Sean Leary Named Head of Consumer Servicing Operations for the Auto Finance Business
, /PRNewswire/ -- Ally Financial Inc. (NYSE: ALLY) today announced that Sean Leary has been named Head of Consumer Servicing Operations for the Auto Finance business. In this critical, enterprise-focused role, Leary will report to Doug Timmerman, President of Dealer Financial Services.
Leary most recently served as Ally's Chief Financial Planning and Investor Relations Officer, where he led corporate financial planning and analysis, line-of-business finance activities, procurement and investor relations, where he was responsible for Ally's engagement with the investor and analyst community. Since joining Ally in 2008, he has developed broad expertise across finance, balance sheet management, capital management, and procurement. Leary brings a strong track record of enterprise leadership, financial discipline, and broad business acumen developed over his tenure at Ally.
Investor Relations will be led by Dan Ignacio, Executive Director of Investor Relations & Corporate FP&A, reporting to Russ Hutchinson, Chief Financial Officer. Ignacio has spent more than 11 years at Ally, entirely within the CFO Group, including two separate stints in Investor Relations as well as in roles across Auto and Corporate FP&A.
"I've worked closely with Sean throughout my time in the CFO organization and have great respect for how he leads – with discipline, partnership, and genuine care for the people around him," said Russ Hutchinson, Chief Financial Officer. "Beyond his financial expertise, Sean has been a strong contributor to Ally's culture and to developing the next generation of talent in our organization. I look forward to seeing him bring that same leadership to this new role in dealer financial services. He leaves Investor Relations in excellent hands with Dan, who leads a strong, experienced team well-positioned to continue delivering for our investors and the analyst community."
Leary will transition to the new role over the next few weeks.
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:
Dan Ignacio
Ally Investor Relations
704-444-5107
[email protected]
Peter Gilchrist
Ally Communications (Media)
704-644-6299
[email protected]
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).
Receive News & Ratings for Ally Financial Daily - Enter your email address below to receive a concise daily summary of the latest news and analysts' ratings for Ally Financial and related companies with MarketBeat.com's FREE daily email newsletter.
« PREVIOUS HEADLINENational Fuel Gas Company $NFG Shares Bought by California Public Employees Retirement System
NEXT HEADLINE »Dimensional Fund Advisors LP Acquires 21,666 Shares of NRG Energy, Inc. $NRG
Key Takeaways Ally Financial's Q2 adjusted earnings per share missed estimates despite rising 22% year over year.Higher expenses and credit-loss provisions weighed on results despite stronger financing revenues.Loans, deposits and net interest margin increased, and non-performing loans declined. Shares of Ally Financial (ALLY - Free Report) lost 2.4% during yesterday’s trading session after reporting lower-than-expected results. The company’s second-quarter 2026 adjusted earnings of $1.21 per share lagged the Zacks Consensus Estimate of $1.25. However, the bottom line reflected a 22% jump from the year-ago quarter.
Results were primarily hampered by higher expenses and provisions. However, growth in net financing revenues and other revenues, an increase in loan balances and an improvement in net interest margin (NIM) offered support to some extent.
After considering non-recurring items, net income attributable to common shareholders (GAAP basis) was $367 million, up 13.3% from the prior-year quarter.
Ally Financial’s Revenues Improve, Expenses RiseTotal quarterly GAAP net revenues were $2.29 billion, up 9.8% from the prior-year quarter. Also, the top line beat the Zacks Consensus Estimate of $2.21 billion. Adjusted total revenues were $2.28 billion, up 10.3% year over year.
Net financing revenues grew 11.1% year over year to $1.68 billion. The rise was primarily driven by growth in retail and commercial auto assets. NIM (excluding OID) was 3.63%, up 18 basis points year over year.
Total other revenues were $602 million, up 6.4% from $566 million in the prior-year quarter. Adjusted other revenues were $573 million, up 7.9% year over year, driven by momentum across diversified revenue streams, including Insurance, SmartAuction and Passthrough programs.
Total non-interest expenses increased 4.5% to $1.32 billion from $1.26 billion in the prior-year quarter. The rise reflected higher compensation and benefits, insurance losses and other operating expenses.
The adjusted efficiency ratio was 48.7%, down from 50.9% in the year-ago period. A fall in the efficiency ratio indicates an improvement in profitability.
ALLY’s Loans & Deposit Balances RiseAs of June 30, 2026, total finance receivables and loans, net of allowance, amounted to $140.1 billion, up 2.7% sequentially.
Deposits also increased marginally on a sequential basis to $154.1 billion.
Ally Financial’s Credit Quality: Mixed BagNon-performing loans were $1.23 billion as of June 30, 2026, down 9.8% year over year.
In the reported quarter, Ally Financial recorded net charge-offs of $394 million, up 7.7% from the prior-year quarter.
Provision for credit losses increased 12% year over year to $430 million. The rise reflected a CECL reserve build related to asset growth, partly offset by continued improvement in credit trends.
Capital Ratios of ALLY ImproveAs of June 30, 2026, the total capital ratio was 13.2%, unchanged from the prior-year period. The tier 1 capital ratio was 11.4%, also unchanged year over year.
The common equity tier 1 (CET1) capital ratio increased to 10.1% from 9.9% in the prior-year period. The tangible common equity-to-tangible assets ratio was 6.7%.
Update on ALLY’s Share RepurchasesDuring the quarter, the company repurchased $148 million worth of shares.
Our View on Ally FinancialALLY’s strong growth in core revenues, improving efficiency and solid loan originations reflect the benefits of its focused strategy and balance sheet repositioning efforts. The company’s expanding deposit base will likely support profitability. However, elevated provisions for credit losses, an uncertain credit environment and a mounting expense base may act as near-term headwinds.
Currently, Ally Financial carries a Zacks Rank #3 (Hold). You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.
Earnings Dates & Expectations of ALLY's PeersHere are some of Ally Financial’s peers that are yet to come out with quarterly numbers.
OneMain Holdings (OMF - Free Report) is slated to announce second-quarter 2026 numbers on July 29.
In the past week, the Zacks Consensus Estimate for OneMain’s quarterly earnings has remained unchanged at $1.40. This implies a 3.5% decrease from the prior-year reported number.
Navient (NAVI - Free Report) is scheduled to announce quarterly numbers on Aug. 6.
In the past seven days, the Zacks Consensus Estimate for Navient’s quarterly earnings has remained unchanged at 19 cents. This indicates a 9.5% decline from the prior-year reported number.
Analyst’s Disclosure: I/we have no stock, option or similar derivative position in any of the companies mentioned, and no plans to initiate any such positions within the next 72 hours. 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.
Please do your own due diligence and consult with your financial advisor, if you have one, before making any investment decisions. The author is not acting in an investment adviser capacity. The author's opinions expressed herein address only select aspects of potential investment in securities of the companies mentioned and cannot be a substitute for comprehensive investment analysis. The author recommends that potential and existing investors conduct thorough investment research of their own, including a detailed review of the companies' SEC filings. Any opinions or estimates constitute the author's best judgment as of the date of publication and are subject to change without notice.
Seeking Alpha's Disclosure: Past performance is no guarantee of future results. No recommendation or advice is being given as to whether any investment is suitable for a particular investor. Any views or opinions expressed above may not reflect those of Seeking Alpha as a whole. Seeking Alpha is not a licensed securities dealer, broker or US investment adviser or investment bank. Our analysts are third party authors that include both professional investors and individual investors who may not be licensed or certified by any institute or regulatory body.
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.
Ally Financial (ALLY - Free Report) came out with quarterly earnings of $1.21 per share, missing the Zacks Consensus Estimate of $1.25 per share. This compares to earnings of $0.99 per share a year ago. These figures are adjusted for non-recurring items.
This quarterly report represents an earnings surprise of -3.20%. A quarter ago, it was expected that this auto finance company and bank would post earnings of $0.93 per share when it actually produced earnings of $1.11, delivering a surprise of +19.35%.
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 $2.29 billion for the quarter ended June 2026, surpassing the Zacks Consensus Estimate by 3.44%. This compares to year-ago revenues of $2.08 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 added about 0.5% since the beginning of the year versus the S&P 500's gain of 8.7%.
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 mixed. 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 #3 (Hold) for the stock. So, the shares are expected to perform in line with 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 $1.46 on $2.3 billion in revenues for the coming quarter and $5.32 on $8.84 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 35% 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.
One other stock from the same industry, Navient (NAVI - Free Report) , is yet to report results for the quarter ended June 2026. The results are expected to be released on August 6.
This student loan servicing company is expected to post quarterly earnings of $0.19 per share in its upcoming report, which represents a year-over-year change of -9.5%. The consensus EPS estimate for the quarter has been revised 18.2% lower over the last 30 days to the current level.
Navient's revenues are expected to be $129.07 million, down 1.5% from the year-ago quarter.
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.
MarketBeat Week in Review – 05/11 - 05/15Ally Financial NYSE: ALLY reported higher second-quarter 2026 earnings and revenue, with management pointing to expanding margins, growth in retail auto and corporate finance assets, and stronger capital flexibility as evidence that its strategic repositioning is gaining traction.
Chief Executive Officer Michael Rhodes said the company’s “strategic choices” are creating “a franchise with meaningfully greater earnings power,” citing margin expansion, operating performance and increased capital returns. For the quarter, Ally reported adjusted earnings per share of $1.21, up 22% from a year earlier, while core return on tangible common equity rose to 11.8%.
