Ally Financial (ALLY)
Market Price (9/7/2026): $43.725 | Market Cap: $13.5 BilSector: Financials | Industry: Consumer Finance
Ally Financial (ALLY)
Market Price (9/7/2026): $43.725Market Cap: $13.5 BilSector: FinancialsIndustry: Consumer Finance
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 14%, Dividend Yield is 2.8%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 9.3%, FCF Yield is 5.7% Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -38% Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 47%, CFO LTM is 4.6 Bil Stock buyback supportStock Buyback 3Y Total is 1.7 Bil Low stock price volatilityVol 12M is 30% 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% Uninsured deposits are lowUninsured 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% Megatrend and thematic driversMegatrends include Fintech & Digital Payments, and AI in Financial Services. Themes include Online Banking & Lending, AI for Fraud Detection, Show more. | Weak multi-year price returns2Y Excs Rtn is -29% | Key risksALLY key risks include [1] substantial credit risk and potential asset quality deterioration stemming from its heavy concentration in consumer auto loans, Show more. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 14%, Dividend Yield is 2.8%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 9.3%, FCF Yield is 5.7% |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -38% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 47%, CFO LTM is 4.6 Bil |
| Stock buyback supportStock Buyback 3Y Total is 1.7 Bil |
| Low stock price volatilityVol 12M is 30% |
| 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% |
| Uninsured deposits are lowUninsured 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% |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments, and AI in Financial Services. Themes include Online Banking & Lending, AI for Fraud Detection, Show more. |
| Weak multi-year price returns2Y Excs Rtn is -29% |
| Key risksALLY key risks include [1] substantial credit risk and potential asset quality deterioration stemming from its heavy concentration in consumer auto loans, Show more. |
Qualitative Assessment
AI Analysis | Feedback
Updated on 9/1/2026
Ally Financial (ALLY) stock has gained about 5% since 5/31/2026 because of the following key factors:
1. Mixed Fiscal Q2 2026 Earnings with Strong Revenue Growth and Improved Margins. Ally Financial reported adjusted earnings per share (EPS) of $1.21 for fiscal Q2 2026 (ended June 30, 2026), which slightly missed analyst estimates. However, adjusted net revenue of $2.3 billion exceeded expectations and increased 10% year-over-year. The company also demonstrated operational strength with an improved net interest margin (excluding original issue discount) of 3.63%, an 11 basis point increase sequentially, and robust consumer auto originations totaling $13.3 billion, driven by a record 4.6 million applications. This blend of a minor EPS miss against strong top-line growth and enhanced operational efficiency likely contributed to the stock's overall stability during the period.
2. Stable Interest Rate Environment and Federal Reserve Outlook. The Federal Reserve maintained the federal funds rate at 3.50%-3.75% in July 2026. Market expectations, as indicated by FedWatch, suggested only one potential rate hike for the remainder of 2026, with the Fed expected to remain on hold through 2026. This consistent interest rate policy provided a predictable operating landscape for Ally's lending businesses, helping to stabilize investor sentiment by reducing uncertainty around funding costs and loan pricing.
Show more
Ally Financial (ALLY) stock has gained about 5% since 5/31/2026 because of the following key factors:
1. Mixed Fiscal Q2 2026 Earnings with Strong Revenue Growth and Improved Margins. Ally Financial reported adjusted earnings per share (EPS) of $1.21 for fiscal Q2 2026 (ended June 30, 2026), which slightly missed analyst estimates. However, adjusted net revenue of $2.3 billion exceeded expectations and increased 10% year-over-year. The company also demonstrated operational strength with an improved net interest margin (excluding original issue discount) of 3.63%, an 11 basis point increase sequentially, and robust consumer auto originations totaling $13.3 billion, driven by a record 4.6 million applications. This blend of a minor EPS miss against strong top-line growth and enhanced operational efficiency likely contributed to the stock's overall stability during the period.
2. Stable Interest Rate Environment and Federal Reserve Outlook. The Federal Reserve maintained the federal funds rate at 3.50%-3.75% in July 2026. Market expectations, as indicated by FedWatch, suggested only one potential rate hike for the remainder of 2026, with the Fed expected to remain on hold through 2026. This consistent interest rate policy provided a predictable operating landscape for Ally's lending businesses, helping to stabilize investor sentiment by reducing uncertainty around funding costs and loan pricing.
Show more
Updated on 9/1/2026
Ally Financial (ALLY) stock has gained about 5% since 5/31/2026 because of the following key factors:
1. Mixed Fiscal Q2 2026 Earnings with Strong Revenue Growth and Improved Margins. Ally Financial reported adjusted earnings per share (EPS) of $1.21 for fiscal Q2 2026 (ended June 30, 2026), which slightly missed analyst estimates. However, adjusted net revenue of $2.3 billion exceeded expectations and increased 10% year-over-year. The company also demonstrated operational strength with an improved net interest margin (excluding original issue discount) of 3.63%, an 11 basis point increase sequentially, and robust consumer auto originations totaling $13.3 billion, driven by a record 4.6 million applications. This blend of a minor EPS miss against strong top-line growth and enhanced operational efficiency likely contributed to the stock's overall stability during the period.
2. Stable Interest Rate Environment and Federal Reserve Outlook. The Federal Reserve maintained the federal funds rate at 3.50%-3.75% in July 2026. Market expectations, as indicated by FedWatch, suggested only one potential rate hike for the remainder of 2026, with the Fed expected to remain on hold through 2026. This consistent interest rate policy provided a predictable operating landscape for Ally's lending businesses, helping to stabilize investor sentiment by reducing uncertainty around funding costs and loan pricing.
3. Resilient Consumer Spending Coupled with Mixed Auto Lending Trends. U.S. consumer spending increased by an annualized 3.4% in fiscal Q2 2026, contributing to overall economic growth. In the broader auto lending market, nominal auto loan originations reached a record $211 billion in fiscal Q2 2026, though serious auto loan delinquencies also hit a 15-year high for the industry. Despite these sector-wide affordability challenges and elevated vehicle prices, Ally reported an improvement in its retail auto net charge-off rate, which declined to 1.57% (down 18 basis points year-over-year). This counterbalancing of macro headwinds with company-specific credit quality improvements likely kept Ally's stock from experiencing significant volatility.
4. Positive Analyst Sentiment and Valuation Perception. On September 1, 2026, Raymond James reinstated coverage on Ally Financial with a "Strong Buy" rating and a $55 price target, citing expectations for improving net interest margins, stabilizing credit conditions, and stronger capital generation. This renewed positive analyst outlook, alongside the stock being considered "fairly valued" by certain metrics (e.g., GuruFocus GF Value™ of $40.51 versus a market price of $41.85 on September 1, 2026), likely provided support for the stock, preventing substantial downward price movement despite some post-earnings fluctuations.
