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Ally Financial Earnings Calls
| Release date | Apr 17, 2026 |
| EPS estimate | $0.93 |
| EPS actual | $1.11 |
| EPS Surprise | 18.84% |
| Revenue estimate | 2.141B |
| Revenue actual | 2.102B |
| Revenue Surprise | -1.82% |
| Release date | Jan 21, 2026 |
| EPS estimate | $1.01 |
| EPS actual | $1.09 |
| EPS Surprise | 7.92% |
| Revenue estimate | 2.144B |
| Revenue actual | 2.123B |
| Revenue Surprise | -0.98% |
| Release date | Oct 17, 2025 |
| EPS estimate | $1.00 |
| EPS actual | $1.15 |
| EPS Surprise | 15.00% |
| Revenue estimate | 2.115B |
| Revenue actual | 2.37B |
| Revenue Surprise | 12.06% |
| Release date | Jul 18, 2025 |
| EPS estimate | $0.81 |
| EPS actual | $0.99 |
| EPS Surprise | 21.92% |
| Revenue estimate | 2.038B |
| Revenue actual | 2.283B |
| Revenue Surprise | 12.00% |
Last 4 Quarters for Ally Financial
Below you can see how ALLY performed 4 days prior and 4 days after releasing the earnings report. Also, you can see the pre-estimates and the actual earnings. This information can give you a slight idea of what you might expect for the next quarter's release.
| Release date | Jul 18, 2025 |
| Price on release | $39.88 |
| EPS estimate | $0.81 |
| EPS actual | $0.99 |
| EPS surprise | 21.92% |
| Date | Price |
|---|---|
| Jul 14, 2025 | $40.65 |
| Jul 15, 2025 | $39.04 |
| Jul 16, 2025 | $39.33 |
| Jul 17, 2025 | $40.24 |
| Jul 18, 2025 | $39.88 |
| Jul 21, 2025 | $38.85 |
| Jul 22, 2025 | $38.84 |
| Jul 23, 2025 | $39.44 |
| Jul 24, 2025 | $38.38 |
| 4 days before | -1.89% |
| 4 days after | -3.76% |
| On release day | -2.58% |
| Change in period | -5.58% |
| Release date | Oct 17, 2025 |
| Price on release | $39.82 |
| EPS estimate | $1.00 |
| EPS actual | $1.15 |
| EPS surprise | 15.00% |
| Date | Price |
|---|---|
| Oct 13, 2025 | $37.87 |
| Oct 14, 2025 | $39.94 |
| Oct 15, 2025 | $39.70 |
| Oct 16, 2025 | $38.45 |
| Oct 17, 2025 | $39.82 |
| Oct 20, 2025 | $40.50 |
| Oct 21, 2025 | $40.98 |
| Oct 22, 2025 | $40.60 |
| Oct 23, 2025 | $41.02 |
| 4 days before | 5.15% |
| 4 days after | 3.01% |
| On release day | 1.71% |
| Change in period | 8.32% |
| Release date | Jan 21, 2026 |
| Price on release | $42.43 |
| EPS estimate | $1.01 |
| EPS actual | $1.09 |
| EPS surprise | 7.92% |
| Date | Price |
|---|---|
| Jan 14, 2026 | $43.87 |
| Jan 15, 2026 | $43.65 |
| Jan 16, 2026 | $43.61 |
| Jan 20, 2026 | $42.42 |
| Jan 21, 2026 | $42.43 |
| Jan 22, 2026 | $41.99 |
| Jan 23, 2026 | $41.11 |
| Jan 26, 2026 | $42.21 |
| Jan 27, 2026 | $42.89 |
| 4 days before | -3.28% |
| 4 days after | 1.08% |
| On release day | -1.04% |
| Change in period | -2.23% |
| Release date | Apr 17, 2026 |
| Price on release | $45.36 |
| EPS estimate | $0.93 |
| EPS actual | $1.11 |
| EPS surprise | 18.84% |
| Date | Price |
|---|---|
| Apr 13, 2026 | $41.94 |
| Apr 14, 2026 | $42.57 |
| Apr 15, 2026 | $42.24 |
| Apr 16, 2026 | $41.96 |
| Apr 17, 2026 | $45.36 |
| Apr 20, 2026 | $46.30 |
| Apr 21, 2026 | $45.70 |
| Apr 22, 2026 | $45.72 |
| Apr 23, 2026 | $45.02 |
| 4 days before | 8.15% |
| 4 days after | -0.750% |
| On release day | 2.07% |
| Change in period | 7.34% |
Ally Financial Earnings Call Transcript Summary of Q1 2026
Ally reported strong first-quarter 2026 results driven by its Focus Forward strategy: adjusted EPS of $1.11 (up 90% YoY), core ROTCE of 11.1% (up 440 bps YoY), adjusted net revenue of $2.2 billion, and CET1 of 10.1% (up ~60 bps YoY). Key operational highlights included record application flow (4.4 million) leading to $11.5 billion consumer originations (+13% YoY), record insurance written premium ($389 million), and continued growth in Corporate Finance (portfolio ~$13.7–$14B with a 26% ROE). Retail deposits remain strong at $146 billion with 6% customer growth year over year and 92% FDIC-insured balances. Credit trends improved: consolidated NCOs 1.21% (down YoY) and retail auto NCOs 1.97% (down YoY). NIM (ex-OID) was 3.52% for the quarter; management reiterated full-year NIM guidance of 3.60%–3.70% and expects to target a sustainable upper-3% margin over time. Management views recent Basel III proposal changes as constructive for Ally and reiterated capital priorities: support organic growth, build capital, sustain the dividend ($0.30 quarterly), and continue opportunistic buybacks (repurchased $147M this quarter). Management remains measured on growth given macro uncertainty but confident in the franchise’s momentum, disciplined credit approach, cost discipline (adjusted noninterest expense down YoY), and path to mid-teens returns over time.