Get Ally Financial alerts:
Ally Financial Is Back to Basics—And Investors Are WatchingAdjusted net revenue was $2.3 billion, up 10% year over year. Net interest margin, excluding original issue discount, improved 11 basis points sequentially to 3.63%. Rhodes said retail auto and corporate finance assets grew nearly $8 billion from the prior year, an 8% increase.
Auto Finance Originations Rise as Applications Hit Record Ally’s Dealer Financial Services segment continued to be a major driver of growth. Rhodes said auto finance applications reached a record 4.6 million, up 17% year over year, supporting $13.3 billion of originations, a 21% increase from the prior-year period.
Top 5 MarketRank™ Stocks Backed by Analysts and Big InstitutionsThe company said retail origination yield was 9.1%, with 47% of originations in the S tier. Chief Financial Officer Russ Hutchinson said the higher S-tier mix reflected normal seasonal trends, a measured credit posture and a higher-quality application mix. He cautioned analysts not to read too much into a single quarter’s mix, noting that Ally expects S-tier originations to decline modestly from second-quarter levels and settle in the low- to mid-40% range over time.
Hutchinson said approval and pull-through rates remained consistent with prior quarters, while stronger application volume widened the “top of the funnel” and gave Ally more opportunities for accretive growth. He said the company expects year-over-year growth rates in auto originations to moderate in the second half of the year.
In response to analyst questions about credit trends, Hutchinson said Ally was pleased with first-half retail auto credit performance, supported by low flow-to-loss rates and used vehicle prices. However, he said delinquencies remain “stubbornly high,” and management continues to monitor affordability pressures, gas prices, used values and flow-to-loss rates.
Retail auto net charge-offs were 157 basis points, down 40 basis points from the prior quarter and down 18 basis points year over year, marking a sixth consecutive quarter of year-over-year improvement. Thirty-plus day all-in delinquencies were 4.8%, down eight basis points from a year earlier.
Deposit Costs Help Drive Margin Expansion Hutchinson said net financing revenue, excluding original issue discount, was $1.7 billion, up 11% year over year, supported by balance sheet growth in core portfolios and lower funding costs. Adjusted other revenue rose $42 million year over year to $573 million, with contributions from insurance, SmartAuction and pass-through programs.
On the funding side, Ally said cost of funds fell 12 basis points from the prior quarter, driven by disciplined deposit pricing actions. Retail deposit balances ended the period at $144 billion, down $2.6 billion sequentially due to seasonal tax outflows, but deposits represented 87% of total funding.
The company said it now serves 3.6 million digital bank customers, up 7% year over year, marking its 69th consecutive quarter of customer growth. Rhodes said nearly 70% of new accounts come from millennials and younger consumers, typically starting with average balances just under $10,000 and growing over time.
Hutchinson said Ally reduced liquid deposit pricing by 20 basis points during the quarter and reached a cumulative liquid deposit beta of 69%. He said the company still expects to achieve a sustainable net interest margin in the “upper threes” over time, supported by accretive asset growth and efficient funding sources.
Corporate Finance Delivers Record Pre-Tax Income Ally’s Corporate Finance business delivered record pre-tax earnings and a 32% return on equity. Rhodes said the portfolio ended the quarter at $13.7 billion, up 25% from the prior year, supported by strong client demand and disciplined growth.
Hutchinson said credit in the Corporate Finance portfolio remained strong, with non-accrual loans at historic lows. During the quarter, Ally resolved a corporate finance exposure that had been in non-accrual status since 2018. The company recorded a profit-and-loss benefit because specific reserves exceeded the loss on the exposure.
Asked about the credit, Hutchinson said the loan was made in 2015 in a vertical where Ally no longer operates. Rhodes added that the company does not have additional loans like that in the portfolio and said the handling of the loan showed the team’s effectiveness in working out credits and its conservative reserving approach.
Insurance also contributed to diversified revenue. Written premiums were $382 million, up 9% year over year, while core pre-tax income was $24 million, up $26 million from the prior year.
Capital Returns Continue as CET1 Improves Ally’s common equity Tier 1 ratio was 10.1%, up about 20 basis points from a year earlier. Hutchinson said the company completed its fifth credit risk transfer transaction during the quarter, generating about 20 basis points of CET1 at execution.
The company also issued $1 billion of preferred stock at a 7.1% coupon and used the proceeds to support redemption of its Series B preferred stock ahead of its reset. Ally executed $148 million of share repurchases during the quarter and said it has repurchased nearly $300 million of shares year to date. It also announced a third-quarter dividend of $0.30 per share, consistent with the prior quarter.
Hutchinson said Ally is positioned to pursue what he described as a story of “and, not or” — supporting growth in core portfolios while also returning capital to shareholders. He said share repurchases are effectively a “plug” after the company funds accretive business growth and dividends.
Guidance Updated for Asset Growth and Credit Ally updated parts of its 2026 outlook. The company now expects average earning assets to rise 3% to 5%, compared with a prior outlook of 2% to 4%, reflecting stronger consumer auto originations and continued momentum in Corporate Finance.
The company tightened its consolidated net charge-off outlook to 1.2% to 1.3%, compared with the earlier range of 1.2% to 1.4%. Hutchinson said Ally remains comfortable with the midpoint of its retail auto net charge-off guide of 1.8% to 2%.
Ally maintained its full-year net interest margin guidance of 3.6% to 3.7%, with the potential to exit the year above the high end of the range. Hutchinson said the timing and magnitude of potential rate actions could influence margin in a given period, but management remains confident in the full-year guide.
Rhodes closed the call by saying the quarter showed progress on Ally’s stated path to higher returns, including lower auto losses, higher net interest margin, and disciplined expense and capital management. “This is a fundamentally different Ally,” he said, adding that the company sees a path to continued improvement.
About Ally Financial (NYSE:ALLY)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.
This instant news alert was generated by narrative science technology and financial data from MarketBeat in order to provide readers with the fastest reporting and unbiased coverage. Please send any questions or comments about this story to [email protected].
Should You Invest $1,000 in Ally Financial Right Now?Before you consider Ally Financial, you'll want to hear this.
MarketBeat keeps track of Wall Street's top-rated and best performing research analysts and the stocks they recommend to their clients on a daily basis. MarketBeat has identified the five stocks that top analysts are quietly whispering to their clients to buy now before the broader market catches on... and Ally Financial wasn't on the list.
While Ally Financial currently has a Moderate Buy rating among analysts, top-rated analysts believe these five stocks are better buys.
View The Five Stocks Here
The AI boom is creating opportunities across semiconductors, cloud computing, enterprise software, infrastructure, cybersecurity, and automation.
Inside this report, you’ll find 10 companies positioned to benefit as artificial intelligence moves from hype to real-world deployment and becomes a core growth driver for corporate America.
, /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
[email protected]
Peter Gilchrist
Ally Communications (Media)
704-644-6299
[email protected]
, /PRNewswire/ -- The board of directors of Ally Financial Inc. (NYSE: ALLY) declared a quarterly cash dividend of $0.30 per share of the company's common stock, payable on August 14, 2026, to shareholders of record on July 31, 2026, as well as quarterly dividend payments for the company's Series C and Series D preferred stock securities, payable on August 15, 2026.
A quarterly dividend payment was declared on Ally's 4.700% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series C, of approximately $11.8 million, or $11.75 per share, and is payable to shareholders of record as of July 31, 2026. Additionally, a dividend payment was declared on Ally's 7.100% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series D, of approximately $20.5 million, or $20.51 per share, and is payable to shareholders of record as of July 31, 2026.
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 $197 billion in assets and 9.5 million customers (March 31, 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
[email protected]
Peter Gilchrist
Ally Communications (Media)
704-644-6299
[email protected]
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:
Photo via Shutterstock
Market News and Data brought to you by Benzinga APIs
Wall Street analysts expect Ally Financial (ALLY - Free Report) to post quarterly earnings of $1.24 per share in its upcoming report, which indicates a year-over-year increase of 25.3%. Revenues are expected to be $2.21 billion, up 6.2% from the year-ago quarter.
The consensus EPS estimate for the quarter has remained unchanged over the last 30 days. This reflects how the analysts covering the stock have collectively reevaluated their initial estimates during this timeframe.
Prior to a company's earnings release, it is of utmost importance to factor in any revisions made to the earnings projections. These revisions serve as a critical gauge for predicting potential investor behaviors with respect to the stock. Empirical studies consistently reveal a strong link between trends in earnings estimate revisions and the short-term price performance of a stock.
While investors typically use consensus earnings and revenue estimates as a yardstick to evaluate the company's quarterly performance, scrutinizing analysts' projections for some of the company's key metrics can offer a more comprehensive perspective.
With that in mind, let's delve into the average projections of some Ally Financial metrics that are commonly tracked and projected by analysts on Wall Street.
The average prediction of analysts places 'Net financing revenue' at $1.66 billion. The estimate indicates a year-over-year change of +9.2%.
Analysts predict that the 'Insurance premiums and service revenue earned' will reach $366.72 million. The estimate indicates a year-over-year change of +2.2%.
Analysts expect 'Total other revenue' to come in at $553.60 million. The estimate indicates a year-over-year change of -2.2%.
