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Ally Financial cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$1.6B in Q3 2026 · $5.0B over twelve months

Operating cash flow$1.6B
Free cash flow+$1.6B
Cash / net income3.7×

Analysis

In Q3 2026, Ally Financial generated $1.6B of operating cash flow. That is $393M more than in Q3 2025 ($1.2B).

Over the twelve months to Sep 30, 2026, operating cash flow was $5.0B; the largest uses were other investing ($16.9B), buybacks ($496M), dividends ($380M); besides operations, cash came from other financing ($6.8B), net borrowing (+) / repaid (−) ($4.3B); the cash balance fell by $1.8B.

Operating cash flow was $1.6B against net income of $433M — 3.7× profit, cash ran ahead of reported earnings. The largest differences: depreciation & amortization +$383M, prepaid and other assets +$111M, gains on investments −$34.0M.

Free cash flow

Ally Financial: free cash flow by quarterAlly Financial: free cash flow by quarter$951MQ4 2024$940MQ1 2025$947MQ2 2025$1.2BQ3 2025$640MQ4 2025$1.4BQ1 2026$1.4BQ2 2026$1.6BQ3 2026
Operating cash flow less capital spending.
Ally Financial: operating cash flow against capital spendingAlly Financial: operating cash flow against capital spendingOperating cash flowCapital spending$951M$0Q4 2024$940M$0Q1 2025$947M$0Q2 2025$1.2B$0Q3 2025$640M$0Q4 2025$1.4B$0Q1 2026$1.4B$0Q2 2026$1.6B$0Q3 2026
Latest (Q3 2026): Operating cash flow $1.6B, Capital spending $0.

Capital allocation, year by year

Ally Financial: where the cash came from (up) and went (down), by fiscal yearAlly Financial: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAsset salesAcquisitionsBuybacksDividendsFY2021: Operating cash flow $4.0BFY2021: Net borrowing −$5.6BFY2021: Shares issued $2.3BFY2021: Acquisitions −$699MFY2021: Buybacks −$2.0BFY2021: Dividends −$324M$6.4BFY2021FY2022: Operating cash flow $6.2BFY2022: Net borrowing $3.0BFY2022: Buybacks −$1.6BFY2022: Dividends −$384M$9.3BFY2022FY2023: Operating cash flow $4.6BFY2023: Net borrowing $2.0BFY2023: Buybacks −$33.0MFY2023: Dividends −$368M$6.6BFY2023FY2024: Operating cash flow $4.5BFY2024: Net borrowing −$1.8BFY2024: Asset sales $2.0BFY2024: Buybacks −$38.0MFY2024: Dividends −$372M$6.5BFY2024FY2025: Operating cash flow $3.7BFY2025: Net borrowing $2.6BFY2025: Asset sales $2.4BFY2025: Buybacks −$59.0MFY2025: Dividends −$379M$8.7BFY2025
Over these 5 years operating cash flow totalled $23.1B; the largest uses were net borrowing ($7.4B) and buybacks ($3.8B). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$7.8B
Debt$25.0B
Net debt$17.2B
Due within a year$2.7B

Ally Financial funds itself: free cash flow was $5.0B over the last twelve months, and $7.8B of cash and investments stands against $25.0B of debt ($2.7B due within a year, 2.9× covered by cash).

Ally Financial: debt maturities by year (FY2025)Ally Financial: debt maturities by year (FY2025)$2.7BYear 1$3.9BYear 2$2.4BYear 3$1.9BYear 4$716MYear 5$5.4BAfter year 5
Principal due in each year as disclosed in the annual report, against $7.8B of cash and investments now.

Where the cash came from and went

Ally Financial: sources (+) and uses (−) of cash, Q3 2026Ally Financial: sources (+) and uses (−) of cash, Q3 2026Other investing−$4.8BNet borrowing (+) / repaid (−)$2.0BOther financing$1.7BOperating cash flow$1.6BCash drawn (+) / kept (−)−$199MBuybacks−$178MDividends−$92.0MExchange rates−$1.0M
Ally Financial: sources (+) and uses (−) of cash, TTM to Q3 2026Ally Financial: sources (+) and uses (−) of cash, TTM to Q3 2026Other investing−$16.9BOther financing$6.8BOperating cash flow$5.0BNet borrowing (+) / repaid (−)$4.3BCash drawn (+) / kept (−)$1.8BBuybacks−$496MDividends−$380MExchange rates−$5.0M

From profit to cash

Ally Financial: net income to operating cash flow, Q3 2026Ally Financial: net income to operating cash flow, Q3 2026Net income$433MDepreciation & amortization$383MGains on investments−$34.0MPrepaid and other assets$111MOther liabilities$26.0MOther operating capital$32.0MOperating cash flow$1.6B
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowBuybacksDividendsNet borrowing (+) / repaid (−)Cash drawn (+) / kept (−)Free cash flow
Q3 2026$1.6B−$178M−$92.0M$2.0B−$199M$1.6B
Q2 2026$1.4B−$148M−$92.0M$1.5B$1.6B$1.4B
Q1 2026$1.4B−$147M−$102M−$312M$580M$1.4B
Q4 2025$640M−$23.0M−$94.0M$1.1B−$205M$640M
Q3 2025$1.2B−$1.0M−$93.0M$874M−$96.0M$1.2B
Q2 2025$947M−$1.0M−$92.0M−$92.0M−$91.0M$947M
Q1 2025$940M−$34.0M−$100M$664M−$37.0M$940M
Q4 2024$951M−$7.0M−$92.0M$524M−$2.1B$951M

Ally Financial: income statement and cash flow

Ally Financial, Q3 2026: revenue $2.3B (+8% year over year), operating margin 24.3%. The chart follows the revenue to costs, profit and cash.

Ally Financial: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.