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Ally Financial ALLY Percentage payout of incurred claims, year two

Percentage payout of incurred claims, year two at other companies

Genworth Financial logo
Genworth FinancialGNW
25.1%-1.7pp
ASI
Ategrity Specialty HoldingsASIC
13.4%
ASI
Ategrity Specialty HoldingsASIC
34.5%
Enact Holdings, Inc. logo
Enact Holdings, Inc.ACT
25.1%-1.7pp
W.R. Berkley logo
W.R. BerkleyWRB
32.8%+0.7pp
W.R. Berkley logo
W.R. BerkleyWRB
10.5%-0.5pp

Other financials

Income statement

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Revenue$2.1B+36.4%
Net income$367.0M+4.3%
EPS (diluted)$0.93+213%

Balance sheet

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Cash & equivalents$11.2B-1.6%
Total debt$22.8B+26.9%
Total equity$15.6B+9.7%
Total assets$197.27B+2.0%

Cash flow

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Operating cash flow$1.4B+45.9%
CapEx-
Free cash flow$1.1B-2.9%

Valuation

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Market cap$13.61B+18.8%
Enterprise value$25.14B+33.3%
P/E9.7×-16.8×

Profitability

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Net margin16.5%+12.6pp
FCF margin55.3%

Returns & leverage

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Return on equity9.4%+7.2pp
Debt / equity1.5×+0.2×

Where this comes from

Reported directly by Ally Financial in its filing.

Tagged under the XBRL concept us-gaap:ShortdurationInsuranceContractsHistoricalClaimsDurationYearTwo.

The source filing: Ally Financial’s 10-K, filed February 25, 2026.

Filed
Feb 25, 2026, 4:02 PM EST
Fiscal year
FY2025
Accession
0000040729-26-000005
Year12345678910
Percentage payout of incurred claims87.8%11.0%0.9%0.3%

Item 8. Financial Statements and Supplementary Data

FAQ

What is Ally Financial's percentage payout of incurred claims, year two?
Ally Financial (ALLY) reported percentage payout of incurred claims, year two of 11% in Q4 2025.
How has Ally Financial's percentage payout of incurred claims, year two changed year-over-year?
Ally Financial's percentage payout of incurred claims, year two increased by 11.1% year-over-year, from 9.9% to 11%.
What is the long-term trend for Ally Financial's percentage payout of incurred claims, year two?
Over 5 years (2020 to 2025), Ally Financial's percentage payout of incurred claims, year two has grown at a 10.1% compound annual growth rate (CAGR), from 6.8% to 11%.
What does percentage payout of incurred claims, year two mean?
This metric tracks the cumulative percentage of incurred insurance claims paid out by the end of the second year following the claim event. It helps analysts understand the 'tail' of the insurance portfolio and the timing of cash outflows. This is a key component of actuarial loss development analysis.

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