Ally Financial (ALLY)
Combines branchless digital banking with dealer-centered auto finance, insurance, and corporate lending.
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Combines a branchless deposit bank with dealer-centered auto finance, vehicle insurance, and corporate finance. Deposits fund a business concentrated in the United States, while dealer relationships support lending and insurance distribution; bank-holding-company regulation and the recent exit from point-of-sale lending and credit cards shape its narrower portfolio.
Pairs a branchless deposit franchise with dealer-centered auto finance, vehicle insurance, and corporate finance. Automotive Finance, Insurance, and Corporate Finance are the reportable operating segments; Ally Invest and the legacy mortgage portfolio sit in Corporate and Other.
Dealer relationships distribute vehicle financing and insurance, while direct digital banking supplies deposits without a physical branch network. The operating model remains concentrated in the United States, with roots in financing dealer inventory since 1919.
Recent sales of point-of-sale lending and credit cards narrowed the portfolio to the core businesses. The structure depends on dealer distribution and branchless deposit funding and operates under bank-holding-company regulation.
Company facts
Target rangeAs of Sep 21, 2026
Latest analyst notes
| Date | Firm | Action | Prior | Current |
|---|---|---|---|---|
| Sep 1, 2026 | Raymond James | Target | Target: $39 | Target: $55 |
| Jul 23, 2026 | Neuberger Berman | Target | Target: $53 | Target: $49 |
| Jul 22, 2026 | Deutsche Bank | Reiterate | Rating: —Target: $57 | Target: $58 |
| Jul 10, 2026 | RBC Capital | Reiterate | Rating: —Target: $52 | Target: $55 |
| Jul 8, 2026 | Neuberger Berman | Target | Target: $42 | Target: $53 |
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $8.68B · Total debt $22.97B · Total assets $199.77B · Shareholders' equity $15.49B
- Revenue
- $4.07B
- Operating income
- $537.0M
- Net income
- $410.0M
HistoryDividendAnnual yield
| Institutions | 96.52% | 293.61M shares | |
|---|---|---|---|
| 650 holders · as of Jun 30, 2026 | |||
| Insiders | 10.64% | 32.36M shares | |
| 24 holders · as of Aug 5, 2026 | |||
| Adds to | 107.16% | ||
304.20M company shares as of Sep 22, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
These groups come from separate filings that can overlap, so they add to 107.16%; nothing is left for Other.
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
of 19 PagesInsider | 9.80% | 29.80M | filed Feb 14, 2023 |
BlackRock, Inc.Institution | 9.41% | 28.63M | as of Jun 30, 2026 |
Berkshire Hathaway IncInstitution | 8.88% | 27.00M | as of Jun 30, 2026 |
Harris Associates L PInstitution | 8.58% | 26.11M | as of Jun 30, 2026 |
Vanguard Portfolio Management LLCInstitution | 4.63% | 14.10M | as of Jun 30, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 4, 2026 | Stephanie N. Richard | officer: Chief Risk Officer | −5,000 | $44.23 |
| May 15, 2026 | Stephanie N. Richard | officer: Chief Risk Officer | −5,000 | $42.14 |
| Apr 17, 2026 | Douglas R. Timmerman | officer: President, DFS | −39,675 | $45.17 |
| Jan 27, 2026 | Russell E. Hutchinson | officer: Chief Financial Officer | +11,566 | $43.17 |
| Jan 23, 2026 | Michael George Rhodes | director, officer: Chief Executive Officer | +23,800 | $41.68 |
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Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Ally Financial | $39.68 | −0.53% | $12.13B | 9.4 | 6.6 | 0.8 | −0.3% |
| Capital One | $201.06 | −1.88% | $125.72B | 12.7 | 9.3 | 1.6 | +26.0% |
| General Motors | $83.44 | −0.61% | $75.93B | 42.4 | 5.9 | 0.4 | +1.9% |
| Ford | $13.12 | −0.42% | $52.56B | — | 7.4 | 0.3 | −3.8% |
| JPMorgan Chase | $339.42 | −3.58% | $943.29B | 15.2 | 14.1 | 3.2 | +27.8% |
| SoFi | $17.30 | +1.94% | $21.77B | 35.4 | 23.6 | 3.9 | +41.0% |
| Assurant | $275.69 | −0.61% | $13.74B | 13.1 | 12.4 | 1.0 | +9.4% |
| Median | 15.2 | 10.8 | 1.3 | +17.7% |