Ally Financial Inc.(ALLY)Stock Analysis
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Rank #371 of 2,879 stocksTOP 25%
Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.
Revenue Growth
Profitability
Balance Sheet
Earnings Quality
Free Cash Flow
Institutional Flow
Revenue Scale
Dilution Risk
ALLY Stock Analysis & AI Quality Score
AI stock analysis and institutional research for Ally Financial Inc. (ALLY), a Financials sector company. 13F Pro's AI-powered ranking engine scores ALLY at 69.3/100 on a 32-signal composite quality model, placing it at rank #371 of 2,879 stocks — the top 25% of the AI-ranked universe. ALLY scores in the top quartile across free cash flow (96.5), profitability (87.3), institutional flow (76.6). Areas of concern include earnings quality (17.3) and balance sheet strength (37.9), which score below median versus the broader universe. Based on the latest XBRL financial filings (Q1 2026), Ally Financial Inc. reports quarterly revenue of $2.1B, net income of $319.0M, an operating margin of 19.0%. Top institutional holders of ALLY by reported 13-F value include BERKSHIRE HATHAWAY, BlackRock,, HARRIS ASSOCIATES L P, based on the most recent SEC filings. ALLY trades on the NYSE exchange and files with the SEC under CIK 40729. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate ALLY daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for Ally Financial Inc. directly from SEC EDGAR. Ally Financial Inc.'s 13F Pro composite quality score has ranged between 8 and 77 since 2021, currently 69.3 — an improving long-term trajectory across 56 quarterly and live scoring snapshots.
What's Driving ALLY's Business? Latest 10-Q Breakdown
✓ 23/23 datapoints verifiedAI-extracted from Ally Financial Inc.'s 10-Q filed 2026-05-05 — Q1 2026 (quarter ended March 31, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.
Ally returned to profitability with $319M net income in Q1 2026, up from a $225M loss in Q1 2025, driven by higher net revenue and lower noninterest expenses despite increased provision for credit losses.
Biggest Revenue Drivers
Total revenue: $2.1B+36% YoY
Higher consumer automotive yields from higher-yielding originations, partially offset by higher interest expense on growing asset balances.
Lower P&C and VSC volume, offset partially by growth in GAP and ancillary F&I products.
Portfolio growth in sponsor finance and private credit finance businesses.
Improvement primarily from reduced losses on investments; prior year included $495M loss on balance sheet repositioning.
Largest Expense Items
Increase driven by portfolio growth in consumer automotive and reversal of prior-year credit card benefit upon held-for-sale transfer.
Lower expenses despite growth in business operations.
Lower weather-related losses; prior year had $58M in weather losses versus $16M in current quarter.
Reduction driven by closure of Ally Credit Card sale on April 1, 2025.
Margins: Net interest margin (net yield on interest-earning assets) expanded to 3.48% from 3.31% YoY, reflecting a shift to higher-yielding originations and lower deposit costs from the declining rate environment. Gross margin benefits were partially offset by higher provision for credit losses as a percentage of assets.
Watch Items from the Filing
- Consumer automotive nonprime loans represent 10.5% of total consumer automotive portfolio at March 31, 2026, slightly higher than 10.1% at year-end; strategy to maximize risk-adjusted returns across credit tiers includes increasing nonprime originations.
- Operating lease residual risk concentrated: 39% of leases covered by OEM residual guarantees, 61% exposed to direct residual value risk; used vehicle market pressures on plug-in hybrid vehicles and elimination of EV tax credits may limit remarketing gains.
- Carvana concentration: represents 11.1% of consumer automotive loans at March 31, 2026, with 14% of Q1 originations; wholesale line of credit at $79M utilization with $1.5B commitment maturing Q2 2027.
- Capital position strengthened: Common Equity Tier 1 ratio at 10.11% vs. 9.50% YoY; Series B Preferred Stock ($1.35B, 4.7%) being redeemed on May 15, 2026, to be replaced with Series D Preferred Stock ($1.0B, 7.1%).