Show less
Ally Financial (ALLY) stock has gained about 5% since 5/31/2026 because of the following key factors:
1. Mixed Fiscal Q2 2026 Earnings with Strong Revenue Growth and Improved Margins. Ally Financial reported adjusted earnings per share (EPS) of $1.21 for fiscal Q2 2026 (ended June 30, 2026), which slightly missed analyst estimates. However, adjusted net revenue of $2.3 billion exceeded expectations and increased 10% year-over-year. The company also demonstrated operational strength with an improved net interest margin (excluding original issue discount) of 3.63%, an 11 basis point increase sequentially, and robust consumer auto originations totaling $13.3 billion, driven by a record 4.6 million applications. This blend of a minor EPS miss against strong top-line growth and enhanced operational efficiency likely contributed to the stock's overall stability during the period.
2. Stable Interest Rate Environment and Federal Reserve Outlook. The Federal Reserve maintained the federal funds rate at 3.50%-3.75% in July 2026. Market expectations, as indicated by FedWatch, suggested only one potential rate hike for the remainder of 2026, with the Fed expected to remain on hold through 2026. This consistent interest rate policy provided a predictable operating landscape for Ally's lending businesses, helping to stabilize investor sentiment by reducing uncertainty around funding costs and loan pricing.
3. Resilient Consumer Spending Coupled with Mixed Auto Lending Trends. U.S. consumer spending increased by an annualized 3.4% in fiscal Q2 2026, contributing to overall economic growth. In the broader auto lending market, nominal auto loan originations reached a record $211 billion in fiscal Q2 2026, though serious auto loan delinquencies also hit a 15-year high for the industry. Despite these sector-wide affordability challenges and elevated vehicle prices, Ally reported an improvement in its retail auto net charge-off rate, which declined to 1.57% (down 18 basis points year-over-year). This counterbalancing of macro headwinds with company-specific credit quality improvements likely kept Ally's stock from experiencing significant volatility.
4. Positive Analyst Sentiment and Valuation Perception. On September 1, 2026, Raymond James reinstated coverage on Ally Financial with a "Strong Buy" rating and a $55 price target, citing expectations for improving net interest margins, stabilizing credit conditions, and stronger capital generation. This renewed positive analyst outlook, alongside the stock being considered "fairly valued" by certain metrics (e.g., GuruFocus GF Value™ of $40.51 versus a market price of $41.85 on September 1, 2026), likely provided support for the stock, preventing substantial downward price movement despite some post-earnings fluctuations.
Show less
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Stock Movement Drivers
Fundamental Drivers
The 2.9% change in ALLY stock from 5/31/2026 to 9/6/2026 was primarily driven by a 2.8% change in the company's Total Revenues ($ Mil).| (LTM values as of) | 5312026 | 9062026 | Change |
|---|---|---|---|
| Stock Price ($) | 42.51 | 43.73 | 2.9% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 9,368 | 9,629 | 2.8% |
| Net Income Margin (%) | 14.9% | 15.1% | 1.3% |
| P/E Multiple | 9.5 | 9.3 | -2.1% |
| Shares Outstanding (Mil) | 311 | 308 | 0.9% |
| Cumulative Contribution | 2.9% |
Market Drivers
5/31/2026 to 9/6/2026| Return | Correlation | |
|---|---|---|
| ALLY | 2.9% | |
| Market (SPY) | 1.8% | 49.2% |
| Sector (XLF) | 12.6% | 58.0% |
Fundamental Drivers
The 12.4% change in ALLY stock from 2/28/2026 to 9/6/2026 was primarily driven by a 55.4% change in the company's Net Income Margin (%).| (LTM values as of) | 2282026 | 9062026 | Change |
|---|---|---|---|
| Stock Price ($) | 38.90 | 43.73 | 12.4% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 8,770 | 9,629 | 9.8% |
| Net Income Margin (%) | 9.7% | 15.1% | 55.4% |
| P/E Multiple | 14.2 | 9.3 | -34.6% |
| Shares Outstanding (Mil) | 311 | 308 | 0.8% |
| Cumulative Contribution | 12.4% |
Market Drivers
2/28/2026 to 9/6/2026| Return | Correlation | |
|---|---|---|
| ALLY | 12.4% | |
| Market (SPY) | 12.6% | 50.8% |
| Sector (XLF) | 13.6% | 60.4% |
Fundamental Drivers
The 9.6% change in ALLY stock from 8/31/2025 to 9/6/2026 was primarily driven by a 198.9% change in the company's Net Income Margin (%).| (LTM values as of) | 8312025 | 9062026 | Change |
|---|---|---|---|
| Stock Price ($) | 39.90 | 43.73 | 9.6% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 8,572 | 9,629 | 12.3% |
| Net Income Margin (%) | 5.1% | 15.1% | 198.9% |
| P/E Multiple | 28.6 | 9.3 | -67.5% |
| Shares Outstanding (Mil) | 310 | 308 | 0.5% |
| Cumulative Contribution | 9.6% |
Market Drivers
8/31/2025 to 9/6/2026| Return | Correlation | |
|---|---|---|
| ALLY | 9.6% | |
| Market (SPY) | 20.4% | 52.3% |
| Sector (XLF) | 8.9% | 67.7% |
Fundamental Drivers
The 74.0% change in ALLY stock from 8/31/2023 to 9/6/2026 was primarily driven by a 48.8% change in the company's P/E Multiple.| (LTM values as of) | 8312023 | 9062026 | Change |
|---|---|---|---|
| Stock Price ($) | 25.13 | 43.73 | 74.0% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 9,246 | 9,629 | 4.1% |
| Net Income Margin (%) | 13.2% | 15.1% | 14.0% |
| P/E Multiple | 6.2 | 9.3 | 48.8% |
| Shares Outstanding (Mil) | 304 | 308 | -1.5% |
| Cumulative Contribution | 74.0% |
Market Drivers
8/31/2023 to 9/6/2026| Return | Correlation | |
|---|---|---|
| ALLY | 74.0% | |
| Market (SPY) | 77.1% | 55.8% |
| Sector (XLF) | 76.6% | 65.4% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| ALLY Return | 36% | -47% | 49% | 6% | 30% | -2% | 46% |
| Peers Return | 43% | -26% | 25% | 51% | 39% | 2% | 183% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | 13% | 106% |
Monthly Win Rates [3] | |||||||
| ALLY Win Rate | 67% | 42% | 58% | 58% | 58% | 33% | |
| Peers Win Rate | 65% | 43% | 57% | 67% | 67% | 53% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 56% | |
Max Drawdowns [4] | |||||||
| ALLY Max Drawdown | -19% | -54% | -37% | -27% | -24% | -23% | |
| Peers Max Drawdown | -18% | -43% | -27% | -15% | -28% | -23% | |
| S&P 500 Max Drawdown | -5% | -25% | -10% | -8% | -19% | -9% | |
