ALLY Ally Financial margins

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  2. Financial Services
  3. NYSE: ALLY
  4. Margins
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Relative Growth: Rel. Growth: 66
Relative Strength: Rel. Strength: 35
Relative Valuation: Rel. Valuation: 95
Relative Profitability: Rel. Profitability: 86
Gross margin
93.3%
Operating margin
41.9%
EBITDA margin
36.6%
Net margin
15.3%

At present, Ally Financial reports a gross margin of 93.3%, an operating margin of 41.9%, an EBITDA margin of 36.6%, and a net margin of 15.3%. Each available margin increased from the same period last year. EBITDA margin recorded the strongest gain, rising by 14.5 percentage points.

ALLY margin history

Gross, operating, EBITDA and net margin trends

Ally Financial's margins averaged 93.24% gross, 34.96% operating, 26.39% EBITDA, and 8.28% net during the last 3 years. Currently all four current margins are above their three-year averages.

ALLY margin expansion

Year-over-year margin changes in percentage points

Gross margin expanded by 1.2 percentage points, operating margin by 12.3 percentage points, EBITDA margin by 14.5 percentage points, and net margin by 11.2 percentage points, led by EBITDA margin with an increase of 14.5 percentage points.

Gross margin expansion
1.2pp
Operating margin expansion
12.3pp
EBITDA margin expansion
14.5pp
Net margin expansion
11.2pp

ALLY Gross margin

The average gross margin for Ally Financial was 93.24% during the last 3 years. The latest gross margin for Ally Financial is 93.3%, 0.1 percentage points above its three-year average. The gross margin for Ally Financial moved between 92.1% in Jun 2025 and 94.9% in Dec 2023.

ALLY Operating margin

The average operating margin for Ally Financial was 34.96% over the last 3 years. As of the latest period, the current operating margin for Ally Financial is 41.9%, 6.9 percentage points above its three-year average. The operating margin for Ally Financial moved between 28.7% in Mar 2025 and 41.9% in Jun 2026.

ALLY EBITDA margin

Throughout the last 3 years, Ally Financial had an average EBITDA margin of 26.39%. Currently, the current EBITDA margin for Ally Financial is 36.6%, 10.2 percentage points above its three-year average. Looking back over the last 3 years, Ally Financial's EBITDA margin reached 36.6% at its highest point in Jun 2026 and 19.5% at its lowest in Mar 2025.

ALLY Net margin

Across the last 3 years, Ally Financial's net margin came to 8.28%. Right now, the current net margin for Ally Financial is 15.3%, 7 percentage points above its three-year average. Net margin was highest at 15.3% in Jun 2026 and lowest at 2.5% in Mar 2025.

ALLY margin group comparison

Margins compared with peer-group, industry and sector averages

Ally Financial's gross margin of 93.3% is above the Financial Services sector, the industry and its peers average. Compared to its Financial Services sector average of 83.9%, Ally Financial's gross margin is 11% higher.

ALLY margin peer comparison

Compare margins with selected peers

Frequently asked questions

What is Ally Financial's gross margin?

For the period ending Jun 30, 2026, ALLY recorded a gross margin of 93.3%.

What is Ally Financial's operating margin?

For the period ending Jun 30, 2026, ALLY recorded an operating margin of 41.9%.

What is Ally Financial's EBITDA margin?

As of Jun 30, 2026, ALLY has an EBITDA margin of 36.6%.

What is Ally Financial's net margin?

For the period ending Jun 30, 2026, ALLY recorded a net margin of 15.3%.

What are the average margins of ALLY?

Across the last 3 years, ALLY averaged 93.2% gross, 35.0% operating, 26.4% EBITDA, and 8.3% net.

What are the highest historical margins of ALLY?

Looking back across 5 years, ALLY reached 97% gross in Mar 2022, 49.9% operating in Dec 2021, 61.6% EBITDA in Dec 2021, and 36.6% net in Dec 2021.

What are the lowest historical margins of ALLY?

Ally Financial's lowest recorded margins during the past 5 years were 92.1% gross in Jun 2025, 28.7% operating in Mar 2025, 19.5% EBITDA in Mar 2025, and 2.5% net in Mar 2025.