ALLY

CHARLOTTE, N.C., June 18, 2026 /PRNewswire/ -- Ally Financial (NYSE: ALLY) has scheduled the release of its second quarter financial results for Tuesday, July 21, 2026, at approximately 7:30 a.m. ET. The results will be available on the Ally Press Room website (http://media.ally.com). Ally will host a conference call at 9 a.m. ET to review the company's performance. You may listen to the call via webcast or dial-in. The webcast will be live on Ally's Investor Relations website in the Events & Presentations section (http://www.ally.com/about/investor/events-presentations/index.html). To join the conference via dial-in, please pre-register via the following link at least 15 minutes before the call begins: https://register-conf.media-server.com/register/BIe8c04604b04f45b8bfc92dc71d60682f . Upon registration, you will be provided with the conference dial-in number as well as a unique registrant ID. The presentation and financial supplement will be posted in the Events & Presentations section of Ally's Investor Relations website on July 21, 2026, at approximately 7:30 a.m. ET. A replay of the call will be available via webcast on the Ally Investor Relations website. About Ally FinancialAlly Financial Inc. (NYSE: ALLY) includes the nation's largest all-digital bank and auto finance business, driven by a mission to "Do It Right" for its customers and communities. Ally is a top-25 U.S. financial holding company with $197 billion in assets and 9.5 million customers (March 31, 2026). Ally Bank, Member FDIC, offers online banking products, including high-yield savings and no hidden fee checking, and was the first major U.S. bank to eliminate overdraft fees. Ally also provides investing solutions through Ally Invest, including online brokerage, automated investing, IRAs and personal advice. As a leader in auto finance, Ally provides consumer and dealer financing, insurance, and vehicle remarketing services. Ally's seasoned corporate finance business provides capital to equity sponsors and middle-market companies. Visit ally.com. Contacts: Sean LearyAlly Investor Relations [email protected] Peter GilchristAlly Communications (Media)[email protected] View original content:https://www.prnewswire.com/news-releases/ally-financial-schedules-release-of-second-quarter-2026-financial-results-302804067.html

Earnings results often indicate what direction a company will take in the months ahead. With Q1 behind us, let’s have a look at Ally Financial (NYSE:ALLY) and its peers. Consumer finance companies provide loans and credit products to individuals. Growth drivers include increasing consumer spending, financial inclusion initiatives in developing markets, and digital lending platforms reducing distribution costs. Challenges include credit risk during economic downturns, regulatory scrutiny of lending practices, and intensifying competition from traditional banks and fintech firms offering innovative credit solutions. The 20 consumer finance stocks we track reported a satisfactory Q1. As a group, revenues were in line with analysts’ consensus estimates while next quarter’s revenue guidance was 0.8% below. In light of this news, share prices of the companies have held steady. On average, they are relatively unchanged since the latest earnings results. Born from the former GMAC (General Motors Acceptance Corporation) and rebranded in 2010, Ally Financial (NYSE:ALLY) operates a digital-first bank offering auto financing, insurance, mortgage lending, and investment services to consumers and commercial clients. Ally Financial reported revenues of $2.18 billion, up 5.5% year on year. This print exceeded analysts’ expectations by 1.7%. Overall, it was a very strong quarter for the company with a beat of analysts’ EPS and net interest margin estimates. The market was likely pricing in the results, and the stock is flat since reporting. It currently trades at $42.11. Is now the time to buy Ally Financial? Access our full analysis of the earnings results here, it’s free. Originally created as a government-sponsored enterprise before privatizing in 2004, Sallie Mae (NASDAQ:SLM) is a financial services company that provides private education loans, savings products, and educational resources to help students and families pay for college. Sallie Mae reported revenues of $560 million, down 3.6% year on year, outperforming analysts’ expectations by 3.9%. The business had a stunning quarter with a beat of analysts’ EPS estimates and full-year EPS guidance exceeding analysts’ expectations. Although it had a fine quarter compared to its peers, the market seems unhappy with the results as the stock is down 6.9% since reporting. It currently trades at $21.80. Is now the time to buy...

