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Ally Financial Inc (NYSE:ALLY) reported mixed results for the third quarter on Tuesday.

SummaryAlly Financial delivered a strong Q3 with core ROTCE up to 13.1%, stable charge-offs, and a dividend increase, yet still trades below tangible book.Retail auto charge-offs remained within guidance at 1.89%, and tangible book per share, excluding AOCI, has grown steadily at about 6% annually since 2021.Buybacks accelerated below book, and management continues a disciplined approach, while AOCI losses are amortizing back, adding over $1 per share to book value annually.Peer banks trade at higher price-to-book multiples for similar or lower returns, supporting a fair value estimate for ALLY shares of $46–$50, with upside if returns reach the mid-teens. FG Trade Latin/iStock via Getty Images

On October 9, I wrote that Ally Financial (ALLY) was the only bank in my peer group still trading below tangible book, and I named three numbers to check when it reported: retail

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Analyst’s Disclosure: I/we have a beneficial long position in the shares of ALLY either through stock ownership, options, or other derivatives. I wrote this article myself, and it expresses my own opinions. I am not receiving compensation for it (other than from Seeking Alpha). I have no business relationship with any company whose stock is mentioned in this article.

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On its third quarter of 2026 earnings call, held on Oct. 20, 2026, Ally (ALLY +1.12%) announced adjusted earnings per share (EPS), a measure of net profit per common share, of $1.34, up 16% year over year. The bank is expanding its higher-yielding corporate and auto loans to replace lower-yielding legacy mortgages. That balance sheet shift improves long-term profitability and shareholder returns. Three things management said stand out.

1. Auto Application Volume Expands the Underwriting FunnelAlly processed 4.8 million auto loan applications during the quarter. That expanding application volume gives the bank more choice, allowing it to select better credit risks and push loan prices higher without losing deal flow.

In auto, we decisioned 4.8 million applications, up 20% year over year, as our refined go to market strategy continues to expand the top of the funnel and further our reach in our industry.
-- Michael G. Rhodes, Chief Executive Officer2. Balance Sheet Remixing Powers Net Interest Margin ExpansionThe bank is growing retail auto and corporate loans while letting lower-yielding home mortgages run off. That asset rotation boosts net interest margin (NIM), the spread between interest earned on loans and interest paid on deposits.

Growth in these asset classes continues to replace the runoff of lower yielding mortgages, providing a structural tailwind to net interest margin over time.
-- Russell Hutchinson, Chief Financial Officer3. Disciplined Execution Supports Capital Return and Asset GrowthAlly raised its quarterly dividend to $0.35 per share, marking its first payout increase since 2022. Management continues to repurchase stock and fund loan growth while keeping its Common Equity Tier 1 (CET1) ratio, a core bank solvency metric, above 10%.

CET1 of 10.2% was up 10 basis points year over year, and we remain pleased with our ability to execute a story of "and" not "or." That is, we are growing our core businesses, maintaining strong capital levels, and returning capital to shareholders.
-- Michael G. Rhodes, Chief Executive OfficerLooking AheadOperational momentum is accelerating across key lending segments, and leadership isn't hiding its satisfaction with the trajectory. Deep dealer relationships and digital deposit scale provide lasting advantages. Meanwhile, strategic focus remains on credit discipline and deposit pricing.

We have been clear about what we have set out to accomplish, and our results today represent another step on our path to mid-teens returns. While that path may not always be linear, our conviction continues to grow.
-- Michael G. Rhodes, Chief Executive OfficerOngoing technology investments and tight expense controls position the bank for sustainable profitability. That combination of efficiency and selective growth supports expanding returns over the long haul.

In total, our focused strategy and disciplined execution continue to drive improving operational and financial performance.
-- Russell Hutchinson, Chief Financial OfficerAlly is an advertising partner of Motley Fool Money. The Motley Fool has no position in any of the stocks mentioned. The Motley Fool has a disclosure policy.

Ally Financial (ALLY - Free Report) came out with quarterly earnings of $1.34 per share, beating the Zacks Consensus Estimate of $1.32 per share. This compares to earnings of $1.15 per share a year ago. These figures are adjusted for non-recurring items.

This quarterly report represents an earnings surprise of +1.52%. A quarter ago, it was expected that this auto finance company and bank would post earnings of $1.25 per share when it actually produced earnings of $1.21, delivering a surprise of -3.2%.

Over the last four quarters, the company has surpassed consensus EPS estimates three times.

Ally Financial, which belongs to the Zacks Financial - Consumer Loans industry, posted revenues of $2.33 billion for the quarter ended September 2026, surpassing the Zacks Consensus Estimate by 2.32%. This compares to year-ago revenues of $2.17 billion. The company has topped consensus revenue estimates two times over the last four quarters.

The sustainability of the stock's immediate price movement based on the recently-released numbers and future earnings expectations will mostly depend on management's commentary on the earnings call.

Ally Financial shares have lost about 17% since the beginning of the year versus the S&P 500's gain of 12.4%.

What's Next for Ally Financial?While Ally Financial has underperformed the market so far this year, the question that comes to investors' minds is: what's next for the stock?

There are no easy answers to this key question, but one reliable measure that can help investors address this is the company's earnings outlook. Not only does this include current consensus earnings expectations for the coming quarter(s), but also how these expectations have changed lately.

Empirical research shows a strong correlation between near-term stock movements and trends in earnings estimate revisions. Investors can track such revisions by themselves or rely on a tried-and-tested rating tool like the Zacks Rank, which has an impressive track record of harnessing the power of earnings estimate revisions.

Ahead of this earnings release, the estimate revisions trend for Ally Financial was unfavorable. While the magnitude and direction of estimate revisions could change following the company's just-released earnings report, the current status translates into a Zacks Rank #5 (Strong Sell) for the stock. So, the shares are expected to underperform the market in the near future. You can see the complete list of today's Zacks #1 Rank (Strong Buy) stocks here.

It will be interesting to see how estimates for the coming quarters and the current fiscal year change in the days ahead. The current consensus EPS estimate is $1.43 on $2.32 billion in revenues for the coming quarter and $5.00 on $8.9 billion in revenues for the current fiscal year.

Investors should be mindful of the fact that the outlook for the industry can have a material impact on the performance of the stock as well. In terms of the Zacks Industry Rank, Financial - Consumer Loans is currently in the bottom 27% of the 250 plus Zacks industries. Our research shows that the top 50% of the Zacks-ranked industries outperform the bottom 50% by a factor of more than 2 to 1.

Navient (NAVI - Free Report) , another stock in the same industry, has yet to report results for the quarter ended September 2026. The results are expected to be released on November 4.

This student loan servicing company is expected to post quarterly earnings of $0.16 per share in its upcoming report, which represents a year-over-year change of -44.8%. The consensus EPS estimate for the quarter has been revised 12.8% lower over the last 30 days to the current level.

Navient's revenues are expected to be $124.63 million, down 14.6% from the year-ago quarter.

, /PRNewswire/ -- Ally Financial (NYSE: ALLY) today reported its third quarter 2026 results. View full press release in PDF.

The news release, presentation and financial supplement can be accessed in the following ways:

Ally Financial

Ally Financial Press Room at https://media.ally.com
Ally Financial Investor Relations website at https://ally.com/about/investor/

Ally will host a conference call at 9 a.m. ET to review the company's performance. The call will include a review of the results, followed by a question and answer session.

Conference Call Information: Conference call participation is available via webcast or dial-in. The webcast will be live on Ally's Investor Relations website in the Events & Presentations section (https://www.ally.com/about/investor/events-presentations/index.html).

To join the conference via dial-in, please pre-register via the following link at least 15 minutes before the call begins: https://register-conf.media-server.com/register/BI8d7b2a06520a45f6ac94fe9a466d5343. Upon registration, you will be provided with the conference dial-in number as well as a unique registrant ID.