The consensus estimate for 'Net interest margin (as reported)' stands at 3.5%. Compared to the present estimate, the company reported 3.4% in the same quarter last year.
Analysts forecast 'Book value per share' to reach $44.56 . The estimate is in contrast to the year-ago figure of $39.71 .
Analysts' assessment points toward 'Total interest-earning assets (Average Balances)' reaching $188.16 billion. The estimate is in contrast to the year-ago figure of $178.06 billion.
The collective assessment of analysts points to an estimated 'Efficiency Ratio' of 53.7%. Compared to the present estimate, the company reported 60.6% in the same quarter last year.
View all Key Company Metrics for Ally Financial here>>>
Shares of Ally Financial have experienced a change of +1.9% in the past month compared to the +0.5% move of the Zacks S&P 500 composite. With a Zacks Rank #3 (Hold), ALLY is expected to mirror the overall market performance in the near future. You can see the complete list of today's Zacks Rank #1 (Strong Buy) stocks here >>>> .
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.
Wall Street expects a year-over-year increase in earnings on higher revenues when Ally Financial (ALLY - Free Report) reports results for the quarter ended June 2026. While this widely-known consensus outlook is important in gauging the company's earnings picture, a powerful factor that could impact its near-term stock price is how the actual results compare to these estimates.
The stock might move higher if these key numbers top expectations in the upcoming earnings report, which is expected to be released on July 21. On the other hand, if they miss, the stock may move lower.
While the sustainability of the immediate price change and future earnings expectations will mostly depend on management's discussion of business conditions on the earnings call, it's worth handicapping the probability of a positive EPS surprise.
Zacks Consensus EstimateThis auto finance company and bank is expected to post quarterly earnings of $1.27 per share in its upcoming report, which represents a year-over-year change of +28.3%.
Revenues are expected to be $2.23 billion, up 6.9% from the year-ago quarter.
Estimate Revisions TrendThe consensus EPS estimate for the quarter has been revised 0.55% higher over the last 30 days to the current level. This is essentially a reflection of how the covering analysts have collectively reassessed their initial estimates over this period.
Investors should keep in mind that an aggregate change may not always reflect the direction of estimate revisions by each of the covering analysts.
Price, Consensus and EPS Surprise
Earnings WhisperEstimate revisions ahead of a company's earnings release offer clues to the business conditions for the period whose results are coming out. Our proprietary surprise prediction model -- the Zacks Earnings ESP (Expected Surprise Prediction) -- has this insight at its core.
The Zacks Earnings ESP compares the Most Accurate Estimate to the Zacks Consensus Estimate for the quarter; the Most Accurate Estimate is a more recent version of the Zacks Consensus EPS estimate. 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.
Thus, a positive or negative Earnings ESP reading theoretically indicates the likely deviation of the actual earnings from the consensus estimate. However, the model's predictive power is significant for positive ESP readings only.
A positive Earnings ESP is a strong predictor of an earnings beat, particularly when combined with a Zacks Rank #1 (Strong Buy), 2 (Buy) or 3 (Hold). Our research shows that stocks with this combination produce a positive surprise nearly 70% of the time, and a solid Zacks Rank actually increases the predictive power of Earnings ESP.
Please note that a negative Earnings ESP reading is not indicative of an earnings miss. Our research shows that it is difficult to predict an earnings beat with any degree of confidence for stocks with negative Earnings ESP readings and/or Zacks Rank of 4 (Sell) or 5 (Strong Sell).
How Have the Numbers Shaped Up for Ally Financial?For Ally Financial, the Most Accurate Estimate is lower than the Zacks Consensus Estimate, suggesting that analysts have recently become bearish on the company's earnings prospects. This has resulted in an Earnings ESP of -2.41%.
On the other hand, the stock currently carries a Zacks Rank of #3.
So, this combination makes it difficult to conclusively predict that Ally Financial will beat the consensus EPS estimate.
Does Earnings Surprise History Hold Any Clue?Analysts often consider to what extent a company has been able to match consensus estimates in the past while calculating their estimates for its future earnings. So, it's worth taking a look at the surprise history for gauging its influence on the upcoming number.
For the last reported quarter, it was expected that Ally Financial would post earnings of $0.93 per share when it actually produced earnings of $1.11, delivering a surprise of +19.35%.
Over the last four quarters, the company has beaten consensus EPS estimates four times.
Bottom LineAn earnings beat or miss may not be the sole basis for a stock moving higher or lower. Many stocks end up losing ground despite an earnings beat due to other factors that disappoint investors. Similarly, unforeseen catalysts help a number of stocks gain despite an earnings miss.
That said, betting on stocks that are expected to beat earnings expectations does increase the odds of success. This is why it's worth checking a company's Earnings ESP and Zacks Rank ahead of its quarterly release. Make sure to utilize our Earnings ESP Filter to uncover the best stocks to buy or sell before they've reported.
Ally Financial doesn't appear a compelling earnings-beat candidate. However, investors should pay attention to other factors too for betting on this stock or staying away from it ahead of its earnings release.
Stay on top of upcoming earnings announcements with the Zacks Earnings Calendar.
Seasoned technology executive brings 25+ years of financial services expertise and a proven track record of building and scaling high-performing organizations
, /PRNewswire/ -- Ally Financial (NYSE: ALLY) today announced the appointment of Mark Mathewson as Chief Information and Data Officer (CIDO), effective July 20, 2026. In this role, Mathewson will lead the company's technology and data organization across all functions and lines of business, advancing Ally's technology and data capabilities and driving the next phase of technology transformation for the nation's largest all-digital bank and leading auto lender.
Mark Mathewson Mathewson brings more than 25 years of technology leadership experience to the role, most recently serving as the divisional chief information officer for Capital One's retail banking and commercial banking units, where he oversaw technology teams across the United States, Mexico and India to deliver innovative technology solutions for consumers. Over the course of his 12-year tenure at Capital One, Mathewson rose through the ranks from Vice President to Managing Vice President, Senior Vice President, and Executive Vice President — a trajectory that reflects both his technical acumen and his ability to lead at scale.
"Mark is an incredibly respected technology leader in financial services, someone who blends the rigor and discipline that our industry demands with the curiosity and ambition that drives meaningful innovation," said Michael Rhodes, chief executive officer of Ally Financial. "We were drawn to Mark's deep roots in financial services and an extraordinary ability to develop talent that will create the future of AI-driven technological transformation. We are confident Mark will be a catalyst who anticipates the rapidly changing customer expectations to deliver the solutions necessary for Ally to compete and win with best-in-class digital experiences, enabled by leading technology."
Prior to Capital One, Mathewson spent 12 years at Fannie Mae, where he advanced through a series of increasingly senior roles spanning application development, IT governance and project portfolio management. He also led the technology organizations for the capital markets and customer engagement teams. Earlier in his career, he served in technology consulting at Deloitte and held a role at early-stage technology startup admine.com.
"Ally has built something genuinely rare in financial services, driven by a relentless customer obsession and commitment to developing technology solutions that solve real pain points in banking – a mindset I share," said Mathewson. "I'm thrilled to be joining the team and working with one of the best technology organizations in the business to shape the future, together."
Mathewson earned a bachelor's of business administration in computer information systems from James Madison University and an MBA from Georgetown University.
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 top-25 U.S. financial holding company with $197 billion in assets and 9.5 million customers (March 31, 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
[email protected]
Peter Gilchrist
Ally Communications (Media)
704-644-6299
[email protected]
It doesn't matter your age or experience: taking full advantage of the stock market and investing with confidence are common goals for all investors. Luckily, Zacks Premium offers several different ways to do both.
The popular research service can help you become a smarter, more self-assured investor, giving you access to daily updates of the Zacks Rank and Zacks Industry Rank, the Zacks #1 Rank List, Equity Research reports, and Premium stock screens.
It also includes access to the Zacks Style Scores.
What are the Zacks Style Scores? Developed alongside the Zacks Rank, the Zacks Style Scores are a group of complementary indicators that help investors pick stocks with the best chances of beating the market over the next 30 days.
Each stock is given an alphabetic rating of A, B, C, D or F based on their value, growth, and momentum qualities. With this system, an A is better than a B, a B is better than a C, and so on, meaning the better the score, the better chance the stock will outperform.
The Style Scores are broken down into four categories:
Value ScoreFor value investors, it's all about finding good stocks at good prices, and discovering which companies are trading under their true value before the broader market catches on. The Value Style Score utilizes ratios like P/E, PEG, Price/Sales, Price/Cash Flow, and a host of other multiples to help pick out the most attractive and discounted stocks.
Growth ScoreGrowth investors are more concerned with a stock's future prospects, and the overall financial health and strength of a company. Thus, the Growth Style Score analyzes characteristics like projected and historic earnings, sales, and cash flow to find stocks that will see sustainable growth over time.
Momentum ScoreMomentum trading is all about taking advantage of upward or downward trends in a stock's price or earnings outlook, and these investors live by the saying "the trend is your friend." The Momentum Style Score can pinpoint good times to build a position in a stock, using factors like one-week price change and the monthly percentage change in earnings estimates.
VGM ScoreIf you like to use all three kinds of investing, then the VGM Score is for you. It's a combination of all Style Scores, and is an important indicator to use with the Zacks Rank. The VGM Score rates each stock on their shared weighted styles, narrowing down the companies with the most attractive value, best growth forecast, and most promising momentum.
