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Ally Financial (ALLY)

Market Price (12/25/2025): $46.25 | Market Cap: $14.4 Bil
Sector: Financials | Industry: Consumer Finance

Ally Financial (ALLY)

Market Price (12/25/2025): $46.25
Market Cap: $14.4 Bil
Sector: Financials
Industry: Consumer Finance

Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

0	Attractive yield Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 7.0%, Dividend Yield is 2.6%	Trading close to highs Dist 52W High is -0.3%, Dist 3Y High is -0.3%	Weak revenue growth Rev Chg LTMRevenue Change % Last Twelve Months (LTM) is -3.3%, Rev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is -1.8%
1	Cash is significant % of market cap Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -63%	Weak multi-year price returns 2Y Excs Rtn is -2.0%	Not cash flow generative FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is -3.0%
2	Attractive cash flow generation CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 47%, CFO LTM is 4.0 Bil		Key risks ALLY key risks include [1] substantial credit risk and potential asset quality deterioration stemming from its heavy concentration in consumer auto loans, Show more.
3	Low stock price volatility Vol 12M is 34%
4	Capital ratio is >2x the minimum of 6% Tier 1 Capital / Risk Wtd Assets RatioTier 1 Capital / Risk-Weighted Assets is a common measure of financial strength for a bank. It reflects how much equity there is relative to assets where assets are weighted based on riskiness. Low ratios indicate the bank is highly vulnerable to even small changes in the value of their risk assets. is 15%
5	Uninsured deposits are low Uninsured Deposits Ratio %Fraction of deposits that exceed the insurance deposit thresholds. For example, the FDIC protects deposits up to $250K. A high uninsured deposits ratio indicates large accounts and greater potential exposure to bank run risk. is 8.4%
6	Megatrend and thematic drivers Megatrends include Fintech & Digital Payments, and AI in Financial Services. Themes include Online Banking & Lending, AI for Fraud Detection, Show more.

0	Attractive yield Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 7.0%, Dividend Yield is 2.6%
1	Cash is significant % of market cap Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -63%
2	Attractive cash flow generation CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 47%, CFO LTM is 4.0 Bil
3	Low stock price volatility Vol 12M is 34%
4	Capital ratio is >2x the minimum of 6% Tier 1 Capital / Risk Wtd Assets RatioTier 1 Capital / Risk-Weighted Assets is a common measure of financial strength for a bank. It reflects how much equity there is relative to assets where assets are weighted based on riskiness. Low ratios indicate the bank is highly vulnerable to even small changes in the value of their risk assets. is 15%
5	Uninsured deposits are low Uninsured Deposits Ratio %Fraction of deposits that exceed the insurance deposit thresholds. For example, the FDIC protects deposits up to $250K. A high uninsured deposits ratio indicates large accounts and greater potential exposure to bank run risk. is 8.4%
6	Megatrend and thematic drivers Megatrends include Fintech & Digital Payments, and AI in Financial Services. Themes include Online Banking & Lending, AI for Fraud Detection, Show more.
7	Trading close to highs Dist 52W High is -0.3%, Dist 3Y High is -0.3%
8	Weak multi-year price returns 2Y Excs Rtn is -2.0%
9	Weak revenue growth Rev Chg LTMRevenue Change % Last Twelve Months (LTM) is -3.3%, Rev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is -1.8%
10	Not cash flow generative FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is -3.0%
11	Key risks ALLY key risks include [1] substantial credit risk and potential asset quality deterioration stemming from its heavy concentration in consumer auto loans, Show more.

Valuation, Metrics & Events

	12/25/25	2024	2023	2022	2021
Share Price CYE	$46.25	$34.86	$32.77	$21.96	$41.35
Market Cap CYE ($ Bil)	14.4	10.7	10.0	6.6	14.3
Total Debt ($ Bil)	20.2	19.2	20.2	19.8	17.2
Total Cash ($ Bil)	29.2	29.3	26.7	31.2	38.4
Enterprise Value ($ Bil)	5.3	29.9	30.2	26.4	31.5
Valuation Ratios
P/S TTM	1.7	1.2	1.2	0.8	2.0
P/EBIT TTM	-	-	-	-	-
P/E TTM	22.7	16.5	11.1	4.5	5.6
P/FCF TTM	-55.0	10.3	5.9	2.9	-16.0
Sector Ratios
P/S TTM (Sector)	3.3	3.1	2.8	2.8	3.4
P/EBIT TTM (Sector)	8.1	8.3	7.3	7.6	7.2
P/E TTM (Sector)	12.0	11.6	10.1	9.4	10.1
P/FCF TTM (Sector)	8.8	8.8	7.8	6.5	7.4

	12/25/25	2024	2023
Share Price CYE	$46.25	$34.86	$32.77
Market Cap CYE ($ Bil)	14.4	10.7	10.0
Total Debt ($ Bil)	20.2	19.2	20.2
Total Cash ($ Bil)	29.2	29.3	26.7
Enterprise Value ($ Bil)	5.3	29.9	30.2
Valuation Ratios
P/S TTM	1.7	1.2	1.2
P/EBIT TTM	-	-	-
P/E TTM	22.7	16.5	11.1
P/FCF TTM	-55.0	10.3	5.9
Sector Ratios
P/S TTM (Sector)	3.3	3.1	2.8
P/EBIT TTM (Sector)	8.1	8.3	7.3
P/E TTM (Sector)	12.0	11.6	10.1
P/FCF TTM (Sector)	8.8	8.8	7.8

	ALLY	S&P 500
REVENUE GROWTH	VERY POOR
Rev LTM ($ Bil)	8.6
Rev Chg Q	3.3%	7.3%
Rev Chg LTM	-3.3%	6.1%
Rev Chg 3Y Avg	-1.8%	5.5%
PROFITABILITY	POOR
Op Inc LTM ($ Bil)	�
CFO LTM ($ Bil)	4.0
Net Inc LTM ($ Bil)	0.6
CFO/Rev LTM	46.7%	20.4%
Net Inc Mgn	7.3%	13.1%
VALUATION	MODERATE
P/S	1.7	3.3
P/CFO	3.6	15.8
P/FCF	-55.0	20.7
P/E	22.7	23.5

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Metric	Value	Date	Source
Consumer Auto Originations	11700000000	9302025	Link
Consumer Auto Applications	4000000	9302025	Link
Retail Deposit Customers	3400000	9302025	Link
Dealers Served	22000	3312025	Link
Customer Retention Rate	96%	3312024	Link
Common Equity Tier 1 (CET1) Capital Ratio	10.1%	9302025	Link
Total Customers	11000000	3312025	Link
Retail Deposits	142000000000	9302025	Link
Insurance Written Premiums	385000000	9302025	Link