A replay of the call will be available via webcast on the Ally Investor Relations website.

About Ally Financial
Ally Financial Inc. (NYSE: ALLY) includes the nation's largest all-digital bank and auto finance business, driven by a mission to "Do It Right" for its customers and communities. Ally is a U.S. financial holding company with $203 billion in assets and 9.7 million customers (as of September 30, 2026). Ally Bank, Member FDIC, offers online banking products, including high-yield savings and no hidden fee checking, and was the first major U.S. bank to eliminate overdraft fees. Ally also provides investing solutions through Ally Invest, including online brokerage, automated investing, IRAs and personal advice. As a leader in auto finance, Ally provides consumer and dealer financing, insurance, and vehicle remarketing services. Ally's seasoned corporate finance business provides capital to equity sponsors and middle-market companies. Visit ally.com.

Contacts:

Dan Ignacio
Ally Investor Relations
704-444-5107
[email protected]

Peter Gilchrist
Ally Communications (Media)
704-644-6299
[email protected]

SOURCE Ally Financial

GM arrives with six straight earnings beats and a CEO who thinks the stock is cheap, while Ally faces a wave of analyst downgrades and rising credit pressure. Tuesday morning will reveal whether American car buyers are still willing to…

General Motors (NYSE:GM | GM Price Prediction) and Ally Financial (NYSE:ALLY) both report third-quarter results before the markets open on Tuesday, October 20, 2026. Together, the two reports show what Americans are paying for cars and how well they are paying back the loans.

Pricing Power Meets a Lender Under Pressure
GM comes into the report with six consecutive EPS beats. In the second quarter, adjusted EPS of $3.57 came in ahead of the $3.18 consensus. The North America margin expanded 2.5 points to 8.6%, and management raised its full-year adjusted EPS guidance for the second time, to $12.00 to $14.00. Shares have gained 44.8% over the past year.

Ally’s second quarter was messier. Adjusted EPS of $1.21 missed the $1.22 consensus, even though originations rose 21% to $13.3 billion on a record 4.6 million applications. That built on a first quarter in which CEO Michael Rhodes cited a record 4.4 million consumer applications and $11.5 billion in originations, a 13% increase year over year despite lower industry sales. The stock is down 17.7% year to date.

Consensus Estimates for Both Reports

Metric
GM
Ally

Q3 2026 EPS estimate
$3.61
$1.33

YoY EPS growth
28.75%
15.8%

Q3 2026 revenue estimate
$48.67 billion
$2.29 billion

YoY revenue growth
0.16%
5.9%

FY2026 EPS estimate
$13.51
$5.05

FY2026 EPS growth
27.4%
32.6%

FY2026 revenue estimate
$185.83 billion
$9.01 billion

FY2026 revenue growth
0.45%
13.9%

Truck Margins, Charge-Offs, and Deposit Rates Set the Tone
For GM, the North America margin matters most. On The Clark Howard Podcast on September 21, 2026, Clark Howard said Ford Motor (NYSE:F) and GM decided they “would rather sell a lot less metal for a lot more money than get market share.” If the 8.6% margin slips, buyers may be pushing back on price. Gross tariff cost guidance of $2.5 billion to $3.5 billion and any further EV charges deserve a close look; a third guidance raise would confirm that demand is holding.

Ally shows whether those buyers can keep up with payments. Second-quarter retail auto net charge-offs of 1.57% came in below the full-year guidance of 1.8% to 2.0%, and 47% of originations came from the top credit tier. Delinquencies had improved year over year for five consecutive quarters, so check whether that streak continued. Analysts have turned more cautious, with 13 downward revisions to Q3 EPS estimates over the past 30 days.

Deposits are the third piece. Ally’s average retail deposit rate fell to 3.12%, which lifted net interest margin (excluding the original issue discount) to 3.63%. On August 25, 2026, Wes Moss answered a Clark Howard Podcast listener whose Ally rate had dropped. He warned that banks “give you a teaser rate and then they’ll lower it over time,” and pointed savers toward money market funds.

One Morning Could Reset the Car Buyer Story
GM CEO Mary Barra told Mad Money on October 12, 2026, “We do think the stock is undervalued. We have the strongest vehicle portfolio that we’ve ever had.” On leaving Cruise, she said, “We’re not in the taxi business, we’re not in the bus business.” Firm pricing at GM and clean credit at Ally would show that buyers are still paying up and paying back. Weakness in either report would change how investors see both stocks.

Contact [email protected] for any questions or corrections.

Grants support pathways to opportunity through affordable housing, financial education and workforce development

, /PRNewswire/ -- The Ally Charitable Foundation, the philanthropic arm of Ally Financial, today announced grants to nonprofit organizations across Detroit and Charlotte, two of its hometowns, to build lasting pathways to economic mobility. The more than $2.5 million in grants span three interconnected pillars informed by community research: affordable housing, financial education and workforce development, each of which plays a critical role in helping people build long-term financial stability.

Since 2020, the Ally Charitable Foundation has invested more than $45 million across primarily Detroit and Charlotte, recognizing that lasting opportunity is created when solutions work together to address the barriers individuals and communities face.

"Being an ally isn't just our name, it's our purpose and our promise," said Kathie Patterson, chair of the Ally Charitable Foundation and Ally's chief human resources and corporate citizenship officer. "Strong communities are built by the people who live and work in them. Listening to what's changing on the ground is how we understand evolving needs and support the organizations creating pathways to opportunity. That's what being an ally looks like in practice."

Detroit: Building on a Strong Foundation
Detroit's 39 grant recipients reflect a deep ecosystem of community-rooted organizations working to meet people where they are. Workforce development is among the city's most pressing needs, and many of the Foundation's grants trace a path from exploration to long-term career growth.

Atlantic Impact introduces young adults to skilled trades through hands-on training and real-world projects, opening doors for those just beginning to explore what's possible. NPower Michigan builds on that early foundation, helping participants earn technology credentials that lead directly to quality IT jobs, while Focus: HOPE combines training for in-demand careers with wraparound support, helping individuals' complete programs and enter the workforce. Further along, the Detroit Regional Partnership equips workers with the skills to advance into higher-paying roles. As people gain footing, the pillars connect: Habitat for Humanity Detroit opens pathways to homeownership for families historically left out of that opportunity, and MiSide Wealth brings financial education into early learning centers, reaching parents at a pivotal moment for their families' financial futures.

Charlotte: Expanding Reach and Impact
A city in motion, Charlotte's 43 grant recipients reach across neighborhoods, income levels and demographics, fueling economic mobility. The Foundation's affordable housing grants meet people at every stage of the journey—from crisis to lasting stability.

Hearts for the Invisible Charlotte, founded during the COVID-19 pandemic in response to the rapid growth of encampments, serves as the entry point for individuals and families experiencing unsheltered homelessness, connecting them to resources and expanding access to safe, stable shelter and housing. Roof Above extends that reach, connecting people in moments of immediate need with shelter and supportive services. Charlotte Family Housing and YWCA Central Carolinas then provide direct pathways to housing stability for families experiencing homelessness, helping them regain their footing. At the far end of the continuum, Habitat for Humanity of the Charlotte Region helps families achieve the goal of homeownership by purchasing homes with affordable mortgages.

These grants are among many awarded in 2026, reflecting the Foundation's ongoing commitment to helping individuals, families and communities thrive. By supporting organizations addressing a range of community needs, the Foundation seeks to expand pathways to economic mobility in Detroit and Charlotte.

