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Ally Financial ALLY Percentage payout of incurred claims, year three

Percentage payout of incurred claims, year three at other companies

Enact Holdings, Inc. logo
Enact Holdings, Inc.ACT
27.2%+1.0pp
Genworth Financial logo
Genworth FinancialGNW
27.2%+1.0pp
RenaissanceRe Holdings logo
RenaissanceRe HoldingsRNR
17%+0.6pp
ASI
Ategrity Specialty HoldingsASIC
21.8%
ASI
Ategrity Specialty HoldingsASIC
9.7%
W.R. Berkley logo
W.R. BerkleyWRB
15.2%+0.1pp

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearThree.

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 three?
Ally Financial (ALLY) reported percentage payout of incurred claims, year three of 0.9% in Q4 2025.
How has Ally Financial's percentage payout of incurred claims, year three changed year-over-year?
Ally Financial's percentage payout of incurred claims, year three increased by 200.0% year-over-year, from 0.3% to 0.9%.
What is the long-term trend for Ally Financial's percentage payout of incurred claims, year three?
Over 5 years (2020 to 2025), Ally Financial's percentage payout of incurred claims, year three has grown at a 24.6% compound annual growth rate (CAGR), from 0.3% to 0.9%.
What does percentage payout of incurred claims, year three mean?
This metric represents the cumulative percentage of incurred insurance claims paid out by the end of the third year. It provides insight into the long-term settlement behavior of the insurer's claims portfolio. Monitoring this helps in validating the accuracy of long-term reserve estimates.

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