Ally's net interest income has recovered from roughly $1.7B in 2024 to $2.0B in Q2 and Q3 2026, with 11.7% year-over-year NII growth in Q3 2026, suggesting improving asset repricing against deposit funding costs.
Price trend, volume and key moving averages
Start with the evidence for owning the stock and the risks that can break the thesis.
Revenue and NII have improved, but provisions of $529M against $4.2B in total revenue in Q3 2026 indicate that credit cost normalization is absorbing a large share of earnings.
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 11/8/2026, 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) |
|---|---|---|
Q4 2026Latest Oct 20, 2026 | $1.34+0.0% vs $1.34 | $2.3B+1.0% vs $2.3B |
Q3 2026 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 |
Ally Financial NYSE: ALLY expects retail auto loan losses to finish near the midpoint of its annual forecast and sees a path to further margin expansion, even as lease losses and higher delinquencies pressure parts of its business, Chief Financial Officer Russ Hutchinson said.
Ally Financial Inc. (ALLY) Presents at BancAnalysts Association of Boston Conference 2026 Transcript
Ally recognized by Money, Fortune, PEOPLE, Forbes, American Banker and Newsweek for customer value, workplace culture, leadership and trust DETROIT, Nov. 2, 2026 /PRNewswire/ -- Ally Financial (NYSE: ALLY) today announced it has earned national recognition across banking, workplace culture, leadership and trust from six leading organizations, including Money's Best National Bank and Best Online Bank, Fortune's Best Workplaces in Financial Services & Insurance (No. 12), Forbes' Dream Employers, three top 10 rankings in American Banker's 2026 Most Powerful Women in Banking™ program, and Newsweek's World's Most Trustworthy Companies (No.
I track dividend announcements across 1,200+ stocks. This week, 42 companies increased their dividend, including two stocks I own. Part 2 highlights 17 stocks with streaks below 10 years. First BanCorp (FBP) stands out with a 25% dividend hike, 3.65% forward yield, and the highest ACN (23.9), though it trades near fair value. Western Digital (WDC) offers 34.69% upside to fair value and strong safety metrics, but its forward yield is just 0.20% and dividend consistency is weak.
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 |
|---|---|---|---|---|---|---|---|
| $38.17 | $11.61B | 7.90 | -35.42% | 15.03% | 9.67% | 3.16% | |
| $201.87 | $123.84B | 11.32 | 36.62% | 17.3% | 9.67% | 1.39% | |
| $73.74 | $23.99B | 7.13 | -7.09% | 22.18% | 19.99% | 1.62% | |
| $56.09 | $6.48B | 8.45 | 9.54% | 14.72% | 22.64% | 4.62% | |
| $320.99 | $216.77B | 17.65 | 9.52% | 15.8% | 11.91% | 1.02% | |
| $529.56 | $5.54B | 16.36 | -13.12% | 17.69% | 22.41% | — |
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)
Oct 20, 2026·SEC
Oct 7, 2026·SEC
Jul 21, 2026·SEC
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Ally Financial Inc. (ALLY) stock FAQ — growth, dividends, profitability & financials explained
Ally Financial Inc. (ALLY) grew revenue by 14.6% over the trailing twelve months, compared with the twelve months before.
Yes. Ally Financial Inc. (ALLY) earned $1.49B in net income over the trailing twelve months (a 15.0% net margin).
Yes. Ally Financial Inc. (ALLY) pays a dividend that yields 3.16% at the current price, a moderate yield.
Ally Financial Inc. (ALLY) had a return on equity (ROE) of 9.7% over the trailing twelve months. That is below the market's typical 10-15%.
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 91.7%. This is higher than peers, suggesting room for cost optimization.
