Ally Financial (ALLY)
NYSEFinancialsFinancial - Credit ServicesSnapshot 2026-09-04
$43.73+0.32%
Close 2026-09-04 · 1-day change
NYSEFinancialsFinancial - Credit ServicesSnapshot 2026-09-04
QuarterlyIQ Insights · ALLY
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How this business ranks within financials on a research-validated quality screen. As of 2026-09-04.
The screen ranks ALLY against its sector on four durable signals: share dilution, return on capital, free-cash-flow yield, and FCF margin. Historically the highest-quality names tended toward better typical outcomes and fewer bad years over multi-year holds (strongest at three years, modest at one), and that pattern showed up even before the price moved. It characterizes business quality, not price direction.
Each leg is a sector-relative percentile (higher is better); 3 of 4 legs were available for this name. The composite is built from these four; the raw value follows each percentile for context.
A forward quality tilt, not a price prediction, and context for your own research rather than a recommendation. Not investment advice.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 2 of the last 3 quarter-over-quarter moves. Historically, Financials names rated strong grew net income 67% of the time over the next year (vs 56% for the rest of the cohort, n=7680).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
A guidance track record builds as the company issues and delivers on guidance.
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
Continue to improve earnings power and return profile through disciplined execution across core franchises.
Stated as a priority in 4 of last 4 quarters. GAAP EPS grew from $0.93 in 2026-Q1 to $1.18 in 2026-Q2, Core ROTCE increased from 11.1% to 11.8%, and net income attributable to common shareholders rose from $291M to $367M. Management's statements and financial results show delivering progress on sustaining and growing core earnings and returns.
“CEO: 'Our earnings power and return profile continue to improve, and I am confident in our ability to deliver long-term value for shareholders.'”
“CEO: 'Focused. Forward. is delivering strong performance and positioning us to compete and win.'”
“CEO: 'This quarter's results represent another clear proof point of our continued progress toward improved returns.'”
“CEO: 'The actions we have taken are translating into improved earnings, expanding returns, and increasing confidence.'”
Drive growth in consumer auto originations while maintaining disciplined underwriting and attractive risk-adjusted returns.
Stated in 4 of last 4 quarters. Consumer auto originations grew from $11.5B in 2026-Q1 to $13.3B in 2026-Q2, with retail auto net charge-offs improving by 18 bps year over year to 1.57%. Management's focus on disciplined underwriting and growth is reflected in rising originations and improving credit quality, indicating delivering progress.
Sustain retail deposit growth to provide durable, low-cost funding supporting franchise growth and competitive position.
Stated in 4 of last 4 quarters. Retail deposits grew from $142B in 2025-Q3 to $144B in 2026-Q2, with retail deposit customer growth sustained for 69 consecutive quarters. Management's emphasis on deposit growth and funding stability is matched by consistent deposit base expansion, indicating delivering progress.
Continue disciplined capital allocation with consistent dividends and opportunistic share repurchases to support shareholder value.
Stated in 4 of last 4 quarters. Ally maintained a consistent $0.30 per share quarterly dividend and executed share repurchases of $147M in 2026-Q1 and $148M in 2026-Q2. Management's capital allocation discipline is reflected in steady dividends and active repurchases, indicating delivering progress.
Continue to provide a stable dividend payout to shareholders.
Over the trailing year it converted 11.50x of net income into operating cash flow. Historically, Financials names rated robust grew net income 62% of the time over the next year (vs 56% for the rest of the cohort, n=6844).
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, real (inflation-adjusted) rates, long-term interest rates, Fed net liquidity (low R² over the window).
12 material management or governance events in the past 24 months, led by capital-allocation actions. Historically, Financials names rated neutral grew net income 56% of the time over the next year (vs 58% for the rest of the cohort, n=3751).
Not investment advice. As of 2026-09-04.
“Dealer Financial Services once again demonstrated the strength of our franchise with $13.3 billion of consumer auto originations.”
“$11.5 billion of consumer auto originations sourced from a record 4.4 million consumer auto applications.”
“$11.7 billion of consumer auto originations sourced from a record 4.0 million consumer auto applications.”
“Strong consumer originations driving end-of-period consumer auto earning assets growth.”
“$144 billion of retail deposits with 69 consecutive quarters of retail deposit customer growth.”
“$146 billion of retail deposits with 68 consecutive quarters of retail deposit customer growth.”
“$142 billion of retail deposits with 66 consecutive quarters of retail deposit customer growth.”
“Retail deposits of $141.8 billion with 66 consecutive quarters of retail deposit customer growth.”
“Paid $0.30 per share dividend and executed $148 million of share repurchases.”
“Paid $0.30 per share dividend and executed $147 million of share repurchases.”
“Paid $0.30 per share dividend; no share repurchases executed.”
“Paid $0.30 per share dividend; share repurchase activity not disclosed.”