About Ally Charitable Foundation
Ally Charitable Foundation supports strategic investments that advance economic mobility and create meaningful impact in Detroit, Michigan and Charlotte, North Carolina. Through its philanthropic giving, the Foundation funds initiatives that promote affordable housing, financial education, and workforce development to strengthen these communities. The Foundation is a 501(c)(3) nonprofit corporation funded primarily by contributions from Ally Financial. For more information on Ally Charitable Foundation, visit www.ally.com/about/social-impact/grants.

About Ally Financial
Ally Financial Inc. (NYSE: ALLY) includes the nation's largest all-digital bank and auto finance business, driven by a mission to "Do It Right" for its customers and communities. Ally is a U.S. financial holding company with $200 billion in assets and 9.6 million customers (June 30, 2026). Ally Bank, Member FDIC, offers online banking products, including high-yield savings and no hidden fee checking, and was the first major U.S. bank to eliminate overdraft fees. Ally also provides investing solutions through Ally Invest, including online brokerage, automated investing, IRAs and personal financial advice. As a leader in auto finance, Ally provides consumer and dealer financing, insurance, and vehicle remarketing services. Ally's seasoned corporate finance business provides capital to equity sponsors and middle-market companies. Visit ally.com.

Contacts:

Alex Moore
Ally Communications
[email protected] 

SOURCE Ally Financial

Ally Financial Inc. (NYSE:ALLY) will release earnings for its third quarter before the opening bell on Tuesday, Oct. 20.

Analysts expect the Detroit, Michigan-based company to report quarterly earnings of $1.33 per share, up from $1.15 per share in the year-ago period. The consensus estimate for ALLY’s quarterly revenue is $2.29 billion. It reported $2.17 billion last year, according to Benzinga Pro.

On July 21, Ally Financial posted mixed second-quarter results.

Shares of Ally Financial fell 2.3% to close at $36.74 on Wednesday.

Benzinga readers can access the latest analyst ratings on the Analyst Stock Ratings page. Readers can sort by stock ticker, company name, analyst firm, rating change or other variables.

Let’s have a look at how Benzinga’s most-accurate analysts have rated the company in the recent period.

Morgan Stanley analyst Betsy Graseck downgraded the stock from Overweight to Equal-Weight and cut the price target from $55 to $43 on Oct. 12, 2026. This analyst has an accuracy rate of 63%.
JP Morgan analyst Richard Shane maintained an Overweight rating and slashed the price target from $48 to $43 on Oct. 12, 2026. This analyst has an accuracy rate of 65%.
TD Cowen analyst Moshe Orenbuch maintained a Buy rating and cut the price target from $55 to $54 on Oct. 6, 2026. This analyst has an accuracy rate of 63%.
Wells Fargo analyst Donald Fandetti downgraded the stock from Overweight to Equal-Weight and cut the price target from $55 to $42 on Sept. 30, 2026. This analyst has an accuracy rate of 65%.
Truist Securities analyst Brian Foran maintained the stock with a Buy rating and cut the price target from $51 to $50 on Sept. 23, 2026. This analyst has an accuracy rate of 61%.
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Considering buying ALLY stock? Here’s what analysts think:

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Ally Financial trades at 0.89x tangible book, a deep discount to peers, despite improving fundamentals and a 3.2% dividend yield. ALLY's return on tangible common equity (ROTCE) is rising, with recent results at 11.8%, and management targets mid-teens ROTCE as legacy drags roll off. The stock is valued at $44–$51 per share based on current and peer multiples, offering 17%–37% upside if charge-offs remain contained.

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.

, /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. ET. The results will be available on the Ally Press Room website (http://media.ally.com).

Ally will host a conference call at 9 a.m. ET to review the company's performance. You may listen to the call via webcast or dial-in. The webcast will be live on Ally's Investor Relations website in the Events & Presentations section (http://www.ally.com/about/investor/events-presentations/index.html).

To join the conference via dial-in, please pre-register via the following link at least 15 minutes before the call begins: https://register-conf.media-server.com/register/BI8d7b2a06520a45f6ac94fe9a466d5343. Upon registration, you will be provided with the conference dial-in number as well as a unique registrant ID.

The presentation and financial supplement will be posted in the Events & Presentations section of Ally's Investor Relations website on October 20, 2026, at approximately 7:30 a.m. ET.          

A replay of the call will be available via webcast on the Ally Investor Relations website.

About Ally Financial
Ally Financial Inc. (NYSE: ALLY) includes the nation's largest all-digital bank and an industry leading auto finance business, driven by a mission to "Do It Right" for its customers and communities. Ally is a U.S. financial holding company with $200 billion in assets and 9.6 million customers (June 30, 2026). Ally Bank, Member FDIC, offers online banking products, including high-yield savings and no hidden fee checking, and was the first major U.S. bank to eliminate overdraft fees. Ally also provides investing solutions through Ally Invest, including online brokerage, automated investing, IRAs and personal financial advice. As a leader in auto finance, Ally provides consumer and dealer financing, insurance, and vehicle remarketing services. Ally's seasoned corporate finance business provides capital to equity sponsors and middle-market companies. Visit ally.com.

Contacts:

Dan Ignacio
Ally Investor Relations
704-444-5107
[email protected]

Peter Gilchrist
Ally Communications (Media)
704-644-6299
[email protected]

SOURCE Ally Financial

Amundi boosted its position in shares of Ally Financial Inc. (NYSE:ALLY – Free Report) 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 0.09% of Ally Financial worth $12,625,000 at the end of the most recent reporting period.

A number of other institutional investors have also recently modified their holdings of ALLY. BlackRock Inc. purchased a new stake in Ally Financial in the second quarter valued at $1,315,659,000. Berkshire Hathaway Inc purchased a new position in Ally Financial during the 2nd quarter worth approximately $1,240,650,000. California State Teachers Retirement System increased its position in Ally Financial by 4,362.7% during the second quarter. California State Teachers Retirement System now owns 14,336,308 shares of the financial services provider’s stock worth $658,753,000 after buying an additional 14,015,057 shares during the period. Wellington Management Group LLP lifted its stake in Ally Financial by 19.5% in the fourth quarter. Wellington Management Group LLP now owns 14,271,290 shares of the financial services provider’s stock valued at $646,347,000 after buying an additional 2,332,610 shares during the last quarter. Finally, Dimensional Fund Advisors LP boosted its holdings in shares of Ally Financial by 3.6% in the first quarter. Dimensional Fund Advisors LP now owns 9,018,580 shares of the financial services provider’s stock valued at $353,776,000 after acquiring an additional 309,638 shares during the period. 88.76% of the stock is currently owned by institutional investors and hedge funds.

Insider Buying and Selling at Ally Financial In related news, insider Stephanie Richard sold 5,000 shares of the stock in a transaction that occurred on Tuesday, August 4th. The shares were sold at an average price of $44.23, for a total transaction of $221,150.00. Following the sale, the insider owned 88,927 shares in the company, valued at approximately $3,933,241.21. This trade represents a 5.32% decrease in their position. The transaction was disclosed in a legal filing with the SEC, which is accessible through this link. Company insiders own 0.46% of the company’s stock.

Ally Financial Price Performance Shares of ALLY stock opened at $42.08 on Friday. The firm has a market cap of $12.80 billion, a price-to-earnings ratio of 9.93, a P/E/G ratio of 0.26 and a beta of 1.09. The company has a debt-to-equity ratio of 1.26, a current ratio of 0.92 and a quick ratio of 0.92. Ally Financial Inc. has a one year low of $35.92 and a one year high of $47.29. The stock’s fifty day simple moving average is $43.85 and its 200 day simple moving average is $42.70. Ally Financial (NYSE:ALLY – Get Free Report) last announced its quarterly earnings data on Tuesday, July 21st. The financial services provider reported $1.21 EPS for the quarter, missing analysts’ consensus estimates of $1.22 by ($0.01). The firm had revenue of $2.28 billion during the quarter, compared to the consensus estimate of $2.22 billion. Ally Financial had a net margin of 16.75% and a return on equity of 11.75%. The firm’s quarterly revenue was up 9.8% on a year-over-year basis. During the same quarter in the previous year, the business posted $0.99 earnings per share. On average, analysts expect that Ally Financial Inc. will post 5.2 earnings per share for the current fiscal year.

