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ALLY · Ally Financial Inc.

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$43.11 -0.52 (-1.19%) At close · Aug 19
Market Cap
$13.27B
Shares
304.20M

Price & Indicators

Indicators
Price
Panels
Event markers
20d MA 50d MA 200d MA Earnings Filing Insider Congress Investor day
Close$43.11 Open$43.94 Day$43.10–43.94 52W close$35.96–47.25 Avg vol 30d3.0M Short int13.2M · 4.3% float · 3.6d Short vol69% Last earningsJul 21, 2026 DataJan 2020–Aug 2026 Filing10-Q · Jul 23

Up next

Next earnings call
Oct 22, 2026 Est · unconfirmed · in 9 wks
FQ3-26 quarter ends
~Sep 30, 2026 Est
Latest filing: 10-Q
filed Jul 23, 2026

AI Brief

TL;DR.

Bullish
    Bearish

      AI-generated from the earnings call and 8-K · may contain errors · not investment advice

      Ask ALVIS about this →

      Equibles Rating

      blended score · not investment advice
      Overall
      Neutral
      SellHoldBuy
      Technical Neutral Momentum Weak Sentiment Neutral Fundamentals Strong Quant / Vol Moderate
      Market backdrop VIX 14.9 · calm Equity put/call 0.52
      Technical
      price trend
      Neutral
      50 / 200-day cross No cross
      Price vs 200-day avg +1%
      above
      Price vs 50-day avg −4%
      below
      RSI (14) 42
      neutral
      MACD trend Negative
      52-week position 63%
      mid-range
      Momentum
      relative strength
      Weak
      1-month return −3%
      trailing
      6-month return +3%
      trailing
      YTD return −5%
      this year
      Relative strength −9%
      vs S&P · 6-mo
      Sentiment
      smart money
      Neutral
      Trend (MA cross) No cross
      50d $45 › 200d $43 — 50d above 200d
      Institutional flow Accumulating
      +4% holders QoQ · +103 funds added
      Insider flow Flat
      No net insider activity over 90 days
      Short interest Rising
      4.33% of float · ▲ +0.2% MoM · 3.6 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Multi-yr high
      614 holders — near 3-yr high, broad support
      Squeeze score 55
      elevated · 0–100
      Fundamentals
      Strong
      Revenue growth −3%
      Y/Y
      EPS growth +32%
      Y/Y
      Valuation P/E 10.2
      below peers
      Buyback $2.0B
      authorized
      Balance sheet $7.0B
      net debt
      Quant / Vol
      risk profile
      Moderate
      Volatility 30%
      annualized · 1-yr
      Max drawdown −24%
      past year
      ATR 2.3%
      of price · 14-day

      Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.

      Guidance & track record

      Latest guidance · from the 8-K filed Jan 21, 2026
      Net Interest Margin (ex. OID) · 2026 Guidance Non-GAAP 3.6% – 3.7%
      Consolidated NCO · 2026 Guidance 1.2% – 1.4%
      Adjusted Other Revenue · 2026 Guidance Non-GAAP up to 5%
      Prior guidance period ended · from the 8-K filed Oct 17, 2025
      Net Interest Margin · 2025 Financial Outlook 3.4% – 3.5%
      Consolidated NCO · 2025 Financial Outlook 1.35% – 1.5%

      Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.

      Technicals

      trend & momentum for long-term holders Neutral
      1 · 4 · 1
      50 / 200-day cross
      No cross Neutral
      Price vs 200-day avg
      +1% Bullish
      Price vs 50-day avg
      −4% Neutral
      RSI (14)
      42 Neutral
      MACD trend
      Negative Bearish
      52-week position
      63% Neutral
      Market signals — smart money & positioning
      Bullish · 2 of 6
      Trend (MA cross) No cross
      50d $45 › 200d $43 — 50d above 200d
      Institutional flow Accumulating
      +4% holders QoQ · +103 funds added
      Insider flow Flat
      No net insider activity over 90 days
      Short interest Rising
      4.33% of float · ▲ +0.2% MoM · 3.6 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Multi-yr high
      614 holders — near 3-yr high, broad support
      Price context
      position in its 52-week range
      Range low $36 Now $43 · 63% Range high $47
      vs 200-day avg +1% vs 50-day avg -4%

      Illustrative technical + ownership context — a signal mix, not investment advice.

