ALLY · Ally Financial Inc.
$36.98
-0.64 (-1.70%)
At close · Oct 1
Return incl. dividend (before tax)
Market Cap
$11.62B
Shares
304.20M
Volume · Oct 1
1.5M
Avg daily vol (3M)
3.21M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$37.62
Open$37.36
Day$37.06–37.65
52W close$35.96–47.25
Avg vol 30d3.5M
Short int15.0M · 4.9% float · 4.6d
Short vol49%
Last earningsJul 21, 2026
DataJan 2020–Sep 2026
Filing10-Q · Jul 23
Up next
Next earnings call
Oct 22, 2026
Est · unconfirmed
· in 3 wks
filed Jul 23, 2026
call held Jul 21, 2026
Metrics snapshot
Useful current figures from the complete screener profile.
Revenue (TTM)
$8.68B
Trailing 12 months
Net income (TTM)
$1.45B
Trailing 12 months
Revenue growth YoY
+9.8%
Year over year
Operating margin
—
Trailing 12 months
P / E (TTM)
8.8
Trailing earnings · reciprocal yield 11.3%
FCF yield
—
TTM · current market cap
Return on invested capital
—
Trailing 12 months
Net cash
−$9.21B
Latest balance sheet
Dividend yield
—
Trailing 12 months
Shares change YoY
-0.4%
Year over year · fewer shares
Price change (1Y)
-4.0%
Trailing year
Short interest
4.9%
Latest settlement · 4.6 days to cover
Equibles Rating
blended score · not investment adviceOverall
Sell
SellHoldBuy
Technical
Strong Sell
Momentum
Very Weak
Sentiment
Neutral
Fundamentals
Strong
Quant / Vol
Moderate
Market backdrop
VIX 16.3 · calm
Equity put/call 0.53
Technical
price trend
50 / 200-day cross
Death cross
Price vs 200-day avg
−12%
below
Price vs 50-day avg
−11%
below
RSI (14)
23
oversold
MACD trend
Negative
52-week position
15%
near low
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
−10%
trailing
6-month return
−10%
trailing
YTD return
−17%
this year
Relative strength
−22%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
Death cross
50d $42 › 200d $43 — 200d above 50d
Institutional flow
Accumulating
+6% holders QoQ · +104 funds added
Insider flow
Flat
No net insider activity over 90 days
Short interest
Rising
4.92% of float · ▲ +7.6% MoM · 4.6 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
627 holders — near 3-yr high, broad support
Squeeze score
56
elevated · 0–100
Fundamentals
Revenue growth
−3%
Y/Y
EPS growth
+32%
Y/Y
Valuation
P/E 9
below peers
Buyback
$2.0B
authorized
Balance sheet
$7.0B
net debt
Quant / Vol
risk profile
Volatility
30%
annualized · 1-yr
Max drawdown
−24%
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 8-K filed Jul 21, 2026
Net Interest Margin (ex. OID)
· 2026
Non-GAAP
3.6% – 3.7%
Consolidated NCO
· 2026
1.2% – 1.3%
Net Interest Margin
· 2026
Non-GAAP
3.6% – 3.7%
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Strong Sell
50 / 200-day cross
Death cross
Bearish
Price vs 200-day avg
−12%
Bearish
Price vs 50-day avg
−11%
Bearish
RSI (14)
23
Neutral
MACD trend
Negative
Bearish
52-week position
15%
Bearish
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Mixed
Trend (MA cross)
Death cross
50d $42 › 200d $43 — 200d above 50d
Institutional flow
Accumulating
+6% holders QoQ · +104 funds added
Insider flow
Flat
No net insider activity over 90 days
Short interest
Rising
4.92% of float · ▲ +7.6% MoM · 4.6 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
627 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $36
Now $38 · 15%
Range high $47
vs 200-day avg -12%
vs 50-day avg -11%
50-day below 200-day death cross
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 |
|---|---|---|---|
| Average FICO® (New retail) | 735 | Three months ended June 30, 2026 filing | — |
| Average FICO® (Used retail) | 702 | Three months ended June 30, 2026 filing | — |
| Combined ratio | 116.6% | three months ended June 30, 2026 filing | — |
| Consumer automotive loan originations | $13.58B | the three months ended June 30, 2026 filing | — |
| GM dealers originations | $2.92B | three months ended June 30, 2026 filing | — |
| Insurance premiums and service revenue written | $382M | three months ended June 30, 2026 filing | — |
| Lease originations | $738M | three months ended June 30, 2026 filing | — |
| Net charge-off ratio - Total commercial finance receivables and loans | 0.5% | the three months ended June 30, 2026 filing | — |
| Net charge-off ratio - Total consumer finance receivables and loans | 1.3% | the three months ended June 30, 2026 filing | — |
| Net charge-offs from total commercial finance receivables and loans | $51M | the three months ended June 30, 2026 filing | — |
| Net charge-offs from total consumer finance receivables and loans | $343M | the three months ended June 30, 2026 filing | — |
| New retail originations | $4.23B | three months ended June 30, 2026 filing | — |
| Non-OEM-franchised dealers and automotive retailers originations | $3.79B | three months ended June 30, 2026 filing | — |
| OEM-franchised dealers originations | $5B | three months ended June 30, 2026 filing | — |
| Off-lease vehicles terminated | 19,510 | Three months ended June 30, 2026 filing | — |
| Portfolio yield for investment in operating leases, net | 5.61% | three months ended June 30, 2026 filing | — |
| Stellantis dealers originations | $1.55B | three months ended June 30, 2026 filing | — |
| Total commercial wholesale finance receivables | $16.83B | three months ended June 30, 2026 filing | — |
| Total consumer automotive financing originations | $13.26B | three months ended June 30, 2026 filing | — |
| Total consumer loan originations | $13.58B | the three months ended June 30, 2026 filing | — |
| Total retail loan originations (New retail) | 4.2B | Three months ended June 30, 2026 filing | — |
| Total retail loan originations (Used retail) | 8.3B | Three months ended June 30, 2026 filing | — |
| Used retail originations | $8.29B | three months ended June 30, 2026 filing | — |
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| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
ALLY
this stock
Ally Financial Inc.
|
$11.62B | -16.9% | -3.3% | 9.0 | 4.9% |
|
V
Visa Inc.
|
$655.56B | +2.5% | -4.9% | — | 1.0% |
|
MA
Mastercard Inc
|
$497.27B | -3.4% | +16.4% | 31.2 | 0.8% |
|
AXP
American Express Co
|
$206.24B | -17.8% | +13.4% | 18.5 | 1.6% |
|
COF
Capital One Financial Corp
|
$119.78B | -20.3% | +36.6% | 11.7 | 1.6% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Earnings & Events
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| ALLY | -2.5% | -10.1% | -10.0% | -10.9% | -16.9% |
| SPY | -0.7% | +0.1% | +12.2% | -0.6% | +11.8% |
| vs SPY | -1.8% | -10.2% | -22.2% | -10.3% | -28.8% |
Capital returns
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.