OneMain Holdings’ OMF first-quarter 2026 adjusted earnings of $1.95 per share in the consumer and insurance (C&I) segment surpassed the Zacks Consensus Estimate of $1.92. Moreover, the bottom line increased 13.4% from the year-ago quarter. Results were primarily driven by an increase in net interest income (NII) and other revenues. However, higher total other expenses and provisions hurt the results to an extent. A sequential decline in net finance receivables was another negative for the company. Probably, because of these, shares of the company lost 3.7% following the earnings release. After considering non-recurring items, net income (on a GAAP basis) was $226 million, up 6.1% from the prior-year quarter. NII rose 6.9% from the prior-year quarter to $1.07 billion. Total other revenues were $197 million, up 4.8% from the prior-year quarter. The rise was driven by an increase in insurance fees and other income. Total other expenses rose 10.6% year over year to $501 million on account of higher operating expenses and an increase in costs related to insurance policy benefits and claims. The provision for finance receivable losses was $465 million, up 2% from the prior-year quarter. In the reported quarter, OneMain Holdings recorded net charge-offs of $511 million, up 8% from the prior-year quarter. The company reported 30-89-day delinquencies of $666 million, up 5.7% from the prior-year quarter. The allowance ratio of 11.53% was up from 11.52% in the prior-year quarter. As of March 31, 2026, net finance receivables amounted to $24.4 billion, down 1.6% from the prior-quarter end. Long-term debt declined 1.3% from the prior-quarter end to $22.4 billion. In the reported quarter, the company repurchased 1.9 million shares of common stock for $105 million. Rising expenses due to higher compensation and other operating expenses are expected to continue to hamper OneMain Holdings’ profitability. Weakening asset quality remains another major near-term headwind. Nevertheless, the company’s efforts to grow credit card and auto finance loans alongside acquisitions are expected to support its financials. OneMain Holdings, Inc. price-consensus-eps-surprise-chart | OneMain Holdings, Inc. Quote Currently, OneMain Holdings carries a Zacks Rank #3 (Hold). You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here. Ally Financial’s ALLY first-quarter 2026...

Navient Corporation NAVI reported first-quarter 2026 earnings per share (EPS) of 20 cents, surpassing the Zacks Consensus Estimate of 17 cents. It reported earnings of 28 cents in the prior-year quarter. Results benefited from lower expenses and a decline in provisions for loan losses. However, a decrease in net interest income (NII) and other income acted as a headwind. Given the concern, NAVI shares lost nearly 4.6% in the early trading session. A full day’s trading session will depict a clearer picture. Navient’s GAAP net income was $17 million compared with $2 million in the prior-year quarter. NII declined 12.5% year over year to $126 million in the first quarter. It missed the Zacks Consensus Estimate by 1.6%. Total other income decreased 68.6% year over year to $16 million. Provision for loan losses was $27 million, down from $30 million in the prior-year quarter. Total expenses decreased 29% year over year to $93 million. Federal Education Loans: The segment generated a net income of $22 million, which declined 8.3% year over year. As of March 31, 2026, the company’s net FFELP loans were $27.2 billion, down 3.2% sequentially. Consumer Lending: This segment reported a net income of $35 million, which decreased 23.9% from the year-ago quarter. The private education loan delinquency rate greater than 30 days was 5.5% compared with 6.4% in the prior-year quarter. As of March 31, 2026, the company’s private education loans were $15.6 billion, which decreased 1.3% from the prior quarter. Navient originated $778 million of private education refinance loans in the reported quarter. To meet liquidity needs, NAVI expects to utilize various sources, including cash and investment portfolio, predictable operating cash flows provided by operating activities, the repayment of principal on unencumbered education loan assets and distributions from securitization trusts. It may also draw down on the secured FFELP Loan and Private Education Loan facilities, issue term asset-backed securities (ABS), enter additional Private Education Loan and ABS repurchase facilities, or issue additional unsecured debt. Notably, the company had $621 million of total unrestricted cash and liquid investments as of March 31, 2026. In the first quarter, the company paid $15 million in common stock dividends. In the reported quarter, Navient repurchased shares of common stock for $23 millio...