Upcoming
1/21/2026	Earnings Release	Rev: $2.0 Bil (E) EPS: $1.02 (E)
4/15/2026	Earnings Release	Rev: - EPS: -

ALLY Stock

Return (1M):

Why The Stock Moved

Qualitative Assessment

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The approximate 13.6% movement in Ally Financial (ALLY) stock from August 31, 2025, to December 26, 2025, can be attributed to several key developments:

1. Significant Analyst Upgrades and Increased Price Targets: Financial institutions demonstrated strong confidence in Ally Financial through multiple upgrades and increased price targets during the period. Wells Fargo, for instance, upgraded Ally Financial to "Overweight" with a new price target of $52.00 from $45.00, representing a 15.56% increase in December 2025. Similarly, TD Cowen upgraded Ally Financial to "Buy" in October 2025, raising its price target from $43.00 to $50.00, a 16.28% increase.

2. Announcement of a Substantial Share Repurchase Program: Ally Financial authorized a new share repurchase program of up to $2 billion in December 2025. This strategic move signals effective capital management and a commitment to returning value to shareholders, which often positively influences stock performance.

Show more The approximate 13.6% movement in Ally Financial (ALLY) stock from August 31, 2025, to December 26, 2025, can be attributed to several key developments:

1. Significant Analyst Upgrades and Increased Price Targets: Financial institutions demonstrated strong confidence in Ally Financial through multiple upgrades and increased price targets during the period. Wells Fargo, for instance, upgraded Ally Financial to "Overweight" with a new price target of $52.00 from $45.00, representing a 15.56% increase in December 2025. Similarly, TD Cowen upgraded Ally Financial to "Buy" in October 2025, raising its price target from $43.00 to $50.00, a 16.28% increase.

2. Announcement of a Substantial Share Repurchase Program: Ally Financial authorized a new share repurchase program of up to $2 billion in December 2025. This strategic move signals effective capital management and a commitment to returning value to shareholders, which often positively influences stock performance.

3. Improved Outlook for Auto Lending and Net Interest Margin Expansion: Analysts cited an improved outlook in the auto lending segment as a key driver for Ally Financial's positive trajectory. Additionally, the potential for net interest margin expansion contributed to a more optimistic view of the company's future profitability.

4. Strong Market Performance and Reaching a 52-Week High: Ally Financial's stock exhibited robust momentum, reaching a 52-week high of $46.25 USD by December 22, 2025. This milestone, alongside a reported 25.64% gain over the six months prior, indicates strong investor confidence and a positive market sentiment.

5. Positive Third-Quarter Financial Results and Favorable Future Projections: The company's solid third-quarter financial results for 2025 and analyst projections, which include expectations for a return on tangible common equity of approximately 14% by 2027, bolstered investor optimism regarding Ally Financial's financial health and growth potential. Show less

Stock Movement Drivers

Fundamental Drivers

The 14.1% change in ALLY stock from 9/25/2025 to 12/25/2025 was primarily driven by a 44.9% change in the company's Net Income Margin (%).

	9252025	12252025	Change
Stock Price ($)	40.52	46.25	14.15%
Change Contribution By	LTM	LTM
Total Revenues ($ Mil)	8572.00	8648.00	0.89%
Net Income Margin (%)	5.05%	7.32%	44.90%
P/E Multiple	29.00	22.68	-21.80%
Shares Outstanding (Mil)	309.89	310.34	-0.14%
Cumulative Contribution			14.15%

LTM = Last Twelve Months as of date shown

Market Drivers

9/25/2025 to 12/25/2025

	Return	Correlation
ALLY	14.2%
Market (SPY)	4.9%	57.6%
Sector (XLF)	4.2%	76.7%

Fundamental Drivers

The 21.1% change in ALLY stock from 6/26/2025 to 12/25/2025 was primarily driven by a 106.3% change in the company's Net Income Margin (%).

	6262025	12252025	Change
Stock Price ($)	38.18	46.25	21.14%
Change Contribution By	LTM	LTM
Total Revenues ($ Mil)	8454.00	8648.00	2.29%
Net Income Margin (%)	3.55%	7.32%	106.27%
P/E Multiple	39.32	22.68	-42.34%
Shares Outstanding (Mil)	309.01	310.34	-0.43%
Cumulative Contribution			21.14%

LTM = Last Twelve Months as of date shown

Market Drivers

6/26/2025 to 12/25/2025

	Return	Correlation
ALLY	21.2%
Market (SPY)	13.1%	58.6%
Sector (XLF)	8.0%	71.7%

Fundamental Drivers

The 33.6% change in ALLY stock from 12/25/2024 to 12/25/2025 was primarily driven by a 22.2% change in the company's P/E Multiple.

	12252024	12252025	Change
Stock Price ($)	34.61	46.25	33.63%
Change Contribution By	LTM	LTM
Total Revenues ($ Mil)	8947.00	8648.00	-3.34%
Net Income Margin (%)	6.40%	7.32%	14.29%
P/E Multiple	18.56	22.68	22.16%
Shares Outstanding (Mil)	307.31	310.34	-0.99%
Cumulative Contribution			33.62%

LTM = Last Twelve Months as of date shown

Market Drivers

12/25/2024 to 12/25/2025

	Return	Correlation
ALLY	33.8%
Market (SPY)	15.8%	70.8%
Sector (XLF)	14.9%	72.4%

Fundamental Drivers

The 115.2% change in ALLY stock from 12/26/2022 to 12/25/2025 was primarily driven by a 614.6% change in the company's P/E Multiple.

