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ALALLY

Ally Financial Inc.

$ALLY·$13B·Financial - Credit Services·Financial Services
$43.83+0.5%YTD-4.7%1Y+4.7%
Price updated 5d ago·X counts updated 6d ago
ALALLY
$ALLYAlly Financial Inc.
$43.83+0.54%20 posts
AI analysisFundamentalsVoices on X
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On X

Top X posts

The complete picture of $ALLY on X — how loud the conversation is right now, how it has trended over the last two weeks, and which way the crowd is leaning.

20X posts · last 7 days
Aug 22Sep 3
Bearish sentimentAI analysisGenerated by AI from underlying data6 posts analyzed · as of 2026-07-31

Ally Financial is being picked apart on credit quality. The core thread digs into the CVNA relationship and questions who is actually funding the auto-loan pipeline as Ally already carries $8B of MPSA exposure at a slower ramp than CVNA's originations, with gain-on-sale margins compressing from 8.2% to 7.0% quarter over quarter. Even the neutral posts frame Ally as 'the next vintage' rather than a franchise story. There are no bull rebuttals in this window; the debate is only about how bad the second-half liquidity story gets.

Read what X is saying about $ALLY

  • Bullish vs bearish call — with the AI summary of the day's posts
  • Divergence flag when the top-engagement posts argue the other side
  • How loud the conversation is versus this ticker's own normal
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AI verdictAI analysisGenerated by AI from underlying data

TickerTalks' own read on what's driving $ALLY — fundamentals, momentum, or an event — and whether it agrees with the X crowd.

Proven numbersCooling offAI verdict · as of 2026-09-03

Catching its breath after a run — could pick back up or fade from here.

Ally Financial with steady EPS beats but the tape rangebound and the crowd digging into auto-credit quality concerns.

Ally Financial is a scaled digital-first financial services provider whose earnings continue to beat and whose equity has spent the year rangebound as investors scrutinize auto-credit quality and the Carvana relationship.

  • Market cap is about $13.3B with the stock at $42.66, down 5% year-to-date and up 5% over the last twelve months, so the equity has essentially treaded water while the broader market has moved.
  • Price-to-earnings is around 10.8 with operating margin near 11%, gross margin near 49% and free cash flow yield near breakeven (typical for a bank), a cheap multiple for the underlying franchise.
  • Recent quarterly revenue was $3.89B up about 13% year-over-year and the last four earnings prints beat consensus in three of four quarters by up to 19%, so operational execution has been steady.
  • The stock is at 59% of its 52-week range, roughly 4% below the 50-day and essentially at the 200-day moving averages on normal volume with a beta of 1.08, a cooling profile.

The Q2 loan delinquency data and the CVNA/MPSA exposure debate frame the near-term concern, and into Q3 earnings on 2026-10-16 the important question is whether auto-loan credit metrics stabilize enough to reset sentiment or the second-half liquidity story extends the underperformance.

Agrees with X sentimentX captures the credit-quality concerns, the CVNA relationship deep-dive, the $8B MPSA exposure and the compressing gain-on-sale margins accurately; that framing is consistent with a name where operational headwinds outweigh the beat cadence.

What to watch: Q3 earnings on 2026-10-16 for auto-loan credit trends, net interest margin, gain-on-sale margins, and any commentary on the Carvana relationship and the MPSA book.

On the calendar: 2026-10-16 — Q3 earnings

Read the AI verdict on $ALLY

  • One-line verdict on what's driving the move — fundamentals, momentum, both, or an event
  • Next dated catalyst when there is one (earnings, deal closing, activist clock)
  • Whether TickerTalks' read agrees with or diverges from the X crowd
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What it does

Plain-English summary of the business — what they sell and how they make money.

Digital-first bank specializing in auto financing, online deposits, mortgages, and investment services.

Industry overviewAI analysisGenerated by AI from underlying data

Where Financial - Credit Services sits in its cycle right now — and what that implies for $ALLY.

Financial - Credit Services · Financial Services

AI-driven underwriting and BNPL expansion are reshaping credit pricing; card network volumes are resilient to consumer caution thanks to premium-spend mix. Higher-for-longer rates compress subprime credit quality while sustaining net interest margins at traditional lenders.

What this means for $ALLY

Direct beneficiary — AI-native product or platform captures spend from the same capex cycle driving the industry; Digital-first bank specializing in auto financing, online deposits, mortgages, and investment services.