Navient Corporation NAVI is scheduled to report first-quarter 2026 results on April 29, before the opening bell. Its quarterly revenues and earnings are expected to have declined year over year. In the last quarter, NAVI’s results benefited from lower expenses and a slight decline in provisions for loan losses. However, a decrease in net interest income (NII) and other income acted as a headwind. NAVI has an impressive earnings surprise history. Its earnings outpaced estimates in the trailing three quarters and missed once, with the average earnings surprise being 28.02%. Navient Corporation price-eps-surprise | Navient Corporation Quote The Zacks Consensus Estimate for first-quarter earnings is pegged at 17 cents per share, which has remained unchanged in the past week. The figure indicates a 39.3% decline from the year-ago reported figure. The consensus estimate for sales is pegged at $128.1 million, which suggests a 11.1% decline from the year-ago reported figure. Revenues: Per the Fed’s latest data, consumer loan demand remained resilient in the first quarter. This is likely to have provided some support to Navient’s Consumer Lending segment. Further, the Federal Education Loans segment revenue is likely to have increased, primarily driven by higher prepayment levels, even as origination volumes remained constrained. The Zacks Consensus Estimate for NII (Core) is pegged at $128.6 million, indicating a sequential marginal decline. The consensus estimate for NII (Federal Education loan) is pegged at $47.7 million, suggesting an 8.5% rise on a sequential basis. The Zacks Consensus Estimate for NII (consumer lending) is pegged at $101.3 million, implying a sequential decline of 2.6%. The consensus estimate for servicing revenues is pegged at $12.1 million, indicating a 10.1% increase from the prior quarter. The Zacks Consensus Estimate for total non-interest income of $17.5 million indicates a 16.7% rise sequentially. Expenses: Navient’s ongoing cost-control initiatives are expected to have supported operating efficiency and reduced expenses in the first quarter. The company’s strategic actions under its phased transformation plan, including the sale of its Government Services and Healthcare Services businesses, significant workforce reduction, outsourcing of servicing operations to MOHELA, and efforts to streamline its organizational structure, are likely t...

Ally Financial Inc. (NYSE:ALLY) is one of the Best Bargain Stocks to Buy in May. On April 17, the company released its Q1 2026 financial results, with net income coming at $291 million as compared to a $253 million loss in Q1 2025. Ally Financial Inc. (NYSE:ALLY)’s provision for credit losses rose $276 Mn YoY to $467 Mn mainly because of a reserve release related to the sale of Credit Card in the prior year. This was partially mitigated by reduced retail auto net charge-offs. Ally Financial Inc. (NYSE:ALLY)’s Q1 2026 reflected a healthy start to the year, demonstrating momentum throughout the core franchises. The company sourced $11.5 billion of consumer auto originations from the record 4.4 million consumer auto applications. In Dealer Financial Services, healthy and mutually beneficial dealer relationships resulted in strong consumer applications. For FY 2026, net interest margin (excluding OID) is expected to be between 3.60% – 3.70%, while adjusted other revenue is expected to be flat to up 5% YoY. Ally Financial Inc. (NYSE:ALLY) is a digital financial services company. It is engaged in offering digital financial products and services. While we acknowledge the potential of ALLY as an investment, we believe certain AI stocks offer greater upside potential and carry less downside risk. If you're looking for an extremely undervalued AI stock that also stands to benefit significantly from Trump-era tariffs and the onshoring trend, see our free report on the best short-term AI stock. READ NEXT: 10 Best FMCG Stocks to Invest In According to Analysts and 11 Best Long-Term Tech Stocks to Buy According to Analysts. Disclosure: None. Follow Insider Monkey on Google News.

SLM Corporation SLM reported first-quarter 2026 earnings per share (EPS) of $1.54, beating the Zacks Consensus Estimate of $1.14. The metric rose 10% from the year-ago quarter. The quarterly results benefited from a rise in net interest income (NII), lower provisions for credit losses, and disciplined decisions across funding, expenses and capital management, partially offset by a decline in non-interest income and an increase in expenses. The company’s GAAP net income attributable to common stock was $304 million compared with $301 million in the year-ago quarter. First-quarter NII totaled $375.4 million, up from $374.9 million in the prior-year quarter. The metric beat the Zacks Consensus Estimate by 2.4%. The quarterly net interest margin was 5.29%, expanding 2 basis points year over year. Quarterly non-interest income was $185 million, down from $206 million in the year-ago quarter. Non-interest expenses increased 10.7% year over year to $171 million. Compensation and benefits expenses rose 13.9% year over year to $103 million. Other operating expenses were $62 million, up 24.1% year over year. In the first quarter, the company reported provision benefits of $11 million, in contrast to provisions for credit losses of $23 million in the prior-year quarter. Net charge-offs were $89 million in the reported quarter. Delinquencies as a percentage of loans in repayment were 3.98% for the first quarter of 2026 compared with 3.58% in the prior-year quarter. Loans in a hardship forbearance were 0.99% for the reported quarter compared with 0.92% in the year-ago quarter. As of March 31, 2026, deposits totaled $20.5 billion, up from $20.1 billion in the year-ago quarter. Private education loans held for investment, net, were $19.9 billion, down from $21.1 billion in the prior-year quarter. Average loans outstanding, net, totaled $23.3 billion in the quarter. In the reported quarter, private education loan originations increased 5% year over year. The efficiency ratio was 30.6% compared with 26.6% in the year-ago quarter. Return on assets was 4.2%, stable with the prior-year quarter. Return on common equity was 56.4% compared with 60.1% in the year-ago quarter. Management raised the 2026 EPS guidance to $3.10-$3.20 (previous guidance was $2.70-$2.80). The updated view assumes full utilization of the $500-million share repurchase authorization in 2026 and roughly $1 b...