	12262022	12252025	Change
Stock Price ($)	21.50	46.25	115.16%
Change Contribution By	LTM	LTM
Total Revenues ($ Mil)	9139.00	8648.00	-5.37%
Net Income Margin (%)	22.85%	7.32%	-67.96%
P/E Multiple	3.17	22.68	614.60%
Shares Outstanding (Mil)	308.22	310.34	-0.69%
Cumulative Contribution			115.15%

LTM = Last Twelve Months as of date shown

Market Drivers

12/26/2023 to 12/25/2025

	Return	Correlation
ALLY	42.2%
Market (SPY)	48.3%	58.8%
Sector (XLF)	52.6%	66.0%

Return vs. Risk

Price Returns Compared

	2020	2021	2022	2023	2024	2025	Total [1]
Returns
ALLY Return	21%	36%	-47%	49%	6%	33%	84%
Peers Return	-7%	43%	-26%	25%	51%	42%	164%
S&P 500 Return	16%	27%	-19%	24%	23%	18%	115%
Monthly Win Rates [3]
ALLY Win Rate	83%	67%	42%	58%	58%	58%
Peers Win Rate	52%	65%	43%	57%	67%	67%
S&P 500 Win Rate	58%	75%	42%	67%	75%	73%
Max Drawdowns [4]
ALLY Max Drawdown	-61%	-1%	-49%	-8%	-8%	-16%
Peers Max Drawdown	-56%	-2%	-36%	-13%	-4%	-18%
S&P 500 Max Drawdown	-31%	-1%	-25%	-1%	-2%	-15%

[1] Cumulative total returns since the beginning of 2020
[2] Peers: COF, JPM, WFC, SYF, GM. See ALLY Returns vs. Peers.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2025 data is for the year up to 12/24/2025 (YTD)

How Low Can It Go

Unique Key	Event	ALLY	S&P 500
2022 Inflation Shock	2022 Inflation Shock
2022 Inflation Shock% Loss	% Loss	-60.3%	-25.4%
2022 Inflation Shock% Gain to Breakeven	% Gain to Breakeven	151.9%	34.1%
2022 Inflation ShockTime to Breakeven	Time to Breakeven	Not Fully Recovered days	464 days
2020 Covid Pandemic	2020 Covid Pandemic
2020 Covid Pandemic% Loss	% Loss	-64.6%	-33.9%
2020 Covid Pandemic% Gain to Breakeven	% Gain to Breakeven	182.6%	51.3%
2020 Covid PandemicTime to Breakeven	Time to Breakeven	264 days	148 days
2018 Correction	2018 Correction
2018 Correction% Loss	% Loss	-32.7%	-19.8%
2018 Correction% Gain to Breakeven	% Gain to Breakeven	48.6%	24.7%
2018 CorrectionTime to Breakeven	Time to Breakeven	186 days	120 days

Compare to BAC, WFC, COF, AXP, SOFI

In The Past

Ally Financial's stock fell -60.3% during the 2022 Inflation Shock from a high on 6/1/2021. A -60.3% loss requires a 151.9% gain to breakeven.

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About Ally Financial (ALLY)

Business Description Analogies Products Customers Suppliers Management Key Risks Emerging Threats Market Size Revenue Drivers Capital Allocation

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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Analogy 1: The Discover Bank of online savings and auto loans.

Analogy 2: Like Capital One's online banking and auto finance, but without the physical branches.

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Automotive Finance: Provides consumer auto loans and leases, and commercial financing for automotive dealerships.
Retail Banking: Offers online checking, savings, money market, and certificate of deposit accounts for consumers.
Mortgage Lending: Originates and purchases residential mortgage loans for homebuyers.
Commercial Finance: Provides secured lending and leasing solutions to commercial businesses.
Insurance: Sells vehicle service contracts, guaranteed asset protection (GAP), and other vehicle-related insurance products.
Investment Services (Ally Invest): Offers self-directed brokerage and robo-advisor services for individual investors.

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Ally Financial (ALLY) Customer Categories

Ally Financial (symbol: ALLY) primarily serves individual customers across its diverse range of financial services. While the company partners with businesses, such as automobile dealerships, to distribute some of its products, the ultimate end-user and major customer for the vast majority of its offerings are consumers. Here are the major categories of individual customers served by Ally Financial:

Automotive Finance Customers: This category includes individuals who obtain financing (loans or leases) from Ally for the purchase of new or used vehicles. Ally's robust automotive finance segment works with a large network of dealerships, but the end customer receiving the financing product is the individual consumer.
Retail Banking Customers: These are individuals who utilize Ally Bank's online banking services. This includes customers with checking accounts, savings accounts, money market accounts, certificates of deposit (CDs), and those who secure mortgage loans through Ally Home. These customers are typically looking for convenient, digitally-focused banking solutions.
Investing Customers: This category encompasses individuals who use Ally Invest for their brokerage and wealth management needs. This includes self-directed investors engaged in trading stocks, ETFs, options, and mutual funds, as well as those who utilize Ally Invest's robo-advisory services for automated portfolio management.

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Ally Financial's major suppliers include:

Amazon (Symbol: AMZN) - Provides cloud computing services through Amazon Web Services (AWS).
Mastercard (Symbol: MA) - Provides payment network services for Ally's credit cards.
Experian (Symbol: EXPN) - A major credit reporting agency providing credit data.
Equifax (Symbol: EFX) - A major credit reporting agency providing credit data.
TransUnion (Symbol: TRU) - A major credit reporting agency providing credit data.

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Michael G. Rhodes, CEO & Director

Michael G. Rhodes became CEO and Director at Ally Financial Inc. and Ally Bank on April 29, 2024. He previously held leadership roles at Bank of America and MBNA America Bank. Prior to joining Ally, he served as the Chief Executive Officer and President at Discover Financial Services and as President at Discover Bank.

Russell E. Hutchinson, Chief Financial Officer

Russell E. Hutchinson serves as the Chief Financial Officer of Ally Financial. Sean Leary, the Chief Financial Planning and Investor Relations Officer, reports to him.

Hope Mehlman, Chief Legal & Corporate Affairs Officer

Hope Mehlman is the Chief Legal & Corporate Affairs Officer.

Kathleen Patterson, Chief Human Resources Officer

Kathleen Patterson is the Chief Human Resources Officer. She also assumes responsibility for the Ally Charitable Foundation.

Douglas Timmerman, President of Dealer Financial Services

Douglas Timmerman serves as the President of Ally Insurance and President of Dealer Financial Services.

AI Analysis | Feedback

Ally Financial (ALLY) faces several key risks to its business, primarily stemming from its significant exposure to the automotive finance sector and sensitivity to broader economic conditions. The most significant risks include: 1. Credit Risk and Asset Quality Deterioration: Ally Financial's heavy concentration in consumer auto loans, particularly those to subprime borrowers, exposes it to substantial credit risk. Elevated loan losses and rising subprime auto loan delinquencies are consistently highlighted as a major threat to the company's financial health. The company's credit portfolios are highly sensitive to economic shifts, and a weakening economy can lead to increased delinquencies and defaults. Ally has been actively managing these risks by tightening underwriting standards and focusing on higher credit quality originations. 2. Interest Rate Risk and Net Interest Margin (NIM) Compression: As a financial institution, Ally is highly dependent on its net interest income, which is influenced by market interest rates. The company is considered "liability-sensitive," meaning that its net interest margin can be negatively impacted by rapidly rising interest rates due to increased funding costs. Conversely, a rapid pace of Federal Reserve rate cuts could also put pressure on Ally's net interest margin as its floating-rate assets reprice downward. 3. Macroeconomic Uncertainty and Weak Consumer Spending: Broader economic fluctuations, including weaker consumer spending, rising consumer debt levels, and overall economic uncertainty, pose significant challenges to Ally's business. These macroeconomic factors can directly impact demand for auto loans and other financial products, as well as exacerbate credit risk by affecting consumers' ability to repay their debts. A challenging financial landscape, marked by potential declines in net income during economic downturns, reflects this overarching risk.