Ally Financial Dividend Announcement The firm also recently disclosed a quarterly dividend, which was paid on Friday, August 14th. Shareholders of record on Friday, July 31st were issued a $0.30 dividend. The ex-dividend date of this dividend was Friday, July 31st. This represents a $1.20 dividend on an annualized basis and a yield of 2.9%. Ally Financial’s payout ratio is currently 28.30%.

Analyst Ratings Changes ALLY has been the subject of several research analyst reports. Wells Fargo & Company increased their price objective on Ally Financial from $52.00 to $55.00 and gave the stock an “overweight” rating in a research report on Friday, June 26th. Bank of America lifted their target price on shares of Ally Financial from $52.00 to $53.00 and gave the company a “buy” rating in a report on Wednesday, July 8th. Deutsche Bank Aktiengesellschaft reaffirmed a “buy” rating and issued a $58.00 target price on shares of Ally Financial in a research report on Wednesday, July 22nd. Wall Street Zen cut Ally Financial from a “buy” rating to a “hold” rating in a research note on Monday, June 8th. Finally, Truist Financial decreased their price target on shares of Ally Financial from $54.00 to $51.00 and set a “buy” rating for the company in a research report on Tuesday, August 4th. One analyst has rated the stock with a Strong Buy rating, fourteen have given a Buy rating and two have assigned a Hold rating to the company’s stock. According to MarketBeat.com, the company currently has an average rating of “Moderate Buy” and an average target price of $53.73.

Read Our Latest Stock Report on Ally Financial

Ally Financial Profile (Free Report)

Ally Financial Inc is a digital financial services company headquartered in Detroit, Michigan. Through its subsidiaries, the company provides consumer and commercial financial products, with a primary focus on automotive financing and digital banking.

Ally’s automotive business offers retail installment sales contracts, consumer loans and leasing products through a network of automotive dealers. The company also provides dealer financing and related commercial lending services. Through Ally Bank, it offers deposit accounts, personal loans, mortgage products and other banking services, while Ally Invest provides self-directed investment and brokerage services to individuals.

The company serves customers primarily in the United States through digital platforms, dealer relationships and other distribution channels.

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New Cost of Life Today platform and proprietary Joy Index reveal only 15% of Americans say joy is easy to afford, highlighting the connection between financial well-being and quality of life

, /PRNewswire/ -- Ally Bank today launched Cost of Life Today, a new consumer research platform dedicated to understanding how economic realities shape everyday life. At the center of the initiative is the inaugural Joy Index, Ally's proprietary annual benchmark that quantifies the relationship between financial realities and consumers' ability to experience joy.

Traditional economic indicators help explain how the economy is performing, but they don't always reveal how people are actually experiencing it. The Joy Index is designed to add that missing dimension, measuring whether consumers have the financial flexibility to enjoy the people, experiences and moments that make life meaningful. The proprietary Joy Index and broader Cost of Life Today platform aim to holistically complement traditional economic reporting and deepen the conversation around how financial realities shape everyday life.

"Financial well-being is about so much more than an account balance. It's about having the confidence and flexibility to prepare for tomorrow, while still making room for life today," said Lindsay Sacknoff, president of consumer banking at Ally. "The Cost of Life Today report gives us a deeper understanding of the real pressures, priorities and tradeoffs shaping people's financial decisions, so that we can keep building a banking experience that works harder for the everyday person and impacts their life in a meaningful way, both now and in the future."

Developed in partnership with YouGov and fielded among a nationally representative sample of more than 5,000 U.S. adults involved in household financial decision-making, the Joy Index is designed to build a trusted, empirical view of how Americans' financial realities, priorities and experiences evolve over time. Through the Joy Index and ongoing research, Cost of Life Today examines the choices consumers make every day: what they prioritize, what they postpone and what feels worth protecting, offering a richer perspective on how financial well-being is experienced in real life.

The inaugural findings suggest Americans haven't stopped choosing joy, but they are working harder to protect it: nearly four in five (79%) experience something that brings them joy at least monthly, yet only 15% say joy is easy to afford. Through annual reporting and year-round insights, Ally is establishing the Joy Index as an annual benchmark to understand how Americans' relationship with money and joy changes over time.

The platform builds on Ally's role as a pioneer in financial wellness and bespoke consumer research exploring the choices and pressures behind Americans' financial lives, from friendship and sports fandom to wedding culture and showing up for loved ones' milestone celebrations. Ally's newest research extends that work by exploring how people make spending choices that reflect both their obligations and what matters to them personally. As the nation's largest all-digital bank dedicated to helping consumers achieve financial confidence, Ally is uniquely positioned to explore what people earn, spend and save, and how those realities ultimately affect quality of life. 

Key Findings: How Americans Are Making Room for Life Today
The Cost of Life Today report and Joy Index provide one of the clearest pictures yet of how Americans are navigating the tension between financial responsibility and living meaningfully today. The findings reveal an encouraging but nuanced reality: Americans have not abandoned joy, but financial pressure is making it harder to sustain. Sixty-eight percent spend on joy at least monthly, yet only 15% say the purchases and experiences that bring them joy are easy to afford.

Balancing today with tomorrow: Fifty-four percent try to balance long-term financial goals with enjoying life today, even when it means making slower progress. Consumers are also more than three times as likely to prioritize future financial goals over present-day enjoyment as the reverse. Joy spending can trigger guilt — even without overspending: Seventy-two percent feel at least some guilt when spending on joy instead of other financial goals, although 68% believe they spend the right amount on joy, or close to it, and only 6% believe they spend too much. That guilt is especially pronounced among women: 75% feel at least some guilt and 25% feel a lot, compared with 68% and 15% of men, respectively. Gen Z is making room for joy on its own terms: Gen Z reports experiencing joy more frequently than any other generation, and it is most likely to spend on joy at least monthly, at 76%. The young cohort is also the most likely to maintain a dedicated joy budget, at 56%, compared with 46% of millennials, 32% of Gen X and 29% of Boomers+. Yet Gen Z's average monthly joy spend, $295, is nearly identical to Boomers+, at $298. Mindset shapes the experience of joy: Consumers with a "joy mindset" — regularly experiencing appreciation, gratitude, optimism and wonder — are nearly twice as likely to report joy weekly as those without one, at 88% compared with 45%. Experience scores are also nearly identical across income levels, although the overall Joy Index still rises with income. "One of the most striking findings is how intentionally Gen Z is protecting joy," said Jack Howard, head of money wellness at Ally. "They lead all cohorts in spending on joy regularly and are the most likely to plan for it through a dedicated budget. Yet 77% still feel at least some guilt when spending on joy instead of another financial goal. That tells us the tension is not simply about overspending. Many consumers are second-guessing whether they should make room for joy at all. These findings get to the heart of money wellness and represent the balancing act people navigate every day: building security for tomorrow while still making room for a meaningful life today."

Read the full Cost of Life Today report.

Measuring What Matters Most: The Joy Index
The inaugural findings are rooted in the Joy Index, Ally's proprietary framework for understanding how Americans balance money, priorities and well-being.

Built from four equally weighted pillars — Affordability, Importance, Experience and Resiliency — the Index measures consumers' financial capacity to make room for joy, how intentionally they prioritize it, how frequently they experience it and how financial responsibilities and stress affect their ability to balance today with tomorrow. The score is informed by questions about how often consumers experience joy, whether they can afford the things that bring them joy, how important those experiences are relative to other priorities and how resilient joy remains during periods of financial stress.

