What does percentage payout of incurred claims, year five mean?

The portion of insurance claims paid out within five years of the claim event.

How do you interpret percentage payout of incurred claims, year five?

Stable payout percentages at this stage suggest well-understood and predictable long-term insurance risks.

How does percentage payout of incurred claims, year five compare across companies?

Standard metric for evaluating long-tail insurance liability management.

Ally Financial ALLY Percentage payout of incurred claims, year five

Percentage payout of incurred claims, year five at other companies

AllstateALL

4.1%-0.8pp

W.R. BerkleyWRB

3.5%-0.2pp

MarkelMKL

8.5%+0.3pp

W.R. BerkleyWRB

13.5%+0.3pp

The Travelers CompaniesTRV

26.1%+0.2pp

RenaissanceRe HoldingsRNR

3.8%-1.7pp

Other financials

Income statement

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Revenue$2.1B+36.4%

Net income$319.0M+242%

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$13.94B+7.8%

Enterprise value$25.47B+33.3%

P/E10×-33.1×

P/S1.7×0.0×

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearFive.

The official record: Ally Financial’s 10-K, filed February 25, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Ally Financial's percentage payout of incurred claims, year five?: Ally Financial (ALLY) reported percentage payout of incurred claims, year five of 0% in Q4 2025.
What does percentage payout of incurred claims, year five mean?: The portion of insurance claims paid out within five years of the claim event.
How do you interpret percentage payout of incurred claims, year five?: Stable payout percentages at this stage suggest well-understood and predictable long-term insurance risks.
How does percentage payout of incurred claims, year five compare across companies?: Standard metric for evaluating long-tail insurance liability management.