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Ally Financial (ALLY)
NYSE:ALLY
Earnings Data
Report Date
Apr 16, 2026Before Open (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
0.98Last Year’s EPS
0.58Same Quarter Last Year
Strong Buy
Based on 15 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call conveyed clear progress across key financial and operational metrics — notably strong EPS growth, materially higher ROTCE, retail auto NCOs below 2%, record dealer applications and origination volumes, capital improvement and an actionable path to higher NIM — while acknowledging manageable near-term headwinds including NIM seasonality, lease residual pressure on certain EV models, reserve conservatism driven by macro uncertainty, and the need to reach the 9% CET1 target. Overall the tone was constructive and forward-looking, with management highlighting disciplined execution, momentum in core franchises, and a cautious but growing return of capital to shareholders.Company Guidance
Strong Earnings and EPS Growth
Full-year adjusted EPS of $3.81, up 62% year-over-year; Q4 adjusted EPS of $1.09 and GAAP EPS of $0.95, demonstrating material earnings expansion.
Improved Returns on Capital
Core ROTCE of 10.4% for 2025, up more than 300 basis points versus 2024; adjusted tangible book value per share of $40, up nearly 20% year-over-year.
Margin Progress and NIM Guidance
Net interest margin momentum: full-year NIM of 3.47% (3.51% in Q4 excluding OID); NIM increased more than 30 basis points in 2025 when adjusting for the sale of card. Company guidance expects full-year 2026 NIM in the ~3.63%–3.70% range and a path to 'upper threes' over time.
Credit Performance — Retail Auto Improvement
Full-year retail auto net charge-off rate of 1.97% (below 2% threshold); Q4 retail auto NCO rate declined 20 bps year-over-year to 2.14%; consolidated net charge-offs were 134 bps (up 16 bps QoQ driven by seasonality).
Revenue and Core Franchise Growth
Adjusted net revenue of $8.5 billion, up 3% year-over-year and up 6% excluding sale of card. Retail auto and corporate finance loans grew ~5% in 2025; ending balances across retail auto and corporate finance up ~$5 billion (>5% YoY).
Record Dealer & Origination Metrics
Record 15.5 million dealer applications; consumer originations of $43.7 billion, up 11% YoY, with a 9.7% origination yield and 43% of volume in highest credit tier. Q4 consumer originations of $10.8 billion, up 6% YoY.
Capital Actions and CET1 Progress
Fully phased-in CET1 improved to 8.3%, up ~120 basis points in 2025; authorized a $2 billion open-ended share repurchase program and executed initial repurchases of $24 million (low-and-slow approach).
Diversification & Fee Revenue Momentum
Insurance written premiums exceeded $1.5 billion for the year (record). Adjusted other revenue Q4 $550 million and full year other revenue up ~2% despite headwinds; growth drivers include insurance, smart auction, and auto pass-through programs.
Corporate Finance Strength
Corporate finance delivered a 28% ROE for the year (29% in Q4), portfolio grew by just over $3 billion year-over-year, and the business had its second consecutive year with no charge-offs.
Deposit and Customer Franchise Stability
Retail deposit balances of $144 billion; 3.5 million customers (17th consecutive year of customer growth); retail deposits represent nearly 90% of total funding and ~92% of balances are FDIC insured.
ALLY Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
ALLY Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Jan 21, 2026 | $42.12 | $42.13 | +0.02% |
Oct 17, 2025 | $37.88 | $39.23 | +3.56% |
Jul 18, 2025 | $39.33 | $38.98 | -0.89% |
Apr 17, 2025 | $31.17 | $30.63 | -1.71% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Ally Financial (ALLY) report earnings?
Ally Financial (ALLY) is schdueled to report earning on Apr 16, 2026, Before Open (Confirmed).
What is Ally Financial (ALLY) earnings time?
Ally Financial (ALLY) earnings time is at Apr 16, 2026, Before Open (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is ALLY EPS forecast?
ALLY EPS forecast for the fiscal quarter 2026 (Q1) is 0.98.