[1] Cumulative total returns since the beginning of 2021
[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] 2026 data is for the year up to 9/4/2026 (YTD)
How Low Can It Go
| Event | ALLY | S&P 500 |
|---|---|---|
| 2025 US Tariff Shock | ||
| % Loss | -23.0% | -18.8% |
| % Gain to Breakeven | 29.9% | 23.1% |
| Time to Breakeven | 66 days | 79 days |
| Summer-Fall 2023 Five Percent Yield Shock | ||
| % Loss | -20.4% | -9.5% |
| % Gain to Breakeven | 25.7% | 10.5% |
| Time to Breakeven | 36 days | 24 days |
| 2023 SVB Regional Banking Crisis | ||
| % Loss | -32.9% | -6.7% |
| % Gain to Breakeven | 49.0% | 7.1% |
| Time to Breakeven | 271 days | 31 days |
| 2022 Inflation Shock & Fed Tightening | ||
| % Loss | -45.1% | -24.5% |
| % Gain to Breakeven | 82.1% | 32.4% |
| Time to Breakeven | 634 days | 427 days |
| 2020 COVID-19 Crash | ||
| % Loss | -58.7% | -33.7% |
| % Gain to Breakeven | 142.1% | 50.9% |
| Time to Breakeven | 202 days | 140 days |
| Q4 2018 Fed Policy Error / Growth Scare | ||
| % Loss | -22.3% | -19.2% |
| % Gain to Breakeven | 28.7% | 23.8% |
| Time to Breakeven | 37 days | 105 days |
In The Past
Ally Financial's stock fell -23.0% during the 2025 US Tariff Shock. Such a loss loss requires a 29.9% gain to breakeven.
Preserve Wealth
Limiting losses and compounding gains is essential to preserving wealth.
Asset Allocation
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| Event | ALLY | S&P 500 |
|---|---|---|
| 2025 US Tariff Shock | ||
| % Loss | -23.0% | -18.8% |
| % Gain to Breakeven | 29.9% | 23.1% |
| Time to Breakeven | 66 days | 79 days |
| Summer-Fall 2023 Five Percent Yield Shock | ||
| % Loss | -20.4% | -9.5% |
| % Gain to Breakeven | 25.7% | 10.5% |
| Time to Breakeven | 36 days | 24 days |
| 2023 SVB Regional Banking Crisis | ||
| % Loss | -32.9% | -6.7% |
| % Gain to Breakeven | 49.0% | 7.1% |
| Time to Breakeven | 271 days | 31 days |
| 2022 Inflation Shock & Fed Tightening | ||
| % Loss | -45.1% | -24.5% |
| % Gain to Breakeven | 82.1% | 32.4% |
| Time to Breakeven | 634 days | 427 days |
| 2020 COVID-19 Crash | ||
| % Loss | -58.7% | -33.7% |
| % Gain to Breakeven | 142.1% | 50.9% |
| Time to Breakeven | 202 days | 140 days |
| Q4 2018 Fed Policy Error / Growth Scare | ||
| % Loss | -22.3% | -19.2% |
| % Gain to Breakeven | 28.7% | 23.8% |
| Time to Breakeven | 37 days | 105 days |
| 2015-2016 China Devaluation / Global Growth Scare | ||
| % Loss | -29.7% | -12.2% |
| % Gain to Breakeven | 42.2% | 13.9% |
| Time to Breakeven | 373 days | 62 days |
| 2014-2016 Oil Price Collapse | ||
| % Loss | -37.7% | -6.8% |
| % Gain to Breakeven | 60.5% | 7.3% |
| Time to Breakeven | 613 days | 15 days |
In The Past
Ally Financial's stock fell -23.0% during the 2025 US Tariff Shock. Such a loss loss requires a 29.9% gain to breakeven.
Preserve Wealth
Limiting losses and compounding gains is essential to preserving wealth.
Asset Allocation
Actively managed asset allocation strategies protect wealth. Learn more.
About Ally Financial (ALLY)
Ally Financial Inc. (ALLY) is a digital financial services company that offers a comprehensive suite of financial products and services to consumers, commercial businesses, and corporate clients across the United States and Canada. Originating as GMAC Inc., Ally has diversified significantly to become a multi-faceted financial institution.
A major component of Ally's business is its Automotive Finance Operations, which provides retail installment contracts, loans, and leases for vehicles to consumers, alongside various financing options like floorplan loans and lines of credit for automotive dealers. Complementing this, its Insurance Operations offer consumer protection products such as vehicle service contracts and guaranteed asset protection, as well as commercial insurance tailored for dealers' vehicle inventories.
Beyond its strong presence in the automotive sector, Ally also operates a Mortgage Finance segment, managing a consumer mortgage loan portfolio through both direct-to-consumer channels and the acquisition of loans from third parties. Additionally, its Corporate Finance Operations extend senior secured loans and asset-based lending to middle-market companies, including specialized commercial real estate financing for the healthcare industry. The company further provides commercial banking products, securities brokerage, and investment advisory services, solidifying its position as a broad financial services provider.
AI Analysis | Feedback
Here are 1-3 brief analogies for Ally Financial:
- Ally Financial is like **Capital One** for auto loans and mortgages, but entirely **digital**.
- Ally Financial is like **Discover Bank** for auto loans, mortgages, and commercial financing.
AI Analysis | Feedback
- Automotive Financing: Provides loans, leases, and other financing options for consumer vehicle purchases, along with various credit solutions for automotive dealers and fleets.
- Automotive Insurance Products: Offers consumer protection plans like vehicle service contracts and guaranteed asset protection, as well as commercial insurance for dealers' vehicle inventory.
- Mortgage Lending: Manages a consumer mortgage loan portfolio, encompassing both direct-to-consumer offerings and bulk purchases of mortgage loans from third parties.
- Corporate & Commercial Lending: Delivers senior secured leveraged cash flow and asset-based loans to middle market companies, alongside commercial real estate financing primarily for the healthcare industry.
- Commercial Banking Services: Provides general banking products and services tailored for commercial customers.
- Investment & Advisory Services: Offers securities brokerage and investment advisory services to its customers.
AI Analysis | Feedback
Ally Financial primarily serves individual consumers across various financial needs. Its major customer categories include:
- Automotive Consumers: Individuals seeking financing for vehicle purchases through retail installment sales contracts, loans, or operating leases. This category also includes customers who purchase consumer finance protection and insurance products like vehicle service and maintenance contracts, and guaranteed asset protection (GAP) products, typically acquired through automotive dealers.