The average U.S. adult scored 54.2 out of 100, placing Americans in Joy Pressured territory, where joy remains present, but financial pressure makes it harder to sustain consistently. Experience is the strongest-scoring pillar nationally, at 16.0 out of 25, while Affordability is the weakest, at 11.8.

A higher score suggests greater financial flexibility and capacity to prioritize joy, while a lower score indicates heavier constraints and more difficult tradeoffs. As an inaugural benchmark, the national score of 54.2 establishes a baseline rather than a verdict, creating a new way to track how consumers' capacity for joy evolves over time across economic conditions, life stages and generations.

The Index reinforces the report's core insight: Americans are still finding joy, but many lack the financial breathing room to do so easily, confidently or consistently.

Building the Cost of Life Today Platform
The annual report and Joy Index are just the beginning. Together, they serve as the flagship expression of Ally's broader Cost of Life Today platform, which will continue throughout the year with research exploring the financial decisions, tradeoffs and emotions shaping modern life.

By examining the behaviors, tradeoffs and emotions that shape financial decision-making, the platform offers a richer view of evolving consumer priorities, financial decision-making and quality of life. That perspective can help consumers better understand their own relationship with money while giving Ally — and the broader marketplace — greater insight into what people value, where they feel pressure and how their priorities are changing.

For Ally, investing in that understanding is a natural extension of its approach to financial wellness: helping people feel more informed, confident and in control of their money so they can make thoughtful choices about both the future they are building and the life they are living today. Those insights can also inform future research, tools and experiences designed to meet consumers in the moments that matter.

That commitment to making finance more human also comes to life through Money Roots®, Ally's free financial wellness program designed to help people understand how their money mindset shapes their spending, saving and investing decisions. For more information, visit ally.com/moneyroots.

Press Kit: The full Cost of Life Today report, Joy Index findings and supporting materials are available here [LINK].

Survey Methodology: The Joy Index is a proprietary index designed to capture how well consumers are able to balance financial responsibilities while maintaining a joyful and fulfilling life. The Joy Index is a composite score based on four components — Affordability, Importance, Experience and Resiliency. Each component is equally weighted with a maximum of 25 points to create an index score ranging from 0 to 100. The research was conducted by YouGov and fielded in July 2026 among a nationally representative sample of more than 5,000 U.S. adults ages 18 and older who have some role in household financial decision-making.

About Ally Financial
Ally Financial Inc. (NYSE: ALLY) includes the nation's largest all-digital bank and an industry leading auto finance business, driven by a mission to "Do It Right" for its customers and communities. Ally is a U.S. financial holding company with $200 billion in assets and 9.6 million customers (June 30, 2026). Ally Bank, Member FDIC, offers online banking products, including high-yield savings and no hidden fee checking, and was the first major U.S. bank to eliminate overdraft fees. Ally also provides investing solutions through Ally Invest, including online brokerage, automated investing, IRAs and personal financial advice. As a leader in auto finance, Ally provides consumer and dealer financing, insurance, and vehicle remarketing services. Ally's seasoned corporate finance business provides capital to equity sponsors and middle-market companies. Visit ally.com.

CONTACT 
Sarah Maddigan
Ally Communications
[email protected]

SOURCE Ally Financial

Allworth Financial LP purchased a new stake in shares of Ally Financial Inc. (NYSE:ALLY – Free Report) in the second quarter, according to its most recent filing with the SEC. The firm purchased 12,952 shares of the financial services provider’s stock, valued at approximately $595,000.

Several other institutional investors have also modified their holdings of ALLY. BlackRock Inc. acquired a new stake in shares of Ally Financial in the 2nd quarter worth approximately $1,315,659,000. Wellington Management Group LLP boosted its position in shares of Ally Financial by 19.5% in the 4th quarter. Wellington Management Group LLP now owns 14,271,290 shares of the financial services provider’s stock worth $646,347,000 after buying an additional 2,332,610 shares in the last quarter. Dimensional Fund Advisors LP boosted its position in shares of Ally Financial by 3.6% in the 1st quarter. Dimensional Fund Advisors LP now owns 9,018,580 shares of the financial services provider’s stock worth $353,776,000 after buying an additional 309,638 shares in the last quarter. Arrowstreet Capital Limited Partnership grew its stake in Ally Financial by 11.7% in the 1st quarter. Arrowstreet Capital Limited Partnership now owns 6,783,947 shares of the financial services provider’s stock valued at $266,134,000 after acquiring an additional 712,443 shares during the last quarter. Finally, Geode Capital Management LLC grew its stake in Ally Financial by 4.7% in the 4th quarter. Geode Capital Management LLC now owns 5,381,838 shares of the financial services provider’s stock valued at $243,795,000 after acquiring an additional 241,000 shares during the last quarter. Hedge funds and other institutional investors own 88.76% of the company’s stock.

Analyst Ratings Changes Several analysts have issued reports on the stock. Citigroup reduced their price target on shares of Ally Financial from $70.00 to $58.00 and set a “buy” rating on the stock in a report on Tuesday, June 23rd. Deutsche Bank Aktiengesellschaft reiterated a “buy” rating and set a $58.00 target price on shares of Ally Financial in a report on Wednesday, July 22nd. Weiss Ratings raised Ally Financial from a “buy (b-)” rating to a “buy (b)” rating in a research report on Tuesday, June 23rd. Wall Street Zen cut Ally Financial from a “buy” rating to a “hold” rating in a report on Monday, June 8th. Finally, Royal Bank Of Canada upped their price objective on Ally Financial from $52.00 to $55.00 and gave the company an “outperform” rating in a research report on Friday, July 10th. Fourteen investment analysts have rated the stock with a Buy rating and two have assigned a Hold rating to the company’s stock. According to data from MarketBeat.com, the company presently has an average rating of “Moderate Buy” and an average target price of $53.64.

Check Out Our Latest Stock Report on Ally Financial Ally Financial Stock Performance Ally Financial stock opened at $42.96 on Monday. The stock has a fifty day moving average price of $44.82 and a 200 day moving average price of $42.63. Ally Financial Inc. has a 52 week low of $35.92 and a 52 week high of $47.29. The firm has a market capitalization of $13.07 billion, a P/E ratio of 10.13, a PEG ratio of 0.27 and a beta of 1.10. The company has a current ratio of 0.92, a quick ratio of 0.92 and a debt-to-equity ratio of 1.26.

Ally Financial (NYSE:ALLY – Get Free Report) last issued its quarterly earnings results on Tuesday, July 21st. The financial services provider reported $1.21 earnings per share (EPS) for the quarter, missing analysts’ consensus estimates of $1.22 by ($0.01). Ally Financial had a return on equity of 11.75% and a net margin of 16.75%.The business had revenue of $2.28 billion during the quarter, compared to analyst estimates of $2.22 billion. During the same period in the previous year, the business posted $0.99 earnings per share. The firm’s quarterly revenue was up 9.8% on a year-over-year basis. Equities research analysts anticipate that Ally Financial Inc. will post 5.19 earnings per share for the current year.

Ally Financial Announces Dividend The business also recently declared a quarterly dividend, which was paid on Friday, August 14th. Shareholders of record on Friday, July 31st were issued a $0.30 dividend. This represents a $1.20 dividend on an annualized basis and a dividend yield of 2.8%. The ex-dividend date was Friday, July 31st. Ally Financial’s dividend payout ratio (DPR) is 28.30%.

