Ally Financial's earnings recovery from the Q1 2025 trough is evident, with net income rebounding to $410 million in Q2 2026, yet the trajectory is constrained by a flat 1.0% net interest margin and rising credit costs. The bank's branchless deposit franchise ...
Price trend, volume and key moving averages
Start with the evidence for owning the stock and the risks that can break the thesis.
Net interest income grew 12.8% year-over-year in Q2 2026, but the net interest margin has remained stagnant at 1.0% for ten consecutive quarters, with fee income at 14.8% of revenue indicating limited diversification.
Ally demonstrates a stable growth trajectory in its consumer auto loan portfolio, which has shown resilience. The company also handled a record number of consumer auto loan applications, indicating robust demand.
Ally is expected to benefit from an improving net interest margin (NIM) and enhancements in retail auto credit, driving higher returns and earnings through 2025. The company's adjusted earnings per share (EPS) saw a significant jump in 2025, attributed to higher yields on auto loans and lower deposit costs.
The core insurance line has shown strong performance, contributing to the diversification and stability of Ally's revenue.
Trailing total returns as of 10/4/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).
Check whether operating performance supports the current valuation.
Recent results and news deserve attention only when they alter the forward view.
| Quarter | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|
Q3 2026Latest Jul 21, 2026 | $1.21-0.8% vs $1.22 | $2.3B+2.5% vs $2.2B |
Q2 2026 Apr 17, 2026 | $1.11+18.8% vs $0.93 | $2.1B-1.8% vs $2.1B |
Q1 2026 Jan 21, 2026 | $1.09+7.9% vs $1.01 | $2.1B-1.0% vs $2.1B |
Q4 2025 Oct 17, 2025 | $1.15+15.0% vs $1.00 | $2.4B+12.1% vs $2.1B |
Ally Financial Inc. (NYSE: ALLY - Get Free Report) has been assigned a consensus rating of "Moderate Buy" from the seventeen analysts that are presently covering the stock, MarketBeat Ratings reports. Two equities research analysts have rated the stock with a hold rating, fourteen have issued a buy rating and one has assigned a strong buy
New loyalty program ditches complex point systems to deliver everyday value, personalized offers and seamless access—designed for how people actually live, spend and save DETROIT, Sept. 22, 2026 /PRNewswire/ -- Today, Ally Financial announced Loyally, its first-ever loyalty experience built to fundamentally disrupt the traditional bank rewards model.
Ally Financial NYSE: ALLY Chief Financial Officer Russ Hutchinson said the company remains on track to meet the guidance it issued at the start of the year, citing improving profitability, customer growth across its core franchises and continued discipline on expenses, pricing and credit risk.
CHARLOTTE, N.C., Sept. 17, 2026 /PRNewswire/ -- Ally Financial (NYSE: ALLY) has scheduled the release of its third quarter financial results for Tuesday, October 20, 2026, at approximately 7:30 a.m.
Benchmark ALLY against direct peers instead of judging its metrics in isolation.
Key metrics vs top competitors for Ally Financial Inc. (ALLY)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $37.91 | $11.53B | 16.00 | -35.42% | 7.01% | 5.8% | 3.18% | |
| $194.72 | $119.46B | 48.32 | 36.62% | 13.38% | 9.28% | — | |
| $71.77 | $23.35B | 7.73 | -7.09% | 22.03% | 20.94% | — | |
| $56.02 | $6.47B | 8.54 | 9.54% | 12.17% | 23.07% | — | |
| $302.78 | $204.47B | 19.69 | 9.52% | 10.89% | 5% | — | |
| $527.50 | $5.52B | 14.05 | -13.12% | 21.6% | 32.35% | — |
Ally Financial Inc. (ALLY) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Verify the primary filings, follow material updates, and answer the remaining questions.
Ally Financial Inc. (ALLY) SEC filings — annual & quarterly reports (10-K, 10-Q)
Jul 21, 2026·SEC
May 20, 2026·SEC
May 8, 2026·SEC
Get notified when ALLY posts new earnings or crosses analyst targets
Free. No account needed. Unsubscribe any time.
Ally Financial Inc. (ALLY) stock FAQ — growth, dividends, profitability & financials explained
Ally Financial Inc. (ALLY) saw revenue decline by 35.4% over the past year.
Yes, Ally Financial Inc. (ALLY) is profitable, generating $1.45B in net income for fiscal year 2025 (7.0% net margin).
Yes, Ally Financial Inc. (ALLY) pays a dividend with a yield of 3.18%. This makes it attractive for income-focused investors.
Ally Financial Inc. (ALLY) has a return on equity (ROE) of 5.8%. This is below average, suggesting room for improvement.
Ally Financial Inc. (ALLY) has a net interest margin (NIM) of 3.6%. This indicates healthy earnings from lending activities.
Ally Financial Inc. (ALLY) has an efficiency ratio of 43.3%. This is excellent, indicating strong cost control.