- Residential Mortgage Borrowers: Individuals looking for mortgage loans to purchase or refinance homes. This includes a range of offerings such as jumbo mortgages, low-to-moderate income mortgage loans, and direct-to-consumer mortgage products.
- General Banking and Investment Clients: Individuals utilizing Ally's broader commercial banking products and services, as well as those seeking securities brokerage and investment advisory services for their personal financial management.
AI Analysis | Feedback
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AI Analysis | Feedback
Michael Rhodes, Chief Executive Officer
Michael Rhodes was appointed Chief Executive Officer of Ally Financial in April 2024. He also serves on the company's board of directors. With over 30 years of experience in banking, Rhodes previously served as CEO and President of Discover Financial Services and President of Discover Bank. His extensive career includes senior leadership positions at TD Bank Group, where he led Canadian Personal Banking, North American Credit Card and Merchant Services, and Innovation, Technology & Shared Services. He also held senior roles at Bank of America and MBNA American Bank. Notably, Rhodes has managed businesses across North America, the United Kingdom, Spain, and Ireland, and was CEO of a portfolio company backed by the private equity firm GTCR.
Russell Hutchinson, Chief Financial Officer
Russell Hutchinson was appointed Chief Financial Officer of Ally Financial in July 2023. In this role, he oversees finance, accounting, capital markets, treasury, investor relations, supply chain, and modeling and analytics functions. Prior to joining Ally, Hutchinson spent over two decades at Goldman Sachs Group Inc., where he most recently served as Chief Operating Officer for global mergers and acquisitions, and previously as Chief Strategy Officer. He also spent two decades in Goldman's Investment Banking Division, providing advisory services to financial services clients, including Ally. Hutchinson began his career as an associate consultant at the Boston Consulting Group.
Stephanie Richard, Chief Risk Officer
Stephanie Richard was appointed Chief Risk Officer in November 2024. She is responsible for the execution of Ally's independent risk management. Richard has nearly 27 years of experience at Ally, having held various roles of increasing responsibility within finance, treasury, and risk management functions, including chief audit executive and deputy chief risk officer.
Sathish Muthukrishnan, Chief Information, Data and Digital Officer
Sathish Muthukrishnan serves as Ally Financial's Chief Information, Data and Digital Officer. In this role, he is responsible for driving the company's information, data, and digital strategies. (Background details beyond title are not readily available in the provided search results.)
Andrea Brimmer, Chief Marketing and Public Relations Officer
Andrea Brimmer is the Chief Marketing and Public Relations Officer at Ally Financial. (Background details beyond title are not readily available in the provided search results.)
AI Analysis | Feedback
The key risks to Ally Financial (ALLY) primarily stem from its significant concentration in the automotive finance sector and the inherent sensitivities of a diversified financial services company to economic and regulatory factors.
- Credit Quality Deterioration in Automotive Finance Operations: Ally Financial has a heavy concentration in consumer auto loans and dealer financing, with automotive finance operations representing a substantial portion of its loan portfolio. This exposes the company to significant sector-specific risks. A deterioration in economic conditions, such as rising unemployment or a decline in consumer creditworthiness, can lead to increased loan defaults, delinquencies, and charge-offs in its auto loan and lease portfolios, directly impacting its profitability and capital levels. Declining used vehicle values could also exacerbate losses on repossessed vehicles or lease portfolios.
- Sensitivity to Macroeconomic Conditions and Interest Rate Fluctuations: As a digital financial services company with extensive lending operations across automotive, mortgage, and corporate finance segments, Ally Financial is highly vulnerable to broader macroeconomic conditions and changes in interest rates. Economic uncertainties, including recessions or market disruptions, can adversely affect demand for its financial products and the ability of its borrowers to repay loans. Furthermore, fluctuations in interest rates can impact Ally's funding costs and net interest margin, which is a critical measure of profitability for financial institutions.
- Intense Competition and Regulatory Scrutiny: Ally Financial operates in highly competitive markets for financial services and auto finance, facing significant rivalry from traditional banks, fintech companies, credit unions, and captive finance companies associated with auto manufacturers. This intense competition can pressure loan yields, reduce market share, and impact profitability. Additionally, as a regulated financial institution, Ally is subject to a complex and evolving regulatory landscape. Changes in banking, consumer protection, or automotive finance regulations, as well as increased regulatory scrutiny, could lead to higher compliance costs, operational restrictions, or potential penalties.
AI Analysis | Feedback
The emerging adoption of vehicle subscription services and other "mobility-as-a-service" models represents a clear emerging threat to Ally Financial's Automotive Finance Operations. These models shift consumer behavior from vehicle ownership, which typically requires retail installment sales contracts, loans, or leases, to a subscription-based access model. As these services gain traction and become more widespread, they could significantly reduce the demand for traditional automotive financing products, thereby directly impacting a core segment of Ally's business. This parallels historical disruptions where access or service models replaced traditional ownership or purchase models, such as Netflix displacing Blockbuster's physical rental model.
AI Analysis | Feedback
Ally Financial Inc. operates in several key financial services markets, primarily in the United States and Canada. The estimated addressable market sizes for their main products and services are as follows:
Automotive Finance Operations
- U.S. Automotive Finance Market: The U.S. automotive finance market generated a revenue of approximately USD 67.66 billion in 2024 and is projected to reach about USD 96.84 billion by 2030. Another estimate for the US Auto Loan Market size is USD 676.20 billion in 2025, expected to reach USD 899.17 billion by 2031. Separately, the US Car Finance & Auto Leasing Market was valued at USD 185 billion, based on a five-year historical analysis (as of October 2025). The United States Car Loan Market size is estimated at USD 175.86 billion in 2024 and is expected to reach USD 219.80 billion by 2029.
- Canada Automotive Finance Market: The Canadian auto finance market reached a valuation of CAD 145 billion in outstanding auto loans as of 2023. The Canada automotive finance market generated a revenue of approximately USD 15,410.0 million in 2024 and is expected to reach USD 24,470.0 million by 2030. The Canada Car Finance & Leasing Platforms Market is valued at USD 25 billion (based on a five-year historical analysis, as of September 2025).
Insurance Operations
- U.S. Vehicle Service Contracts (VSCs) / Extended Warranty Market: U.S. consumers spent an estimated USD 35 billion on VSCs in 2018. The U.S. auto extended warranty market size was valued at USD 18.36 billion in 2020 and is projected to reach USD 24.48 billion by 2030. More broadly, the United States extended warranty market size was valued at USD 53.01 billion in 2025 and is projected to reach USD 117.02 billion by 2034.