How Style Scores Work with the Zacks Rank A proprietary stock-rating model, the Zacks Rank utilizes the power of earnings estimate revisions, or changes to a company's earnings outlook, to help investors create a successful portfolio.
Investors can count on the Zacks Rank's success, with #1 (Strong Buy) stocks producing an unmatched +23.94% average annual return since 1988, more than double the S&P 500's performance. But the model rates a large number of stocks, and there are over 200 companies with a Strong Buy rank, plus another 600 with a #2 (Buy) rank, on any given day.
This totals more than 800 top-rated stocks, and it can be overwhelming to try and pick the best stocks for you and your portfolio.
That's where the Style Scores come in.
You want to make sure you're buying stocks with the highest likelihood of success, and to do that, you'll need to pick stocks with a Zacks Rank #1 or #2 that also have Style Scores of A or B. If you like a stock that only has a #3 (Hold) rank, it should also have Scores of A or B to guarantee as much upside potential as possible.
The direction of a stock's earnings estimate revisions should always be a key factor when choosing which stocks to buy, since the Scores were created to work together with the Zacks Rank.
For instance, a stock with a #4 (Sell) or #5 (Strong Sell) rating, even one that boasts Scores of A and B, still has a downward-trending earnings forecast, and a much greater likelihood its share price will decline as well.
Thus, the more stocks you own with a #1 or #2 Rank and Scores of A or B, the better.
Stock to Watch: Ally Financial (ALLY - Free Report) Founded in 1919, Detroit, MI-based Ally Financial Inc. is a diversified financial services company providing several financial products and services to automotive dealers and their customers. It operates as a financial holding and a bank holding company. Ally Bank is an indirect, wholly-owned banking subsidiary of Ally Financial.
ALLY is a #3 (Hold) on the Zacks Rank, with a VGM Score of A.
It also boasts a Value Style Score of A thanks to attractive valuation metrics like a forward P/E ratio of 8.47; value investors should take notice.
Two analysts revised their earnings estimate upwards in the last 60 days for fiscal 2026. The Zacks Consensus Estimate has increased $0.03 to $5.33 per share. ALLY boasts an average earnings surprise of +17.6%.
With a solid Zacks Rank and top-tier Value and VGM Style Scores, ALLY should be on investors' short list.
Investors looking for a cheap stock with significant upside potential may want to consider Ally Financial (ALLY +1.42%). Ally is one of just a few dozen stocks in the Berkshire Hathaway portfolio, added several years ago by former CEO Warren Buffett. That says a lot right there.
Ally is also one of the first fully online banks, with its origins as General Motors' auto financing arm. While it is a full-service online bank, it is one of the largest auto loan lenders, and that segment of its business is the largest.
The stock has sputtered this year -- it's down 2.7% year to date and up about 9% over the past year. But it has a solid track record, averaging about 10.7% returns over the past 10 years.
But there are some strong reasons why Ally stock should be headed higher over the next year or so.
Image source: Getty Images.
Ally is seeing solid margin improvement Ally launched its "Focused. Forward" strategic plan in 2025, and the results of this effort to reduce complexity, refocus on core strengths, and enhance expense and capital discipline have started to pay off.
In the first quarter, Ally increased net financing revenue by 8% to $1.6 bilion and lowered noninterest expenses by 24%. That resulted in net income of $291 million, or $0.93 per share, up from a net loss of $253 million in Q1 of 2025.
Today's Change
(
1.42
%) $
0.63
Current Price
$
45.11
Further, its net interest margin (NIM) rose 17 basis points year over year to 3.5%. And management expects that to widen over the rest of the fiscal year. In its first-quarter guidance, Ally targeted a NIM of 3.6% to 3.7%, which would mark significant year-over-year growth from Q1.
This is due to several factors, including expense reduction and anticipated revenue gains. Ally had a record 4.4 million auto loan applications in Q1 and was selective, with originations of $11.5 billion, up 13% year over year. This resulted in improved credit quality, as net charge-off rates dropped year over year in Q1, and management expects them to move lower at the midpoint in 2026.
An underlying tailwind for Ally has been a boost in the average loan yield to 9.27%, up from 9.11% in the same quarter a year ago. Auto loan originations generated a robust 9.6% yield.
Looking forward, Ally should benefit from $18 billion in CDs maturing in 2026, management said on the Q1 earnings call. Those CDs carry a weighted average yield of close to 4%. So with deposit rates lower, Ally should be able to replace those higher-yield CDs with new, lower-rate funding.
In addition to this momentum, Ally stock is currently dirt cheap, trading at just 11 times earnings and 8 times forward earnings. That clearly makes it a good buy right now.
This post may contain links from our sponsors and affiliates, and Flywheel Publishing may receive compensation for actions taken through them.
Ally Bank’s Online Savings Account is one of the most widely used high yield savings accounts in the country. It offers no monthly maintenance fees, no minimum balance, a strong mobile app, and useful goal-organizing tools within a single account. The tradeoff: Ally has no branches and no easy way to deposit cash, so if either matters to you, it is the wrong bank.
Who Ally Is and Who It Serves Ally Financial (NYSE:ALLY | ALLY Price Prediction) is a publicly traded, FDIC insured bank that grew out of the old GMAC auto lending business and relaunched as a direct bank in 2009. It has never operated retail branches. The customer it serves is comfortable managing money on a phone or laptop, wants an account that keeps up with online rates without chasing promotions, and does not need a lobby. That describes a large slice of savers, which is why Ally has become a default recommendation in online banking.
The macro backdrop matters. The Federal Funds target rate upper bound sits at 3.75% as of July 8, 2026, after the Fed cut 75 basis points over the fall of 2025 and then held steady. Online savings yields follow that path with a lag, and Ally has historically tracked the rate environment closely rather than posting a headline number and letting it drift.
How the Savings Account Works The core account is a standard online savings account with FDIC insurance up to the standard federal limit per depositor, per ownership category. Interest compounds daily and is credited monthly. There is no minimum deposit to open, no ongoing minimum balance, and no monthly maintenance fee.
What sets Ally apart is a small set of built-in tools. Buckets let you carve one savings balance into up to ten labeled sub-goals (emergency fund, property tax, vacation, new roof) without opening separate accounts. The money earns the same rate across the whole balance. Boosters automates savings, while Surprise Savings analyzes your linked checking account and moves small amounts into savings on its own. Recurring transfers on any schedule are also standard.
Pair the savings account with Ally’s Spending Account (its interest-bearing checking product) and you unlock round-ups. Debit card purchases round up to the next dollar and the difference sweeps into savings. Together, these features replace the mental effort most people never actually spend on saving.
The Linked Checking Option Ally’s Spending Account is a no-fee, interest-bearing checking account with no minimum balance, mobile check deposit, free Allpoint ATM access nationwide, and reimbursement of out-of-network ATM fees. The interest rate on checking is modest and tiered by balance. The real reason to open it is friction: transfers between Ally checking and savings are instant, round-ups work only with an Ally debit card, and having both accounts under one login makes the buckets and boosters system more useful.
Fees, Fine Print, and What to Watch Ally’s fee schedule is one of the shortest in banking: no monthly fee, no overdraft fee on checking, no fee for standard transfers, no fee to close the account. Outgoing domestic wires, expedited debit card delivery, and expedited official check delivery carry fees. Ally has not reinstated a monthly withdrawal cap on savings accounts, though it reserves the right to. Interest is reported on a 1099-INT if it crosses the reporting threshold.
One advantage worth naming: Ally applies a single rate to your entire balance, so the rate you see is what every dollar in the account earns.
The Real Drawbacks Cash is the biggest one. There is no branch to walk into and no proprietary cash deposit network. If you regularly receive cash, you will need to convert it at another bank, buy a money order, or use a workaround. For cash-heavy earners, Ally is a poor fit.
The second is a lack of in-person help for complex problems. Phone and chat support are available around the clock and generally well reviewed, but a flagged wire, an estate account, or a stubborn dispute is easier to resolve at a branch. Ally also does not offer safe deposit boxes, notary services, or medallion signature guarantees.
Finally, real returns matter. With CPI running near the 90th percentile of its recent 12 month range and Core PCE still climbing month over month, an online savings account should roughly keep pace with inflation after tax, not build meaningful purchasing power. That is a feature of the category, not of Ally specifically.
How Ally Stacks Up Against Other Online Banks Judged on features, Ally sits in the top tier alongside Marcus by Goldman Sachs, Discover Bank, Capital One 360, and Synchrony. Marcus is simpler with no checking. Discover has a full checking account with cashback on debit purchases. Capital One 360 is the closest analog on features and adds a limited network of physical Cafés in major cities. Synchrony pairs its savings with an ATM card that reimburses domestic ATM fees, which Ally savings does not.
Ally consistently wins on the combination of buckets, boosters, round-ups, no fees on either account, and a genuinely pleasant mobile app. It loses on the cash problem and absence of any physical footprint.
Who Should Open It and Who Should Look Elsewhere Ally suits the saver who already banks primarily online, wants to organize goals inside one account, and values not paying fees more than squeezing out the last few basis points of yield. It suits people building an emergency fund, saving for a house down payment, or parking a tax refund.