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The accelerating trend of automobile manufacturers, particularly electric vehicle (EV) makers, shifting to direct-to-consumer sales models, bypassing traditional dealerships. Ally's business relies heavily on its relationships with dealerships for auto loan origination. This shift could disrupt Ally's primary loan origination channel and necessitate a fundamental change in its auto finance strategy.
The increasing push by major technology companies into consumer financial services. Recent examples include Apple's launch of high-yield savings accounts and credit cards, leveraging its vast customer base and integrated ecosystem. These tech giants possess significant capital, brand recognition, and technological capabilities, posing a competitive threat to Ally's online banking and deposit franchise.

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Ally Financial (symbol: ALLY) operates in several addressable markets within the U.S.

Auto Finance: The addressable market for outstanding auto loans in the U.S. was $1.66 trillion as of the second quarter of 2025.
Mortgage Loans: The addressable market for outstanding mortgage debt in the U.S. was $12.94 trillion as of the second quarter of 2025. Mortgage originations in the U.S. totaled $1.69 trillion in 2024, and increased to $512.15 billion in the third quarter of 2025.
Online Banking: The U.S. digital banking market was valued at $235.94 billion in 2024.
Personal Loans: Americans collectively owed $257 billion in personal loans as of the second quarter of 2025.
Credit Cards: Outstanding credit card balances in the U.S. totaled $1.21 trillion in the second quarter of 2025.

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Ally Financial (NYSE: ALLY) is poised for future revenue growth over the next 2-3 years, driven by several strategic initiatives and ongoing business segment performance. Key drivers include:

Continued Growth in Consumer Auto Financing: Ally maintains its position as an industry-leading auto financing business. The company has consistently reported strong consumer auto originations, indicating a robust network of dealers and a focus on generating loans with compelling risk-adjusted returns. Future growth is expected to come from sustained activity in this core segment.
Expansion of Digital Banking and Deposit Base: As the nation's largest all-digital bank, Ally is focused on expanding its digital offerings and strengthening its funding base through continued retail deposit growth. The company has demonstrated consistent growth in retail deposit customers, with management announcing plans to further expand digital services and enhance deposit growth.
Robust Performance in Corporate Finance: Ally's corporate finance business is a strong contributor, providing capital for equity sponsors and middle-market companies. This segment has shown consistent performance, with a focus on prudently growing its held-for-investment loan portfolio, which is expected to contribute to future revenue.
Momentum in the Insurance Business: The company's insurance arm has demonstrated significant momentum, achieving record-high written premiums since its IPO and experiencing year-over-year growth. This business segment is expected to continue its upward trajectory, contributing to diversified revenue streams.
Net Interest Margin (NIM) Expansion: Ally anticipates an expansion in its net interest margin, particularly as funding costs stabilize and the company continues its strategic balance sheet repositioning. This involves running off lower-yielding mortgages and securities while adding higher-yielding retail auto and corporate finance assets, funded by its stable deposit base.

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Share Repurchases

Ally Financial completed a $2.0 billion share repurchase program in 2021.
The company authorized up to $2.0 billion of its common stock for repurchase, effective until December 31, 2022.
Ally suspended its share repurchase program on March 17, 2020.

Outbound Investments

Ally has made 20 investments in companies, including HopDrive and Mulberry.
Ally has acquired 7 companies, including Ollo.
In February 2025, Ally announced its intention to sell its credit card business to CardWorks, indicating a focus on core operations like car loans.

Capital Expenditures

Ally Financial's capital expenditures for fiscal years ending December 2020 to 2024 averaged $3.838 billion.
Capital expenditures peaked in December 2021 at $5.12 billion and reached a 5-year low of $2.759 billion in December 2023.
Capital expenditures increased in 2020 ($4.32 billion), 2021 ($5.12 billion), and 2024 ($3.46 billion), while decreasing in 2022 ($3.532 billion) and 2023 ($2.759 billion).

	Best Bets In Financials Sector
What You Pay
P/E	22.7	13.2	9.1	9.0	26.4	19.4	8.5	11.3	14.0	36.3	12.7
P/EBIT	�	10.5	5.7	6.9	19.8	15.1	6.2	9.0	10.8	24.6	8.1
What You Get
Rev Chg Q	3.3%	-35.5%	17.8%	-0.7%	-3.0%	19.0%	7.6%	6.0%	16.3%	13.3%	11.9%
Rev Chg LTM	-3.3%	24.0%	-4.9%	2.2%	5.8%	18.1%	8.9%	10.2%	21.1%	22.2%	3.9%
Rev Chg 3Y Avg	-1.8%	429.4%	22.0%	1.2%	8.9%	32.4%	10.3%	7.6%	23.5%	19.7%	2.1%
FCF/Rev 3Y Avg	11.0%	847.0%	120.8%	62.2%	61.9%	60.8%	58.4%	55.6%	54.7%	49.8%	49.6%

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Trade Ideas

Select ideas related to ALLY. For more, see Trefis Trade Ideas.