Insider Buying and Selling at Ally Financial In other Ally Financial news, insider Stephanie N. Richard sold 5,000 shares of Ally Financial stock in a transaction on Tuesday, August 4th. The shares were sold at an average price of $44.23, for a total value of $221,150.00. Following the transaction, the insider owned 88,927 shares in the company, valued at $3,933,241.21. This trade represents a 5.32% decrease in their position. The sale was disclosed in a document filed with the Securities & Exchange Commission, which is available through this link. 0.46% of the stock is currently owned by company insiders.

About Ally Financial (Free Report)

Ally Financial Inc is a leading digital financial services company headquartered in Detroit, Michigan. The company offers a comprehensive suite of banking, lending, and insurance products designed for retail and commercial customers. Through its online-only platform, Ally Bank provides checking and savings accounts, certificates of deposit, money market accounts, and home mortgages, emphasizing competitive rates and user-friendly mobile and web experiences.

In addition to its banking operations, Ally Financial is a major player in automotive financing and leasing.

Further Reading Five stocks we like better than Ally Financial VIG, VYM, and VYMI: Which Vanguard Dividend ETF Is Right for You? 3 Closed-End Funds to Maximize Dividend Payments Rocket Lab’s Sell-Off Is Fading—Is It Finally Safe to Buy? $27 Billion in Buybacks: 3 Stocks Betting Their Strong Runs Aren’t Over

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CHARLOTTE, N.C., Aug. 20, 2026 /PRNewswire/ -- Ally Financial (NYSE: ALLY) Chief Financial Officer Russ Hutchinson will present at the Barclays Global Financial Services Conference on Tuesday, September 15, 2026 at approximately 9:45 a.m.

Stephanie N. Richard, Chief Risk Officer of Ally Financial Inc. (ALLY +0.40%), sold 5,000 shares of common stock on Aug. 4, 2026, according to an SEC Form 4 filing.

Transaction summaryMetricValueShares sold (directly held)5,000Transaction value$221,150Post-transaction shares (directly held)88,927Post-transaction value$4 millionTransaction value based on SEC Form 4 weighted average sale price ($44.23); post-transaction value based on August 04, 2026, market close ($44.99).

Key questionsWhat was the mechanism for this transaction?
The sale was executed pursuant to a Rule 10b5-1 trading plan adopted by Stephanie N. Richard on Jan. 30, 2026. These plans allow insiders to schedule stock sales in advance to manage liquidity needs while maintaining compliance with insider trading regulations.How does this disposal impact the insider's remaining stake?
Following this transaction, Stephanie N. Richard continues to hold 88,927 shares directly. Based on the market close price of $44.99 on Aug. 4, 2026, this remaining direct position is valued at $4 million.What is the broader ownership context for the insider?
After the reported sale, the insider's total direct equity stake represents approximately 0.0292% of the company's outstanding shares. All holdings are currently held directly, with no indirect beneficial ownership reported.What was the price range of the execution?
The shares were sold in multiple transactions at prices ranging from $44.15 to $44.36, resulting in a reported weighted-average price of $44.23 per share.Company OverviewMetricValueShare Price (as of market close 2026-08-04)$44.99Market Capitalization$13.7 billionRevenue (TTM)$15.8 billionNet Income (TTM)$1.5 billionCompany SnapshotAlly Financial operates as a digital-first financial services provider, offering comprehensive products, including automotive financing, retail banking, commercial lending, and investment solutions across the United States and Canada.The company generates revenue through interest income on loans and financing products, fee-based services, and investment management activities, with primary revenue concentration in automotive finance and consumer banking operations.Ally serves individual consumers, small and mid-sized commercial enterprises, and corporate clients seeking digital banking solutions and specialized financing products, with particular strength in the automotive lending market.

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Ally Financial is a leading digital-first financial services provider with a market capitalization of $13.7 billion and trailing 12-month revenues of $15.8 billion, demonstrating significant scale in the financial services sector.

The company's competitive advantage derives from its technology-enabled platform, direct-to-consumer distribution model, and specialized expertise in automotive finance. Ally's diversified business segments and focus on digital innovation position it to capture market share in an increasingly digital financial services landscape.

What this transaction means for investorsInvestors shouldn’t be concerned about this sale. This was a small percentage of the executive’s stake in the company’s stock. Moreover, it was completed under a Rule 10b5-1 plan, which insiders routinely use to make pre-planned transactions while avoiding the appearance of acting on material non-public information.

The business itself appears to be in good shape. Trailing-12-month revenue increased 7% year over year, while adjusted earnings grew roughly 11%. These results reflect management’s focus on growing high-return assets, such as retail auto loans and corporate finance.

The stock is currently up 18% over the past year, reflecting solid financial results. Analysts are expecting strong earnings growth over the next few years. This could lead to further gains for investors, with the shares trading at a forward price-to-earnings multiple of 7.3x.

Ally is an advertising partner of Motley Fool Money. John Ballard has no position in any of the stocks mentioned. The Motley Fool has no position in any of the stocks mentioned. The Motley Fool has a disclosure policy.

Chief Financial Officer Russell E. Hutchinson reported the sale of 12,614 shares of Ally Financial Inc. (ALLY +2.58%) in an SEC Form 4 filing.

Transaction summaryMetricValueShares sold12,614Transaction value$560,439Post-transaction shares (directly held)241,253Post-transaction value$10.72 millionTransaction value based on SEC Form 4 weighted average sale price ($44.43); post-transaction value based on July 21, 2026, market close ($44.43).

Key questionsWas this a discretionary market transaction?
No, the disposal was non-discretionary and was executed specifically to cover tax withholding obligations associated with the vesting of previously granted restricted stock units. Such transactions are automated and do not reflect the insider's independent view on the company's valuation or future prospects.What is the significance of the underlying vesting event?
The vesting of these equity awards continues to build the insider's long-term stake in the company. Although 12,614 shares were sold to cover taxes, the remaining vested shares increased the CFO’s direct ownership to 241,253 shares.What is the company's current financial profile?
Ally Financial is a digital-first financial services provider with a market capitalization of $13.7 billion as of the July 22, 2026, market close. The company generated $15.8 billion in revenue and $1.5 billion in net income over the trailing 12 months.How has the stock performed relative to this transaction?
The shares were priced at $44.43 at the time of the transaction, which occurred against a backdrop of a 14% one-year total return for the stock as of July 21, 2026. The CFO also holds derivative securities.Company OverviewMetricValueShare Price (as of market close 2026-07-22)$44.67Market Capitalization$13.7 billionRevenue (TTM)$15.8 billionNet Income (TTM)$1.5 billionCompany SnapshotAlly Financial operates as a digital-first financial services provider offering automotive financing, insurance products, deposit and lending solutions, and corporate finance services across the United States and Canada.The company generates revenue through interest income on loans and financing contracts, insurance premiums, service fees, and investment gains, leveraging its digital platform to optimize operational efficiency and customer acquisition costs.Ally serves individual consumers seeking vehicle financing and deposit products, commercial enterprises requiring fleet and equipment financing, and corporate clients accessing capital markets and treasury solutions.Ally Financial has a market capitalization of $13.7 billion and generated $15.8 billion in TTM revenue and $1.5 billion in net income, demonstrating strong profitability in the financial services sector. The company's digital-first strategy differentiates it within traditional banking by prioritizing technology-enabled customer experiences and operational scalability. With 10,300 employees and a diversified revenue base spanning automotive finance, consumer banking, and corporate services, Ally maintains a competitive position in credit services and financial intermediation.

What this transaction means for investorsRussell E. Hutchinson, Chief Financial Officer at Ally Financial (ALLY), sold 12,614 shares of the company’s stock, according to a recent SEC filing. Here are some key takeaways for investors.

First, one important caveat is that insiders sell for many reasons. Some sales are for tax purposes, others are simply part of a long-term estate planning strategy. In other words, investors shouldn’t assume that every insider sale is driven by a bearish perspective by the seller. Indeed, investors should always perform a thorough review of a company’s performance before buying or selling a stock.

