Analyst Consensus ?
ConsensusBuy38 ratings
Bullish2565.8%
Neutral1231.6%
Bearish12.6%
Ally Financial Inc. · ALLY · FY2025 Q2 · Calendar Q3 2025
Ally maintains NIM guidance as credit trends improve
The current analysis supports a cautiously constructive operating thesis for Ally: management reported strong Q2 results, improving credit indicators, a stable deposit franchise and maintained NIM guidance. The counterweight is that the outlook still depends on funding and credit conditions, with potential rate cuts, elevated delinquencies and insurance costs limiting confidence in the durability of margin expansion.
Reported Before market openNYSEFinancial Services
$11.55B market cap
100quality score
Earnings scorecard
Reported versus consensus
Reported EPS
$0.99
Consensus $0.81
EPS surprise
+21.9%
Reported versus consensus
Reported revenue
$2.28B
Consensus $2.04B
Revenue surprise
+12.0%
Reported versus consensus
Market reaction
prior-close to event-session close
Stock move
-0.9%
Event window
SPY move
-0.1%
Same window
Abnormal move
-0.8%
Stock minus SPY
Volume
1.9×
Versus trailing sessions
Subsequent drift
-2.6%
Up to 20 sessions
ALLYSPY benchmark
Ask FN2 about ALLY FY2025 Q2
Transcript, numbers and history already loaded
Why did ALLY fall 0.9% after beating EPS estimates in FY2025 Q2?What changed in ALLY's guidance and outlook in FY2025 Q2?Give me the bull and bear case for ALLY after FY2025 Q2 earnings.
Free account. Your question opens in FN2 with this report's transcript and numbers attached.
Transcript intelligence
What changed
Relative to the prior analysis, management reported stronger Q2 profitability, NIM expansion to 3.45% and the first year-over-year improvement in delinquency rates since 2021. The credit-card sale was completed, creating a capital benefit but a NIM headwind; planned credit risk transfer transactions and a 4% upper-range NIM objective added to the capital and margin discussion.
Guidance delta
Management maintained full-year NIM guidance of 3.4%-3.5%, while setting a 4% upper-range objective and narrowing its net charge-off outlook.
Key takeaways
- Management described Q2 as strong, with adjusted EPS of $0.99 and core pre-tax income of $480 million.
- NIM expanded to 3.45% despite a 20-basis-point headwind from the credit-card sale.
- Higher-yielding retail auto loans, insurance-related fees, corporate finance and low-cost deposits remain central profit drivers.
- Credit quality improved, while management continued to flag rate cuts and macro uncertainty as near-term margin risks.
Management priorities
- Pursue higher-yielding retail auto and corporate finance assets while monitoring macro risks.
- Use planned second-half credit risk transfer transactions to support CET1 ratios.
- Control expenses while investing in AI, cybersecurity and digital tools.
- Grow insurance premium volume and continue disciplined capital management.
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Try FN2 freeEarnings History
Estimate
Beat
Miss
Match
Analyst 52W Price Targets
$37.97Previous close
$25Low
$48.26Average
$71High
Latest persisted target per named analyst; persisted previous close from FN2's market snapshot as of Oct 21, 2026. Not an FN2 forecast.
Firm-level rating actions
FMP grade actions identify the grading firm, not a named analyst.
