ALLY Stock - Ally Financial Inc.
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Financial Statements
| Metric | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Revenue | $16.37B | $15.97B | $12.10B | $10.69B | $10.72B |
| Gross Profit | $6.73B | $7.10B | $7.84B | $8.54B | $6.04B |
| Gross Margin | 41.1% | 44.5% | 64.8% | 79.8% | 56.3% |
| Operating Income | $836.00M | $1.10B | $2.34B | $3.85B | $1.41B |
| Net Income | $668.00M | $957.00M | $1.71B | $3.06B | $1.08B |
| Net Margin | 4.1% | 6.0% | 14.2% | 28.6% | 10.1% |
| EPS | $1.82 | $2.80 | $5.06 | $8.30 | $2.89 |
Ally 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.
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Price Targets
Recent Analyst Actions
| Date | Firm | Action | Rating | Price Target |
|---|---|---|---|---|
| January 8th 2026 | UBS | Initiation | Buy | $56 |
| January 6th 2026 | Evercore ISI | Upgrade | Outperform | $53 |
| December 17th 2025 | Wells Fargo | Upgrade | Overweight | $52 |
| October 20th 2025 | TD Cowen | Upgrade | Buy | $50 |
| September 2nd 2025 | Wells Fargo | Upgrade | Equal Weight | $45 |
| July 14th 2025 | BTIG Research | Upgrade | Neutral | - |
| April 7th 2025 | Compass Point | Upgrade | Buy | $41 |
| March 25th 2025 | BTIG Research | Downgrade | Sell | $30 |
| December 5th 2024 | Wolfe Research | Downgrade | Peer Perform | - |
| October 21st 2024 | Raymond James | Upgrade | Market Perform | - |
| October 7th 2024 | JP Morgan | Upgrade | Overweight | $40← $46 |
| September 16th 2024 | BTIG Research | Downgrade | Neutral | - |
| July 8th 2024 | JP Morgan | Upgrade | Neutral | $45← $39 |
| June 24th 2024 | Citigroup | Initiation | Buy | $50 |
| June 7th 2024 | BTIG Research | Initiation | Buy | $51 |
Earnings History & Surprises
ALLYEPS Surprise History
Quarterly EPS Details
| Period | Report Date | Estimated EPS | Actual EPS | Surprise | Result |
|---|---|---|---|---|---|
Q2 2026 | Apr 15, 2026 | — | — | — | — |
Q1 2026 | Jan 21, 2026 | $1.02 | — | — | — |
Q4 2025 | Oct 17, 2025 | $1.00 | $1.15 | +15.0% | ✓ BEAT |
Q3 2025 | Jul 18, 2025 | $0.81 | $0.99 | +21.9% | ✓ BEAT |
Q2 2025 | Apr 17, 2025 | $0.42 | $0.58 | +36.8% | ✓ BEAT |
Q1 2025 | Jan 22, 2025 | $0.57 | $0.78 | +36.4% | ✓ BEAT |
Q4 2024 | Oct 18, 2024 | $0.53 | $0.95 | +79.2% | ✓ BEAT |
Q3 2024 | Jul 17, 2024 | $0.64 | $0.97 | +51.6% | ✓ BEAT |
Q2 2024 | Apr 18, 2024 | $0.33 | $0.45 | +36.4% | ✓ BEAT |
Q1 2024 | Jan 19, 2024 | $0.44 | $0.45 | +2.3% | ✓ BEAT |
Q4 2023 | Oct 18, 2023 | $0.80 | $0.83 | +3.7% | ✓ BEAT |
Q3 2023 | Jul 19, 2023 | $0.92 | $0.96 | +4.3% | ✓ BEAT |
Q2 2023 | Apr 19, 2023 | $0.87 | $0.82 | -5.7% | ✗ MISS |
Q1 2023 | Jan 20, 2023 | $0.98 | $1.08 | +10.2% | ✓ BEAT |
Q4 2022 | Oct 19, 2022 | $1.70 | $1.12 | -34.1% | ✗ MISS |
Q3 2022 | Jul 19, 2022 | $1.86 | $1.76 | -5.4% | ✗ MISS |
Q2 2022 | Apr 14, 2022 | $1.93 | $2.03 | +5.2% | ✓ BEAT |
Q1 2022 | Jan 21, 2022 | $1.96 | $2.02 | +3.1% | ✓ BEAT |
Q4 2021 | Oct 21, 2021 | $1.95 | $2.16 | +10.8% | ✓ BEAT |
Q3 2021 | Jul 20, 2021 | $1.48 | $2.33 | +57.4% | ✓ BEAT |
Latest News
JP Morgan Maintains Overweight on Ally Financial, Raises Price Target to $48
📈 PositiveTD Cowen Maintains Buy on Ally Financial, Raises Price Target to $55
📈 PositiveUBS Initiates Coverage On Ally Financial with Buy Rating, Announces Price Target of $56
📈 PositiveEvercore ISI Group Upgrades Ally Financial to Outperform, Raises Price Target to $53
📈 PositiveBarclays Maintains Equal-Weight on Ally Financial, Raises Price Target to $54
➖ NeutralTruist Securities Maintains Buy on Ally Financial, Raises Price Target to $51
📈 PositiveAlly Financial Option Alert: Mar 20 $50 Calls Sweep (14) Near The Ask: 4071 @ $1.183 Vs 2530 OI; Earnings 1/21 Before Open Ref=$45.74
📈 PositiveWells Fargo Upgrades Ally Financial to Overweight, Raises Price Target to $52
📈 PositiveAlly Financial shares are trading higher after the company announced up to $2 billion in share repurchases.
📈 PositiveAlly Financial announces up to $2B stock buyback program
📈 PositiveAlly Announces Up To $2B Share Reporchase
📈 PositiveShares of banks and financial services stocks are trading higher after Fed Governor Waller called for a December rate cut.
📈 PositiveShares of banks and financial services stocks are trading higher after NY Fed President Williams indicated he sees room for a further policy adjustment in the near term. This has lifted overall market sentiment.
📈 PositiveJP Morgan Maintains Overweight on Ally Financial, Raises Price Target to $43
📈 PositiveTruist Securities Maintains Buy on Ally Financial, Raises Price Target to $47
📈 PositiveTD Cowen Upgrades Ally Financial to Buy, Raises Price Target to $50
📈 PositiveAlly Financial shares are trading higher after the company reported better-than-expected Q3 financial results.
📈 PositiveAlly Financial Q3 Adj. EPS $1.15 Beats $1.01 Estimate, Sales $2.157B Beat $2.115B Estimate
📈 PositiveShares of broader financial services stocks are trading higher amid an overall market rebound on hopes of easing US-China trade tensions.
📈 PositiveShares of banking and financial services stocks are trading lower amid overall market weakness after President Trump, on a social media post, said that he is considering an increase in tariffs on Chinese products.
📉 NegativeFrequently Asked Questions about ALLY
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