← Ally Financial Inc.

Annual Trend FY 2016 FY 2017 FY 2018 FY 2019 FY 2020 FY 2021 FY 2022 FY 2023 FY 2024 FY 2025
Cash flows from operating activities:
Adjustments to reconcile net income to net cash provided by operating activities:
Net Income From Continuing Operations — — — — — — $1.7b $957.0m $668.0m $852.0m
Net Income (Loss) Attributable to Parent $1.1b $929.0m $1.3b $1.7b $1.1b $3.1b $1.7b $1.0b $668.0m $852.0m
Net Income (Loss) Available to Common Stockholders, Basic $1.0b $929.0m $1.3b — — $3.0b $1.6b $910.0m $558.0m $742.0m
Income (Loss) from Continuing Operations, Net of Tax, Attributable to Parent $1.1b $926.0m $1.3b $1.7b $1.1b $3.1b $1.7b $1.0b $669.0m $852.0m
Income (Loss) from Discontinued Operations, Net of Tax, Attributable to Parent ($44.0m) $3.0m $0 ($6.0m) — ($5.0m) ($1.0m) ($2.0m) ($1.0m) $0
Depreciation, Amortization and Accretion, Net $2.4b $1.9b $1.6b $1.6b $1.6b $1.3b $1.3b $1.2b $1.2b $1.4b
Amortization of Intangible Assets $6.0m $10.0m $11.0m $13.0m $18.0m $20.0m $31.0m $25.0m $19.0m $3.0m
Depreciation, Nonproduction $84.0m $89.0m $87.0m $96.0m $136.0m $153.0m $165.0m $196.0m $224.0m $243.0m
Depreciation Amortization Depletion — — — — — — $1.3b $1.2b $1.2b $1.4b
Deferred Income Tax Expense (Benefit) $453.0m $539.0m $331.0m $179.0m $242.0m $116.0m $553.0m ($65.0m) $28.0m ($168.0m)
Share-based Payment Arrangement, Expense — — — $67.0m $80.0m — — — — —
Equity Securities without Readily Determinable Fair Value, Impairment Loss, Annual Amount — — ($2.0m) $3.0m $6.0m — — — — —
Goodwill, Impairment Loss — — — — $50.0m $0 $0 $149.0m $118.0m $305.0m
Operating Lease, Impairment Loss — — — — — — — $0 $0 $0
Asset Impairment Charge — — — — — — $0 $149.0m $118.0m $305.0m
Financing Receivable Excluding Accrued Interest Credit Loss Expense Reversal — — — — — — $1.4b $2.0b $2.2b $1.5b
Gain (Loss) on Extinguishment of Debt ($5.0m) ($7.0m) — — ($102.0m) ($136.0m) $0 $0 — —
Income (Loss) from Equity Method Investments $18.0m $14.0m $46.0m $62.0m $161.0m $132.0m $102.0m $4.0m $20.0m $81.0m
Income Tax Expense (Benefit) $470.0m $581.0m $359.0m $246.0m $328.0m $790.0m $627.0m $61.0m $167.0m $199.0m
Operating Lease, Lease Income — — — $1.5b $1.4b $1.6b $1.6b $1.6b $1.4b $1.5b
Changes in operating assets and liabilities:
Additional Financial Items
Increase (Decrease) in Other Operating Assets $120.0m $153.0m $87.0m $28.0m ($15.0m) $302.0m ($957.0m) $417.0m ($73.0m) $308.0m
Increase (Decrease) in Other Operating Liabilities ($206.0m) ($69.0m) $2.0m ($177.0m) $33.0m $356.0m ($103.0m) ($91.0m) $127.0m ($33.0m)
Gain (Loss) on Sales of Loans, Net $11.0m $68.0m $25.0m $28.0m $110.0m $87.0m $52.0m $16.0m $24.0m ($35.0m)
Debt Securities, Available-for-sale, Realized Gain (Loss) — — — — — $102.0m $23.0m $5.0m $3.0m ($491.0m)
Equity Securities, FV-NI, Realized Gain (Loss) — — $60.0m $73.0m $107.0m $190.0m $72.0m $32.0m $75.0m $79.0m
Equity Securities, FV-NI, Unrealized Gain (Loss) — — ($121.0m) $92.0m $29.0m ($7.0m) ($215.0m) $107.0m ($6.0m) $51.0m
Gain (Loss) on Investments — — ($50.0m) $243.0m $307.0m $285.0m ($120.0m) $144.0m $72.0m ($361.0m)
