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Ally Financial ALLY Net Undiscounted Claims and Claim Adjustment Expense Reserves

Net Undiscounted Claims and Claim Adjustment Expense Reserves at other companies

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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:ShortdurationInsuranceContractsLiabilityForUnpaidClaimsAndAllocatedClaimAdjustmentExpenseNet.

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
Accident yearFor the years ended December 31, ($ in millions) / (unaudited supplementary information) / 2016For the years ended December 31, ($ in millions) / (unaudited supplementary information) / 2017For the years ended December 31, ($ in millions) / (unaudited supplementary information) / 2018For the years ended December 31, ($ in millions) / (unaudited supplementary information) / 2019For the years ended December 31, ($ in millions) / (unaudited supplementary information) / 2020For the years ended December 31, ($ in millions) / (unaudited supplementary information) / 2021For the years ended December 31, ($ in millions) / (unaudited supplementary information) / 2022For the years ended December 31, ($ in millions) / (unaudited supplementary information) / 2023For the years ended December 31, ($ in millions) / 20242025
2021213236237237237
2022225260265271
2023328387402
2024390462
2025450
Total3,383
All outstanding liabilities for loss and allocated loss adjustment expenses before 2016, net of reinsurance8
Reserves for insurance losses and allocated loss adjustment expenses, net of reinsurance$161

Item 8. Financial Statements and Supplementary Data

FAQ

What is Ally Financial's net undiscounted claims and claim adjustment expense reserves?
Ally Financial (ALLY) reported net undiscounted claims and claim adjustment expense reserves of $161M in Q4 2025.
How has Ally Financial's net undiscounted claims and claim adjustment expense reserves changed year-over-year?
Ally Financial's net undiscounted claims and claim adjustment expense reserves increased by 27.8% year-over-year, from $126M to $161M.
What is the long-term trend for Ally Financial's net undiscounted claims and claim adjustment expense reserves?
Over 5 years (2020 to 2025), Ally Financial's net undiscounted claims and claim adjustment expense reserves has grown at a 34.2% compound annual growth rate (CAGR), from $37M to $161M.
What does net undiscounted claims and claim adjustment expense reserves mean?
This reflects the total reserve amount set aside for unpaid insurance claims and the costs associated with adjusting those claims, calculated without discounting for the time value of money. It provides a conservative view of the insurer's total outstanding obligations. This figure is a primary indicator of the adequacy of the company's insurance loss reserves.

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