Ally Financial
Combines branchless digital banking with dealer-centered auto finance, insurance, and corporate lending.
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Profile
Combines a branchless deposit bank with dealer-centered auto finance, vehicle insurance, and corporate finance. Deposits fund a business concentrated in the United States, while dealer relationships support lending and insurance distribution; bank-holding-company regulation and the recent exit from point-of-sale lending and credit cards shape its narrower portfolio.
Pairs a branchless deposit franchise with dealer-centered auto finance, vehicle insurance, and corporate finance. Automotive Finance, Insurance, and Corporate Finance are the reportable operating segments; Ally Invest and the legacy mortgage portfolio sit in Corporate and Other.
Dealer relationships distribute vehicle financing and insurance, while direct digital banking supplies deposits without a physical branch network. The operating model remains concentrated in the United States, with roots in financing dealer inventory since 1919.
Recent sales of point-of-sale lending and credit cards narrowed the portfolio to the core businesses. The structure depends on dealer distribution and branchless deposit funding and operates under bank-holding-company regulation.
Company facts
Categories
Key statistics
Year to date −7.8% · Average volume (30d) 3.0M
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Rating | Prior target | Target |
|---|---|---|---|---|---|
| Jul 23, 2026 | Neuberger Berman | Target | $53 | $49 | |
| Jul 22, 2026 | Deutsche Bank | Reiterate | Buy | $57 | $58 |
| Jul 10, 2026 | RBC Capital | Reiterate | Outperform | $52 | $55 |
| Jul 8, 2026 | Neuberger Berman | Target | $42 | $53 | |
| Jun 26, 2026 | Wells Fargo | Reiterate | Overweight | $52 | $55 |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 21, 2026Q2 FY26 | $1.22 | $1.21 | −0.8% | $2.22B | $2.28B | +2.5% | +0.54% |
| Apr 17, 2026Q1 FY26 | $0.93 | $1.11 | +19.4% | $2.14B | $2.10B | −1.8% | +2.07% |
| Jan 21, 2026Q4 FY25 | $1.01 | $1.09 | +7.9% | $2.14B | $2.12B | −1.0% | −1.04% |
| Oct 17, 2025Q3 FY25 | $1.00 | $1.15 | +15.0% | $2.11B | $2.37B | +12.1% | +1.71% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $3.43B | $3.88B | $3.95B | $3.94B | $3.89B | $4.07B | |
| Gross profit | $1.56B | $1.90B | $1.96B | $1.89B | $1.90B | $2.12B | |
| Operating income | −$284.0M | $436.0M | $513.0M | $386.0M | $400.0M | $537.0M | |
| Net income | −$225.0M | $352.0M | $398.0M | $327.0M | $319.0M | $410.0M | |
| Diluted EPS | −$0.82 | $1.04 | $1.18 | $0.95 | $0.93 | $1.18 | |
| Gross margin | 45.6% | 49.0% | 49.5% | 48.0% | 49.0% | 52.2% | |
| Operating margin | -8.3% | 11.2% | 13.0% | 9.8% | 10.3% | 13.2% |
Fiscal years (4-quarter sums)FY21 $10.69B · FY22 $12.10B · FY23 $15.97B · FY24 $16.37B · FY25 $15.20B
Revenue by product · Q2 FY26
Balance sheet, Jun 30, 2026Cash & short-term investments $8.68B · Total debt $22.97B · Total assets $199.77B · Shareholders' equity $15.49B
Dividends
Raised for 8 straight years — most recently to $0.30 from $0.25 in Jan 2022. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Jul 31, 2026 | Jul 31 | Aug 14 | $0.30 | |
| May 1, 2026 | May 1 | May 15 | $0.30 | |
| Feb 2, 2026 | Feb 2 | Feb 17 | $0.30 | |
| Oct 31, 2025 | Oct 31 | Nov 14 | $0.30 | |
| Aug 1, 2025 | Aug 1 | Aug 15 | $0.30 | |
| May 1, 2025 | May 1 | May 15 | $0.30 | |
| Jan 31, 2025 | Jan 31 | Feb 14 | $0.30 | |
| Nov 1, 2024 | Nov 1 | Nov 15 | $0.30 |
Ownership
A 13F quarter can total more than the shares outstanding — sub-advisers file the same block twice, and a filer's own share count can be a quarter stale. No split is drawn from it.
Shares outstanding 304.20M · Float 269.82M · 88.7% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| BlackRock, Inc. | 28.63M | 9.41% | 13F | Aug 7, 2026 |
| Berkshire Hathaway Inc | 27.00M | 8.88% | 13F | Aug 14, 2026 |
| Harris Associates L P | 26.11M | 8.58% | 13F | Aug 14, 2026 |
| Vanguard Portfolio Management LLC | 14.10M | 4.63% | 13F | Aug 13, 2026 |
| Vanguard Capital Management LLC | 12.49M | 4.11% | 13F | Aug 13, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 4, 2026 | Stephanie N. Richard | officer: Chief Risk Officer | −5,000 | $44.23 |
| May 15, 2026 | Stephanie N. Richard | officer: Chief Risk Officer | −5,000 | $42.14 |
| Apr 17, 2026 | Douglas R. Timmerman | officer: President, DFS | −39,675 | $45.17 |
| Jan 27, 2026 | Russell E. Hutchinson | officer: Chief Financial Officer | +11,566 | $43.17 |
| Jan 23, 2026 | Michael George Rhodes | director, officer: Chief Executive Officer | +23,800 | $41.68 |
Peers
- Capital One
Major bank rival across auto lending and nationwide deposits
- General Motors
Captive-finance rival with privileged access to GM dealers
- Ford
Captive-finance rival serving Ford and Lincoln dealers
- JPMorgan Chase
Scaled rival in auto finance, dealer credit, deposits, and investing
- SoFi
Digital-first rival for deposits and self-directed investing
- Assurant
Specialist rival in automotive protection products and services
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Ally Financial | $42.18 | 0.00% | $12.83B | 9.9 | 7.1 | 0.8 | −0.3% |
| Capital One | $223.60 | +3.64% | $132.31B | 13.3 | 9.9 | 1.7 | +26.0% |
| General Motors | $86.10 | −0.20% | $78.03B | 43.6 | 6.3 | 0.4 | +1.9% |
| Ford | $13.89 | +0.07% | $55.31B | — | 8.0 | 0.3 | −3.8% |
| JPMorgan Chase | $357.66 | +0.05% | $958.25B | 15.4 | 14.8 | 3.2 | +27.8% |
| SoFi | $18.08 | +0.22% | $23.17B | 37.6 | 24.5 | 4.1 | +41.0% |
| Assurant | $285.65 | −0.01% | $14.15B | 13.5 | 12.8 | 1.1 | +9.4% |
| Median | 15.4 | 11.4 | 1.4 | +17.7% |