- U.S. Guaranteed Asset Protection (GAP) Insurance Market: The Guaranteed Auto Protection Insurance Market size was valued at USD 3.9 billion in 2023 and is anticipated to grow to USD 7.5 billion by 2032. Another source indicates the GAP Insurance Market Size was valued at USD 4.24 billion in 2024 and is projected to reach USD 10.49 billion by 2032. The guaranteed auto protection gap insurance market is projected to grow from USD 4.5 billion in 2025 to USD 8.8 billion by 2035.
Mortgage Finance Operations
- U.S. Consumer Mortgage Loan Market: The U.S. home mortgage market size was approximately USD 180.91 billion in 2023 and is predicted to grow to about USD 501.67 billion by 2032. Total single-family mortgage origination volume in the U.S. is expected to increase to USD 2.2 trillion in 2026 from an estimated USD 2.0 trillion in 2025. Americans collectively owe USD 13.07 trillion on mortgages.
- U.S. Jumbo Mortgage Market: Approximately USD 270.83 billion of jumbo mortgages were originated in the U.S. in 2024. The jumbo loan origination volume was USD 497 billion in 2022, a decline from USD 753 billion in 2021. Jumbo production in 2022 fell to USD 377.9 billion.
Corporate Finance Operations
- U.S. Asset-Based Lending (ABL) Market: The market for asset-based lending in North America is projected to increase from USD 698 billion to USD 787 billion by the end of 2024. The global asset-based lending market size was valued at USD 834.49 billion in 2025 and is projected to reach USD 2370.49 billion by 2034. The U.S. asset-based lending market is projected to grow at a CAGR of 9.4% during 2025-2035. The asset-based lending market size in the U.S. is expected to grow from US$ 740.24 billion in 2023 to US$ 1,901.66 billion by 2031.
- U.S. Commercial Real Estate Product (Healthcare Industry): null
Other Products and Services
- U.S. Commercial Banking Market: The U.S. commercial banking market size is estimated at USD 732.5 billion in 2025 and is forecasted to reach USD 915.45 billion by 2030. Other estimates for the U.S. commercial banking market size include USD 231.9 billion in 2024, expected to reach USD 351.8 billion by 2033, and USD 229 billion in 2023, slated to hit USD 339 billion by the end of 2032.
- U.S. Securities Brokerage Market: The U.S. Securities Brokerage Market was valued at USD 201.07 billion in 2024 and is expected to reach USD 252.58 billion by 2030. Another source reported the market size of Securities Brokering in the U.S. at USD 188.2 billion in 2023. The United States Securities Brokerage Market Size was valued at USD 188.9 billion in 2023 and is expected to reach USD 280.5 billion by 2033.
- U.S. Investment Advisory Services Market: The market size of Portfolio Management & Investment Advice in the U.S. was USD 591.2 billion in 2024 and is estimated at USD 603.0 billion in 2025. The USA Financial Advisory Market size in terms of assets under management is expected to grow from USD 90.54 trillion in 2025 to USD 101.74 trillion by 2030. Assets under management for investment advisers in the U.S. reached USD 144.6 trillion in 2024. Other estimates for the financial advisory market size are USD 209.82 billion in 2024, projected to USD 219.48 billion in 2025, and USD 219.48 billion in 2025, growing to USD 229.17 billion in 2026.
AI Analysis | Feedback
Ally Financial (NYSE: ALLY) is expected to drive future revenue growth over the next 2-3 years through several key strategies:
* Net Interest Margin (NIM) Expansion: Ally is focused on expanding its net interest margin, with management anticipating reaching the high 3% range by the end of 2026. This expansion is expected to be driven by disciplined deposit pricing, ongoing optimization of the balance sheet towards higher-yielding assets, and the anticipated easing of interest rates by the Federal Reserve.
* Growth in Core Automotive Finance Operations: The company plans to grow its loan portfolio, with average earning assets projected to increase by 2-4% in 2026 and mid-single-digits over the medium term. This growth is underpinned by strong dealer relationships, increased application volumes, and the selective origination of retail auto loans at attractive yields.
* Expansion of Corporate Finance Operations: Ally's Corporate Finance segment is a strong performer, consistently delivering robust returns with a focus on senior secured leveraged cash flow and asset-based loans to middle-market companies. The company expects continued growth in this segment, building on its strong performance and high return on equity.
* Digital Bank Growth and Deposit Acquisition: Ally's all-digital bank continues to be a source of strength, demonstrating consistent customer acquisition and retention. The growth in deposits strengthens the company's funding base and provides a stable, capital-efficient foundation for lending activities across its various segments.
* Diversified Insurance Offerings: Ally's Insurance Operations segment is anticipated to contribute to additional revenue growth. This segment provides consumer finance protection and commercial insurance products, acting as a durable and capital-efficient revenue stream that is less sensitive to consumer credit cycles.
AI Analysis | Feedback
Share Repurchases
- Ally Financial's board of directors authorized a new multi-year share repurchase program of up to $2.0 billion on December 10, 2025, with no set expiration date.
- The company may begin repurchasing shares under this program in the fourth quarter of 2025.
- Ally resumed share repurchases in the fourth quarter of 2025.
Share Issuance
- Ally Financial's shares outstanding increased slightly in recent years, reaching 0.314 billion for the quarter ending December 31, 2025, a 1.32% increase year-over-year.
- Shares outstanding were 0.313 billion in 2025, a 0.93% increase from 2024, and 0.310 billion in 2024, a 1.65% increase from 2023.
- No significant large-scale share issuances in terms of dollar amount were identified over the last 3-5 years.
Outbound Investments
- In December 2021, Ally acquired Fair Square Financial, a credit card company, for $750 million.
- Ally sold its point-of-sale (POS) financing business, Ally Lending, to Synchrony in March 2024.
- In April 2025, Ally sold its credit card business (Fair Square Financial) to CardWorks; this sale included $2.3 billion in credit card receivables.
Capital Expenditures
- Ally Financial's capital expenditures were $5.12 billion in December 2021.
- Capital expenditures decreased to $3.532 billion in 2022 and further to $2.759 billion in 2023.
- Capital expenditures increased to $3.46 billion in 2024. The company emphasizes investing in its core franchises and leveraging technology for customer-centric products.
Peer Outperformance in Consumer Finance
ALLY has trailed 59% of its 29 Consumer Finance peers over 5Y. Among the peers that beat it is SLM. Consumer Finance ranks 9th of 18 industries in Financials by median 5Y return.
Share of Consumer Finance constituents that ALLY has outperformed, by holding period. Peers without a full price history over a given window are excluded from that window.