It is a poor fit for cash businesses, for savers who want a branch relationship, and for people chasing the single highest rate available in any given month. It is also not the right home for money you will not touch for years, where a CD ladder or Treasury bills would likely pay more. With the 10 year Treasury yield at 4.55% and the national 12 month CD average at 1.65%, savers with a clear time horizon have real alternatives worth comparing.
Frequently Asked Questions Is Ally Bank Safe? Yes. Ally is FDIC insured up to the standard federal limit per depositor, per ownership category, and it is a publicly traded, federally regulated bank. Deposit safety is not a differentiator among mainstream U.S. banks.
Does Ally Have Any Minimum Balance or Monthly Fee? No. There is no minimum to open the account, no ongoing minimum balance requirement, and no monthly maintenance fee on either the savings or Spending checking account.
Can I Deposit Cash Into Ally Bank? Not directly. Ally has no branches and no cash-accepting ATM network. Workarounds include depositing cash at another bank and transferring the money, buying a money order and mailing it in, or using a peer-to-peer service funded by cash elsewhere. If cash deposits are routine, Ally is the wrong bank.
How Does Ally Compare to a Money Market Account or a CD? Ally offers both. Its Money Market Account adds check writing and a debit card at similar rates to savings. Ally’s CDs, including its no-penalty CD and Raise Your Rate CD, are worth considering for money you can commit for a defined term.
Will Ally’s Rate Drop if the Fed Keeps Cutting? Almost certainly, and so will every online bank’s rate. Savings account yields track the Fed funds rate with a lag. The Fed has already cut from 4.5% last September to 3.75% today, and any further cuts would put downward pressure on deposit rates across the industry. Choosing a bank on features and fee structure, rather than on a snapshot rate, tends to age better.
It doesn't matter your age or experience: taking full advantage of the stock market and investing with confidence are common goals for all investors. Luckily, Zacks Premium offers several different ways to do both.
The research service features daily updates of the Zacks Rank and Zacks Industry Rank, full access to the Zacks #1 Rank List, Equity Research reports, and Premium stock screens, all of which will help you become a smarter, more confident investor.
Zacks Premium also includes the Zacks Style Scores.
What are the Zacks Style Scores? Developed alongside the Zacks Rank, the Zacks Style Scores are a group of complementary indicators that help investors pick stocks with the best chances of beating the market over the next 30 days.
Based on their value, growth, and momentum characteristics, each stock is assigned a rating of A, B, C, D, or F. The better the score, the better chance the stock will outperform; an A is better than a B, a B is better than a C, and so on.
The Style Scores are broken down into four categories:
Value ScoreValue investors love finding good stocks at good prices, especially before the broader market catches on to a stock's true value. Utilizing ratios like P/E, PEG, Price/Sales, Price/Cash Flow, and many other multiples, the Value Style Score identifies the most attractive and most discounted stocks.
Growth ScoreWhile good value is important, growth investors are more focused on a company's financial strength and health, and its future outlook. The Growth Style Score takes projected and historic earnings, sales, and cash flow into account to uncover stocks that will see long-term, sustainable growth.
Momentum ScoreMomentum investors, who live by the saying "the trend is your friend," are most interested in taking advantage of upward or downward trends in a stock's price or earnings outlook. Utilizing one-week price change and the monthly percentage change in earnings estimates, among other factors, the Momentum Style Score can help determine favorable times to buy high-momentum stocks.
VGM ScoreWhat if you like to use all three types of investing? The VGM Score is a combination of all Style Scores, making it one of the most comprehensive indicators to use with the Zacks Rank. It rates each stock on their combined weighted styles, which helps narrow down the companies with the most attractive value, best growth forecast, and most promising momentum.
How Style Scores Work with the Zacks Rank A proprietary stock-rating model, the Zacks Rank utilizes the power of earnings estimate revisions, or changes to a company's earnings outlook, to help investors create a successful portfolio.
#1 (Strong Buy) stocks have produced an unmatched +24% average annual return since 1988, which is more than double the S&P 500's performance over the same time frame. However, the Zacks Rank examines a ton of stocks, and there can be more than 200 companies with a Strong Buy rank, and another 600 with a #2 (Buy) rank, on any given day.
With more than 800 top-rated stocks to choose from, it can certainly feel overwhelming to pick the ones that are right for you and your investing journey.
That's where the Style Scores come in.
To have the best chance of big returns, you'll want to always consider stocks with a Zacks Rank #1 or #2 that also have Style Scores of A or B, which will give you the highest probability of success. If you're looking at stocks with a #3 (Hold) rank, it's important they have Scores of A or B as well to ensure as much upside potential as possible.
Since the Scores were created to work together with the Zacks Rank, the direction of a stock's earnings estimate revisions should be a key factor when choosing which stocks to buy.
A stock with a #4 (Sell) or #5 (Strong Sell) rating, for instance, even one with Scores of A and B, will still have a declining earnings forecast, and a greater chance its share price will fall too.
Thus, the more stocks you own with a #1 or #2 Rank and Scores of A or B, the better.
Stock to Watch: Ally Financial (ALLY - Free Report) Founded in 1919, Detroit, MI-based Ally Financial Inc. is a diversified financial services company providing several financial products and services to automotive dealers and their customers. It operates as a financial holding and a bank holding company. Ally Bank is an indirect, wholly-owned banking subsidiary of Ally Financial.
ALLY is a #3 (Hold) on the Zacks Rank, with a VGM Score of B.
It also boasts a Value Style Score of A thanks to attractive valuation metrics like a forward P/E ratio of 8.64; value investors should take notice.
Three analysts revised their earnings estimate higher in the last 60 days for fiscal 2026, while the Zacks Consensus Estimate has increased $0.07 to $5.28 per share. ALLY also boasts an average earnings surprise of +17.6%.
With a solid Zacks Rank and top-tier Value and VGM Style Scores, ALLY should be on investors' short list.
, /PRNewswire/ -- Ally Financial (NYSE: ALLY) has scheduled the release of its second quarter financial results for Tuesday, July 21, 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/BIe8c04604b04f45b8bfc92dc71d60682f . 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 July 21, 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 auto finance business, driven by a mission to "Do It Right" for its customers and communities. Ally is a top-25 U.S. financial holding company with $197 billion in assets and 9.5 million customers (March 31, 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
[email protected]
Peter Gilchrist
Ally Communications (Media)
704-644-6299
[email protected]
, /PRNewswire/ -- Ally Financial Inc. (NYSE: ALLY) today announced that it will redeem all 1,350,000 outstanding shares (Preferred Shares) of its 4.700% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series B (Series B Preferred Stock) on May 15, 2026 (Redemption Date), representing 100% of the issued and outstanding Series B Preferred Stock and an aggregate liquidation preference of $1,350,000,000.
The Preferred Shares will be redeemed for a redemption price equal to $1,000 per share of Preferred Shares plus an amount equal to any declared and unpaid dividends for the then-current dividend period up to but excluding the Redemption Date (together, the Redemption Payment). From and after the Redemption Date, all dividends will cease to accrue on the Preferred Shares.
The Preferred Shares will be redeemed on the Redemption Date in accordance with the applicable procedures of The Depositary Trust Company.
The notice of redemption and related materials were delivered today to registered holders of record of the Preferred Shares. Questions relating to, and requests for additional copies of, the notice of redemption and related materials should be directed to the registrar and transfer agent for the Preferred Shares, Computershare Trust Company, N.A., 150 Royall Street, Canton, Massachusetts 02021 or via telephone at 800-522-6645 (toll free) or 201-680-6578 (non-U.S.).
Investors in the Preferred Shares should contact the bank or broker through which they hold a beneficial interest in the Preferred Shares for information about obtaining the Redemption Payment for the Preferred Shares in which they have a beneficial interest.
About Ally Financial
Ally Financial Inc. (NYSE: ALLY) is a financial services company with the nation's largest all-digital bank and an industry-leading auto financing business, driven by a mission to "Do It Right" and be a relentless ally for customers and communities. The company serves customers with deposits and securities brokerage and investment advisory services as well as auto financing and insurance offerings. The company also includes a seasoned corporate finance business that offers capital for equity sponsors and middle-market companies. For more information, please visit www.ally.com
For more information and disclosures about Ally, visit https://www.ally.com/#disclosures.
For further images and news on Ally, please visit http://media.ally.com.
Contacts:
Sean Leary
Ally Investor Relations
704-444-4830
[email protected]
Peter Gilchrist
Ally Communications (Media)
704-644-6299
[email protected]
Ally Financial (NYSE:ALLY | ALLY Price Prediction) received a price target raise to $56 from $50 from Goldman Sachs on Monday, maintaining a Buy rating.
Resources Investor Relations Journalists Agencies Client Login Send a Release News Products Contact , /PRNewswire/ -- Ally Financial (NYSE: ALLY) Chief Executive Officer Michael Rhodes will present at the Bernstein Strategic Decisions Conference on Thursday, May 28, 2026 at approximately 8:00 a.m. ET.
A live webcast will be available on the day of the conference at http://www.ally.com/about/investor/ under the Events and Presentations section of the Investor Relations website. A replay will also be available.