AI-extracted and verified against SEC EDGAR filing text. Not investment advice.
Revenue
Q1 2026
$2.1B
Net Income
Q1 2026
$319.0M
Free Cash Flow
Q1 2026
$1.4B
Operating Margin
Q1 2026
19.0%
ROIC
Q1 2026
1.2%
D/E Ratio
Q1 2026
1.38
Revenue & Net Income
Earnings Per Share
Key Financials Over Time
Export Financial Table · Pro+Revenue
-3.3% YoYNet Income
+27.5% YoYEPS (Diluted)
+31.7% YoYTotal Assets
+2.2% YoYTotal Debt
+2.0% YoYOp. Cash Flow
-17.6% YoY| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2020 | FY 2017 |
|---|---|---|---|---|---|---|
| Revenue | $7.91B -3.3% | $8.18B -0.6% | $8.23B -2.3% | $8.43B +26.1% | $6.69B +16.0% | $5.76B |
| Net Income | $852.0M +27.5% | $668.0M -30.2% | $957.0M -44.2% | $1.71B +58.0% | $1.08B +16.8% | $929.0M |
| EPS (Diluted) | $2.37 +31.7% | $1.80 -35.0% | $2.77 -44.9% | $5.03 +74.7% | $2.88 +41.2% | $2.04 |
| Total Assets | $196.00B +2.2% | $191.84B -2.3% | $196.33B +2.3% | $191.83B +5.3% | $182.16B +9.0% | $167.15B |
| Total Debt | $24.42B +2.0% | $23.94B -5.0% | $25.21B +2.6% | $24.58B -15.9% | $29.23B -56.2% | $66.68B |
| Operating Cash Flow | $3.73B -17.6% | $4.53B -0.6% | $4.56B -27.1% | $6.25B +67.1% | $3.74B -8.3% | $4.08B |
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Top Institutional Holders of ALLY
BERKSHIRE HATHAWAY INC
$1.1B29,000,000 shBlackRock, Inc.
$1.1B28,534,233 shHARRIS ASSOCIATES L P
$1.0B26,410,285 shVANGUARD PORTFOLIO MANAGEMENT LLC
$523.7M13,349,079 shVANGUARD CAPITAL MANAGEMENT LLC
$489.3M12,473,847 shWELLINGTON MANAGEMENT GROUP LLP
$445.6M11,358,908 shDIMENSIONAL FUND ADVISORS LP
$353.8M9,018,580 shSTATE STREET CORP
$340.6M8,682,978 shSessa Capital IM, L.P.
$333.0M8,488,098 shARROWSTREET CAPITAL, LIMITED PARTNERSHIP
$266.1M6,783,947 sh
| Fund | Value | Shares |
|---|---|---|
| BERKSHIRE HATHAWAY INC | $1.1B | 29,000,000 |
| BlackRock, Inc. | $1.1B | 28,534,233 |
| HARRIS ASSOCIATES L P | $1.0B | 26,410,285 |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $523.7M | 13,349,079 |
| VANGUARD CAPITAL MANAGEMENT LLC | $489.3M | 12,473,847 |
| WELLINGTON MANAGEMENT GROUP LLP | $445.6M | 11,358,908 |
| DIMENSIONAL FUND ADVISORS LP | $353.8M | 9,018,580 |
| STATE STREET CORP | $340.6M | 8,682,978 |
| Sessa Capital IM, L.P. | $333.0M | 8,488,098 |
| ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | $266.1M | 6,783,947 |
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Is ALLY a good stock to buy?
13F Pro's AI-powered analysis of Ally Financial Inc. (ALLY) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on NYSE). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for ALLY are available on the ALLY stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.
Which hedge funds own ALLY?
Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling ALLY. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of Ally Financial Inc.'s investment landscape.