1Y
47%
of 32 industry peers · 8.8% return
3Y
45%
of 29 industry peers · 76.3% return
5Y
41%
of 29 industry peers · 3.0% return
Consumer Finance peers with revenue growth within 4pp of ALLY's that beat it on at least 2 of 3 windows, and by at least 20pp over 5Y. Growth is matched by construction, so the gap is largely a re-rating gap. The multiple column is the context for it.
| Ticker | Name | Rev Growth 3Y Avg | P/E | 1Y | 3Y | 5Y | 5Y Gap |
|---|---|---|---|---|---|---|---|
| ALLY | Ally Financial | 1.6% | 9.3x | 8.8% | 76.3% | 3.0% | — |
| SLM | SLM | 4.0% | 6.9x | -11.0% | 106.4% | 70.1% | +67pp |
Price returns, excluding dividends. P/E shown for context only and not used for matching.
Median price return by industry across the Financials sector, ranked by 5Y. Consumer Finance is ALLY's own industry. Use this to see which corners of the sector have carried the returns.
| Industry | Names | 1Y med | 3Y med | 5Y med | Top 3 by 5Y |
|---|---|---|---|---|---|
| Investment Banking & Brokerage | 13 | 9.8% | 136.2% | 145.1% | IBKR 489% · SNEX 246% · HOOD 190% |
| Reinsurance | 6 | 22.3% | 82.1% | 128.8% | SPNT 162% · RGA 144% · MTG 129% |
| Diversified Banks | 13 | 35.0% | 138.3% | 113.5% | CM 158% · JPM 155% · RY 145% |
| Life & Health Insurance | 20 | 17.1% | 59.5% | 97.9% | JXN 516% · UNM 325% · FG 229% |
| Multi-Sector Holdings | 6 | 4.2% | 47.4% | 80.9% | JONE 361% · JEF 85% · BRK-B 81% |
| Property & Casualty Insurance | 42 | 11.5% | 74.3% | 69.0% | ASIC 2739900% · HRTG 436% · UVE 309% |
| Regional Banks | 265 | 27.6% | 88.5% | 67.1% | GCBC 378% · ESQ 353% · VBNK 328% |
| Multi-line Insurance | 9 | 13.4% | 86.5% | 56.6% | GNW 186% · L 102% · SLF 96% |
| Consumer Finance ← | 30 | 10.1% | 93.2% | 36.8% | ENVA 595% · EZPW 387% · FCFS 172% |
| Insurance Brokers | 16 | -11.4% | 1.8% | 25.3% | LIFE 631% · AJG 92% · ARX 89% |
| Financial Exchanges & Data | 15 | -0.2% | 21.5% | 24.6% | VIRT 219% · CBOE 158% · CME 79% |
| Asset Management & Custody Banks | 82 | -9.8% | 21.1% | 22.3% | WT 336% · SII 293% · VCTR 269% |
| Diversified Financial Services | 4 | -0.5% | 7.1% | 15.2% | FRHC 163% · EQH 95% · TMS -65% |
| Commercial & Residential Mortgage Finance | 12 | -39.6% | 29.8% | 7.4% | FNMA 498% · FMCC 476% · ESNT 66% |
| Specialized Finance | 3 | 15.7% | 49.7% | -6.8% | EFC 38% · CACC -7% · HASI -17% |
| Mortgage REITs | 33 | -10.9% | 11.2% | -12.9% | NREF 58% · RITM 53% · DX 41% |
| Transaction & Payment Processing Services | 15 | 3.6% | 1.2% | -38.7% | MA 73% · V 72% · CPAY 60% |
| Diversified Capital Markets | 21 | -20.0% | -0.4% | -44.0% | BTCS 629% · OPY 199% · LPLA 149% |
Median of constituents with a full price history over each window. Top names are unfiltered by size in this render.
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Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 88.87 |
| Mkt Cap | 107.4 |
| Rev LTM | 74,367 |
| Op Inc LTM | 1,814 |
| FCF LTM | 5,228 |
| FCF 3Y Avg | 5,200 |
| CFO LTM | 14,432 |
| CFO 3Y Avg | 10,460 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 9.5% |
| Rev Chg 3Y Avg | 4.9% |
| Rev Chg Q | 10.7% |
| QoQ Delta Rev Chg LTM | 2.6% |
| Op Inc Chg LTM | -83.0% |
| Op Inc Chg 3Y Avg | -29.7% |
| Op Mgn LTM | 1.0% |
| Op Mgn 3Y Avg | 4.4% |
| QoQ Delta Op Mgn LTM | -0.4% |
| CFO/Rev LTM | 34.8% |
| CFO/Rev 3Y Avg | 29.7% |
| FCF/Rev LTM | 15.0% |
| FCF/Rev 3Y Avg | 10.4% |
Segment Financials
Revenue by Segment| $ Mil | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Automotive Finance operations | 5,572 | 5,834 | 5,838 | 5,544 | 5,460 |
| Insurance operations | 1,725 | 1,621 | 1,532 | 1,107 | 1,404 |
| Corporate Finance operations | 538 | 579 | 534 | 462 | 436 |
| Corporate and Other | 79 | 147 | 330 | 1,315 | 688 |
| Mortgage Finance operations | 218 | ||||
| Total | 7,914 | 8,181 | 8,234 | 8,428 | 8,206 |
| $ Mil | 2015 | 2014 | 2013 |
|---|---|---|---|
| Automotive Finance operations | 1,335 | 1,525 | 1,271 |
| Insurance operations | 211 | 197 | 254 |
| Mortgage operations | 90 | 62 | -258 |
| Corporate and other | -243 | -538 | -910 |
| Total | 1,393 | 1,246 | 357 |
| $ Mil | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Automotive Finance operations | 115,753 | 113,057 | 115,301 | 111,463 | 103,653 |
| Corporate and Other | 57,329 | 59,750 | 60,735 | 61,160 | 43,283 |
| Corporate Finance operations | 12,989 | 9,704 | 11,212 | 10,544 | 7,950 |
| Insurance operations | 9,931 | 9,325 | 9,081 | 8,659 | 9,381 |
| Mortgage Finance operations | 17,847 | ||||
| Total | 196,002 | 191,836 | 196,329 | 191,826 | 182,114 |
Price Behavior
Price Behavior
| Market Price | $43.73 | |
| Market Cap ($ Bil) | 13.5 | |
| First Trading Date | 01/28/2014 | |
| Distance from 52W High | -6.8% | |