About Ally Financial
Ally Financial Inc. (NYSE: ALLY) is a financial services company with the nation's largest all-digital bank and an industry-leading auto financing business, driven by a mission to "Do It Right" and be a relentless ally for customers and communities. The company serves customers with deposits and securities brokerage and investment advisory services as well as auto financing and insurance offerings. The company also includes a seasoned corporate finance business that offers capital for equity sponsors and middle-market companies. For more information, please visit www.ally.com.
For more information and disclosures about Ally, visit https://www.ally.com/#disclosures.
For further images and news on Ally, please visit http://media.ally.com.
Contacts:
Sean Leary
Ally Investor Relations
704-444-4830
[email protected]
Peter Gilchrist
Ally Communications (Media)
704-644-6299
[email protected]
Ally Financial NYSE: ALLY shareholders approved the company's board nominees and several management-backed proposals at the company's 2026 annual meeting, while rejecting a shareholder proposal that sought to lower the ownership threshold required to call a special shareholder meeting.
On May 11, 2026, Ally Financial Inc (ALLY) shares fell 3.4% today, bringing the current price to $42.74. The stock has experienced a 52-week range of $32.50 to
Taking full advantage of the stock market and investing with confidence are common goals for new and old investors, and Zacks Premium offers many different ways to do both.
The research service features daily updates of the Zacks Rank and Zacks Industry Rank, full access to the Zacks #1 Rank List, Equity Research reports, and Premium stock screens, all of which will help you become a smarter, more confident investor.
Zacks Premium includes access to the Zacks Style Scores as well.
What are the Zacks Style Scores? The Zacks Style Scores is a unique set of guidelines that rates stocks based on three popular investing types, and were developed as complementary indicators for the Zacks Rank. This combination helps investors choose securities with the highest chances of beating the market over the next 30 days.
Based on their value, growth, and momentum characteristics, each stock is assigned a rating of A, B, C, D, or F. The better the score, the better chance the stock will outperform; an A is better than a B, a B is better than a C, and so on.
The Style Scores are broken down into four categories:
Value ScoreValue investors love finding good stocks at good prices, especially before the broader market catches on to a stock's true value. Utilizing ratios like P/E, PEG, Price/Sales, Price/Cash Flow, and many other multiples, the Value Style Score identifies the most attractive and most discounted stocks.
Growth ScoreWhile good value is important, growth investors are more focused on a company's financial strength and health, and its future outlook. The Growth Style Score takes projected and historic earnings, sales, and cash flow into account to uncover stocks that will see long-term, sustainable growth.
Momentum ScoreMomentum trading is all about taking advantage of upward or downward trends in a stock's price or earnings outlook, and these investors live by the saying "the trend is your friend." The Momentum Style Score can pinpoint good times to build a position in a stock, using factors like one-week price change and the monthly percentage change in earnings estimates.
VGM ScoreIf you like to use all three kinds of investing, then the VGM Score is for you. It's a combination of all Style Scores, and is an important indicator to use with the Zacks Rank. The VGM Score rates each stock on their shared weighted styles, narrowing down the companies with the most attractive value, best growth forecast, and most promising momentum.
How Style Scores Work with the Zacks Rank The Zacks Rank is a proprietary stock-rating model that harnesses the power of earnings estimate revisions, or changes to a company's earnings expectations, to help investors build a successful portfolio.
It's highly successful, with #1 (Strong Buy) stocks producing an unmatched +23.7% average annual return since 1988. That's more than double the S&P 500. But because of the large number of stocks we rate, there are over 200 companies with a Strong Buy rank, plus another 600 with a #2 (Buy) rank, on any given day.
With more than 800 top-rated stocks to choose from, it can certainly feel overwhelming to pick the ones that are right for you and your investing journey.
That's where the Style Scores come in.
You want to make sure you're buying stocks with the highest likelihood of success, and to do that, you'll need to pick stocks with a Zacks Rank #1 or #2 that also have Style Scores of A or B. If you like a stock that only has a #3 (Hold) rank, it should also have Scores of A or B to guarantee as much upside potential as possible.
As mentioned above, the Scores are designed to work with the Zacks Rank, so any change to a company's earnings outlook should be a deciding factor when picking which stocks to buy.
For instance, a stock with a #4 (Sell) or #5 (Strong Sell) rating, even one that boasts Scores of A and B, still has a downward-trending earnings forecast, and a much greater likelihood its share price will decline as well.
Thus, the more stocks you own with a #1 or #2 Rank and Scores of A or B, the better.
Stock to Watch: Ally Financial (ALLY - Free Report) Founded in 1919, Detroit, MI-based Ally Financial Inc. is a diversified financial services company providing several financial products and services to automotive dealers and their customers. It operates as a financial holding and a bank holding company. Ally Bank is an indirect, wholly-owned banking subsidiary of Ally Financial.
ALLY is a #3 (Hold) on the Zacks Rank, with a VGM Score of A.
Additionally, the company could be a top pick for growth investors. ALLY has a Growth Style Score of B, forecasting year-over-year earnings growth of 39.1% for the current fiscal year.
Five analysts revised their earnings estimate upwards in the last 60 days for fiscal 2026. The Zacks Consensus Estimate has increased $0.10 to $5.30 per share. ALLY boasts an average earnings surprise of +17.6%.
With a solid Zacks Rank and top-tier Growth and VGM Style Scores, ALLY should be on investors' short list.
Comprised of a construction-to-term loan, bridge loan, and letter of credit facility to construct and operate Eagle Springs, Lupinus 1, and Lupinus 2 solar and battery energy storage projects
, /PRNewswire/ -- Sunraycer Renewables LLC ("Sunraycer"), a leading developer, owner, and operator of clean energy power sites, announced today the closing of a $901 million project financing facility with MUFG Bank, Ltd. (MUFG), Ally Bank, Nomura Securities International, Inc. (Nomura), Norddeutsche Landesbank Girozentrale (Nord/LB), and Societe Generale. This marks Sunraycer's second portfolio financing in approximately 12 months and brings total capital raised across project finance and tax equity to roughly $1.6 billion during that period.
The facility is comprised of a construction-to-term loan, a tax credit bridge loan, and a letter of credit facility.
Proceeds from the financing will support the construction and operation of three Sunraycer projects in Texas, totaling 479.5 MWac of solar generation and 236.5 MWac of paired two-hour battery energy storage systems. The portfolio includes:
Eagle Springs: 77 MWac solar + 33 MWac battery storage project located in Delta County Lupinus 1: 161.5 MWac solar + 82 MWac battery storage project located in Franklin County Lupinus 2: 241 MWac solar + 121.5 MWac battery storage project located in Franklin County All three projects began construction in late 2025. Eagle Springs is expected to reach commercial operation later this year, with Lupinus 1 and Lupinus 2 following in late 2027.
These projects will play a critical role in supporting the growing demand for electricity driven by manufacturing and data center expansion across Texas, particularly within the ERCOT grid, which serves more than 26 million customers and operates the state's independent electricity market.
"This financing represents another significant milestone for Sunraycer as we continue to scale our platform and deliver critical energy infrastructure to meet accelerating demand," said David Lillefloren, Chief Executive Officer of Sunraycer. "We are proud to partner with a highly respected group of financial institutions on this transaction, and we remain focused on executing projects that combine solar generation and energy storage to provide reliable, cost-effective power to the grid."
Sunraycer continues to advance a robust pipeline of solar and storage projects across key U.S. markets, focused on delivering integrated solutions that enhance grid reliability, support economic growth, and accelerate the transition to a cleaner energy future.
"MUFG is thrilled to have led Sunraycer's Eagle Springs and Lupinus 1&2 project financing. The Sunraycer and MUFG teams built off the success of the inaugural project financing in 2025 to finance three more assets that will help have a positive impact for ERCOT's power supply needs. We remain impressed with the platform and expect the team to continue executing at a high level," said Louise Pesce, Managing Director and Head of North American Power at MUFG.
"We're proud to partner with Sunraycer on this significant financing that will help power Texas' growing energy needs," said Dan Bernstein, head of Energy & Infrastructure Corporate Finance, Ally Bank. "This financing demonstrates Ally Corporate Finance's growing capabilities in the energy sector and our relationship-focused approach to delivering customized financing solutions for clients driving the future of sustainable infrastructure."
"We are excited to once again support Sunraycer for its Eagle Springs and Lupinus solar and storage projects located in Texas. The transaction exemplifies our commitment to financing best-in-class infrastructure projects that drive the energy transition and provide reliability for the increase in energy demand," said Vinod Mukani, Global Head of Nomura's Infrastructure & Power Business, and Alain Halimi, Managing Director of Nomura Infrastructure & Power. "This partnership reflects Nomura's dedication to providing innovative financing solutions that accelerate the deployment of critical energy infrastructure. We look forward to continuing our support as Sunraycer scales their operations and delivers sustainable energy solutions to communities worldwide."
"We are proud to have led another financing for Sunraycer with the close of the Eagle Springs and Lupinus transactions. The portfolio reflects a strong combination of solar and storage assets designed to deliver reliable power into ERCOT, and highlights the sponsor's ability to successfully develop and advance complex projects. We are excited to support Sunraycer as they continue to execute on a growing and well-positioned platform in the U.S. renewables market. This transaction underscores NORD/LB's commitment to leading high-quality energy financings and further strengthening our relationship with Sunraycer," said Sondra Martinez, Head of Structured Finance Originations.
