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 ...
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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 9/23/2026, 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 |
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.
Ally Financial Inc. (ALLY) Presents at Barclays 24th Annual Global Financial Services Conference Transcript
Amundi boosted its position in shares of Ally Financial Inc. (NYSE: ALLY) by 183.5% in the second quarter, according to the company in its most recent filing with the SEC. The firm owned 274,754 shares of the financial services provider's stock after acquiring an additional 177,832 shares during the quarter. Amundi owned about
There are some excellent opportunities for long-term investors within Berkshire's portfolio.
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 |
|---|---|---|---|---|---|---|---|
| $39.07 | $11.89B | 16.49 | -35.42% | 7.01% | 5.8% | 3.09% | |
| $200.55 | $123.03B | 49.76 | 36.62% | 13.38% | 9.28% | — | |
| $72.67 | $23.64B | 7.82 | -7.09% | 22.03% | 20.94% | — | |
| $59.08 | $6.83B | 9.01 | 9.54% | 12.17% | 23.07% | — | |
| $305.07 | $206.02B | 19.84 | 9.52% | 10.89% | 5% | — | |
| $562.34 | $5.88B | 14.98 | -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
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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 3.09%. 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.