| Firm | Rating | Prior rating | Action | Date |
|---|---|---|---|---|
| Morgan Stanley | Equal Weight | Overweight | Downgrade | Oct 12, 2026 |
| JP Morgan | Overweight | Overweight | Maintain | Oct 12, 2026 |
| RBC Capital | Outperform | Outperform | Maintain | Oct 9, 2026 |
| TD Cowen | Buy | Buy | Maintain | Oct 6, 2026 |
| Raymond James | Strong Buy | Strong Buy | Maintain | Oct 6, 2026 |
| UBS | Buy | Buy | Maintain | Oct 5, 2026 |
| Wells Fargo | Equal Weight | Overweight | Downgrade | Sep 30, 2026 |
| Citigroup | Buy | Buy | Maintain | Sep 25, 2026 |
| Truist Securities | Buy | Buy | Maintain | Sep 23, 2026 |
| B of A Securities | Buy | Buy | Maintain | Jul 8, 2026 |
| Evercore ISI Group | Outperform | Outperform | Maintain | Apr 21, 2026 |
| Goldman Sachs | Buy | Buy | Maintain | Apr 20, 2026 |
| Barclays | Equal Weight | Equal Weight | Maintain | Apr 20, 2026 |
| Keefe, Bruyette & Woods | Outperform | Outperform | Maintain | Oct 1, 2025 |
| BTIG | Neutral | Sell | Upgrade | Jul 14, 2025 |
| Compass Point | Buy | Neutral | Upgrade | Apr 7, 2025 |
| Jefferies | Hold | Hold | Maintain | Jan 23, 2025 |
| Wolfe Research | Peer Perform | Outperform | Downgrade | Dec 5, 2024 |
| Deutsche Bank | Buy | Buy | Maintain | Jul 1, 2024 |
| BMO Capital | Market Perform | Market Perform | Maintain | Apr 19, 2024 |
| Piper Sandler | Neutral | Neutral | Maintain | Sep 29, 2023 |
| Stephens & Co. | Equal Weight | Equal Weight | Maintain | Aug 31, 2023 |
| Credit Suisse | Outperform | Outperform | Maintain | Jan 23, 2023 |
| Nomura | Buy | Buy | Maintain | Apr 21, 2020 |
| CFRA | Sell | Strong Sell | Maintain | Apr 21, 2020 |
| Sandler O'Neill | Buy | Hold | Upgrade | Feb 26, 2019 |
| Oppenheimer | Outperform | Outperform | Maintain | Oct 4, 2018 |
| Bank of America | Buy | Neutral | Upgrade | Jul 30, 2018 |
| Janney Montgomery Scott | Buy | Neutral | Upgrade | Jun 29, 2018 |
| Janney Capital | Buy | Neutral | Upgrade | Jun 29, 2018 |
| Instinet | Neutral | Neutral | Maintain | Jun 19, 2018 |
| PiperJaffray | Overweight | Overweight | Maintain | Jun 9, 2017 |
| Susquehanna | Outperform | Positive | Maintain | Jan 23, 2017 |
| Macquarie | Neutral | Neutral | Maintain | May 11, 2016 |
| Guggenheim | Buy | Buy | Maintain | Jun 30, 2015 |
| Bernstein | Outperform | Outperform | Maintain | Feb 12, 2015 |
| Keefe Bruyette & Woods | Outperform | Outperform | Maintain | Feb 2, 2015 |
| Evercore Partners | Equal Weight | Equal Weight | Maintain | May 20, 2014 |
Named analyst price targets
Upside is calculated against the persisted previous close $37.97. FMP does not supply a rating on these named-analyst rows.