Unique Key	Date	Ticker	Company	Category	Trade Strategy	6M Fwd Rtn	12M Fwd Rtn	12M Max DD
WU_11212025_Dip_Buyer_FCFYield	11212025	WU	Western Union	Dip Buy	DB \| FCFY OPMDip Buy with High FCF Yield and High Margin Buying dips for companies with high FCF yield and meaningfully high operating margin	13.8%	13.8%	-0.4%
COIN_11212025_Monopoly_xInd_xCD_Getting_Cheaper	11212025	COIN	Coinbase Global	Monopoly	MY \| Getting CheaperMonopoly-Like with P/S Decline Large cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple	-0.3%	-0.3%	-0.5%
PYPL_11142025_Dip_Buyer_FCFYield	11142025	PYPL	PayPal	Dip Buy	DB \| FCFY OPMDip Buy with High FCF Yield and High Margin Buying dips for companies with high FCF yield and meaningfully high operating margin	-4.4%	-4.4%	-7.5%
V_11142025_Monopoly_xInd_xCD_Getting_Cheaper	11142025	V	Visa	Monopoly	MY \| Getting CheaperMonopoly-Like with P/S Decline Large cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple	7.6%	7.6%	-2.7%
WD_11072025_Dip_Buyer_ValueBuy	11072025	WD	Walker & Dunlop	Dip Buy	DB \| P/E OPMDip Buy with Low PE and High Margin Buying dips for companies with tame PE and meaningfully high operating margin	-11.2%	-11.2%	-12.1%

Recent Active Movers

Top Gainers

Ticker	Company	Mkt Cap (B)	1D Rtn	YTD Rtn
OMER	Omeros	0.9	75.5%	55.5%
DVAX	Dynavax Technologies	1.8	38.2%	20.4%
EWTX	Edgewise Therapeutics	2.9	25.5%	2.2%
AGIO	Agios Pharmaceuticals	1.7	18.6%	-11.2%
TVTX	Travere Therapeutics	3.6	13.9%	131.2%
KOD	Kodiak Sciences	1.6	13.2%	212.4%
RZLT	Rezolute	0.3	13.2%	-44.1%
UP	Wheels Up Experience	0.5	11.7%	-57.4%
FBYD	Falcons Beyond Global	0.7	9.5%	129.7%
BW	Babcock & Wilcox Enterprises	0.5	8.5%	226.2%

Top Losers

Ticker	Company	Mkt Cap (B)	1D Rtn	YTD Rtn
ASTS	AST SpaceMobile	18.9	-8.9%	269.9%
QBTS	D-Wave Quantum	9.4	-5.5%	227.6%
NNE	Nano Nuclear Energy	1.2	-4.6%	21.7%
MNMD	Mind Medicine	1.2	-4.2%	93.0%
PPTA	Perpetua Resources	2.0	-4.0%	149.1%
KOS	Kosmos Energy	0.4	-4.0%	-73.6%
FRMI	Fermi	5.5	-4.0%	-75.7%
EXOD	Exodus Movement	0.4	-3.9%	-50.5%
TLRY	Tilray Brands	10.8	-3.6%	-23.7%
AEHR	Aehr Test Systems	0.7	-3.1%	32.7%

Top Gainers

Ticker	Company	Mkt Cap (B)	1W Rtn	YTD Rtn
OMER	Omeros	0.9	74.0%	55.5%
LUNR	Intuitive Machines	2.0	63.7%	-8.0%
AAOI	Applied Optoelectronics	2.6	51.1%	11.2%
FBYD	Falcons Beyond Global	0.7	47.2%	129.7%
FLY	Firefly Aerospace	3.8	45.9%	-55.2%
RKLB	Rocket Lab	39.8	43.0%	203.0%
DVAX	Dynavax Technologies	1.8	42.5%	20.4%
UAMY	United States Antimony	0.8	39.9%	258.8%
DJT	Trump Media & Technology	4.0	36.7%	-58.0%
RZLT	Rezolute	0.3	36.3%	-44.1%

Top Losers

Ticker	Company	Mkt Cap (B)	1W Rtn	YTD Rtn
NOW	ServiceNow	31.7	-80.5%	-28.0%
TPL	Texas Pacific Land	6.8	-66.5%	-19.2%
LW	Lamb Weston	6.0	-28.6%	-34.8%
TLRY	Tilray Brands	10.8	-21.2%	-23.7%
INSP	Inspire Medical Systems	2.8	-19.1%	-48.4%
TDUP	ThredUp	0.8	-17.1%	354.7%
OLMA	Olema Pharmaceuticals	2.3	-15.8%	370.8%
IIPR	Innovative Industrial Properties	1.4	-12.9%	-15.7%
ABM	ABM Industries	2.6	-12.6%	-15.8%
FRMI	Fermi	5.5	-12.6%	-75.7%

Top Gainers

Ticker	Company	Mkt Cap (B)	1M Rtn	YTD Rtn
WVE	WAVE Life Sciences	3.0	144.6%	47.5%
TE	T1 Energy	1.1	124.5%	418.4%
ANF	Abercrombie & Fitch	6.0	93.2%	-15.2%
VERA	Vera Therapeutics	3.6	90.4%	31.6%
LUNR	Intuitive Machines	2.0	85.7%	-8.0%
AAOI	Applied Optoelectronics	2.6	82.5%	11.2%
RKLB	Rocket Lab	39.8	81.8%	203.0%
PL	Planet Labs PBC	6.2	76.1%	403.0%
NRGV	Energy Vault	0.8	66.9%	118.9%
FLY	Firefly Aerospace	3.8	60.4%	-55.2%

Top Losers

Ticker	Company	Mkt Cap (B)	1M Rtn	YTD Rtn
RZLT	Rezolute	0.3	-72.0%	-44.1%
JANX	Janux Therapeutics	0.9	-54.6%	-73.3%
LENZ	LENZ Therapeutics	0.5	-46.3%	-40.6%
FRMI	Fermi	5.5	-45.2%	-75.7%
GOGO	Gogo	0.6	-34.1%	-43.0%
HPK	HighPeak Energy	0.6	-30.8%	-69.2%
ORIC	ORIC Pharmaceuticals	0.7	-28.5%	4.5%
FDMT	4D Molecular Therapeutics	0.5	-25.6%	45.4%
NKTR	Nektar Therapeutics	0.6	-25.1%	215.0%
LW	Lamb Weston	6.0	-24.8%	-34.8%

Peer Comparisons for Ally Financial

Peers to compare with:

Financials

	ALLY	COF	JPM	WFC	SYF	GM	Median
Name	Ally Fin.	Capital .	JPMorgan.	Wells Fa.	Synchron.	General .
Mkt Price	46.25	248.50	329.01	95.50	86.25	82.80	90.88
Mkt Cap	14.4	158.8	908.9	303.9	31.6	78.2	118.5
Rev LTM	8,648	48,231	179,430	82,532	14,989	187,435	65,382
Op Inc LTM	-	-	-	-	-	8,078	8,078
FCF LTM	-261	20,845	-119,748	-14,218	9,750	-1,749	-1,005
FCF 3Y Avg	1,017	21,063	-65,107	9,172	9,228	-2,949	5,095
CFO LTM	4,040	22,335	-119,748	-14,218	9,750	24,212	6,895
CFO 3Y Avg	4,449	22,259	-65,107	9,172	9,228	22,252	9,200

