Ally Financial Inc. (ALLY) FY2026 Q2 Statement of Cash Flows

Income StatementCash FlowBalance Sheet

Statement of Cash Flows

2026-04-01 to 2026-06-30

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Ally Financial Inc. cash flow reconciliation, Apr 1, 2026 through Jun 30, 2026One connected Sankey reconciles operating, investing and financing net cash flows through a shared cash pool, from beginning cash to ending cash. Ribbons flow left to right on one dollar scale. Activity totals are dark gray; beginning and ending cash are blue. Cash basis for beginning and ending balances and net cash change: Cash, cash equivalents, and restricted cash. Intermediate calculation bars are lighter gray. Net income is green for profit and red for loss. Identified asset purchases, sales and maturities are blue in either cash direction. Purple identifies capital transactions such as borrowing, repayments, share issuance and dividends. Read chart description and values below for full signed amounts, including zero items.Net income → Net cash from operating activities: $410,000,000.00Proceeds from sales and repayments of loans held-for-sale → Operating adjustments reconciliation: $1,060,000,000.00Provision for credit losses → Operating adjustments reconciliation: $430,000,000.00Depreciation and amortization → Operating adjustments reconciliation: $378,000,000.00Other liabilities → Operating adjustments reconciliation: $160,000,000.00Interest payable → Operating adjustments reconciliation: $43,000,000.00Other, net → Operating adjustments reconciliation: $31,000,000.00Other assets → Operating adjustments reconciliation: $30,000,000.00Deferred income taxes → Operating adjustments reconciliation: $23,000,000.00Loss on mortgage and automotive loans, net → Operating adjustments reconciliation: $6,000,000.00Loss on extinguishment of debt → Operating adjustments reconciliation: $2,000,000.00Operating adjustments reconciliation → Net cash from operating activities: $943,000,000.00Operating adjustments reconciliation → Originations and purchases of loans held-for-sale: $1,144,000,000.00Operating adjustments reconciliation → Other (gain) loss on investments, net: $76,000,000.00Net change in short-term borrowings → financing reconciliation: $1,790,000,000.00Preferred stock issuance → financing reconciliation: $987,000,000.00Net increase (decrease) in deposits → financing reconciliation: $803,000,000.00Proceeds from issuance of long-term debt → financing reconciliation: $796,000,000.00financing reconciliation → Net cash from financing activities: $1,641,000,000.00financing reconciliation → Preferred stock redemption: $1,350,000,000.00financing reconciliation → Repayments of long-term debt: $1,117,000,000.00financing reconciliation → Repurchases of common stock: $148,000,000.00financing reconciliation → Common stock dividends paid: $92,000,000.00financing reconciliation → Preferred stock dividends paid: $28,000,000.00Net cash used in investing activities → investing reconciliation: $4,596,000,000.00Proceeds from repayments of available-for-sale securities → investing reconciliation: $582,000,000.00Disposals of operating lease assets → investing reconciliation: $575,000,000.00Proceeds from sales of equity securities → investing reconciliation: $319,000,000.00Proceeds from repayments of held-to-maturity securities → investing reconciliation: $130,000,000.00Proceeds from sales of available-for-sale securities → investing reconciliation: $28,000,000.00Proceeds from sales of finance receivables and loans initially held-for-investment → investing reconciliation: $2,000,000.00investing reconciliation → Purchases of finance receivables and loans held-for-investment: $2,333,000,000.00investing reconciliation → Originations and repayments of finance receivables and loans initially held-for-investment and other, net: $1,869,000,000.00investing reconciliation → Purchases of available-for-sale securities: $846,000,000.00investing reconciliation → Purchases of operating lease assets: $724,000,000.00investing reconciliation → Purchases of equity securities: $227,000,000.00investing reconciliation → Other, net: $117,000,000.00investing reconciliation → Purchases of held-to-maturity securities: $64,000,000.00investing reconciliation → Net change in nonmarketable equity investments: $52,000,000.00Beginning cash: Cash, cash equivalents, and restricted cash → Cash sources and uses: $11,229,000,000.00Net cash from operating activities → Cash sources and uses: $1,353,000,000.00Net cash from financing activities → Cash sources and uses: $1,641,000,000.00Cash sources and uses → Exchange-rate effect: $4,000,000.00Cash sources and uses → Ending cash: Cash, cash equivalents, and restricted cash: $9,623,000,000.00Cash sources and uses → Net cash used in investing activities: $4,596,000,000.00Depreciation and amortization: $378,000,000.00D&A and accretion+$378.00 MGoodwill impairment: $0.00Provision for credit losses: $430,000,000.00Provision for credit losses+$430.00 MProceeds from sales and repayments of loans held-for-sale: $1,060,000,000.00Held-for-sale loan proceeds+$1.06 BInterest payable: $43,000,000.00Accrued interest+$43.00 MOther liabilities: $160,000,000.00Other operating liabilities+$160.00 MNet income: $410,000,000.00Net income+$410.00 MOther assets: $30,000,000.00Other operating assets+$30.00 MOriginations and purchases of loans held-for-sale: -$1,144,000,000.00Held-for-sale loan purchases−$1.14 BDeferred income taxes: $23,000,000.00Deferred tax balances+$23.00 MOther (gain) loss on investments, net: -$76,000,000.00Investment gain & loss−$76.00 MLoss on mortgage and automotive loans, net: $6,000,000.00Loan sale gain & loss+$6.00 MOther, net: $31,000,000.00Other working capital, net+$31.00 MLoss on extinguishment of debt: $2,000,000.00Debt extinguishment gain & loss+$2.00 MNet cash from operating activities: $1,353,000,000.00Operating cash+$1.35 BOperating adjustments reconciliation: $2,163,000,000.00Net change in short-term borrowings: $1,790,000,000.00Short-term debt, net+$1.79 BNet increase (decrease) in deposits: $803,000,000.00Deposits, net+$803.00 MProceeds from issuance of long-term debt: $796,000,000.00Long-term debt issued+$796.00 MRepayments of long-term debt: -$1,117,000,000.00Long-term debt repaid−$1.12 BRepurchases of common stock: -$148,000,000.00Common stock repurchases−$148.00 MCommon stock dividends paid: -$92,000,000.00Common dividends paid−$92.00 MPreferred stock dividends paid: -$28,000,000.00Preferred dividends paid−$28.00 MPreferred stock issuance: $987,000,000.00Preferred stock issued+$987.00 MPreferred stock redemption: -$1,350,000,000.00Preferred stock redeemed−$1.35 BNet cash from financing activities: $1,641,000,000.00Financing cash+$1.64 Bfinancing reconciliation: $4,376,000,000.00Purchases of equity securities: -$227,000,000.00Equity securities purchases−$227.00 MProceeds from sales of equity securities: $319,000,000.00Equity securities sales+$319.00 MPurchases of available-for-sale securities: -$846,000,000.00AFS securities purchases−$846.00 MProceeds from sales of available-for-sale securities: $28,000,000.00AFS securities sales+$28.00 MProceeds from repayments of available-for-sale securities: $582,000,000.00AFS securities maturities+$582.00 MProceeds from repayments of held-to-maturity securities: $130,000,000.00HTM securities maturities+$130.00 MPurchases of finance receivables and loans held-for-investment: -$2,333,000,000.00Investment loan purchases−$2.33 BProceeds from sales of finance receivables and loans initially held-for-investment: $2,000,000.00Investment loan sales+$2.00 MOriginations and repayments of finance receivables and loans initially held-for-investment and other, net: -$1,869,000,000.00Finance receivables & loans, net−$1.87 BPurchases of operating lease assets: -$724,000,000.00Lease asset purchases−$724.00 MDisposals of operating lease assets: $575,000,000.00Operating lease asset disposals+$575.00 MNet change in nonmarketable equity investments: -$52,000,000.00Nonmarketable equity investments−$52.00 MOther, net: -$117,000,000.00Other investing, net−$117.00 MPurchases of held-to-maturity securities: -$64,000,000.00HTM securities purchases−$64.00 MProceeds from sale of operation or business unit, net: $0.00Net cash used in investing activities: -$4,596,000,000.00. Cash required to fund net payments.Investing cash−$4.60 Binvesting reconciliation: $6,232,000,000.00Cash sources and uses: $14,223,000,000.00Beginning cash: Cash, cash equivalents, and restricted cash: $11,229,000,000.00Beginning cash$11.23 BEnding cash: Cash, cash equivalents, and restricted cash: $9,623,000,000.00Ending cash$9.62 BExchange-rate effect: -$4,000,000.00FX effect−$4.00 MCASH RECONCILIATIONOperatingflowsFinancingflowsInvestingflowsFree cash flowNot availableCash flow / Net income3.30×Operating cash flow ÷ net incomeNet cash change−$1.61 BEnding cash − beginning cash
Chart details

