10-K · February 25, 2026
Ally positions itself as the nation’s largest all-digital bank with an industry-leading automotive finance and insurance franchise and $196.0 billion in assets as of December 31, 2025. Management is focusing on dealer…
Earnings analysis · 10-Q
ALLY earnings analysis
Filed May 5, 2026 · Our reading of the company's report
The latest report
Ally Financial's Q1 2026 performance demonstrated significant resilience with a total revenue of $2.102 billion, reflecting a notable 36% year-over-year increase from $1.541 billion in Q1 2025. The company reported…
Read full summary
Ally Financial's Q1 2026 performance demonstrated significant resilience with a total revenue of $2.102 billion, reflecting a notable 36% year-over-year increase from $1.541 billion in Q1 2025. The company reported earnings per share of $1.11, surpassing consensus estimates of $0.94, indicating strong operational momentum despite ongoing headwinds from credit losses and evolving market conditions.
Gross and operating margin
How much of each revenue dollar the business keeps.
One point per quarterly or annual filing. Both margins are shares of that report's revenue.
How we read each report
Our analysis across the last few reports.
Our model's reading of each filing, not the share price or the market's reaction. Annual and quarterly reports each occupy one position.
Reported figures
- Earnings per share
- $1.11
- Segment
- Automotive Finance
- Segment
- Insurance
- Segment
- Corporate Finance
- Segment
- Corporate and Other
What stood out
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Strong Revenue Growth
Total revenue increased by 36% year-over-year, reaching $2.102 billion compared to $1.541 billion in Q1 2025.
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EPS Beats Expectations
Earnings per share came in at $1.11, exceeding expectations of $0.94.
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Segment Profitability Recovery
Income from continuing operations before tax was $400 million, a recovery from a loss of $284 million in the prior year.
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High Automotive Finance Revenue
Automotive Finance revenue rose to $1.396 billion, reflecting a 2% increase year-over-year.
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Corporate Finance Segment Expansion
Corporate Finance reported $148 million in revenue, marking a 11% growth from $133 million in Q1 2025.
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Improved Net Income
Net income from continuing operations was $319 million, a significant recovery from a net loss of $225 million a year earlier.
What to watch
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Rising Credit Loss Provisions
Credit loss provisions surged to $467 million, up 145% from $191 million, indicating increasing risk in portfolios.
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Interest Rate Sensitivity
The balance sheet remains liability sensitive, with potential revenue impacts as rates change.
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Market Volatility and Economic Uncertainty
Macroeconomic factors including geopolitical risk and inflation may adversely affect performance.
Management's outlook
Outlook indicates cautious optimism due to market conditions but lacks explicit numeric guidance.
Earlier filings 4
10-Q · October 30, 2025
Ally reported Q3 2025 net revenue of $2,168 million and diluted EPS of $1.18, both improving vs. Q3 2024 (net revenue +$33 million; diluted EPS +$0.63). Provision for credit losses fell to $415 million (Q3 2024: $645…
10-Q · August 4, 2025
Ally reported a stronger Q2 (three months ended June 30, 2025) with total net revenue of $2,082.0M and diluted EPS of $1.04, both higher versus the prior-year quarter. Pre-tax income widened to $436M from $279M a year…
10-Q · May 5, 2025
Ally reported a weaker quarter with total net revenue of $1,541 million (Q1 2024: $1,998 million) and a net loss of $225 million, producing diluted EPS of $(0.82) (Q1 2024: $0.37). Drivers included a $305 million…
This is our reading of a public filing, not the filing itself. Analysis can contain errors; check the source document for full context.