Enova International, Inc. ENVA reported first-quarter 2026 adjusted earnings per share (EPS) of $3.87, which increased from $2.98 in the prior-year quarter. The metric surpassed the Zacks Consensus Estimate of $3.66. Results were aided by increased revenues and improving credit quality. However, an increase in expenses was a headwind. Results include certain items. After considering those, the company’s net income attributable to common shareholders was $91.1 million compared with $72.9 million in the year-ago quarter. Total quarterly revenues were $875.1 million, rising 17.4% year over year. The top line surpassed the Zacks Consensus Estimate of $851.2 million. The total cost of revenue was $1.9 million, which increased marginally from the prior-year quarter. Total operating expenses were $321.8 million, up 26.6% from the previous-year quarter. The rise was due to an increase in all components except depreciation and amortization. The company also recorded $2.7 million ($2 million net of tax) of acquisition-related expenses tied to the pending Grasshopper Bancorp deal. Adjusted EBITDA totaled $227.4 million, up 19.7% from the year-ago quarter. As of March 31, 2026, cash and cash equivalents were $96.1 million compared with $55.5 million as of March 31, 2025. Long-term debt was $4.8 billion compared with $3.7 billion as of March 31, 2025. Consumer Loans and Finance Receivables: Net revenues from the segment were $445.8 million, up 3.5% year over year. Small Business Loans and Finance Receivables: This segment’s net revenues totaled $417.5 million, up 37.1% year over year. Other: Net revenues of $11.8 million were up 16.9% year over year. The company recorded net charge-offs (NCOs) of $390.6 million compared with $350.3 million in the year-ago quarter. Net charge-offs/average combined loan and finance receivables were 7.6%, down from 8.6% in the prior-year quarter. The company’s net revenue margin was 60.1%, up from 56.8% in the prior-year quarter. The 30-plus-day delinquency ratio was 7.4%, down 3 bps year over year. In the first quarter, the company repurchased $16 million of common stock. As of March 31, 2026, $32.2 million remained available for repurchase. The company’s revenue growth and improving credit metrics are expected to support near-term performance. Also, its expansion into small-business lending is likely to aid long-term growth. The pending a...

Ally Financial’s first quarter was marked by solid execution of its strategic focus on core businesses, despite revenue coming in below Wall Street expectations. The market responded positively, driven by strong non-GAAP profitability and operational discipline. Management highlighted record application flows, robust origination volumes, and improvements in customer acquisition as key contributors. CEO Michael Rhodes credited the “Focus Forward” strategy, stating, “The results since our refresh last year provide unmistakable evidence it is working.” Cost management, stable deposit growth, and lower credit losses were also underscored as drivers of improved year-on-year profitability. Is now the time to buy ALLY? Find out in our full research report (it’s free). Revenue: $2.18 billion vs analyst estimates of $2.14 billion (5.5% year-on-year growth, 1.8% beat) Adjusted EPS: $1.11 vs analyst estimates of $0.94 (17.9% beat) Adjusted EBITDA: $453.5 million (20.8% margin, 497% year-on-year growth) Operating Margin: 18.4%, up from 1% in the same quarter last year Market Capitalization: $13.84 billion While we enjoy listening to the management's commentary, our favorite part of earnings calls are the analyst questions. Those are unscripted and can often highlight topics that management teams would rather avoid or topics where the answer is complicated. Here is what has caught our attention. Ryan Nash (Goldman Sachs) asked how consumer headwinds like oil prices and inflation impact credit expectations. CEO Michael Rhodes said consumer behavior remains resilient, but the company is choosing to be “deliberately measured” and prioritizing discipline over volume. Robert Wildhack (Autonomous Research) inquired about the scope for increasing share buybacks under new capital proposals. CFO Russ Hutchinson stated the proposals are constructive, and Ally can simultaneously grow core businesses, build capital, support dividends, and repurchase shares. Sanjay Sakhrani (KBW) questioned reserve coverage trends and the sustainability of application volume growth. Hutchinson said reserve rates reflect both portfolio strength and macro uncertainty, while Rhodes linked application volume success to intentional dealer engagement and strategic focus. Brian Foran (Truist) sought clarity on capital frameworks and growth drivers in corporate finance. Hutchinson detailed that Ally is evalu...