| Firm | Analyst | 52W target | Price when posted | Upside | Date |
|---|---|---|---|---|---|
| Morgan Stanley | Jeffrey Adelson | $43 | $37.59 | +13.2% | Oct 12, 2026 |
| RBC Capital | Analyst unavailable | $50 | $37.68 | +31.7% | Oct 9, 2026 |
| Raymond James | Nicholas Holowko | $52 | $37.63 | +37.0% | Oct 6, 2026 |
| Goldman Sachs | Analyst unavailable | $45 | $37.63 | +18.5% | Oct 6, 2026 |
| UBS | Erika Najarian | $50 | $37.91 | +31.7% | Oct 5, 2026 |
| Wells Fargo | Donald Fandetti | $42 | $37.81 | +10.6% | Sep 30, 2026 |
| Raymond James | Analyst unavailable | $55 | $41.85 | +44.9% | Sep 1, 2026 |
| Neuberger Berman | Brandon Berman | $49 | $43.46 | +29.0% | Jul 23, 2026 |
| Deutsche Bank | Analyst unavailable | $58 | $43.75 | +52.8% | Jul 22, 2026 |
| RBC Capital | Jon Arfstrom | $55 | $45.54 | +44.9% | Jul 10, 2026 |
| Neuberger Berman | Brandon Berman | $53 | $45.4 | +39.6% | Jul 8, 2026 |
| Wells Fargo | Analyst unavailable | $55 | $46.32 | +44.9% | Jun 26, 2026 |
| Truist Financial | Brian Foran | $54 | $45.85 | +42.2% | Apr 21, 2026 |
| Evercore ISI | Analyst unavailable | $54 | $46.26 | +42.2% | Apr 21, 2026 |
| Goldman Sachs | Analyst unavailable | $56 | $45.36 | +47.5% | Apr 20, 2026 |
| Evercore ISI | Analyst unavailable | $51 | $41.28 | +34.3% | Feb 5, 2026 |
| Truist Financial | Analyst unavailable | $50 | $41.43 | +31.7% | Jan 26, 2026 |
| Deutsche Bank | Mark DeVries | $57 | $42.4 | +50.1% | Jan 22, 2026 |
| RBC Capital | Analyst unavailable | $52 | $44.64 | +37.0% | Jan 12, 2026 |
| UBS | Analyst unavailable | $48 | $45.72 | +26.4% | Jan 12, 2026 |
| UBS | Analyst unavailable | $56 | $46.61 | +47.5% | Jan 8, 2026 |
| Evercore ISI | Analyst unavailable | $53 | $46.62 | +39.6% | Jan 6, 2026 |
| Goldman Sachs | Analyst unavailable | $55 | $46.51 | +44.9% | Jan 6, 2026 |
| Barclays | Jason Goldberg | $54 | $45.76 | +42.2% | Jan 5, 2026 |
| Truist Financial | Analyst unavailable | $51 | $46.14 | +34.3% | Dec 22, 2025 |
| Wells Fargo | Donald Fandetti | $52 | $44.33 | +37.0% | Dec 17, 2025 |
| Morgan Stanley | Analyst unavailable | $53 | $44.87 | +39.6% | Dec 16, 2025 |
| Truist Financial | Analyst unavailable | $47 | $39.82 | +23.8% | Oct 20, 2025 |
| Neuberger Berman | Brandon Berman | $42 | $36.96 | +10.6% | Oct 13, 2025 |
| Evercore ISI | John Pancari | $44 | $39.86 | +15.9% | Sep 30, 2025 |
| Morgan Stanley | Analyst unavailable | $52 | $40.16 | +37.0% | Sep 29, 2025 |
| Wells Fargo | Analyst unavailable | $45 | $40.76 | +18.5% | Sep 2, 2025 |
| Truist Financial | Analyst unavailable | $45 | $32.12 | +18.5% | Apr 4, 2025 |
| Wells Fargo | Donald Fandetti | $34 | $39.65 | -10.5% | Jan 23, 2025 |
| Morgan Stanley | Jeffrey Adelson | $42 | $38.55 | +10.6% | Dec 19, 2024 |
| Barclays | Jason Goldberg | $36 | $35.01 | -5.2% | Oct 21, 2024 |
| Evercore ISI | John Pancari | $38 | $35.12 | +0.1% | Oct 7, 2024 |
| Citigroup | Keith Horowitz | $50 | $34.97 | +31.7% | Sep 30, 2024 |
| Wells Fargo | Donald Fandetti | $32 | $34.62 | -15.7% | Sep 26, 2024 |
| Bank of America Securities | Brandon Berman | $37 | $32.67 | -2.6% | Sep 11, 2024 |
| Evercore ISI | John Pancari | $47 | $32.58 | +23.8% | Sep 10, 2024 |
| Jefferies | John Hecht | $45 | $32.93 | +18.5% | Sep 10, 2024 |