Industry benchmark

19-name peer basket
-8.9%YTD
-19.3%1Y

Fundamentals & catalyst

Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.

Key ratios

P/E
10.8How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.
ROIC
3.3%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.
Op margin
11.1%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.
FCF yield
0.1%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).
P/S
0.9Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.
ROE
9.2%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.
Gross margin
48.9%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.
D/E
1.4Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.

Past earnings

QuarterReportedActualEstimateSurprise
Q2 2026Jul 21, 2026$1.21$1.22-0.8%
Q1 2026Apr 17, 2026$1.11$0.93+18.8%
Q4 2025Jan 21, 2026$1.09$1.01+7.9%
Q3 2025Oct 17, 2025$1.15$1.00+15.0%
Next earningsFri, Oct 16·consensus EPS $1.43

Quarterly trend

QuarterRevenueYoYGrossOpEPSFCF
Q1 FY26$3.9B+13.3%49.0%10.3%$0.94$666.0M
Q4 FY25$3.9B-2.4%48.0%9.8%$0.97$-239.0M
Q3 FY25$3.9B-5.5%49.5%13.0%$1.19$-282.0M
Q2 FY25$3.9B-3.8%49.0%11.2%$1.05$-134.0M

Forward consensus

3-year forecast · up to 11 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$9.1B$8.8B – $9.2B$5.23$5.01 – $5.4911
FY27$9.7B$9.3B – $9.9B$6.42$6.19 – $6.5511
FY28$10.0B$9.6B – $10.5B$7.23$5.68 – $7.7910

Setup & momentum

Volume, range, and moving-average position — the technical setup driving short-term moves.

Right now

Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.0.9×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.67%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.-1.6%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.+1.9%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatHigh float · 269.8M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today1.0% of floatToday's volume as a percent of the free float. Above 5% on a single day is unusually high turnover for the available share count.β1.085-year weekly beta vs the S&P 500. Above 1.5 means the stock typically moves more than the index; below 0.8 moves less.

Insider activity

Recent open-market buys and sells by officers and directors — flagged when multiple insiders cluster.

Recent transactions

SellAug 4Stephanie N RichardChief Risk Officer5.0K sh$221KSellMay 15Stephanie N RichardChief Risk Officer5.0K sh$211KSellApr 17Douglas R. TimmermanPresident39.7K sh$1.8M
+ 19 other (17 awards · 1 inkind · 1 other) in window

See when $ALLY insiders are putting their own money in

  • Real-time open-market buys and sells from Form 4 filings
  • Cluster-buy detection when multiple insiders pile in at once
  • 30 / 60 / 180-day windows so you can spot building conviction
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SEC filings

Material 8-K, 13D, S-3, and 424B5 events from the last 180 days — the filings that actually move the price.

Recent material filings

8-KCharter amendmentMay 208-K — Item 5.03: Charter amendment
3New insider — initial holdingsMay 133
8-KOfficer or director changeMay 88-K — Item 5.02: Officer or director change · Item 5.07: Shareholder vote
8-KCharter amendmentMay 18-K — Item 3.03 · Item 5.03: Charter amendment · Item 8.01: Other event
424B5Prospectus supplement (offering)Apr 27424B5
+ 14 other (2 13Fs · 2 10-Qs · 2 earnings 8-Ks · 2 proxys) in window

Recent news

Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.

Most Active Options Report: DELL, CRDO, GTLB, RUN, ALLYschaeffersresearch.com·7d agoHere Are Wednesday’s Top Wall Street Analyst Research Calls: Ally Financial, GitLab, GLOBAL FOUNDRIES, Martin Marietta Materials, Rocket Lab USA, Strategy, Toast, Tower Semiconductor, and More247wallst.com·7d agoLoan Delinquencies Edge Lower in Q2, but Some Remain at Very High Levels. Here's What It Means for Investors.fool.com·7d agoComparing Ally Financial (NYSE:ALLY) and Atlanticus Holdings Co. 6.125% Senior Notes due 2026 (NASDAQ:ATLCL)defenseworld.net·13d agoAlly Establishes New Benchmark for What Traditional Economic Indicators Missprnewswire.com·14d ago

In themes

Explore the broader themes this ticker is being talked about under.

Consumer Fintech & Neobanks

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Voices on X · top 1 · last 7 days

TickerTalks is a research tool, not financial advice. We surface social-attention data; we do not make stock recommendations. Past attention is not predictive of future price movements.

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