Ally Financial (ALLY)
NYSE:ALLY
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Earnings Data
Report Date
Jul 22, 2026Before Open (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
1.27Last Year’s EPS
0.99Same Quarter Last Year
Strong Buy
Based on 12 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call presented a majority of positive operating and financial developments: double-digit EPS growth, material improvement in ROTCE, record application and origination volumes, stronger credit trends, improved tangible book value, and a constructive view on regulatory capital. Management reiterated guidance and emphasized disciplined, capital-aware growth plus shareholder returns via dividend and buybacks. Headwinds were present but manageable — chiefly lease-related margin pressure (including a $10M lease termination loss), CECL reserve impact in Auto, competition in auto and deposits, and macro uncertainty that could affect NIM timing and asset quality. Overall, positives materially outweigh the modest, defined challenges, and management projects confidence in executing its strategy and achieving medium-term targets.Company Guidance
Strong Earnings per Share Growth
Adjusted EPS of $1.11, up 90% year over year, reflecting improved profitability and operating leverage.
Material Improvement in Return on Tangible Common Equity
Core ROTCE of 11.1%, up 440 basis points versus 2025, indicating structurally higher returns.
Net Interest Margin and NII Momentum
Net interest margin (excluding OID) of 3.52% with net financing revenue (excluding OID) of $1.6 billion, up 8% year over year (15% ex-credit card sale). Company reiterates medium-term NIM guidance of 3.60%–3.70%.
Top-Line and Revenue Diversification
Adjusted net revenue of $2.2 billion, up 6% year over year (12% when adjusting for sale of credit card). Adjusted other revenue of $572 million was flat YoY despite an approximate $25 million headwind from the card sale.
Record Application and Origination Flow in Auto
Record 4.4 million applications; consumer originations of $11.5 billion, up 13% year over year despite industry headwinds.
Insurance and Pass-Through Programs Contribution
Written premiums reached a first-quarter record of $389 million; Core pretax income in Insurance was $87 million, up $70 million year over year.
Corporate Finance Outperformance
Corporate Finance delivered core pretax income of $94 million and a 26% ROE; portfolio grew to roughly $13.7–$14 billion (about 6% quarter over quarter).
Improving Credit Metrics and Asset Quality
Consolidated net charge-offs of 121 basis points, down 29 basis points year over year and 13 basis points sequentially; retail auto NCOs of 197 basis points, down 15 basis points year over year and 17 basis points quarter over quarter. 30+-day all-in delinquencies improved to 4.6%, down 17 basis points year over year.
Deposit Franchise Strength and Customer Growth
Ally Bank retail deposit balances of $146 billion; retail deposits represent nearly 90% of total funding with 92% FDIC insured. Added 74,000 net new customers in the quarter and achieved 6% customer growth year over year.
Capital Position and Shareholder Returns
CET1 of 10.1%, up ~60 basis points year over year; adjusted tangible book value per share at an all-time high of $41, up nearly 14% year over year. Declared quarterly dividend of $0.30 and repurchased $147 million of stock in the quarter.
Expense Discipline
Adjusted noninterest expense of $1.2 billion, down $85 million year over year, demonstrating ongoing cost control (benefits also from sale of card and prior-year weather-related comps).
Constructive Regulatory Capital Developments
Management views recent Basel III proposal as constructive. Under the revised standardized approach (RSA) the firm would produce CET1 just above 9% when fully phasing in AOCI—nearly 100 basis points higher than the 2023 proposal outcome—and management remains optimistic about capacity for accretive growth and buybacks.
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 |
|---|---|---|---|
Apr 17, 2026 | $41.68 | $45.05 | +8.10% |
Jan 21, 2026 | $41.83 | $41.84 | +0.02% |
Oct 17, 2025 | $37.63 | $38.97 | +3.56% |
Jul 18, 2025 | $39.07 | $38.72 | -0.89% |
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 Jul 22, 2026, Before Open (Confirmed).
What is Ally Financial (ALLY) earnings time?
Ally Financial (ALLY) earnings time is at Jul 22, 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 (Q2) is 1.27.
