Risk factors
Ally Financial (ALLY) risk factors
Item 1A of every Ally Financial Inc. 10-K on file, and what changed from one year to the next. Readings are automated and can be wrong; check the filing for the exact wording.
- FY2025 10-K risk factors45 risks5 new5 dropped21 reworded
Ally Financial added new risks covering artificial intelligence adoption, conflicting climate disclosure mandates, and anti-takeover provisions.
Filed Feb 25, 2026 - FY2024 10-K risk factors45 risks
Ally Financial relies heavily on retail deposits for 89 percent of its funding while operating as a digital bank without branches. Automotive finance tied to GM and Stellantis dealers creates significant industry and brand concentration risk. Used vehicle prices and interest rate fluctuations heavily impact net interest income and earning assets.
Filed Feb 19, 2025