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ALLYAlly Financial Inc.
$45.40$13.9B
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ALLY logoAlly Financial Inc.(ALLY)Earnings, Financials & Key Ratios

ALLY•NYSE•Banking & Credit
$45.40
19.2× P/E·Price updated Jul 7, 2026
SectorFinancial ServicesIndustryCredit ServicesSub-IndustryAuto and Specialty Asset Finance
AboutAlly Financial Inc., a digital financial-services company, provides various digital financial products and services to consumer, commercial, and corporate customers primarily in the United States and Canada. It operates through four segments: Automotive Finance Operations, Insurance Operations, Mortgage Finance Operations, and Corporate Finance Operations. The Automotive Finance Operations segment offers automotive financing services, including providing retail installment sales contracts, loans and operating leases, term loans to dealers, financing dealer floorplans and other lines of credit to dealers, warehouse lines to automotive retailers, and fleet financing. It also provides financing services to companies and municipalities for the purchase or lease of vehicles, and vehicle-remarketing services. The Insurance Operations segment offers consumer finance protection and insurance products through the automotive dealer channel, and commercial insurance products directly to dealers. This segment provides vehicle service and maintenance contract, and guaranteed asset protection products; and underwrites commercial insurance coverages, which primarily insure dealers' vehicle inventory. The Mortgage Finance Operations segment manages consumer mortgage loan portfolio that includes bulk purchases of jumbo and low-to-moderate income mortgage loans originated by third parties, as well as direct-to-consumer mortgage offerings. The Corporate Finance Operations segment provides senior secured leveraged cash flow and asset-based loans to middle market companies; leveraged loans; and commercial real estate product to serve companies in the healthcare industry. The company also offers commercial banking products and services. In addition, it provides securities brokerage and investment advisory services. The company was formerly known as GMAC Inc. and changed its name to Ally Financial Inc. in May 2010. Ally Financial Inc. was founded in 1919 and is based in Detroit, Michigan.Show more
  • Net Interest Income$7.11B+5.4%
  • Total Revenue$12.15B-25.7%
  • Net Income$852M+27.5%
  • Return on Equity5.8%+19.8%
  • Net Interest Margin3.63%+3.1%
  • Efficiency Ratio43.34%+20.3%
  • ROA0.44%+27.7%
  • Equity / Assets7.91%+9.1%
  • Book Value per Share49.31+10.0%

ALLY Price & Volume

Ally Financial Inc. (ALLY) stock price & volume — 10-year historical chart

Loading chart...

Stagnant Revenue Growth Masks Underlying Margin Volatility

Investment Thesis • Updated 2026Q1

VerdictNeutral
Growth:Contracting
Profitability:Strained
Financial:Vulnerable
Cash Flow:Mixed
Primary Risk:Used vehicle price volatility

Key Thesis Takeaways

  • Ally Financial faces a challenging outlook characterized by revenue stagnation at $3.9 billion and significant earnings volatility, as evidenced by the 2025Q1 net loss of $225 million.
  • While the firm has achieved gross margin expansion to 49.0% as of 2026Q1, the sustainability of these gains remains questionable given the sensitivity of its automotive portfolio to used vehicle price fluctuations.
  • Investors should monitor the firm's high capital intensity, with CapEx reaching 37.6% of revenue in 2025Q3, which may continue to pressure free cash flow and overall capital allocation flexibility.

Verdict Logic

while the forward P/E of 8.86 suggests potential value, the extreme volatility in quarterly net income and the recent $551 million reduction in goodwill warrant a cautious approach.

ALLY Growth Metrics

Ally Financial Inc. (ALLY) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years2.13%
5 Years2.54%
3 Years0.16%
TTM-