| Raymond James | James Fotheringham | $39 | $42.44 | +2.7% | Jul 18, 2024 |
| RBC Capital | Jon Arfstrom | $49 | $43.43 | +29.0% | Jul 18, 2024 |
| Barclays | Jason Goldberg | $44 | $43.43 | +15.9% | Jul 18, 2024 |
| Wells Fargo | Gary Mobley | $33 | $38.57 | -13.1% | Jun 12, 2024 |
| BTIG | Vincent Caintic | $51 | $38.46 | +34.3% | Jun 7, 2024 |
| BMO Capital | James Fotheringham | $37 | $38.71 | -2.6% | Apr 19, 2024 |
| RBC Capital | Jon Arfstrom | $43 | $39.15 | +13.2% | Apr 10, 2024 |
| Neuberger Berman | Brandon Berman | $46 | $38.57 | +21.1% | Apr 9, 2024 |
| Morgan Stanley | Betsy Graseck | $47 | $36.19 | +23.8% | Feb 8, 2024 |
| Goldman Sachs | Ryan Nash | $37 | $37.09 | -2.6% | Feb 1, 2024 |
| Loop Capital Markets | James Fotheringham | $37 | $36.55 | -2.6% | Jan 23, 2024 |
| Morgan Stanley | Analyst unavailable | $25 | $33.64 | -34.2% | Feb 8, 2023 |
| Jefferies | Analyst unavailable | $25 | $26.2 | -34.2% | Jan 10, 2023 |
| Piper Sandler | Analyst unavailable | $28 | $26.07 | -26.3% | Jan 9, 2023 |
| Wells Fargo | Analyst unavailable | $20 | $24.3 | -47.3% | Jan 3, 2023 |
| Barclays | Analyst unavailable | $33 | $24.45 | -13.1% | Jan 3, 2023 |
| Wells Fargo | Analyst unavailable | $22 | $24.53 | -42.1% | Dec 15, 2022 |
| Morgan Stanley | Analyst unavailable | $19 | $27.01 | -50.0% | Dec 1, 2022 |
| Barclays | Jason Goldberg | $56 | $33.07 | +47.5% | Jul 31, 2022 |
| Deutsche Bank | Meng Jiao | $55 | $33.07 | +44.9% | Jul 30, 2022 |
| Evercore ISI | John Pancari | $36 | $33.32 | -5.2% | Jul 19, 2022 |
| Piper Sandler | Kevin Barker | $45 | $34.74 | +18.5% | Jul 10, 2022 |
| Wells Fargo | Donald Fandetti | $50 | $41.59 | +31.7% | Apr 24, 2022 |
| Raymond James | David Long | $50 | $44.81 | +31.7% | Apr 20, 2022 |
| Piper Sandler | Kevin Barker | $47 | $43.76 | +23.8% | Apr 18, 2022 |
| Morgan Stanley | Betsy Graseck | $55 | $43.98 | +44.9% | Apr 2, 2022 |
| Citigroup | Arren Cyganovich | $65 | $49.14 | +71.2% | Nov 10, 2021 |
| Wolfe Research | Bill Carcache | $71 | $48.76 | +87.0% | Nov 9, 2021 |
| Barclays | Jason Goldberg | $68 | $50.11 | +79.1% | Oct 22, 2021 |
| Jefferies | John Hecht | $65 | $52.36 | +71.2% | Oct 21, 2021 |
| Stephens | Vincent Caintic | $67 | $52.34 | +76.5% | Oct 7, 2021 |
| Compass Point | Giuliano Bologna | $62 | $50.07 | +63.3% | Jul 20, 2021 |
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Start freeCompany context
Snapshot as of publicationAlly Financial Inc. operates as a digital-first financial services provider, offering a comprehensive suite of products and services to individual consumers, commercial enterprises, and corporate clients. Its primary operational footprint spans the United States and Canada. The company is structured into four main operating segments: 1. Automotive Finance Operations: This segment specializes in vehicle financing solutions. Offerings include retail installment sales contracts, loans, and operating leases for consumers, as well as term loans for dealerships. It also facilitates dealer floorplan financing, other lines of credit for dealers, warehouse lines for automotive retailers, and fleet financing. Furthermore, this division provides funding for companies and municipalities purchasing or leasing vehicles and offers vehicle remarketing services. 2. Insurance Operations: Through this segment, Ally provides consumer finance protection and various insurance products via the automotive dealer channel.…
