Wall Street Analysts Are Bullish on Top Financial PicksWe sat down virtually with ALLY CEO Michael Rhodes and CFO Russ Hutchinson, discussing 2Q earnings as proof point for progress towards mid-teens ROTCE, with momentum in key drivers of NIM expansion, retail auto loss improvement, and expense discipline. We share takeaways from the meetings, highlighting 3 key focuses: 1) focus right now is on optimizing balance sheet, not growing it; 2) credit continues to improve, with guide accounting for caution on evolving macro; 3) resumption of buybacks a priority, and we continue to model share buybacks resuming in early 2026. Sheet: focus right now is on optimization, not growth, for driving higher returns. — We believe the revised guide for 2% decline in earning assets partially drove the market reaction on earnings day.