Goodwill $240.0m $240.0m $240.0m $393.0m $343.0m $822.0m $822.0m $669.0m $551.0m $190.0m
Insurance Services Revenue $945.0m $973.0m $1.0b $1.1b $1.1b $1.1b $1.2b $1.3b $1.4b $1.4b
Liability for Unpaid Claims and Claims Adjustment Expense, Incurred Claims $342.0m $332.0m $295.0m — — — — — — —
Nonoperating Income (Expense) $1.5b $1.5b — — — — — — — —
Proceeds from Contributions from Parent $0 $0 $0 $0 — — — — — —
Financing Receivable, Credit Loss, Expense (Reversal) $917.0m $1.1b $918.0m $998.0m $1.4b $241.0m — — — —
Beginning Cash Position — — — — — — $5.7b $6.2b $7.4b $11.4b
Cash Flow From Continuing Financing Activities — — — — — — $11.6b $3.8b ($5.6b) $2.0b
Cash Flow From Continuing Investing Activities — — — — — — ($17.3b) ($7.2b) $5.0b ($5.3b)
Change In Account Payable — — — — — — $198.0m $450.0m $32.0m ($161.0m)
Change In Other Current Assets — — — — — — $957.0m ($417.0m) $73.0m ($308.0m)
Change In Other Current Liabilities — — — — — — ($103.0m) ($91.0m) $127.0m ($33.0m)
Change In Other Working Capital — — — — — — $267.0m $150.0m $264.0m $237.0m
Change In Payable — — — — — — $198.0m $450.0m $32.0m ($161.0m)
Change In Payables And Accrued Expense — — — — — — $198.0m $450.0m $32.0m ($161.0m)
Change In Working Capital — — — — — — $1.9b $11.0m $60.0m ($799.0m)
Changes In Cash — — — — — — $559.0m $1.2b $4.0b $421.0m
End Cash Position — — — — — — $6.2b $7.4b $11.4b $11.8b
Financing Cash Flow — — — — — — $11.6b $3.8b ($5.6b) $2.0b
Free Cash Flow — — — — — — $2.7b $1.8b $1.1b ($546.0m)
Gain Loss On Investment Securities — — — — — — ($95.0m) ($37.0m) ($78.0m) $412.0m
Investing Cash Flow — — — — — — ($17.3b) ($7.2b) $5.0b ($5.3b)
Issuance Of Capital Stock — — — — — $2.3b $0 $0 — —
Net Business Purchase And Sale — — — — — — $0 $0 $2.0b $2.4b
Net PPE Purchase And Sale — — — — — — ($509.0m) $469.0m $348.0m ($1.7b)
Net Preferred Stock Issuance — — — — — ($386.0m) $0 $0 — —
Operating Gains Losses — — — — — — ($147.0m) ($53.0m) ($102.0m) $447.0m
Other Non Cash Items — — — — — — ($133.0m) $405.0m $413.0m $101.0m
Preferred Stock Issuance — — — — — $2.3b $0 $0 — —
Preferred Stock Payments — — — — — ($2.7b) $0 $0 — —
Purchase Of Business — — — — — ($699.0m) $0 $0 — —
Purchase Of PPE — — — — — — ($3.5b) ($2.8b) ($3.5b) ($4.3b)
Repurchase Of Capital Stock — — — — — — ($1.6b) ($33.0m) ($38.0m) ($59.0m)
Sale Of Business — — — — — — $0 $0 $2.0b $2.4b
Sale Of PPE — — — — — — $3.0b $3.2b $3.8b $2.6b
Unrealized Gain Loss On Investment Securities — — — — — — $215.0m ($107.0m) $6.0m ($51.0m)
Gain (Loss) on Derivative Instruments, Net, Pretax ($7.0m) ($6.0m) — — — — — — — —
Net Cash Provided by (Used in) Operating Activities $4.6b $4.1b $4.2b $4.0b $3.7b $4.0b $6.2b $4.7b $4.5b $3.7b
Cash flows from investing activities:
Capital Expenditure — — — — — — ($3.5b) ($2.8b) ($3.5b) ($4.3b)
Payments to Acquire Businesses, Net of Cash Acquired — — — $171.0m $0 $699.0m $0 $0 — —
Net Investment Purchase And Sale — — — — — — ($1.2b) $1.9b $2.2b $577.0m
Purchase Of Investment — — — — — — ($7.3b) ($857.0m) ($1.6b) ($6.8b)