Historical context
All ALLY earningsFinancial Services peers this season
Latest reports in the same sector| Company | Quarter | EPS surprise | Market move | Headline |
|---|---|---|---|---|
| COF-PL Capital One Financial Corporation | FY2026 Q3 · Calendar Q4 2026 | +21.6% | — | Capital One Q3: Discover Synergies Lead as Marketing Rises |
| COF-PN Capital One Financial Corporation | FY2026 Q3 · Calendar Q4 2026 | +21.6% | — | Capital One pairs Q3 earnings growth with integration progress |
| EWBC East West Bancorp, Inc. | FY2026 Q3 · Calendar Q4 2026 | +1.5% | +2.2% | EWBC: Record Q3 Results, Higher NII Guidance |
| COF Capital One Financial Corporation | FY2026 Q3 · Calendar Q4 2026 | +21.6% | +0.9% | Capital One posts Q3 beat as synergies and credit trends strengthen |
| KEY-PK KeyCorp | FY2026 Q3 · Calendar Q4 2026 | +10.5% | — | KeyCorp posts strong Q3 as deposits and loan demand support growth |
| KEY-PL KeyCorp | FY2026 Q3 · Calendar Q4 2026 | +10.5% | — | KeyCorp posts strong Q3 as deposits and commercial demand rise |
Latest beats and misses
Who reports nextBeat on EPS
- COF-PLFY2026 Q3 · October 20, 2026+21.6% EPS— move
- COF-PNFY2026 Q3 · October 20, 2026+21.6% EPS— move
- EWBCFY2026 Q3 · October 20, 2026+1.5% EPS+2.2% move
- COFFY2026 Q3 · October 20, 2026+21.6% EPS+0.9% move
- HALFY2026 Q3 · October 20, 2026+2.7% EPS+1.8% move
- RTXFY2026 Q3 · October 20, 2026+27.0% EPS+0.6% move
Missed on EPS
- PACFY2026 Q3 · October 20, 2026-2.2% EPS+7.1% move
- AGNCZFY2026 Q3 · October 19, 2026-0.6% EPS+0.3% move
- AGNCLFY2026 Q3 · October 19, 2026-0.6% EPS-0.3% move
- AGNCOFY2026 Q3 · October 19, 2026-0.6% EPS+0.3% move
- AGNCPFY2026 Q3 · October 19, 2026-0.6% EPS0.0% move
- AGNCMFY2026 Q3 · October 19, 2026-0.6% EPS-0.3% move
Get the ALLY recap when the next report posts
One email per quarter with the scorecard, the market reaction and what changed on the call. No account needed.
Sources
- Earnings call transcript and parsed analysis · 2026-05-11T10:29:34.698584+00:00
- FN2 earnings calendar · 2026-07-26T00:37:55.686058+00:00
- Polygon adjusted daily market bars · 2026-10-21T12:00:43.546577+00:00
- Financial Modeling Prep analyst price-target consensus and quote snapshot · 2026-10-21T12:00:43.543761+00:00
Methodology
Reported and consensus figures come from FN2's earnings event records. Market reaction and volume are calculated from daily adjusted bars around the event; abnormal move subtracts the SPY move over the same window.
Analyst target low, average, and high values are derived at request time from each named analyst's latest persisted FMP target. The current-price marker comes from FN2's persisted market snapshot. They are sell-side estimates, not an FN2 valuation or recommendation.
Transcript intelligence is a structured synthesis of the current and prior earnings-call analyses. Missing values stay missing and are never estimated.
By FN2 Research · Updated · As of 2026-10-21. For educational purposes only; not investment advice.