Monitor credit quality trends in the next quarter — the higher provision and cautious NCO guidance suggest potential deterioration in the auto loan portfolio. The NIM guidance revision to 3.60%-3.65% provides a clearer rate outlook.
Price Chart
Executive Summary
Ally Financial reported Q3 2026 GAAP EPS of $1.34, a 0.6% beat vs consensus of $1.33, on total net revenue of $2.33B (slightly below $2.34B consensus). The beat was modest, with higher credit loss provisions ($529M) and weaker Auto Finance results offsetting Insurance strength. Management revised 2026 NIM guidance to 3.60%-3.65% and guided NCOs toward the low end of 1.2%-1.3%, signaling cautious credit optimism.
Key Financial Metrics
Key Facts
- Q3 2026 GAAP EPS of $1.34 vs consensus $1.33 (beat by 0.6%)
- Total net revenue of $2.33B vs consensus $2.34B (miss by ~0.4%)
- Provision for credit losses of $529M, up $114M YoY
- Auto Finance pre-tax income declined $84M YoY
- Insurance segment results improved YoY
- 2026 NIM guidance revised to 3.60%-3.65%
- Consolidated NCOs guided toward low end of 1.2%-1.3% range
Financial Impact
EPS beat by ~$0.01, revenue miss by ~$10M; credit provision up $114M YoY
Risk Factors
- Higher credit loss provisions could pressure earnings if credit trends worsen
- Auto Finance segment weakness may face headwinds from used car prices or consumer credit
- NIM compression if rate cuts lag or deposit costs remain elevated
Investment Themes
Documents Analyzed
This report is based on 1 press release from GlobeNewswire.
| Document | Accession Number |
|---|---|
| PRESS-RELEASE Data (Synthetic) | press-prn-302913934 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 23, 2026 2d ago | Institutional Cluster | $38.96 | awaiting T+1 | — | $39.16 (−0.53%) |
Oct 20, 2026 6d ago | Press Release | $37.97 $38.69 | ▲ +1.90% | ▲ +1.37% | $39.16 (+3.13%) |
Oct 20, 2026 6d ago | 8-K | $37.97 $38.69 | ▼ −1.90% | ▼ −1.37% | $39.16 (−3.13%) |
Oct 19, 2026 6d ago | Press Release | $37.97 $38.69 | ▲ +1.90% | ▲ +1.37% | $39.16 (+3.13%) |
Sep 17, 2026 5w ago | Press Release | $40.60 $40.00 | ▼ −1.48% | ▼ −1.61% | $39.16 (−3.55%) |
Sep 16, 2026 5w ago | 8-K | $40.60 $40.00 | ▼ −1.48% | ▼ −1.36% | $39.16 (−3.55%) |
Sep 10, 2026 6w ago | Court Ruling | $42.07 $41.94 | ▼ −0.31% | ▲ +0.14% | $39.16 (−6.92%) |
Sep 9, 2026 6w ago | 424B5 | $41.83 $42.17 | ▲ +0.81% | ▲ +1.41% | $39.16 (−6.38%) |
Sep 4, 2026 7w ago | Court Ruling | $42.28 $41.83 | ▼ −1.06% | ▼ −0.60% | $39.16 (−7.38%) |
Aug 25, 2026 8w ago | Court Ruling | $42.54 $42.74 | ▲ +0.47% | ▼ −0.19% | $39.16 (−7.95%) |
US Market Status
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