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$43.72 -0.34 (-0.77%) At close · Aug 7
Market Cap
$13.30B
Shares
304.20M

Price & Indicators

20d MA 50d MA 200d MA Earnings Filing Insider Congress Investor day
Close$43.72 Open$44.03 Day$43.53–44.27 52W$35.43–46.96 Avg vol 30d3.2M Short int13.1M · 4.3% float · 5.0d Short vol60% Last earningsJul 21, 2026 DataJan 2020–Aug 2026 Filing10-Q · Jul 23

Up next

Next earnings call
Oct 22, 2026 Est · unconfirmed · in 11 wks
FQ3-26 quarter ends
~Sep 30, 2026 Est
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 0.57
      Technical
      price trend
      Neutral
      50 / 200-day cross No cross
      Price vs 200-day avg +3%
      above
      Price vs 50-day avg −2%
      below
      RSI (14) 46
      neutral
      MACD trend Negative
      52-week position 72%
      mid-range
      Volume (OBV) Confirms
      volume backs price
      Momentum
      relative strength
      Weak
      1-month return −3%
      trailing
      6-month return +9%
      trailing
      YTD return −1%
      this year
      Relative strength −4%
      vs S&P · 6-mo
      Sentiment
      smart money
      Neutral
      Trend (MA cross) No cross
      50d $44 › 200d $42 — 50d above 200d
      Institutional flow Distributing
      283 of 585 funds reported for Jun 30 · net -1.8M sh shares · +41 new
      Insider flow Distributing
      Net -$210.7K over 90 days · 100% sells
      Short interest Falling
      4.32% of float · ▼ -5.0% MoM · 5.0 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Multi-yr high
      585 holders — near 3-yr high, broad support
      Squeeze score 56
      elevated · 0–100
      Fundamentals
      Strong
      Revenue growth −3%
      Y/Y
      EPS growth +32%
      Y/Y
      Valuation P/E 10.3
      below peers
      Buyback $2.0B
      authorized
      Balance sheet $7.0B
      net debt
      Quant / Vol
      risk profile
      Moderate
      Volatility 30%
      annualized · 1-yr
      Max drawdown −23%
      past year
      ATR 2.5%
      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 Earnings Call filed Jun 30, 2025
      Expected annual losses on new fixed-rate retail auto loans · annual 1.6% – 1.8%

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

      Technicals

      trend & momentum for long-term holders Neutral
      1 · 5 · 1
      50 / 200-day cross
      No cross Neutral
      Price vs 200-day avg
      +3% Bullish
      Price vs 50-day avg
      −2% Neutral
      RSI (14)
      46 Neutral
      MACD trend
      Negative Bearish
      52-week position
      72% Neutral
      Volume (OBV)
      Confirms Neutral
      Market signals — smart money & positioning
      Mixed
      Trend (MA cross) No cross
      50d $44 › 200d $42 — 50d above 200d
      Institutional flow Distributing
      283 of 585 funds reported for Jun 30 · net -1.8M sh shares · +41 new
      Insider flow Distributing
      Net -$210.7K over 90 days · 100% sells
      Short interest Falling
      4.32% of float · ▼ -5.0% MoM · 5.0 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Multi-yr high
      585 holders — near 3-yr high, broad support
      Price context
      position in its 52-week range
      52-wk low $35 Now $44 · 72% 52-wk high $47
      vs 200-day avg +3% vs 50-day avg -2%

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

      Key metrics

      the company's own KPIs, from its earnings releases, calls, and filings
      Metric Latest Period YoY
      Adjusted Tangible Book Value per Share non-GAAP $42.12 2Q 26
      Core deposit funded 87% 2Q 26
      Core ROTCE non-GAAP 11.8% 2Q 26
      Corporate Finance HFI portfolio $13.7B 2Q 26
      Estimated retail auto originated yield non-GAAP 9.09% 2Q 26
      FDIC insured 92% 2Q 26
      NIM ex. OID non-GAAP 3.63% 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 · click a metric with a to chart its history · period links open the stating document · "call" marks figures stated on the earnings call, "filing" figures stated in the 10-K/10-Q · YoY needs the prior-year figure on file

      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
      $13.30B -1.4% -3.3% 10.3 4.3%
      V
      Visa Inc.
      $661.08B +6.1% +12.3% 1.3%
      MA
      Mastercard Inc
      $504.54B +1.4% +16.4% 31.7 1.0%
      AXP
      American Express Co
      $231.36B -7.1% +13.4% 20.8 1.7%
      COF
      Capital One Financial Corp
      $136.90B -9.4% +36.6% 56.1 2.1%

      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 Reducing
      Holders
      608
      % held
      90.7%
      Reported
      283 of 585
      Top holder
      Berkshire Hathaway Inc
      Held Float
      View
      Held by Funds
      Fund positions
      500
      View
      Short & Settlement
      Short Interest Falling
      Shares short
      13.1M
      Days to cover
      5.0d
      Change
      -691.3K sh
      View
      Short Volume
      Short vol %
      60%
      As of
      Aug 7, 2026
      Short Total
      View
      Fails to Deliver
      FTD shares
      106
      Value
      $4.7K
      As of
      Jul 9, 2026
      View
      Off-Exchange
      Off-exchange %
      38.2%
      Week of
      Jul 6, 2026
      Off-exch Lit
      View
      Smart Money
      Insider Trades Net selling
      Net (90d)
      -$210.7K
      Buyers / Sellers
      0 / 1
      Buyers Sellers
      View
      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 +0.9% -3.4% +8.6% +0.9% -1.4%
      SPY +3.6% +2.2% +12.8% +2.9% +12.7%
      vs SPY -2.7% -5.7% -4.2% -2.0% -14.2%

      Capital returns

      Latest dividend
      $0.30 / share · ex Jul 31, 2026
      Raised 20%
      Paid (TTM)
      $1.20 / share · 4 payouts
      Dividend yield (TTM, derived)
      2.74%
      Buyback program · as of Dec 31, 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) 274 filings 249 filers Visit website Investor relations