Ally Financial Inc. cash flow reconciliation, Apr 1, 2026 through Jun 30, 2026

Cash flows for Apr 1, 2026 through Jun 30, 2026. Cash basis: Cash, cash equivalents, and restricted cash. Beginning cash: Mar 31, 2026. Ending cash: Jun 30, 2026. Beginning and ending cash are dated balances. Positive cash flows add cash; negative cash flows reduce it.

Beginning cash on Mar 31, 2026
11,229,000,000 US dollars. Beginning cash: Cash, cash equivalents, and restricted cash
Operating activities
1,353,000,000 US dollars. Net cash provided.
Net income
410,000,000 US dollars
Depreciation and amortization
378,000,000 US dollars
Goodwill impairment
0 US dollars
Provision for credit losses
430,000,000 US dollars
Proceeds from sales and repayments of loans held-for-sale
1,060,000,000 US dollars
Interest payable
43,000,000 US dollars
Other liabilities
160,000,000 US dollars
Other assets
30,000,000 US dollars
Originations and purchases of loans held-for-sale
negative 1,144,000,000 US dollars
Deferred income taxes
23,000,000 US dollars
Other (gain) loss on investments, net
negative 76,000,000 US dollars
Loss on mortgage and automotive loans, net
6,000,000 US dollars
Other, net
31,000,000 US dollars
Loss on extinguishment of debt
2,000,000 US dollars
Investing activities
negative 4,596,000,000 US dollars. Net cash used.
Purchases of equity securities
negative 227,000,000 US dollars
Proceeds from sales of equity securities
319,000,000 US dollars
Purchases of available-for-sale securities
negative 846,000,000 US dollars
Proceeds from sales of available-for-sale securities
28,000,000 US dollars
Proceeds from repayments of available-for-sale securities
582,000,000 US dollars
Proceeds from repayments of held-to-maturity securities
130,000,000 US dollars
Purchases of finance receivables and loans held-for-investment
negative 2,333,000,000 US dollars
Proceeds from sales of finance receivables and loans initially held-for-investment
2,000,000 US dollars
Originations and repayments of finance receivables and loans initially held-for-investment and other, net
negative 1,869,000,000 US dollars
Purchases of operating lease assets
negative 724,000,000 US dollars
Disposals of operating lease assets
575,000,000 US dollars
Net change in nonmarketable equity investments
negative 52,000,000 US dollars
Other, net
negative 117,000,000 US dollars
Purchases of held-to-maturity securities
negative 64,000,000 US dollars
Proceeds from sale of operation or business unit, net
0 US dollars
Financing activities
1,641,000,000 US dollars. Net cash provided.
Net change in short-term borrowings
1,790,000,000 US dollars
Net increase (decrease) in deposits
803,000,000 US dollars
Proceeds from issuance of long-term debt
796,000,000 US dollars
Repayments of long-term debt
negative 1,117,000,000 US dollars
Repurchases of common stock
negative 148,000,000 US dollars
Common stock dividends paid
negative 92,000,000 US dollars
Preferred stock dividends paid
negative 28,000,000 US dollars
Preferred stock issuance
987,000,000 US dollars
Preferred stock redemption
negative 1,350,000,000 US dollars
Operating adjustment reconciliation
2,163,000,000 US dollars. Intermediate calculation joining the operating reconciliation branches. Its gross amount includes any portion of net income routed through this junction. It is not an additional cash source or use.
financing gross reconciliation
4,376,000,000 US dollars. Gross amount at the activity's junction before offsetting its receipts and deductions. It is not an additional cash source or use.
investing gross reconciliation
6,232,000,000 US dollars. Gross amount at the activity's junction before offsetting its receipts and deductions. It is not an additional cash source or use.
Exchange-rate effect
negative 4,000,000 US dollars
Ending cash on Jun 30, 2026
9,623,000,000 US dollars. Ending cash: Cash, cash equivalents, and restricted cash
Cash sources and uses
14,223,000,000 US dollars. Opening cash plus net sources, equal to net uses plus ending cash.
Net cash change
negative 1,606,000,000 US dollars. Ending cash minus beginning cash.
Cash flow / Net income
3.30×. Operating cash flow divided by reconciliation net income for the same period. Black from 0.90× through 1.10×; green above 1.10×; red below 0.90×. Color uses the unrounded ratio.

Chart connections

  • Beginning cash plus operating, investing and financing cash flows plus the exchange-rate effect equals ending cash. Negative amounts reduce cash.
  • Financing contributions meet at a reconciliation junction before connecting to the net cash total.
  • Investing contributions meet at a reconciliation junction before connecting to the net cash total.
  • Operating reconciliation adjustments are not all independent cash receipts.
  • Net income enters operating cash directly in the reconciliation. The adjustment junction contributes the remaining $943.00M after reconciling the other positive and negative adjustments. These connections depict an accounting reconciliation, not traced cash receipts.
  • Each activity has one net cash bar connected to the shared cash pool. Positive activity totals enter the pool; negative activity totals leave the pool to fund that activity's net payments. The central pool does not assign a particular funding source to a particular payment.
  • The intermediate calculation bars include both sides of the displayed activity breakdowns; they are not additional cash flows.
Ally Financial Inc. (ALLY) FY2026 Q2 Statement of Cash Flows Sankey chart
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