With that in mind, let’s have a look at Ally. The company recently reported second-quarter earnings results on July 21, 2026. All in all, it was a mixed quarter for the company; it slightly missed earnings per share (EPS) expectations by reporting $1.21 versus the $1.23 consensus. However, revenue beat expectations, coming in at $2.29 billion versus expectations of $2.22 billion.

One area of concern is that the company’s lower-than-expected EPS figure was driven by $430 million in credit-loss provisions. This is money set aside with the expectation that some borrowers will fail to repay their loans in full. While this doesn’t signal a deterioration in the credit quality of the bank’s loan portfolio, it did eat into this quarter’s profit, and a similar situation cannot be ruled out for future quarters.

As for performance, Ally stock has generated a total return of 0% over the last five years. In short, the company’s stock is virtually unchanged since August 2021, even after accounting for dividend payments. That’s significantly worse than the S&P 500, which has delivered an 83% total return over the same period, with a compound annual growth rate (CAGR) of 12.8%.

The bottom line? Ally stock has struggled over the long term, but there are signs that it is gaining momentum. Shares are up 20% over the last 12 months. Investors seeking exposure to the financial sector may want to consider Ally stock, particularly if the company can demonstrate steady EPS growth going forward.

Ally is an advertising partner of Motley Fool Money. Jake Lerch has no position in any of the stocks mentioned. The Motley Fool has no position in any of the stocks mentioned. The Motley Fool has a disclosure policy.

Ally Financial Earns National Recognition for Digital Banking, Workplace Culture and Innovation PR Newswire CHARLO

Posted by Defense World Staff on Jul 23rd, 2026

California Public Employees Retirement System lifted its holdings in shares of Ally Financial Inc. (NYSE:ALLY – Free Report) by 5.6% during the 1st quarter, according to its most recent Form 13F filing with the Securities and Exchange Commission (SEC). The fund owned 512,887 shares of the financial services provider’s stock after buying an additional 27,233 shares during the period. California Public Employees Retirement System owned approximately 0.17% of Ally Financial worth $20,121,000 at the end of the most recent reporting period.

Several other large investors also recently bought and sold shares of the business. Mirae Asset Global Investments Co. Ltd. purchased a new stake in shares of Ally Financial during the 4th quarter valued at about $29,000. Fideuram Asset Management Ireland dac purchased a new position in shares of Ally Financial during the fourth quarter valued at approximately $35,000. Safe Harbor Fiduciary LLC bought a new position in Ally Financial during the fourth quarter valued at approximately $37,000. Harvest Fund Management Co. Ltd purchased a new stake in Ally Financial in the fourth quarter worth approximately $38,000. Finally, SJS Investment Consulting Inc. boosted its holdings in Ally Financial by 30.8% in the first quarter. SJS Investment Consulting Inc. now owns 1,019 shares of the financial services provider’s stock worth $40,000 after purchasing an additional 240 shares during the last quarter. 88.76% of the stock is currently owned by institutional investors.

Key Stories Impacting Ally Financial Here are the key news stories impacting Ally Financial this week:

Positive Sentiment: Revenue came in above estimates at $2.28 billion, up 9.8% year over year, showing that Ally Financial’s core business continues to grow. Ally Financial reports second quarter 2026 financial results Positive Sentiment: Car loans jumped 21% and deposits benefited from Ally’s digital-first banking strategy, signaling ongoing franchise strength in key lending and funding areas. Ally Financial’s Car Loans Jump 21%, Beating Analysts’ Estimates Neutral Sentiment: The company announced a quarterly dividend of $0.30 per share, which supports the shareholder return profile but is unlikely to be the main driver of the stock’s move. Ally Financial reports second quarter 2026 financial results Negative Sentiment: Adjusted EPS of $1.21 missed consensus by a penny, and investors are also focusing on higher provisions and expenses that pressured profitability. Ally Financial Q2 2026 earnings miss analyst estimates Negative Sentiment: Coverage also highlighted stubborn auto delinquencies and concerns about credit risk and capital management, which may limit near-term upside. Ally grows despite stubbornly high auto delinquencies Ally Financial Trading Up 0.4% Shares of Ally Financial stock opened at $44.63 on Thursday. The company’s fifty day simple moving average is $44.25 and its 200-day simple moving average is $42.63. The stock has a market capitalization of $13.68 billion, a PE ratio of 10.53, a P/E/G ratio of 0.25 and a beta of 1.09. Ally Financial Inc. has a 1-year low of $35.92 and a 1-year high of $47.29. The company has a debt-to-equity ratio of 1.26, a current ratio of 0.92 and a quick ratio of 0.93.

Ally Financial (NYSE:ALLY – Get Free Report) last announced its earnings results on Tuesday, July 21st. The financial services provider reported $1.21 EPS for the quarter, missing analysts’ consensus estimates of $1.22 by ($0.01). The company had revenue of $2.28 billion during the quarter, compared to the consensus estimate of $2.22 billion. Ally Financial had a return on equity of 11.75% and a net margin of 16.75%.Ally Financial’s revenue for the quarter was up 9.8% compared to the same quarter last year. During the same period in the prior year, the business posted $0.99 earnings per share. As a group, equities analysts anticipate that Ally Financial Inc. will post 5.32 earnings per share for the current year.

Ally Financial Dividend Announcement The business also recently declared a quarterly dividend, which will be paid on Friday, August 14th. Shareholders of record on Friday, July 31st will be given a $0.30 dividend. The ex-dividend date is Friday, July 31st. This represents a $1.20 dividend on an annualized basis and a yield of 2.7%. Ally Financial’s dividend payout ratio is presently 29.27%.

Wall Street Analysts Forecast Growth ALLY has been the subject of a number of research reports. Bank of America boosted their target price on shares of Ally Financial from $52.00 to $53.00 and gave the company a “buy” rating in a research note on Wednesday, July 8th. Truist Financial set a $54.00 price objective on Ally Financial in a report on Tuesday, April 21st. Wall Street Zen cut Ally Financial from a “buy” rating to a “hold” rating in a research report on Monday, June 8th. Barclays increased their target price on Ally Financial from $54.00 to $56.00 and gave the company an “equal weight” rating in a report on Monday, April 20th. Finally, Evercore reissued an “outperform” rating and issued a $54.00 target price on shares of Ally Financial in a research report on Tuesday, April 21st. Fourteen research analysts have rated the stock with a Buy rating and two have assigned a Hold rating to the stock. According to data from MarketBeat.com, Ally Financial currently has an average rating of “Moderate Buy” and an average price target of $53.86.

Get Our Latest Report on ALLY

Insider Activity at Ally Financial In other news, insider Stephanie N. Richard sold 5,000 shares of the firm’s stock in a transaction dated Friday, May 15th. The stock was sold at an average price of $42.14, for a total value of $210,700.00. Following the transaction, the insider owned 93,927 shares of the company’s stock, valued at $3,958,083.78. This trade represents a 5.05% decrease in their ownership of the stock. The transaction was disclosed in a filing with the Securities & Exchange Commission, which is available through this hyperlink. 0.46% of the stock is owned by company insiders.

Ally Financial Company Profile (Free Report)

Ally Financial Inc is a leading digital financial services company headquartered in Detroit, Michigan. The company offers a comprehensive suite of banking, lending, and insurance products designed for retail and commercial customers. Through its online-only platform, Ally Bank provides checking and savings accounts, certificates of deposit, money market accounts, and home mortgages, emphasizing competitive rates and user-friendly mobile and web experiences.

In addition to its banking operations, Ally Financial is a major player in automotive financing and leasing.

