Ally Financial Inc. · ALLY · Next earnings

Ally Financial Inc. reports Tuesday, Oct 20, 2026

ALLY reports before market open with consensus EPS at $1.33 and revenue at $2.30B. Last quarter: Ally pairs strong auto demand with a closer credit watch

Reports Before market open0 days awayDate estimated Financial Services

What the street expects

Consensus for the coming report
Consensus EPS $1.33 Calendar consensus
Consensus revenue $2.30B Calendar consensus
Report date Oct 20, 2026 Tuesday, date estimated
Session Before market open 0 days away

Where ALLY left off: FY2026 Q3

Full report

Ally pairs strong auto demand with a closer credit watch

EPS surprise — Reported — vs $1.33
Revenue surprise — Reported — vs $2.30B
Stock move +0.9% Event window
Subsequent drift 0.0% Up to 20 sessions

Management reaffirmed full-year net interest margin guidance in the high-3% range and cited a 5%-6% average earning-asset growth target.

What to watch on the call

Carried forward from the last transcript

Risks management flagged

  • CECL reserve buildup as assets grow and lease-residual pressure persists.
  • Elevated delinquencies in late-2025 and early-2026 vintages.
  • Inflation, high oil prices, lower personal savings, and potential rate hikes could pressure consumers and margins.

Questions analysts left open

  • Credit quality and delinquency progression in late-2025 and early-2026 vintages.
  • Net interest margin sensitivity to rate volatility and lease-residual pressure.
  • Whether competition could affect returns, application flow, and the durability of capital returns.

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Recent ALLY quarters

All ALLY earnings
+0.9%FY2026 Q3

Sources

  1. FN2 corporate events calendar, resolved from the earnings calendar feed
  2. FN2 earnings calendar analyst consensus
  3. Earnings call transcript analysis, FY2026 Q3

Methodology

The report date comes from FN2's resolved corporate-events calendar and is marked estimated until the company confirms it. Consensus figures are the calendar's latest analyst estimates for the fiscal period and are not an FN2 forecast.

Risks and open questions are carried forward verbatim from FN2's structured analysis of the previous earnings call. Missing values stay missing and are never estimated.

By FN2 Research · Updated . For educational purposes only; not investment advice.