Pulling SEC filings + quote and writing the call…
Pulling SEC filings + quote and writing the call…

Ally Financial Inc.
Next earnings Jul 16, 2026 (before open) · consensus $1.29 EPS, $2.26B rev
Last earnings +8.1% on 2026-04-17
Digital auto-finance bank with earnings rebounding (EPS +31.7%) but low 5.5% ROE and heavy credit/used-vehicle exposure keep it a hold.
Sources: SEC EDGAR (CIK 0000040729, latest 10-Q filed 2026-05-05) · EODHD · analysis by claude-code · as of 6/21/2026, 8:45:59 PM.
Research and education only — not financial advice. Calls are generated from SEC filings and a delayed/third-party price feed, may be wrong or out of date, and are not a recommendation to buy or sell any security. Do your own research.
Middling fundamentals offset by an attractive price (~42% below fair value) — worth a look on the value angle.
Ally is the largest all-digital bank in the US, anchored by a dealer-centric auto-finance franchise. FY2025 earnings recovered strongly — net income up 27.5% to $852M and diluted EPS up 31.7% to $2.37 — and equity grew 11.5% to $15.5B, lifting retained earnings 134.4% to $633M. After two years of declining profit (net income fell from $957M in FY2023 to $668M in FY2024), the upturn signals credit and net-interest-margin pressures may be easing.
The risks, catalysts, 12-month price target and the cited SEC figures behind this rating — with Pro.
Unlock with Pro€15/mo · cancel anytime
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | $852M | $908M | $968M | $1.20B | $1.24B |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $3.06B | $1.71B | $957M | $668M | $852M |
| Diluted EPS | $8.22 | $5.03 | $2.77 | $1.80 | $2.37 |
| Net margin | 359.2% | 188.8% | 98.9% | 55.8% | 68.5% |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
1482 tracked peers · median
1 sell · 1 member · last 180d
Self-reported periodic transaction reports (STOCK Act). Amounts are disclosed ranges; a trade may be a spouse's. Disclosures lag the trade by up to ~45 days. Source: House Clerk + Senate eFD.
Source: EODHD. Yield = trailing-12-month dividends ÷ price.
Recent news tone vs the market's typical (which skews positive). A soft signal, not a recommendation.
Dates from 8-K (Item 2.02); beat/miss = reported EPS vs consensus (Finnhub, recent quarters); move = prior close → close on/after.
Last 90 days: 0 open-market buys · 1 sale
| 2026-05-15 | Richard Stephanie N Chief Risk Officer | Sell | 5.00K @ $42.14 | $211K |
| 2026-05-15 | Hutchinson Russell E. Chief Financial Officer | Disposed (J) | 6.00 @ $1,000.00 | $6.00K |
| 2026-05-15 | Weber Tracey Drake Director | Award | 3.63K @ $41.99 | $153K |
| 2026-05-15 | SHARPLES BRIAN Director | Award | 3.63K @ $41.99 | $153K |
| 2026-05-15 | Reilly David Director | Award | 3.63K @ $41.99 | $153K |
| 2026-05-15 | MERRILL ALLAN P Director | Award | 3.63K @ $41.99 | $153K |
| 2026-05-15 | HOBBS FRANKLIN W IV Director | Award | 6.13K @ $41.99 | $258K |
| 2026-05-15 | GOLDBERG MICHELLE J Director | Award | 3.63K @ $41.99 | $153K |