This article first appeared on GuruFocus. Adjusted EPS: $1.11, up 90% year-over-year. Core ROTCE: 11.1%, up 440 basis points versus 2025. Net Interest Margin (excluding OID): 3.52%. Adjusted Net Revenue: $2.2 billion, up 6% year-over-year. CET1 Ratio: 10.1%, up 60 basis points year-over-year. Net Financing Revenue (excluding OID): $1.6 billion, up 8% year-over-year. Adjusted Provision Expense: $474 million, down $23 million year-over-year. Retail Auto NCOs: 1.97%, down 15 basis points year-over-year. Adjusted Noninterest Expense: $1.2 billion, down $85 million year-over-year. Consumer Originations: $11.5 billion, up 13% year-over-year. Written Premium: $389 million, marking a first-quarter record. Corporate Finance Portfolio: $13.7 billion, up 6% quarter-over-quarter. Retail Deposit Balances: $146 billion. Net Charge-Offs: 121 basis points, down 29 basis points year-over-year. Retail Auto Portfolio Yield: 9.6% for first-quarter originations. Insurance Core Pretax Income: $87 million, up $70 million year-over-year. Corporate Finance Core Pretax Income: $94 million with a 26% ROE. Warning! GuruFocus has detected 7 Warning Signs with ALLY. Is ALLY fairly valued? Test your thesis with our free DCF calculator. Release Date: April 17, 2026 For the complete transcript of the earnings call, please refer to the full earnings call transcript. Ally Financial Inc (NYSE:ALLY) reported a 90% year-over-year increase in adjusted EPS to $1.11, showcasing strong financial performance. The company achieved a record application flow, leading to strong origination volume with accretive risk-adjusted returns. Ally Financial Inc (NYSE:ALLY) maintained a robust Core ROTCE of 11.1%, up 440 basis points from the previous year. The company reported a 6% year-over-year increase in adjusted net revenue to $2.2 billion, demonstrating growth despite the sale of its credit card business. Ally Financial Inc (NYSE:ALLY) continues to reinforce its position as the largest all-digital direct bank in the US, with retail deposit balances reaching $146 billion. Net interest margin was impacted by lease headwinds, although the company remains confident in achieving a sustainable upper 3% margin. The company faced a $10 million loss on lease terminations due to headwinds on select plug-in hybrid models. Despite strong origination performance, the company remains cautious and is prioritizing discipli...

Ally Financial (ALLY) came out with quarterly earnings of $1.11 per share, beating the Zacks Consensus Estimate of $0.93 per share. This compares to earnings of $0.58 per share a year ago. These figures are adjusted for non-recurring items. This quarterly report represents an earnings surprise of +18.92%. A quarter ago, it was expected that this auto finance company and bank would post earnings of $1.01 per share when it actually produced earnings of $1.09, delivering a surprise of +7.92%. Over the last four quarters, the company has surpassed consensus EPS estimates four times. Ally Financial, which belongs to the Zacks Financial - Consumer Loans industry, posted revenues of $2.1 billion for the quarter ended March 2026, missing the Zacks Consensus Estimate by 3.5%. This compares to year-ago revenues of $1.54 billion. The company has topped consensus revenue estimates two times over the last four quarters. The sustainability of the stock's immediate price movement based on the recently-released numbers and future earnings expectations will mostly depend on management's commentary on the earnings call. Ally Financial shares have lost about 7.4% since the beginning of the year versus the S&P 500's gain of 2.9%. While Ally Financial has underperformed the market so far this year, the question that comes to investors' minds is: what's next for the stock? There are no easy answers to this key question, but one reliable measure that can help investors address this is the company's earnings outlook. Not only does this include current consensus earnings expectations for the coming quarter(s), but also how these expectations have changed lately. Empirical research shows a strong correlation between near-term stock movements and trends in earnings estimate revisions. Investors can track such revisions by themselves or rely on a tried-and-tested rating tool like the Zacks Rank, which has an impressive track record of harnessing the power of earnings estimate revisions. Ahead of this earnings release, the estimate revisions trend for Ally Financial was mixed. While the magnitude and direction of estimate revisions could change following the company's just-released earnings report, the current status translates into a Zacks Rank #3 (Hold) for the stock. So, the shares are expected to perform in line with the market in the near future. You can see the complete list of to...

The broad market exchange-traded fund SPDR S&P 500 ETF Trust (SPY) was up 0.3% and the actively trad