"Societe Generale is excited to have supported the Sunraycer team on the Eagle Springs and Lupinus 1&2 project financing. This financing underscores our strong partnership with Sunraycer and supports ERCOT's increasing load growth. We are committed to advancing the global energy transition and to helping the US reach its net-zero carbon emissions targets," said Sang Joon Lee of Societe Generale Energy Plus Group. "We recognize the vast economic potential of the renewable market as one of the fastest growing sources of power in ERCOT and are thrilled to partner with top tier developers like Sunraycer as they continue to lead the growth of renewable power generation."
Sunraycer was advised by Orrick, Herrington & Sutcliffe LLP as legal counsel. The lenders were advised by Milbank LLP and Holland & Knight LLP.
About Sunraycer Renewables, LLC
Sunraycer, a Crayhill Capital Management portfolio company, is a rapidly-growing, Annapolis, Maryland-based Independent Power Producer (IPP), that has a development, construction-stage, and operational pipeline of approximately 3 GW of solar and battery utility-scale power plants. The company prioritizes industry-leading best practices in transmission analytics, land analysis, and valuation, emphasizing flexibility and optimization to adapt to evolving market conditions and technologies. Sunraycer leverages enterprise-scale partnerships with proven industry leaders, as well as an experienced and driven in-house team of renewable energy experts, to accelerate the deployment of development-stage projects.
About MUFG
Mitsubishi UFJ Financial Group, Inc. (MUFG) is one of the world's leading financial groups. Headquartered in Tokyo and with over 360 years of history, MUFG has a global network with approximately 2,000 locations in more than 40 countries. The Group has about 150,000 employees and offers services including commercial banking, trust banking, securities, credit cards, consumer finance, asset management, and leasing. The Group aims to "be the world's most trusted financial group" through close collaboration among our operating companies and flexible response to all of the financial needs of our customers, serving society, and fostering shared and sustainable growth for a better world. MUFG's shares trade on the Tokyo, Nagoya, and New York stock exchanges. For more information, visit https://www.mufg.jp/english.
About Ally Bank
Ally Financial Inc. (NYSE: ALLY) is a financial services company with the nation's largest all-digital bank and an industry-leading auto financing business, driven by a mission to "Do It Right" and be a relentless ally for customers and communities. The company serves customers with deposits and securities brokerage and investment advisory services as well as auto financing and insurance offerings. The company also includes a seasoned corporate finance business that offers capital for equity sponsors and middle-market companies. For more information, please visit www.ally.com.
For more information and disclosures about Ally, visit https://www.ally.com/#disclosures.
For further images and news on Ally, please visit http://media.ally.com.
About Nomura
Nomura is a global financial services group with an integrated network spanning approximately 30 countries and regions. By connecting markets East & West, Nomura services the needs of individuals, institutions, corporates and governments through its three business divisions: Wealth Management, Investment Management, and Wholesale (Global Markets and Investment Banking). Founded in 1925, the firm is built on a tradition of disciplined entrepreneurship, serving clients with creative solutions and considered thought leadership. For further information about Nomura, visit www.nomura.com.
About Nord/LB
NORD/LB Norddeutsche Landesbank is one of Germany's leading commercial banks. As an institute under public law, it is part of the S-Finance Group. Its core business segments include corporate customers, special financing in the energy and infrastructure sectors, financing commercial real estate via Deutsche Hypo, capital market business, association business with the savings banks and private and commercial customers including private banking. The bank is based in Hanover, Braunschweig and Magdeburg and has branches in Oldenburg, Hamburg, Schwerin, Düsseldorf and Munich. Outside Germany NORD/LB is represented by a Pfandbrief bank (NORD/LB Covered Bond Bank) in Luxembourg and by branches in London, New York and Singapore.
About Societe Generale
Societe Generale is a top-tier European Bank with around 110,000 employees serving 27 million clients in 58 countries across the world. We have been supporting the development of our economies for over 160 years, providing our corporate, institutional, and individual clients with a wide array of value-added advisory and financial solutions. Our long-lasting and trusted relationships with the clients, our cutting-edge expertise, our unique innovation, our ESG capabilities and leading franchises are part of our DNA and serve our most essential objective - to deliver sustainable value creation for all our stakeholders.
The Group runs three complementary sets of businesses, embedding ESG offerings for all its clients:
French Retail, Private Banking and Insurance, with leading retail bank SG and insurance franchise, premium private banking services, and the leading digital bank BoursoBank. Global Banking and Investor Solutions, a top tier wholesale bank offering tailored-made solutions with distinctive global leadership in equity derivatives, structured finance and ESG. Mobility, International Retail Banking and Financial Services, comprising well-established universal banks (in Czech Republic, Romania and several African countries), Ayvens (the new ALD I LeasePlan brand), a global player in sustainable mobility, as well as specialized financing activities. Committed to building together with its clients a better and sustainable future, Societe Generale aims to be a leading partner in the environmental transition and sustainability overall. The Group is included in the principal socially responsible investment indices: DJSI (Europe), FTSE4Good (Global and Europe), Bloomberg Gender-Equality Index, Refinitiv Diversity and Inclusion Index, Euronext Vigeo (Europe and Eurozone), STOXX Global ESG Leaders indexes, and the MSCI Low Carbon Leaders Index (World and Europe).
In case of doubt regarding the authenticity of this press release, please go to the end of the Group News page on societegenerale.com website where official Press Releases sent by Societe Generale can be certified using blockchain technology. A link will allow you to check the document's legitimacy directly on the web page.
For more information, you can follow us on Twitter/X @societegenerale or visit our website societegenerale.com.
Sunraycer Media Inquires
Jake Forrestal
Prosek Partners
[email protected]
Original digital banking disruptor sharpens its edge in a more competitive landscape, reigniting its category-of-one position as America's most extraordinary financial ally DETROIT, May 14, 2026 /PRNewswire/ -- Nearly two decades ago, Ally disrupted the industry by introducing Ally Bank as one of the first digital-only banks. Today, it's disrupting again.
, /PRNewswire/ -- Ally Financial Inc. (NYSE: ALLY) announced that Tracey Weber has been elected to its board at its annual meeting of shareholders, expanding the board to 12 members. All other director nominees standing for re-election were also approved by shareholders.
Tracey Weber "Tracey is a digital pioneer who has built her career at the intersection of technology and customer experience. Her expertise in building consumer-first digital experiences across financial services, healthcare, retail and travel makes her an ideal addition as we continue to evolve our digital-first strategy," said Kim Fennebresque, Ally director and chair of the board's Compensation, Nominating, and Governance Committee.
Weber brings more than 20 years of digital and technological leadership to the board, having driven transformation initiatives at some of the world's most recognized consumer brands. She serves as senior vice president and general manager of Expedia Brand and Portfolio Brands at Expedia Group, Inc., where she leads strategy and the P&L for the Expedia brand globally. Prior to Expedia, Weber held senior leadership roles at CVS Health Corporation, IBM Corporation and Gilt Groupe, Inc. Earlier in her career, Weber was managing director and head of internet and mobile banking, global product, North America at Citibank N.A., where she launched mobile check deposit capability and was named "Mobile Banker of the Year" by Bank Technology. She holds a bachelor's degree in economics from Harvard University and an MBA from the Wharton School of the University of Pennsylvania.
"Having leaders like Tracey who deeply understand how to create seamless, customer-centric experiences is critical to our success. Her track record of driving digital transformation across diverse industries – from revolutionizing online banking to leading enterprise-scale technology initiatives – brings a perspective that will strengthen our oversight of Ally's strategic priorities," said Michael Rhodes, CEO of Ally. "With seven new directors added since 2022, we're well-positioned as a board to continue executing on our focused strategy and delivering long-term value to our stakeholders."
About Ally Financial
Ally Financial Inc. (NYSE: ALLY) is a financial services company with the nation's largest all-digital bank and an industry-leading auto financing business, driven by a mission to "Do It Right" and be a relentless ally for customers and communities. The company serves customers with deposits and securities brokerage and investment advisory services as well as auto financing and insurance offerings. The company also includes a seasoned corporate finance business that offers capital for equity sponsors and middle-market companies. For more information, please visit www.ally.com.
For more information and disclosures about Ally, visit https://www.ally.com/#disclosures.
For further images and news on Ally, please visit http://media.ally.com.
Contacts:
Sean Leary
Ally Investor Relations
704-444-4830
[email protected]
Peter Gilchrist
Ally Communications (Media)
704-644-6299
[email protected]
Whether you're a value, growth, or momentum investor, finding strong stocks becomes easier with the Zacks Style Scores, a top feature of the Zacks Premium research service.
CHARLOTTE, N.C., May 20, 2026 /PRNewswire/ -- Ally Financial (NYSE: ALLY) President of Dealer Financial Services, Doug Timmerman, President of Corporate Finance, Bill Hall, and Chief Financial Planning and Investor Relations Officer, Sean Leary, will present at the Morgan Stanley U.S. Financials Conference on Tuesday, June 9, 2026 at approximately 8:15 a.m.
Ally Financial demonstrates resilience amid macroeconomic volatility, maintaining profitability and disciplined credit management despite inflationary pressures. ALLY's valuation remains attractive, trading at 10.47x EPS and below its five-year average, with a DDM-derived target price of $55.17. Structural strengths include secured, necessity-driven auto loans, a vast dealership network, and diversified, asset-light operations supporting sustainable growth.