Growth & Margins

	ALLY	COF	JPM	WFC	SYF	GM	Median
Name	Ally Fin.	Capital .	JPMorgan.	Wells Fa.	Synchron.	General .
Rev Chg LTM	-3.3%	25.4%	8.6%	0.2%	0.5%	2.6%	1.5%
Rev Chg 3Y Avg	-1.8%	13.4%	13.4%	2.9%	10.1%	8.6%	9.3%
Rev Chg Q	3.3%	54.4%	8.8%	5.3%	0.2%	-0.3%	4.3%
QoQ Delta Rev Chg LTM	0.9%	12.7%	2.1%	1.3%	0.1%	-0.1%	1.1%
Op Mgn LTM	-	-	-	-	-	4.3%	4.3%
Op Mgn 3Y Avg	-	-	-	-	-	5.8%	5.8%
QoQ Delta Op Mgn LTM	-	-	-	-	-	-1.4%	-1.4%
CFO/Rev LTM	46.7%	46.3%	-66.7%	-17.2%	65.0%	12.9%	29.6%
CFO/Rev 3Y Avg	49.6%	55.1%	-36.4%	11.2%	64.3%	12.3%	31.0%
FCF/Rev LTM	-3.0%	43.2%	-66.7%	-17.2%	65.0%	-0.9%	-2.0%
FCF/Rev 3Y Avg	11.0%	52.2%	-36.4%	11.2%	64.3%	-1.6%	11.1%

Valuation

	ALLY	COF	JPM	WFC	SYF	GM	Median
Name	Ally Fin.	Capital .	JPMorgan.	Wells Fa.	Synchron.	General .
Mkt Cap	14.4	158.8	908.9	303.9	31.6	78.2	118.5
P/S	1.7	3.3	5.1	3.7	2.1	0.4	2.7
P/EBIT	-	-	-	-	-	14.0	14.0
P/E	22.7	112.2	15.7	14.4	8.8	25.7	19.2
P/CFO	3.6	7.1	-7.6	-21.4	3.2	3.2	3.2
Total Yield	7.0%	1.7%	6.4%	8.7%	12.7%	4.7%	6.7%
Dividend Yield	2.6%	0.8%	0.0%	1.8%	1.3%	0.8%	1.1%
FCF Yield 3Y Avg	12.5%	36.3%	-7.5%	6.9%	50.5%	-5.8%	9.7%
D/E	1.4	0.3	0.5	0.7	0.5	1.7	0.6
Net D/E	-0.6	-0.1	-0.3	-0.5	-0.1	1.3	-0.2

Returns

	ALLY	COF	JPM	WFC	SYF	GM	Median
Name	Ally Fin.	Capital .	JPMorgan.	Wells Fa.	Synchron.	General .
1M Rtn	13.5%	15.9%	8.6%	12.2%	12.7%	14.0%	13.1%
3M Rtn	14.1%	12.1%	5.5%	13.9%	16.6%	36.9%	14.0%
6M Rtn	21.1%	18.8%	15.0%	20.8%	32.1%	69.2%	21.0%
12M Rtn	33.6%	38.2%	38.7%	36.3%	31.8%	56.3%	37.2%
3Y Rtn	115.2%	188.6%	169.8%	152.0%	182.4%	152.5%	161.2%
1M Excs Rtn	13.3%	15.6%	7.0%	9.4%	12.3%	13.5%	12.8%
3M Excs Rtn	9.2%	7.2%	0.5%	8.9%	11.6%	32.0%	9.0%
6M Excs Rtn	8.3%	5.9%	2.2%	7.9%	19.2%	56.3%	8.1%
12M Excs Rtn	20.2%	24.0%	24.5%	21.8%	17.2%	44.6%	22.9%
3Y Excs Rtn	37.9%	116.2%	90.8%	65.2%	103.9%	59.7%	78.0%

FDIC Bank Data

Bank Capital

FDIC Data As Of	12312006
CAPITAL
Equity Total Capital ($ Bil)	2
Tier 1 (Core) Capital ($ Bil)	2
ASSETS
Total Assets ($ Bil)	20
Adjusted Average Assets ($ Bil)	20
Risk Weighted Assets Adjusted ($ Bil)	14
LEVERAGE RATIOS
Tier 1 Capital / Total Assets Ratio	10.8%
Tier 1 Capital / Adjusted Avg Assets Ratio	10.6%
Tier 1 Capital / Risk Wtd Assets Ratio	14.8%

Bank Deposits

FDIC Data As Of	12312006
DEPOSITS
Total Deposits ($ Bil)	10
Uninsured Deposits ($ Bil)	1
Uninsured Deposits Ratio %	8.4%

Bank Assets

FDIC Data As Of	12312006
ASSETS
Cash Balance ($ Bil)	0
Securities ($ Bil)	0
Net Loans ($ Bil)	16
Trading Assets ($ Bil)	0
Bank Premises Assets ($ Bil)	0
Other Real Estate Owned ($ Bil)	0
Goodwill & Intangibles ($ Bil)	0
Other Assets ($ Bil)	3
Total Assets (Sum) ($ Bil)	19
Total Assets (Reported) ($ Bil)	20
Risk Weighted Assets ($ Bil)	14
SECURITIES DETAILS
US Govt Securities ($ Bil)	0
Equity Securities Not Held for Trading ($ Bil)	0
Total Debt Securities ($ Bil)	0
Mortgage-Backed Securities ($ Bil)	0
SECURITIES VALUATION
Securities Held to Maturity (Book Value) ($ Bil)	0
Securities Available for Sale (Fair Market) ($ Bil)	0

Bank Loans

FDIC Data As Of	12312006
LOAN DETAILS
All Real Estate Loans ($ Bil)	14
Farm Loans ($ Bil)	0
Commercial and Industrial Loans ($ Bil)	0
Loans to Individuals (CC, revolving credit, auto, other) (non-mortgage) ($ Bil)	3
Commercial Real Estate Loans not Secured by Real Estate ($ Bil)	0

