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Ally Financial ALLY Shortduration Insurance Contracts Liability For Unpaid Claims And Allocated Claim Adjustment Expense Net Not Separately Presented

Shortduration Insurance Contracts Liability For Unpaid Claims And Allocated Claim Adjustment Expense Net Not Separately Presented at other companies

KIN
Kingstone CompaniesKINS
$118.9M+27.9%
KIN
Kingstone CompaniesKINS
$118.9M+27.9%
Global Indemnity Group, LLC logo
Global Indemnity Group, LLCGBLI
2,113,800,000%-737,200,000pp
Safety Insurance Group logo
Safety Insurance GroupSAFT
3,100,000%-17,000,000pp
Principal Financial Group logo
Principal Financial GroupPFG
230,000,000%-380,000,000pp
Global Indemnity Group, LLC logo
Global Indemnity Group, LLCGBLI
438,700,000%-2,896,300,000pp

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:ShortdurationInsuranceContractsLiabilityForUnpaidClaimsAndAllocatedClaimAdjustmentExpenseNetNotSeparatelyPresented.

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 shortduration insurance contracts liability for unpaid claims and allocated claim adjustment expense net not separately presented?
Ally Financial (ALLY) reported shortduration insurance contracts liability for unpaid claims and allocated claim adjustment expense net not separately presented of $8M in Q4 2025.
How has Ally Financial's shortduration insurance contracts liability for unpaid claims and allocated claim adjustment expense net not separately presented changed year-over-year?
Ally Financial's shortduration insurance contracts liability for unpaid claims and allocated claim adjustment expense net not separately presented decreased by 0.0% year-over-year, from $8M to $8M.
What is the long-term trend for Ally Financial's shortduration insurance contracts liability for unpaid claims and allocated claim adjustment expense net not separately presented?
Over 5 years (2020 to 2025), Ally Financial's shortduration insurance contracts liability for unpaid claims and allocated claim adjustment expense net not separately presented has grown at a 0.0% compound annual growth rate (CAGR), from $8M to $8M.
What does shortduration insurance contracts liability for unpaid claims and allocated claim adjustment expense net not separately presented mean?
This represents the estimated liability for insurance claims that have been incurred but not yet paid, including those not yet reported. It reflects the financial obligation the insurer expects to settle for short-duration insurance contracts. Proper estimation is critical for maintaining adequate capital reserves and ensuring solvency.

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