For new and old investors, taking full advantage of the stock market and investing with confidence are common goals. Zacks Premium provides lots of different ways to do both.
Featuring daily updates of the Zacks Rank and Zacks Industry Rank, full access to the Zacks #1 Rank List, Equity Research reports, and Premium stock screens, the research service can help you become a smarter, more self-assured investor.
It also includes access to the Zacks Style Scores.
What are the Zacks Style Scores? The Zacks Style Scores, developed alongside the Zacks Rank, are complementary indicators that rate stocks based on three widely-followed investing methodologies; they also help investors pick stocks with the best chances of beating the market over the next 30 days.
Each stock is given an alphabetic rating of A, B, C, D or F based on their value, growth, and momentum qualities. With this system, an A is better than a B, a B is better than a C, and so on, meaning the better the score, the better chance the stock will outperform.
The Style Scores are broken down into four categories:
Value ScoreFinding good stocks at good prices, and discovering which companies are trading under their true value, are what value investors like to focus on. So, the Value Style Score takes into account ratios like P/E, PEG, Price/Sales, Price/Cash Flow, and a host of other multiples to highlight the most attractive and discounted stocks.
Growth ScoreGrowth investors are more concerned with a stock's future prospects, and the overall financial health and strength of a company. Thus, the Growth Style Score analyzes characteristics like projected and historic earnings, sales, and cash flow to find stocks that will see sustainable growth over time.
Momentum ScoreMomentum trading is all about taking advantage of upward or downward trends in a stock's price or earnings outlook, and these investors live by the saying "the trend is your friend." The Momentum Style Score can pinpoint good times to build a position in a stock, using factors like one-week price change and the monthly percentage change in earnings estimates.
VGM ScoreIf you want a combination of all three Style Scores, then the VGM Score will be your friend. It rates each stock on their combined weighted styles, helping you find the companies with the most attractive value, best growth forecast, and most promising momentum. It's also one of the best indicators to use with the Zacks Rank.
How Style Scores Work with the Zacks Rank The Zacks Rank is a proprietary stock-rating model that harnesses the power of earnings estimate revisions, or changes to a company's earnings expectations, to help investors build a successful portfolio.
It's highly successful, with #1 (Strong Buy) stocks producing an unmatched +23.7% average annual return since 1988. That's more than double the S&P 500. But because of the large number of stocks we rate, there are over 200 companies with a Strong Buy rank, plus another 600 with a #2 (Buy) rank, on any given day.
But it can feel overwhelming to pick the right stocks for you and your investing goals with over 800 top-rated stocks to choose from.
That's where the Style Scores come in.
To have the best chance of big returns, you'll want to always consider stocks with a Zacks Rank #1 or #2 that also have Style Scores of A or B, which will give you the highest probability of success. If you're looking at stocks with a #3 (Hold) rank, it's important they have Scores of A or B as well to ensure as much upside potential as possible.
As mentioned above, the Scores are designed to work with the Zacks Rank, so any change to a company's earnings outlook should be a deciding factor when picking which stocks to buy.
A stock with a #4 (Sell) or #5 (Strong Sell) rating, for instance, even one with Scores of A and B, will still have a declining earnings forecast, and a greater chance its share price will fall too.
Thus, the more stocks you own with a #1 or #2 Rank and Scores of A or B, the better.
Stock to Watch: Ally Financial (ALLY - Free Report) Founded in 1919, Detroit, MI-based Ally Financial Inc. is a diversified financial services company providing several financial products and services to automotive dealers and their customers. It operates as a financial holding and a bank holding company. Ally Bank is an indirect, wholly-owned banking subsidiary of Ally Financial.
ALLY is a #3 (Hold) on the Zacks Rank, with a VGM Score of B.
It also boasts a Value Style Score of A thanks to attractive valuation metrics like a forward P/E ratio of 8.07; value investors should take notice.
Five analysts revised their earnings estimate higher in the last 60 days for fiscal 2026, while the Zacks Consensus Estimate has increased $0.10 to $5.30 per share. ALLY also boasts an average earnings surprise of +17.6%.
With a solid Zacks Rank and top-tier Value and VGM Style Scores, ALLY should be on investors' short list.
Deciding between Ally Financial (ALLY +1.79%) and Chime Financial Inc. Class A Common Stock (CHYM 3.71%) requires weighing a seasoned digital bank against a high-growth fintech disruptor. Which of these two players is the better buy today?
Ally Financial originated from the automotive world and has since built a massive online deposit base to fund its lending. Chime focuses on providing accessible financial services through partner banks to younger and underbanked populations. As both companies navigate a shifting interest rate environment, their business models offer very different paths for your portfolio.
The case for Ally FinancialAlly provides digital banking, which is becoming common among bank stocks as they move away from physical branches. It relies heavily on relationships with dealers, specifically reporting significant concentration with General Motors and Stellantis. In 2025, General Motors dealers accounted for roughly 34% of inventory financing and 24% of consumer automotive financing. Customer concentration like this adds a layer of risk to the business, as these two manufacturers represent a massive portion of its loan volume.
In fiscal year 2025, revenue reached nearly $7.9 billion, representing a revenue growth decline of roughly 7% from the previous year. Despite this lower revenue, the company achieved net income of approximately $852 million. This resulted in a net margin of close to 7.0%, which is an improvement over the 4.1% net margin reported in fiscal year 2024. The increase in net margin suggests a focus on profitability despite the top-line contraction.
As of its December 2025 balance sheet, the debt-to-equity ratio was approximately 1.4x. This ratio measures total debt against shareholder equity, where a higher number suggests more reliance on borrowed funds. The current ratio, which measures the ability to pay short-term debts with short-term assets, was roughly 0.9x. In FY 2025, free cash flow was negative at approximately $647 million, representing the cash generated after paying for operations and capital expenditures.
Chime operates as a financial technology company that offers fee-free banking and payment products to roughly 10.2 million active members. It provides tools like credit-building and short-term liquidity through its partner banks rather than holding a banking charter itself. By targeting everyday U.S. paycheck earners, the company aims to become the primary financial account for its growing member base. It offers checking and savings accounts that emphasize accessibility for households that may be underserved by traditional institutions.
During FY 2025, revenue reached nearly $2.2 billion, marking a revenue growth increase of approximately 30.7%. However, the company reported a net loss of close to $1 billion for the same period. This led to a net margin of roughly negative 46.2%, indicating that the company is currently prioritizing growth and member acquisition over bottom-line profitability. This level of spending is common for younger companies trying to capture market share in competitive industries.
Based on the December 2025 balance sheet, the debt-to-equity ratio was approximately 0.1x. Its current ratio was roughly 4.5x, suggesting a high level of short-term liquidity relative to its immediate obligations. For FY 2025, free cash flow was nearly $32.9 million. Note that stock-based compensation represented roughly 2029% of operating cash flow, meaning reported cash generation is heavily inflated by this non-cash add-back.
Risk profile comparisonRegulatory risk is a primary concern for Ally, as its status as a large financial firm subjects it to strict capital requirements and stress tests. It also faces significant credit risk, particularly within its used vehicle and nonprime automotive loan portfolios. Competition from traditional lenders like JPMorgan Chase could pressure its interest margins if funding costs rise faster than loan yields.
Chime depends entirely on its partnerships with Bancorp and Stride Bank to offer its services. Losing these relationships would essentially halt its current business model. It also faces intense competition from JPMorgan Chase and must navigate complex regulations regarding interchange fees. Furthermore, its use of artificial intelligence for lending decisions introduces risks of bias and regulatory liability that may be difficult to mitigate.
Valuation comparisonAlly Financial appears significantly cheaper due to its low forward P/E relative to future earnings estimates, while Chime commands a premium P/S ratio.
MetricAlly FinancialChime Financial Inc. Class A Common StockSector BenchmarkForward P/E8.0x58.5x16.6xP/S ratio1.1x3.0xn/aSector benchmark uses the SPDR XLF sector ETF. Valuation metrics sourced from Financial Modeling Prep (FMP) and may differ from other data providers.
Which stock would I buy in 2026?Ally Financial and Chime Financial stocks offer investors different ways to buy into the future of bank stocks. Most investors will likely prefer Ally for its reasonable valuation, 2.8% annual dividend yield, and established relationships in the automotive space. Over the past five years, Ally stock has delivered a more than 17% gain, and that return rises to nearly 19% with dividends reinvested. Chime stock went public in June 2025, so there isn’t as much historical data to consider. Since its IPO, has fallen about 53%. That means a $1,000 investment in Chime five years ago would now be worth about $470.
But Ally isn’t without risk, especially when it comes to its customer concentration. Financial technology is moving at a lightning-fast pace, and consumer preferences — both in the banking and automotive spaces — are changing. Depending so heavily on industry giants GM and Stellantis is a double-edged sword, as their success or failure will reflect in Ally’s performance.
Meanwhile, Chime could turn its fortunes around. In fact, the young disruptor is already making progress. In the first quarter of 2026, it posted its first quarter of profitability under generally accepted accounting principles (GAAP), raised its full-year guidance, and announced an additional $200 million share repurchase authorization. Its star could be rising, but at 58.5 times forward earnings, it probably isn’t yet time to buy in.