Profit CAGR

10 Years-4.06%
5 Years-4.72%
3 Years-20.78%
TTM161.42%

EPS CAGR

10 Years-
5 Years-3.82%
3 Years-22.19%
TTM201.47%

Return on Capital

10 Years3.72%
5 Years4.77%
3 Years2.76%
Last Year3.01%

ALLY Recent Earnings

Ally Financial Inc. (ALLY) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 12/12 qtrs (100%)●Beat Revenue 9/12 qtrs (75%)
Q2 2026Latest
Apr 17, 2026
Metric
Actual
Est
EPS
$1.11+18.8%
$0.93
Rev
$2.1B-1.8%
$2.1B
Q1 2026
Jan 21, 2026
Metric
Actual
Est
EPS
$1.09+7.9%
$1.01
Rev
$2.1B-1.0%
$2.1B
Q4 2025
Oct 17, 2025
Metric
Actual
Est
EPS
$1.15+15.0%
$1.00
Rev
$2.4B+12.1%
$2.1B
Q3 2025
Jul 18, 2025
Metric
Actual
Est
EPS
$0.99+21.9%
$0.81
Rev
$2.3B+12.0%
$2.0B
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 17, 2026
$1.11vs $0.93+18.8%
$2.1Bvs $2.1B-1.8%
Q1 2026Jan 21, 2026
$1.09vs $1.01+7.9%
$2.1Bvs $2.1B-1.0%
Q4 2025Oct 17, 2025
$1.15vs $1.00+15.0%
$2.4Bvs $2.1B+12.1%
Q3 2025Jul 18, 2025
$0.99vs $0.81+21.9%
$2.3Bvs $2.0B+12.0%
Based on last 12 quarters of dataView full earnings history →

Latest ALLY News

Recent stock market news and headlines for Ally Financial Inc. (ALLY)

24/7 Wall Street·Jun 24, 2026
SoFi Bets on Innovation and Scale While Ally Prioritizes Dividends and Auto Lending Discipline

SoFi Technologies (NASDAQ: SOFI | SOFI Price Prediction) and Ally Financial (NYSE: ALLY) reported Q1 2026 results that read like opposite playbooks.

PRNewsWire·Jun 18, 2026
Ally Financial schedules release of second quarter 2026 financial results

CHARLOTTE, N.C., June 18, 2026 /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.

Zacks Investment Research·Jun 17, 2026
Here's Why Ally Financial (ALLY) is a Strong Value Stock

The Zacks Style Scores offers investors a way to easily find top-rated stocks based on their investing style. Here's why you should take advantage.

Peers Comparison

Key metrics vs top competitors for Ally Financial Inc. (ALLY)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
ALLY logoALLYAlly Financial Inc.Current
$45.40$13.92B19.16-25.75%7.01%5.8%2.66%
COF logoCOFCapital One Financial Corporation
$202.89$124.98B50.3428.39%4.29%2.86%—
SYF logoSYFSynchrony Financial
$76.77$25.82B8.26-7.91%18.08%21.41%—
OMF logoOMFOneMain Holdings, Inc.
$59.62$6.98B9.099.09%16.12%23.62%—
AXP logoAXPAmerican Express Company
$349.58$239.74B22.738.44%13.61%33.95%—
CACC logoCACCCredit Acceptance Corporation
$646.58$6.74B17.228.57%19.61%29.39%—

Compare ALLY vs Peers

Ally Financial Inc. (ALLY) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs COF

Most directly comparable listed peer for ALLY.

Scale Benchmark

vs AXP

Larger-name benchmark to compare ALLY against a more recognizable public peer.

Peer Set

Compare Top 5

vs COF, SYF, OMF, AXP

ALLY SEC Filings & Documents

Ally Financial Inc. (ALLY) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

May 20, 2026·SEC

Material company update

May 8, 2026·SEC

Material company update

May 1, 2026·SEC

10-K Annual Reports

2
FY 2026

Feb 25, 2026·SEC

FY 2025

Feb 19, 2025·SEC

10-Q Quarterly Reports

6
FY 2026

May 5, 2026·SEC

FY 2025

Oct 30, 2025·SEC

FY 2025

Aug 4, 2025·SEC

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ALLY Frequently Asked Questions

Ally Financial Inc. (ALLY) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is Ally Financial Inc. growing?

Ally Financial Inc. (ALLY) saw revenue decline by 25.7% over the past year.

Is ALLY profitable?

Yes, Ally Financial Inc. (ALLY) is profitable, generating $1.40B in net income for fiscal year 2025 (7.0% net margin).

Dividend & Returns
Does ALLY pay dividends?

Yes, Ally Financial Inc. (ALLY) pays a dividend with a yield of 2.66%. This makes it attractive for income-focused investors.

What is ALLY's return on equity?

Ally Financial Inc. (ALLY) has a return on equity (ROE) of 5.8%. This is below average, suggesting room for improvement.

Industry Metrics
What is Ally Financial Inc.'s net interest margin?

Ally Financial Inc. (ALLY) has a net interest margin (NIM) of 3.6%. This indicates healthy earnings from lending activities.

What is Ally Financial Inc.'s efficiency ratio?

Ally Financial Inc. (ALLY) has an efficiency ratio of 43.3%. This is excellent, indicating strong cost control.

What if you invested $1,000 in ALLY back in 1999?

Total return calculator · dividends reinvested · 27+ years of data

See returns →