| 50 Days | 200 Days | |
| DMA Price | $44.09 | $42.33 |
| DMA Trend | up | indeterminate |
| Distance from DMA | -0.8% | 3.3% |
| 3M | 1YR | |
| Volatility | 25.3% | 29.8% |
| Downside Capture | 110.95 | 127.44 |
| Upside Capture | 102.32 | 110.32 |
| Correlation (SPY) | 49.1% | 52.2% |
ALLY Betas & Captures as of 8/31/2026
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 1.33 | 1.28 | 0.90 | 1.05 | 1.21 | 1.23 |
| Up Beta | 1.30 | 0.89 | 0.98 | 1.44 | 1.32 | 1.27 |
| Down Beta | 1.67 | 1.42 | 0.55 | 0.53 | 1.17 | 1.21 |
| Up Capture | 85% | 93% | 96% | 103% | 112% | 167% |
| Bmk +ve Days | 10 | 21 | 32 | 68 | 138 | 427 |
| Stock +ve Days | 12 | 23 | 37 | 73 | 137 | 401 |
| Down Capture | 212% | 191% | 106% | 109% | 118% | 105% |
| Bmk -ve Days | 11 | 21 | 32 | 59 | 113 | 324 |
| Stock -ve Days | 9 | 19 | 27 | 54 | 113 | 345 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with ALLY | |
|---|---|---|---|---|
| ALLY | 8.3% | 29.7% | 0.27 | - |
| Sector ETF (XLF) | 8.8% | 14.6% | 0.35 | 67.6% |
| Equity (SPY) | 19.7% | 12.8% | 1.13 | 52.1% |
| Gold (GLD) | 24.6% | 29.2% | 0.75 | 8.1% |
| Commodities (DBC) | 43.8% | 20.3% | 1.67 | -27.9% |
| Real Estate (VNQ) | 9.1% | 13.6% | 0.39 | 34.9% |
| Bitcoin (BTCUSD) | -28.1% | 43.8% | -0.63 | 23.6% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with ALLY | |
|---|---|---|---|---|
| ALLY | -0.7% | 38.3% | 0.07 | - |
| Sector ETF (XLF) | 10.1% | 18.4% | 0.41 | 69.9% |
| Equity (SPY) | 12.8% | 17.2% | 0.57 | 61.7% |
| Gold (GLD) | 19.1% | 18.8% | 0.82 | 4.2% |
| Commodities (DBC) | 10.7% | 19.5% | 0.43 | 11.6% |
| Real Estate (VNQ) | 1.7% | 18.9% | -0.01 | 51.4% |
| Bitcoin (BTCUSD) | 10.2% | 52.6% | 0.38 | 28.2% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with ALLY | |
|---|---|---|---|---|
| ALLY | 11.3% | 39.3% | 0.40 | - |
| Sector ETF (XLF) | 13.6% | 22.1% | 0.56 | 73.9% |
| Equity (SPY) | 15.3% | 17.9% | 0.72 | 63.6% |
| Gold (GLD) | 12.4% | 16.3% | 0.62 | 1.9% |
| Commodities (DBC) | 7.9% | 18.1% | 0.35 | 22.3% |
| Real Estate (VNQ) | 4.8% | 20.7% | 0.19 | 56.0% |
| Bitcoin (BTCUSD) | 63.7% | 66.2% | 1.03 | 19.0% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Earnings Returns History
Updated 8/21/2026| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 7/21/2026 | -2.4% | -4.0% | -3.5% |
| 4/17/2026 | 8.1% | 7.3% | 0.8% |
| 1/21/2026 | 0.0% | 1.1% | -0.5% |
| 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% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 14 | 12 | 15 |
| # Negative | 10 | 12 | 9 |
| Median Positive | 3.7% | 5.1% | 8.1% |
| Median Negative | -3.0% | -4.5% | -3.5% |
| Max Positive | 20.0% | 23.3% | 19.7% |
| Max Negative | -7.9% | -15.2% | -12.6% |
| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 7/21/2026 | -2.4% | -4.0% | -3.5% |
| 4/17/2026 | 8.1% | 7.3% | 0.8% |
| 1/21/2026 | 0.0% | 1.1% | -0.5% |
| 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% |
| SUMMARY STATS | |||
| # Positive | 14 | 12 | 15 |
| # Negative | 10 | 12 | 9 |
| Median Positive | 3.7% | 5.1% | 8.1% |
| Median Negative | -3.0% | -4.5% | -3.5% |
| Max Positive | 20.0% | 23.3% | 19.7% |
| Max Negative | -7.9% | -15.2% | -12.6% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 06/30/2026 | 07/23/2026 | 10-Q |
| 03/31/2026 | 05/05/2026 | 10-Q |
| 12/31/2025 | 02/25/2026 | 10-K |
| 09/30/2025 | 10/30/2025 | 10-Q |
| 06/30/2025 | 08/04/2025 | 10-Q |
| 03/31/2025 | 05/05/2025 | 10-Q |
| 12/31/2024 | 02/19/2025 | 10-K |
| 09/30/2024 | 11/05/2024 | 10-Q |
| 06/30/2024 | 08/05/2024 | 10-Q |
| 03/31/2024 | 05/06/2024 | 10-Q |
| 12/31/2023 | 02/20/2024 | 10-K |
| 09/30/2023 | 10/31/2023 | 10-Q |
| 06/30/2023 | 08/01/2023 | 10-Q |
| 03/31/2023 | 05/02/2023 | 10-Q |
| 12/31/2022 | 02/24/2023 | 10-K |
| 09/30/2022 | 11/02/2022 | 10-Q |
| Report Date | Filing Date | Filing |
|---|---|---|
| 06/30/2026 | 07/23/2026 | 10-Q |
| 03/31/2026 | 05/05/2026 | 10-Q |
| 12/31/2025 | 02/25/2026 | 10-K |
| 09/30/2025 | 10/30/2025 | 10-Q |
| 06/30/2025 | 08/04/2025 | 10-Q |
| 03/31/2025 | 05/05/2025 | 10-Q |
| 12/31/2024 | 02/19/2025 | 10-K |
| 09/30/2024 | 11/05/2024 | 10-Q |
| 06/30/2024 | 08/05/2024 | 10-Q |
| 03/31/2024 | 05/06/2024 | 10-Q |
| 12/31/2023 | 02/20/2024 | 10-K |
| 09/30/2023 | 10/31/2023 | 10-Q |
| 06/30/2023 | 08/01/2023 | 10-Q |
| 03/31/2023 | 05/02/2023 | 10-Q |
| 12/31/2022 | 02/24/2023 | 10-K |
| 09/30/2022 | 11/02/2022 | 10-Q |
| 06/30/2022 | 08/01/2022 | 10-Q |
| 03/31/2022 | 05/02/2022 | 10-Q |
| 12/31/2021 | 02/25/2022 | 10-K |
| 09/30/2021 | 11/02/2021 | 10-Q |
| 06/30/2021 | 08/02/2021 | 10-Q |
| 03/31/2021 | 05/03/2021 | 10-Q |
| 12/31/2020 | 02/24/2021 | 10-K |
| 09/30/2020 | 11/03/2020 | 10-Q |
| 06/30/2020 | 07/31/2020 | 10-Q |
| 03/31/2020 | 04/28/2020 | 10-Q |