See Also Five stocks we like better than Ally Financial Could Truth API Become Trump Media’s First Meaningful Revenue Driver? Small Caps Are Crushing the S&P 500—3 Stocks Still Worth Buying Moog Is More Than a Missile Maker, and Wall Street Is Noticing A Boring Dividend Growth Strategy Becomes a Solid Defensive Play Want to see what other hedge funds are holding ALLY? Visit HoldingsChannel.com to get the latest 13F filings and insider trades for Ally Financial Inc. (NYSE:ALLY – Free Report).

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Ally Financial Inc. (ALLY) Q2 2026 Earnings Call Transcript

Ally Financial remains a 'hold' as credit risk and aggressive capital management constrain valuation despite stable credit trends and solid loan growth. Q2 EPS missed by a penny, with revenue up 10% and net interest margin rising to 3.63%, but charge-offs and delinquencies indicate stabilization rather than improvement. ALLY benefits from Fed rate cuts due to its fixed-rate loan book and floating deposit base but faces NIM pressure if rate hikes resume.

For the quarter ended June 2026, Ally Financial (ALLY - Free Report) reported revenue of $2.29 billion, up 9.8% over the same period last year. EPS came in at $1.21, compared to $0.99 in the year-ago quarter.

The reported revenue compares to the Zacks Consensus Estimate of $2.21 billion, representing a surprise of +3.44%. The company delivered an EPS surprise of -3.2%, with the consensus EPS estimate being $1.25.

While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.

As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.

Here is how Ally Financial performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:

Net charge-offs to average finance receivables and loans outstanding: 1.1% versus 1.1% estimated by two analysts on average.Net interest margin (as reported): 3.6% versus 3.6% estimated by two analysts on average.Book value per share: $44.38 compared to the $44.57 average estimate based on two analysts.Total interest-earning assets (Average Balances): $188.42 billion compared to the $188.61 billion average estimate based on two analysts.Efficiency Ratio: 57.7% versus the two-analyst average estimate of 53.6%.Net financing revenue: $1.68 billion compared to the $1.67 billion average estimate based on two analysts. The reported number represents a change of +11.1% year over year.Insurance premiums and service revenue earned: $368 million compared to the $367.83 million average estimate based on two analysts. The reported number represents a change of +2.5% year over year.Total other revenue: $602 million versus $554.76 million estimated by two analysts on average. Compared to the year-ago quarter, this number represents a +6.4% change.View all Key Company Metrics for Ally Financial here>>>

Shares of Ally Financial have returned -0.1% over the past month versus the Zacks S&P 500 composite's -0.6% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.

, /PRNewswire/ -- Ally Financial Inc. (NYSE: ALLY) today reported its second quarter 2026 results. View full press release in PDF.

The news release, presentation and financial supplement can be accessed in the following ways:

Ally Financial Press Room at https://media.ally.com Ally Financial Investor Relations website at https://ally.com/about/investor/ Ally will host a conference call at 9 a.m. ET to review the company's performance. The call will include a review of the results, followed by a question and answer session.

Conference Call Information: Conference call participation is available via webcast or dial-in. The webcast will be live on Ally's Investor Relations website in the Events & Presentations section (https://www.ally.com/about/investor/events-presentations/index.html).

To join the conference via dial-in, please pre-register via the following link at least 15 minutes before the call begins: https://register-conf.media-server.com/register/BIe8c04604b04f45b8bfc92dc71d60682f. Upon registration, you will be provided with the conference dial-in number as well as a unique registrant ID.

A replay of the call will be available via webcast on the Ally Investor Relations website.

About Ally Financial
Ally Financial Inc. (NYSE: ALLY) includes the nation's largest all-digital bank and auto finance business, driven by a mission to "Do It Right" for its customers and communities. Ally is a U.S. financial holding company with $200 billion in assets and 9.6 million customers (June 30, 2026). Ally Bank, Member FDIC, offers online banking products, including high-yield savings and no hidden fee checking, and was the first major U.S. bank to eliminate overdraft fees. Ally also provides investing solutions through Ally Invest, including online brokerage, automated investing, IRAs and personal advice. As a leader in auto finance, Ally provides consumer and dealer financing, insurance, and vehicle remarketing services. Ally's seasoned corporate finance business provides capital to equity sponsors and middle-market companies. Visit ally.com.

Contacts:

Sean Leary
Ally Investor Relations
704-444-4830
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Peter Gilchrist
Ally Communications (Media)
704-644-6299
[email protected]

SOURCE Ally Financial

Ally Financial Inc. (NYSE:ALLY) will release its second quarter earnings report before the opening bell on Tuesday, July 21.

Analysts expect the Detroit, Michigan-based company to report quarterly earnings of $1.23 per share, up from 99 cents per share in the year-ago period. The consensus estimate for Ally Financial’s quarterly revenue is $2.22 billion. It reported $2.08 billion last year, according to Benzinga Pro.

On July 13, Ally Financial named Mark Mathewson as chief information and data officer.

Shares of Ally Financial fell 2.5% to close at $45.64 on Friday.

Benzinga readers can access the latest analyst ratings on the Analyst Stock Ratings page. Readers can sort by stock ticker, company name, analyst firm, rating change or other variables.

Let’s have a look at how Benzinga’s most-accurate analysts have rated the company in the recent period.

Considering buying ALLY stock? Here’s what analysts think:

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If you are looking for a stock that has a solid history of beating earnings estimates and is in a good position to maintain the trend in its next quarterly report, you should consider Ally Financial (ALLY - Free Report) . This company, which is in the Zacks Financial - Consumer Loans industry, shows potential for another earnings beat.

This auto finance company and bank has seen a nice streak of beating earnings estimates, especially when looking at the previous two reports. The average surprise for the last two quarters was 13.64%.

For the last reported quarter, Ally Financial came out with earnings of $1.11 per share versus the Zacks Consensus Estimate of $0.93 per share, representing a surprise of 19.35%. For the previous quarter, the company was expected to post earnings of $1.01 per share and it actually produced earnings of $1.09 per share, delivering a surprise of 7.92%.

Price and EPS Surprise

With this earnings history in mind, recent estimates have been moving higher for Ally Financial. In fact, the Zacks Earnings ESP (Expected Surprise Prediction) for the company is positive, which is a great sign of an earnings beat, especially when you combine this metric with its nice Zacks Rank.

Our research shows that stocks with the combination of a positive Earnings ESP and a Zacks Rank #3 (Hold) or better produce a positive surprise nearly 70% of the time. In other words, if you have 10 stocks with this combination, the number of stocks that beat the consensus estimate could be as high as seven.

The Zacks Earnings ESP compares the Most Accurate Estimate to the Zacks Consensus Estimate for the quarter; the Most Accurate Estimate is a version of the Zacks Consensus whose definition is related to change. The idea here is that analysts revising their estimates right before an earnings release have the latest information, which could potentially be more accurate than what they and others contributing to the consensus had predicted earlier.

Ally Financial currently has an Earnings ESP of +0.05%, which suggests that analysts have recently become bullish on the company's earnings prospects. This positive Earnings ESP when combined with the stock's Zacks Rank #3 (Hold) indicates that another beat is possibly around the corner. We expect the company's next earnings report to be released on July 21, 2026.

Investors should note, however, that a negative Earnings ESP reading is not indicative of an earnings miss, but a negative value does reduce the predictive power of this metric.

Many companies end up beating the consensus EPS estimate, but that may not be the sole basis for their stocks moving higher. On the other hand, some stocks may hold their ground even if they end up missing the consensus estimate.

Because of this, it's really important to check a company's Earnings ESP ahead of its quarterly release to increase the odds of success. Make sure to utilize our Earnings ESP Filter to uncover the best stocks to buy or sell before they've reported.