Q1 26 EPS
$1.11
BEAT +17.93%
Est. $0.94
Q1 26 Revenue
$2.10B
MISS 1.68%
Est. $2.14B
vs S&P Since Q1 26
-4.8%
TRAILING MARKET
ALLY +4.1% vs S&P +8.9%
Market Reaction
Did ALLY Beat Earnings? Q1 2026 Results
Ally Financial posted a strong first quarter in 2026, swinging to GAAP net income of $291 million attributable to common shareholders compared to a $253 million loss a year ago, as adjusted EPS of $1.11 topped the $0.94 consensus estimate by 17.93%, … Read more Ally Financial posted a strong first quarter in 2026, swinging to GAAP net income of $291 million attributable to common shareholders compared to a $253 million loss a year ago, as adjusted EPS of $1.11 topped the $0.94 consensus estimate by 17.93%, extending the company's streak of beating EPS expectations to four consecutive quarters. Revenue of $2.10 billion came in slightly below the $2.14 billion consensus by 1.68% and fell 38.7% year over year, largely reflecting the April 2025 sale of the Credit Card business, which also stripped out a meaningful cost base and helped drive the profitability turnaround. The most telling operational signal was in the auto franchise, where a record 4.4 million consumer applications supported $11.50 billion in originations, even as retail auto net charge-offs improved 15 basis points year over year to 1.97%. Net interest margin ex-OID reached 3.52%, up 17 basis points year over year, and management kept its full-year NIM target of 3.60% to 3.70% intact, while flagging trade policy uncertainty and macroeconomic volatility as key watch items heading into the remainder of 2026.
Key Takeaways
- • Record 4.4 million consumer auto applications driving $11.5 billion in originations, up 13% YoY despite lower industry sales
- • Net interest margin ex. OID of 3.52%, up 17 bps YoY, supported by higher-yielding auto loan vintages
- • Average retail deposit rate declined 49 bps YoY to 3.26%, reducing funding costs
- • Noninterest expense decreased $399 million YoY driven by Credit Card sale and lower weather losses
- • Retail auto net charge-off rate declined 15 bps YoY to 1.97% with four consecutive quarters of delinquency improvement
- • Insurance weather losses down $42 million YoY from historically elevated prior-year period
- • Corporate Finance ROE of 26% with no new non-performing loans and criticized assets near historic lows
ALLY YoY Financials
Q1 2026 vs Q1 2025, source: SEC Filings
ALLY Revenue by Segment
With YoY comparisons, source: SEC Filings
“The first quarter marked a strong start to the year, reflecting the momentum we've established across our core franchises. Our results underscore the strength of our 'Focused. Forward.' strategy and the disciplined execution behind it. This approach is driving sustained value for our customers and shareholders.”
— Michael Rhodes, Q1 2026 Earnings Press Release
ALLY Earnings Trends
ALLY vs Market 30 Day Price Reactions
30-day stock return vs benchmark after each earnings
ALLY EPS Trend
Earnings per share: estimate vs actual
ALLY Revenue Trend
Quarterly revenue: estimate vs actual
ALLY Quarterly Results
11 quarters of earnings data
| Quarter | EPS Est. | EPS Act. | Surprise | Revenue | Rev. Surprise |
|---|---|---|---|---|---|
| Q2 26 MISS | $1.22 | $1.21 | -1.02% | $2.29B | +2.96% |
| Q1 26 BEAT | $0.94 | $1.11 | +17.93% | $2.10B | -1.68% |
| Q4 25 BEAT FY | $1.02 | $1.09 | +6.54% | $2.12B | -0.94% |
| FY Full Year | — | $3.81 | — | $7.91B | — |
| Q3 25 BEAT | $1.01 | $1.15 | +14.08% | $2.17B | +2.88% |
| Q2 25 BEAT | $0.80 | $0.99 | +23.86% | $2.08B | +2.20% |
| Q1 25 BEAT | $0.42 | $0.58 | +36.76% | $1.54B | -21.79% |
| Q4 24 BEAT FY | $0.57 | $0.78 | +36.53% | $2.03B | +0.08% |
| FY Full Year | $2.95 | $2.35 | -20.44% | $8.18B | +0.80% |
| Q3 24 BEAT | $0.53 | $0.95 | +79.25% | $2.10B | +3.59% |
| Q2 24 BEAT | $0.64 | $0.97 | +51.56% | $2.00B | -1.48% |
| Q1 24 BEAT | $0.33 | $0.45 | +36.36% | $1.99B | +1.48% |
| Q4 23 BEAT FY | $0.45 | $0.45 | +0.00% | $2.07B | +3.57% |
| FY Full Year | — | $3.05 | — | $8.21B | — |