Filing Flows › Ally Financial (ALLY) › Q4 2025
Ally Financial (ALLY) Q4 2025 earnings results (fourth quarter 2025)
10-K filed Feb 25, 2026
Ally Financial (ALLY) reported revenue of $2.1B for the fourth quarter 2025 (Q4 2025), +5% from a year earlier and -2% from the quarter before. Operating margin was 18.2%, net earnings $327M (15.4% of revenue).
Ally Financial, Q4 2025: revenue $2.1B (+5% year over year), operating margin 18.2%, net earnings $327M, operating cash flow $640M. The chart follows the revenue to costs, profit and cash.
| Q4 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $2.1B | -2% | +5% |
| Operating profit | $386M | -25% | +257% |
| Net earnings | $327M | -18% | +203% |
| Operating cash flow | $640M | -47% | -33% |
What changed
Revenue was $2.1B in Q4 2025, up 5% year over year and down 2% from the previous quarter.
Operating profit was $0.39B, a 18.2% margin (up 12.9 points year over year). Of the extra revenue versus a year earlier, 287% reached operating profit, above the 5% margin then. Total costs fell 9% while revenue rose 5%. Net earnings were $0.33B, up 203% year over year. The effective tax rate was 15.3%.
Operating cash flow was $0.64B (down 33% year over year), 196% of net earnings. Non-cash charges added back $0.37B of depreciation and amortization. Working capital and other items used $0.06B.
Questions
What was Ally Financial's revenue in the fourth quarter 2025?
Ally Financial (ALLY) reported revenue of $2.1B for the fourth quarter 2025 (Q4 2025), +5% from a year earlier and -2% from the quarter before.
Was Ally Financial profitable in the fourth quarter 2025?
Operating profit was $386M (18.2% of revenue) and net earnings $327M.
Source: Ally Financial 10-K on SEC EDGAR.