FDA Approved Drugs Data

Expand for Morenull

Financials

Annual
Quarterly

$ Mil \| FY: 12/31	LTM	2024	2023	2022	2021	2020	2019
Period End	9/30/2025	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019
Filing Date	10/30/2025	2/19/2025	2/20/2024	2/24/2023	2/25/2022	2/24/2021	2/25/2020
Key Financials
Total Revenue	8,648	8,897	9,070	9,240	8,780	7,478	7,315
Net Income	633	668	957	1,714	3,060	1,085	1,715
EPS	1.68	1.82	2.79	5.06	8.28	2.89	4.36
Growth Rates
Total Revenue Growth	-3.3%	-1.9%	-1.8%	5.2%	17.4%	2.2%	7.8%
Net Income Growth	10.5%	-30.2%	-44.2%	-44.0%	182.0%	-36.7%	35.8%
Margins
Net Income Margin	7.3%	7.5%	10.6%	18.5%	34.9%	14.5%	23.4%
Cash & Debt
Total Cash	29,230	29,302	26,660	31,212	38,446	45,306	31,939
Total Debt	20,205	19,231	20,233	19,799	17,204	24,329	39,754
Net Debt / (Cash)	-9,025	-10,071	-6,427	-11,413	-21,242	-20,977	7,815
Cash Flows
Net Cash from Operations	4,040	4,528	4,557	6,247	4,042	3,739	4,050
Free Cash from Operations	-261	1,068	1,798	2,715	-1,078	-581	27
Returns to Shareholders
Dividends	377	482	478	494	381	289	273
Share Repurchases	43	38	33	1,650	4,704	106	1,039

$ Mil \| FY: 12/31	2025Q3	2025Q2	2025Q1	2024Q4	2024Q3	2024Q2	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4
Period End	9/30/2025	6/30/2025	3/31/2025	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022
Filing Date	10/30/2025	8/4/2025	5/5/2025	2/19/2025	11/5/2024	8/5/2024	5/6/2024	2/20/2024	10/31/2023	8/1/2023	5/2/2023	2/24/2023
Key Financials Quarterly
Total Revenue	2,370	2,283	1,755	2,240	2,294	2,165	2,198	2,290	2,172	2,264	2,344	2,435
Net Income	398	352	-225	108	198	219	143	13	296	329	319	278
EPS	1.19	1.05	-0.82	0.26	0.55	0.63	0.38	0.16	0.88	0.99	0.96	0.83
Key Financials TTM
Total Revenue TTM	8,648	8,572	8,454	8,897	8,947	8,825	8,924	9,070	9,215	9,246	9,252	9,240
Net Income TTM	633	433	300	668	573	671	781	957	1,222	1,225	1,378	1,714
Growth Rates Quarterly
Total Revenue Growth	3.3%	5.5%	-20.2%	-2.2%	5.6%	-4.4%	-6.2%	-6.0%	-1.4%	-0.3%	0.5%	4.3%
Net Income Growth	101.0%	60.7%	-257.3%	730.8%	-33.1%	-33.4%	-55.2%	-95.3%	-1.0%	-31.7%	-51.3%	-57.4%
Margins Quarterly
Net Income Margin	16.8%	15.4%	-12.8%	4.8%	8.6%	10.1%	6.5%	0.6%	13.6%	14.5%	13.6%	11.4%
Cash & Debt
Total Cash	29,230	28,789	28,555	29,302	28,521	25,373	28,150	26,660	30,909	33,636	34,330	31,212
Total Debt	20,205	18,899	19,021	19,231	18,312	17,665	17,131	20,233	21,894	21,463	21,310	19,799
Net Debt / (Cash)	-9,025	-9,890	-9,534	-10,071	-10,209	-7,708	-11,019	-6,427	-9,015	-12,173	-13,020	-11,413
Cash Flows Quarterly
FCF from Operations	1,202	947	940	951	857	1,454	1,266	-123	1,660	1,588	1,432	1,173
Cash Flows TTM
FCF from Operations TTM	4,040	3,695	4,202	4,528	3,454	4,257	4,391	4,557	5,853	5,795	6,038	6,247
Returns to Shareholders Quarterly
Dividends	93	92	100	92	92	91	97	91	90	91	96	86
Share Repurchases	1	1	34	7	1	1	29	4	-0	2	27	51
Return on Invested Capital (ROIC) Quarterly
ROIC	-	-	-	-	-	-	-	17.8%	-	-	-	-
Return on Invested Capital (ROIC) TTM
ROIC TTM	-	-	-	-	-	-	-	305.4%	-	-	-	-

Segment Financials

Revenue by Segment

$ Mil	2024	2023	2022	2021	2020
Automotive Finance operations	5,838	5,530	5,460	4,488	4,390
Insurance operations	1,532	1,112	1,404	1,376	1,328
Corporate Finance operations	534	456	436	344	284
Corporate and Other	330	1,082	688	258	199
Mortgage Finance operations		248	218	220	193
Total	8,234	8,428	8,206	6,686	6,394

Assets by Segment

$ Mil	2024	2023	2022	2021	2020
Automotive Finance operations	115,301	111,463	103,653	104,794	113,863
Corporate and Other	60,735	41,631	43,283	47,237	36,168
Corporate Finance operations	11,212	10,544	7,950	6,108	5,787
Insurance operations	9,081	8,659	9,381	9,137	8,547
Mortgage Finance operations		19,529	17,847	14,889	16,279
Total	196,329	191,826	182,114	182,165	180,644

Price Behavior

Price Behavior

Market Price	$46.29
Market Cap ($ Bil)	14.4
First Trading Date	01/28/2014
Distance from 52W High	-0.3%
	50 Days	200 Days
DMA Price	$41.24	$37.93
DMA Trend	up	up
Distance from DMA	12.3%	22.1%
	3M	1YR
Volatility	32.3%	34.0%
Downside Capture	102.24	113.82
Upside Capture	141.79	126.22
Correlation (SPY)	58.3%	70.9%

ALLY Betas & Captures as of 11/30/2025

	1M	2M	3M	6M	1Y	3Y
Beta	1.56	1.57	1.55	1.57	1.24	1.39
Up Beta	0.48	1.13	1.50	1.99	1.19	1.40
Down Beta	1.47	2.76	2.51	2.18	1.40	1.30
Up Capture	240%	137%	99%	124%	121%	299%
Bmk +ve Days	12	25	38	73	141	426
Stock +ve Days	12	24	33	68	129	393
Down Capture	158%	110%	123%	115%	113%	108%
Bmk -ve Days	7	16	24	52	107	323
Stock -ve Days	6	16	28	54	115	350

[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively

Based On 1-Year Data

		Comparison of ALLY With Other Asset Classes (Last 1Y)
	ALLY	Sector ETF	Equity	Gold	Commodities	Real Estate	Bitcoin
Annualized Return	38.1%	18.3%	19.2%	71.9%	8.9%	6.0%	-10.1%
Annualized Volatility	33.7%	19.0%	19.5%	19.3%	15.3%	17.1%	35.0%
Sharpe Ratio	1.00	0.75	0.78	2.69	0.36	0.18	-0.12
Correlation With Other Assets		72.3%	70.8%	-4.7%	26.8%	55.2%	29.6%