      Key metrics

      the company's own KPIs, from written earnings releases and filings
      Metric Latest Period YoY
      Adjusted other revenue non-GAAP $573M 2Q 26 —
      Adjusted provision for credit losses non-GAAP $430M 2Q 26 —
      Adjusted tangible book value per share non-GAAP $42.12 2Q 26 —
      Average Customer Balance $54K 2Q'26 —
      Average retail deposit portfolio yield 3.12% the quarter —
      Cash and cash equivalents 7.5B the quarter —
      Core deposit funded 87% Q2 2026 —
      Core pre-tax income non-GAAP $527M 2Q 26 —
      Core ROTCE non-GAAP 11.8% Q2 2026 —
      Corporate Finance criticized assets percentage 10% the quarter —
      Corporate Finance held-for-investment loan portfolio 13.7B the quarter —
      Corporate Finance HFI portfolio $13.7B Q2 2026 —
      Corporate Finance ROE 32% Q2 2026 —
      Cost of funds 3.48% 2Q 26 —
      End-of-period auto earning assets 123.4B the quarter —
      End-of-period commercial earning assets 25.6B the quarter —
      End-of-period consumer auto earning assets 97.8B the quarter —
      Estimated retail auto originated yield non-GAAP 9.09% Q2 2026 —
      FDIC insured 92% Q2 2026 —
      Floorplan outstandings $17.6B 2Q 26 —
      Highly liquid securities 20.6B the quarter —
      Lease originations $0.7B 2Q 26 —
      Net financing revenue (excluding Core OID) non-GAAP $1.7B 2Q 26 —
      Net new deposit customers 63K the quarter —
      New light vehicle sales (quarterly - units in millions) 4.2M 2Q 26 —
      New light vehicle sales (SAAR - units in millions) 16.2M 2Q 26 —
      New retail auto volume 4.2B the quarter —
      NIM ex. OID non-GAAP 3.63% Q2 2026 —
      Noninterest expense (ex. repositioning) non-GAAP $1.32B 2Q 26 —
      Off-lease vehicles terminated - on-balance sheet 19,510 2Q 26 —
      Retail auto delinquencies 30+ days past due 4.8% the quarter —
      Retail auto lease volume 739M the quarter —
      Retail auto net charge-off rate 1.57% the quarter —
      Retail auto portfolio yield 9.25% the quarter —
      Retail Deposits Primary Deposit Customers 3.6M 2Q 2026 —
      Retail standard - new vehicle GM $1.4B 2Q 26 —
      Retail standard - new vehicle Other $2.1B 2Q 26 —
      Retail standard - new vehicle Stellantis $0.7B 2Q 26 —
      Return on average tangible common equity 11.1% 2Q 26 —
      Risk weighted assets 156.8B the quarter —
      Share repurchases $148M Q2 2026 —
      Tier 1 capital ratio 11.4% 2Q 26 —
      Tier 1 leverage ratio 8.9% 2Q 26 —
      Total Active DFS Dealers 21,629 2Q 26 —
      Total Application Volume 4.55M 2Q 26 —
      Total capital ratio 13.2% 2Q 26 —
      Total Commercial outstandings $25.6B 2Q 26 —
      Total current available liquidity non-GAAP 62.8B the quarter —
      Total deposit customers 3.6M the quarter —
      Total deposits 154B the quarter —
      Total originations $13.3B 2Q 26 —
      U.S. Consumer Retail Originations - Average FICO New vehicle 735 2Q 26 —
      U.S. Consumer Retail Originations - Average FICO Used vehicle 702 2Q 26 —
      U.S. Off-Lease Remarketing - Average gain (loss) per vehicle -$82 2Q 26 —
      Used retail auto volume 8.3B the quarter —
      Used vehicle originations $8.3B 2Q 26 —
      Consumer origination volume 43.7B Full-Year 2025 —
      Corporate Finance HFI loan portfolio 12.9B Full-Year 2025 —
      Corporate Finance non-accrual loans percentage 1% Full-Year 2025 —
      Customer retention 95% Full-Year 2025 —

      Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period

      Versus peers

      Credit Services — same industry group
      Open screener →
      Company Mkt cap YTD Rev growth Y/Y P/E Short % shares
      ALLY
      Ally Financial Inc.
      this stock
      		$13.27B -4.8% -3.3% 10.2 4.3%
      V
      Visa Inc.
      		 $649.98B +4.2% -4.9% — 1.2%
      MA
      Mastercard Inc
      		 $492.55B +0.5% +16.4% 30.9 1.0%
      AXP
      American Express Co
      		 $228.61B -8.1% +13.4% 20.6 1.8%
      COF
      Capital One Financial Corp
      		 $138.96B -8.9% +36.6% — 1.7%

      Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

      At a glance

      key data from every section
      Ownership
      Institutional Holders Accumulating
      Holders
      614
      % held
      96.8%
      Net QoQ
      +3.5M sh
      Top holder
      BlackRock, Inc.
      Held Float
      View
      Held by Funds
      Fund positions
      539
      View
      Short & Settlement
      Short Interest Rising
      Shares short
      13.2M
      Days to cover
      3.6d
      Change
      +23.2K sh
      View
      Short Volume
      Short vol %
      69%
      As of
      Aug 19, 2026
      Short Total
      View
      Fails to Deliver
      FTD shares
      1.1K
      Value
      $46.7K
      As of
      Jul 31, 2026
      View
      Off-Exchange
      Off-exchange %
      36.9%
      Week of
      Jul 13, 2026
      Off-exch Lit
      View
      Smart Money
      Congressional Trades Sell
      Member
      Josh Gottheimer
      Amount
      $1.0K–$15.0K
      Traded
      Apr 9, 2026
      View
      Financials
      Financials
      Revenue (FY)
      $7.9B
      Net income (FY)
      $852.0M
      EPS diluted
      $2.37
      View
      Buybacks
      Authorized
      $2.0B
      View
      Filings
      SEC Filings
      Latest
      10-Q
      Filed
      Jul 23, 2026
      This year
      12
      View
      Proposed Sales
      Value
      $221.2K
      Shares
      5.0K
      Filed
      Aug 4, 2026
      View
      Exempt Offerings
      Offering
      $1.3B
      Filed
      Mar 2, 2020
      View
      Earnings & Events
      Earnings Calls
      Last call
      Jul 21, 2026
      View

      Performance

      5D 20D 120D MTD YTD
      ALLY -2.6% -3.5% +2.8% -0.5% -4.8%
      SPY -0.4% +2.9% +11.6% +3.0% +12.8%
      vs SPY -2.1% -6.4% -8.8% -3.5% -17.6%

      Capital returns

      Latest dividend
      $0.30 / share · ex Jul 31, 2026
      Raised 20%
      Paid (TTM)
      $1.20 / share · 4 payouts
      Dividend yield (TTM, derived)
      2.78%
      Buyback program · as of Dec 1, 2025
      Authorized
      $2.00B
      Spent (derived)
      —
      Remaining
      —

      Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.

      Key facts CIK 40729 CUSIP 02005N100 13F (30d) 580 filings 537 filers Visit website Investor relations

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