| 12/31/2019 | 02/25/2020 | 10-K |
| 09/30/2019 | 11/05/2019 | 10-Q |
Recent Forward Guidance
Updated 7/27/2026Latest: Q2 2026 Earnings Reported 7/21/2026
| Forward Guidance | Guidance Change | |||||||
|---|---|---|---|---|---|---|---|---|
| Metric | Source | Low | Mid | High | % Chg | % Delta | Change | Prior |
| Q3 2026 Common Dividend | Reported | 0.3 | 0.0% | Affirmed | Guidance: 0.3 for Q2 2026 | |||
Prior: Q1 2026 Earnings Reported 4/17/2026
| Forward Guidance | Guidance Change | |||||||
|---|---|---|---|---|---|---|---|---|
| Metric | Source | Low | Mid | High | % Chg | % Delta | Change | Prior |
| Q2 2026 Dividends | Reported | 0.3 | 0 | Same New | Guidance: 0.3 for Q1 2026 | |||
Q4 2025 Earnings Reported 1/21/2026
| Forward Guidance | Guidance Change | |||||||
|---|---|---|---|---|---|---|---|---|
| Metric | Source | Low | Mid | High | % Chg | % Delta | Change | Prior |
| Q1 2026 Dividends | Reported | 0.3 | 0.0% | Same New | Guidance: 0.3 for Q4 2025 | |||
Q3 2025 Earnings Reported 10/17/2025
| Forward Guidance | Guidance Change | |||||||
|---|---|---|---|---|---|---|---|---|
| Metric | Source | Low | Mid | High | % Chg | % Delta | Change | Prior |
| Q4 2025 Dividends | Reported | 0.3 | 0 | Same New | Actual: 0.3 for Q3 2025 | |||
Insider Activity
Updated 8/5/2026| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Richard, Stephanie N | Chief Risk Officer | Direct | Sell | 8052026 | 44.23 | 5,000 | 221,168 | 3,933,561 | Form |
| 2 | Richard, Stephanie N | Chief Risk Officer | Direct | Sell | 5192026 | 42.14 | 5,000 | 210,708 | 3,958,234 | Form |
| 3 | Timmerman, Douglas R | President, DFS | Direct | Sell | 4202026 | 45.17 | 39,675 | 1,792,175 | 21,575,080 | Form |
| 4 | Hutchinson, Russell E | Chief Financial Officer | Direct | Buy | 1282026 | 43.17 | 11,566 | 499,307 | 9,727,800 | Form |
| 5 | Rhodes, Michael George | Chief Executive Officer | See Footnote | Buy | 1232026 | 41.68 | 23,800 | 991,867 | 2,060,167 | Form |
| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Richard, Stephanie N | Chief Risk Officer | Direct | Sell | 8052026 | 44.23 | 5,000 | 221,168 | 3,933,561 | Form |
| 2 | Richard, Stephanie N | Chief Risk Officer | Direct | Sell | 5192026 | 42.14 | 5,000 | 210,708 | 3,958,234 | Form |
| 3 | Timmerman, Douglas R | President, DFS | Direct | Sell | 4202026 | 45.17 | 39,675 | 1,792,175 | 21,575,080 | Form |
| 4 | Hutchinson, Russell E | Chief Financial Officer | Direct | Buy | 1282026 | 43.17 | 11,566 | 499,307 | 9,727,800 | Form |
| 5 | Rhodes, Michael George | Chief Executive Officer | See Footnote | Buy | 1232026 | 41.68 | 23,800 | 991,867 | 2,060,167 | Form |
| 6 | Patterson, Kathleen L | Chief HR & Corp Citizenship | Direct | Sell | 10232025 | 40.86 | 29,000 | 1,184,804 | 4,093,824 | Form |
Investor Activity (13F)
Updated Sep 7, 202613F holdings as of Mar 31, 2026 (Q1 2026)
Active managers (13F portfolio over $250M, at least 3 holdings) with a position over $5M that is either over 10% of their portfolio or held in a concentrated book of 50 or fewer total positions. Index/ETF, sovereign, bank, community-bank and charitable/donor-advised filers are excluded.
| Active Manager | Value | % of Portfolio | Total Positions | QoQ | Filing |
|---|---|---|---|---|---|
| Oldfield Partners LLP | $49.7 Mil | 12.6% | 18 | ADD +4559.6% | 13F |
| Ancient Art, L.P. | $51.3 Mil | 11.2% | 16 | Hold | 13F |
| Glendon Capital Management LP | $81.7 Mil | 10.1% | 25 | Hold | 13F |
| Sessa Capital IM, L.P. | $333.0 Mil | 6.3% | 31 | ADD +81.3% | 13F |
| Goldentree Asset Management LP | $83.4 Mil | 4.9% | 29 | ADD +82.7% | 13F |
| Bruni J V & Co /Co | $35.3 Mil | 3.7% | 31 | Hold | 13F |
| Loews Corp | $14.1 Mil | 0.1% | 25 | Hold | 13F |
| Active Manager | Value | % of Portfolio | Total Positions | QoQ | Filing |
|---|---|---|---|---|---|
| Sessa Capital IM, L.P. | $333.0 Mil | 6.3% | 31 | ADD +81.3% | 13F |
| Goldentree Asset Management LP | $83.4 Mil | 4.9% | 29 | ADD +82.7% | 13F |
| Glendon Capital Management LP | $81.7 Mil | 10.1% | 25 | Hold | 13F |
| Ancient Art, L.P. | $51.3 Mil | 11.2% | 16 | Hold | 13F |
| Oldfield Partners LLP | $49.7 Mil | 12.6% | 18 | ADD +4559.6% | 13F |
| Bruni J V & Co /Co | $35.3 Mil | 3.7% | 31 | Hold | 13F |
| Loews Corp | $14.1 Mil | 0.1% | 25 | Hold | 13F |
Industry Resources
| Financials Resources |
| Federal Reserve Economic Data |
| Federal Reserve |
| FDIC Data |
| American Banker |
| The Banker |
| Banking Technology |
| Consumer Finance Resources |
| Consumer Financial Protection Bureau (CFPB) |
| InsideARM |
| The Nilson Report |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
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Core Cache Last Updated: 9/6/2026