ETFs used for asset classes: Sector ETF = XLF, Equity = SPY, Gold = GLD, Commodities = DBC, Real Estate = VNQ, and Bitcoin = BTCUSD
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Based On 5-Year Data

		Comparison of ALLY With Other Asset Classes (Last 5Y)
	ALLY	Sector ETF	Equity	Gold	Commodities	Real Estate	Bitcoin
Annualized Return	9.6%	16.3%	14.9%	18.7%	11.7%	4.8%	32.7%
Annualized Volatility	38.5%	18.9%	17.1%	15.5%	18.7%	18.9%	48.7%
Sharpe Ratio	0.34	0.72	0.70	0.97	0.51	0.17	0.60
Correlation With Other Assets		70.8%	62.0%	3.9%	20.4%	51.9%	27.6%

Based On 10-Year Data

		Comparison of ALLY With Other Asset Classes (Last 10Y)
	ALLY	Sector ETF	Equity	Gold	Commodities	Real Estate	Bitcoin
Annualized Return	12.5%	13.0%	14.7%	14.9%	6.9%	5.2%	69.3%
Annualized Volatility	39.6%	22.3%	18.0%	14.8%	17.6%	20.8%	55.8%
Sharpe Ratio	0.43	0.54	0.70	0.83	0.31	0.22	0.90
Correlation With Other Assets		73.9%	64.0%	-0.9%	27.5%	55.9%	18.9%

Short Interest

Short Interest: As Of Date	12152025
Short Interest: Shares Quantity	10,756,715
Short Interest: % Change Since 11302025	7.2%
Average Daily Volume	3,629,368
Days-to-Cover Short Interest	2.96
Basic Shares Quantity	310,342,000
Short % of Basic Shares	3.5%

Returns Analyses

	Title
0	Would You Still Hold Ally Financial Stock If It Fell 30%?
1	Ally Financial Stock Return Comparison
2	Ally Financial Total Shareholder Return (TSR): -46.1% in 2022 and -4.4% 3-yr returns (below peer average)

Earnings Returns History

Expand for More

	Forward Returns
Earnings Date	1D Returns	5D Returns	21D Returns
10/17/2025	3.6%	6.7%	3.0%
7/18/2025	-0.9%	-4.6%	-2.7%
4/17/2025	-1.7%	3.1%	13.0%
1/22/2025	3.9%	2.3%	2.7%
10/18/2024	-2.3%	-3.8%	1.9%
7/17/2024	-2.3%	-4.9%	-7.0%
4/18/2024	6.7%	9.6%	12.2%
1/19/2024	10.7%	14.8%	12.9%
...
SUMMARY STATS
# Positive	13	11	16
# Negative	11	13	8
Median Positive	3.9%	4.9%	8.5%
Median Negative	-3.6%	-4.6%	-4.1%
Max Positive	20.0%	23.3%	19.7%
Max Negative	-7.9%	-15.2%	-12.6%

	Forward Returns
10/17/2025	3.6%	6.7%	3.0%
7/18/2025	-0.9%	-4.6%	-2.7%
4/17/2025	-1.7%	3.1%	13.0%
1/22/2025	3.9%	2.3%	2.7%
10/18/2024	-2.3%	-3.8%	1.9%
7/17/2024	-2.3%	-4.9%	-7.0%
4/18/2024	6.7%	9.6%	12.2%
1/19/2024	10.7%	14.8%	12.9%
10/18/2023	0.9%	-10.4%	10.4%
7/19/2023	5.4%	2.7%	-3.3%
4/19/2023	2.2%	-4.7%	-1.5%
1/20/2023	20.0%	23.3%	19.7%
10/19/2022	-7.9%	-5.5%	-4.8%
7/19/2022	-3.6%	-4.3%	7.7%
4/14/2022	-5.0%	-0.6%	-8.1%
1/21/2022	-3.9%	-3.8%	2.2%
10/21/2021	-5.1%	-15.2%	-12.6%
7/20/2021	6.1%	8.2%	9.7%
4/16/2021	0.1%	0.2%	13.8%
1/22/2021	1.7%	-3.5%	7.3%
10/16/2020	2.7%	3.5%	8.1%
7/17/2020	-5.0%	-4.6%	1.9%
4/20/2020	-2.1%	-7.0%	9.0%
1/22/2020	6.8%	4.9%	-2.3%
SUMMARY STATS
# Positive	13	11	16
# Negative	11	13	8
Median Positive	3.9%	4.9%	8.5%
Median Negative	-3.6%	-4.6%	-4.1%
Max Positive	20.0%	23.3%	19.7%
Max Negative	-7.9%	-15.2%	-12.6%

SEC Filings

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Report Date	Filing Date	Filing
9302025	10302025	10-Q 9/30/2025
6302025	8042025	10-Q 6/30/2025
3312025	5052025	10-Q 3/31/2025
12312024	2192025	10-K 12/31/2024
9302024	11052024	10-Q 9/30/2024
6302024	8052024	10-Q 6/30/2024
3312024	5062024	10-Q 3/31/2024
12312023	2202024	10-K 12/31/2023
9302023	10312023	10-Q 9/30/2023
6302023	8012023	10-Q 6/30/2023
3312023	5022023	10-Q 3/31/2023
12312022	2242023	10-K 12/31/2022
9302022	11022022	10-Q 9/30/2022
6302022	8012022	10-Q 6/30/2022
3312022	5022022	10-Q 3/31/2022
12312021	2252022	10-K 12/31/2021

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2	SeekingAlpha	ValueLine
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4	CNBC	Etrade
5	MarketWatch	Unusual Whales
6	YCharts	Perplexity Finance
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Ally Financial (ALLY)

Market Price (12/25/2025): $46.25 | Market Cap: $14.4 BilSector: Financials | Industry: Consumer Finance

Ally Financial (ALLY)

Market Price (12/25/2025): $46.25Market Cap: $14.4 BilSector: FinancialsIndustry: Consumer Finance

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Market Price (12/25/2025): $46.25 | Market Cap: $14.4 Bil
Sector: Financials | Industry: Consumer Finance

Market Price (12/25/2025): $46.25
Market Cap: $14.4 Bil
Sector: Financials
Industry: Consumer Finance