Sale Of Investment — — — — — — $6.1b $2.9b $3.7b $7.5b
Payments for (Proceeds from) Other Investing Activities $312.0m $219.0m $340.0m $379.0m $450.0m $443.0m $531.0m $579.0m $608.0m $600.0m
Net Other Investing Changes — — — — — — ($531.0m) ($579.0m) ($608.0m) ($600.0m)
Net Cash Provided by (Used in) Investing Activities ($8.7b) ($8.7b) ($14.5b) ($3.8b) $8.4b ($11.1b) ($17.3b) ($7.3b) $5.0b ($5.3b)
Cash flows from financing activities:
Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-sale $3.4b $2.9b $3.2b $5.2b $11.9b $10.7b $4.3b $2.1b $2.1b $1.9b
Proceeds from Issuance of Long-term Debt $14.2b $18.0b $18.4b $6.9b $3.7b $3.0b $7.1b $5.7b $4.3b $4.7b
Issuance Of Debt — — — — — — $7.1b $5.7b $4.3b $4.7b
Long Term Debt Issuance — — — — — — $7.1b $5.7b $4.3b $4.7b
Net Issuance Payments Of Debt — — — — — — $3.0b $2.0b ($1.8b) $2.6b
Net Long Term Debt Issuance — — — — — — $617.0m $1.1b ($147.0m) ($508.0m)
Net Short Term Debt Issuance — — — — — — $2.4b $898.0m ($1.7b) $3.1b
Repayments of Long-term Debt $26.4b $27.9b $17.9b $17.2b $16.1b $6.1b $6.5b $4.6b $4.5b $5.2b
Long Term Debt Payments — — — — — — ($6.5b) ($4.6b) ($4.5b) ($5.2b)
Repayment Of Debt — — — — — — ($6.5b) ($4.6b) ($4.5b) ($5.2b)
Net Common Stock Issuance — — — — — — ($1.6b) ($33.0m) ($38.0m) ($59.0m)
Payments for Repurchase of Common Stock $341.0m $753.0m $939.0m $1.0b $106.0m $2.0b $1.6b $33.0m $38.0m $59.0m
Payments of Ordinary Dividends, Common Stock $108.0m $184.0m $242.0m $273.0m $289.0m $324.0m $384.0m $368.0m $372.0m $379.0m
Common Stock Payments — — — — — — ($1.6b) ($33.0m) ($38.0m) ($59.0m)
Payments of Dividends $108.0m $184.0m $242.0m $273.0m $289.0m $324.0m $384.0m $368.0m $372.0m $379.0m
Cash Dividends Paid — — — — — — ($494.0m) ($478.0m) ($482.0m) ($489.0m)
Common Stock Dividend Paid — — — — — — ($384.0m) ($368.0m) ($372.0m) ($379.0m)
Preferred Stock Dividend Paid — — — — — — ($110.0m) ($110.0m) ($110.0m) ($110.0m)
Net Cash Provided by (Used in) Financing Activities $3.7b $2.0b $10.7b ($1.5b) $25.0m ($3.8b) $11.6b $3.8b ($5.6b) $2.0b
Effect of Exchange Rate on Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents — — — — — $0 ($7.0m) $3.0m ($12.0m) $8.0m
Effect Of Exchange Rate Changes — — — — — — ($7.0m) $3.0m ($12.0m) $8.0m
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect — ($2.6b) $357.0m ($1.2b) $12.2b ($10.9b) $552.0m $1.2b $3.9b $429.0m
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents — $5.3b $5.6b $4.4b $16.6b $5.7b $6.2b $7.4b $11.4b $11.8b
Supplemental disclosure of cash flow information:
Change In Cash Supplemental As Reported — — — — — — $552.0m $1.2b $3.9b $429.0m
Interest Paid, Excluding Capitalized Interest, Operating Activities — — $3.4b $4.0b $3.4b $2.0b $2.6b $6.4b $7.4b $6.5b
Income Taxes Paid, Net — — — — — $1.3b ($425.0m) ($27.0m) $135.0m $359.0m

Data sourced from SEC EDGAR 10-K filings via EdgarTools. Amounts are shown in USD as reported in each fiscal year filing.

Values abbreviated: b = billions, m = millions, k = thousands. Per share data in USD.