ALLYAlly Financial Inc
Earnings Recap
• Reported GAAP EPS of $0.95 up 265.38% YoY • Reported revenue of $2.12B up 4.79% YoY • Ally's Board of Directors approved another $0.30 per share common dividend for the first quarter of 2026, signaling continued capital allocation plans for Ally Financial.
Bullish
Ally Financial strengthened its Common Equity Tier 1 capital ratio and initiated a $2 billion share repurchase program. Ally also achieved retail deposit growth with strong customer acquisition, alongside improved auto portfolio yields and credit quality.
Bearish
Ally Financial experienced a decline in Auto Finance pre-tax income and Corporate Finance pre-tax income due to higher provision expense and lower net financing revenue, while full-year other revenue also decreased significantly.