Ally Financial Inc.
ALLY · State Commercial Banks · 306.5M shares · -6%/yr ↓ buyback · EDGAR filings ↗
Net buyback after stock comp: -$39M (gross $33M, SBC $72M)
Reference price $42.14 · est. market cap ~$12.9B — last insider sale, 2026-05-15 (estimated from the dated SEC Form 4 price × shares outstanding — not a live quote)
Grade
D54Sub-scale-return digital/auto lender with weak ROE despite improving earnings.
Strengths
- Net income rebounded +27.5% (69th pct); large deposit-funded balance sheet and strong cash position (98th pct)
- Leading all-digital bank and entrenched dealer relationships
Risks
- ROE just 5.5% (15th pct), ROA 0.43% (11th pct), net margin 4.3% (4th pct) — bottom-tier returns
- High debt/equity (98th pct) and GM/Stellantis plus nonprime/used-vehicle concentration
- Used-car residual and consumer-credit cycle risk
Notable findings
- Exec changeRecent 8-K item 5.02 8-K ↗
- Strong balance sheetStrong balance sheet — $10.0B cash & investments
- Insider buyingInsider buying — 2 open-market buy(s) by 2 insider(s) (cluster of 2 insiders, ~$1M, last 6mo) Form 4 ↗
- Buying back stockNet buyback — share count -6%/yr over 4y
- Insider sellingInsider selling — 2 open-market sale(s) by 2 insider(s) (cluster of 2 insiders, ~$2M, last 6mo) Form 4 ↗
Quarterly revenue
Last 4 quarters · from SEC filings.
Key metrics
Net margin
10.8%
Return on equity
5.5%
Return on assets
0.4%
Revenue growth (QoQ)
-1.0%
Net-income growth
27.5%
Debt / equity
0.9×
Tangible book value
$15.3B
Cash & investments
$10.0B
Insider transactions · last 18 months
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| 2026-05-15 | GOLDBERG MICHELLE J | Grant | 3.6K | $41.99 |
| 2026-05-15 | Clark Mayree C | Grant | 3.6K | $41.99 |
| 2026-05-15 | Weber Tracey Drake | Grant | 3.6K | $41.99 |
| 2026-05-15 | Fennebresque Kim S | Grant | 3.6K | $41.99 |
| 2026-05-15 | MERRILL ALLAN P | Grant | 3.6K | $41.99 |
| 2026-05-15 | CARY WILLIAM H | Grant | 3.6K | $41.99 |
| 2026-05-15 | GIBBONS THOMAS P | Grant | 3.6K | $41.99 |
| 2026-05-15 | HOBBS FRANKLIN W IV | Grant | 6.1K | $41.99 |
| 2026-05-15 | SHARPLES BRIAN | Grant | 3.6K | $41.99 |
| 2026-05-15 | Richard Stephanie N | Sell | 5.0K | $42.14 |
| 2026-05-15 | Hutchinson Russell E. | Other | 6 | $1,000.00 |
| 2026-05-15 | Reilly David | Grant | 3.6K | $41.99 |
| 2026-05-15 | Bright Gunther | Grant | 3.6K | $41.99 |
| 2026-04-17 | Timmerman Douglas R. | Sell | 40K | $45.17 |
| 2026-04-09 | Reilly David | Grant | 829 | $39.23 |
| 2026-04-09 | Bright Gunther | Grant | 348 | $39.23 |
| 2026-04-09 | GIBBONS THOMAS P | Grant | 1.2K | $39.23 |
| 2026-02-03 | Richard Stephanie N | Grant | 19K | $42.30 |
| 2026-02-03 | Hall William Cadik Jr. | Grant | 27K | $42.30 |
| 2026-02-03 | RHODES MICHAEL GEORGE | Grant | 99K | $42.30 |
| 2026-02-03 | McGrath Austin Thomas | Grant | 28K | $42.30 |
| 2026-02-03 | Hutchinson Russell E. | Grant | 38K | $42.30 |
| 2026-02-03 | Timmerman Douglas R. | Grant | 41K | $42.30 |
| 2026-02-03 | Mehlman Hope | Grant | 23K | $42.30 |
| 2026-02-03 | Patterson Kathleen L. | Grant | 19K | $42.30 |
| 2026-01-30 | Mehlman Hope | Tax withheld | 282 | $42.30 |
| 2026-01-30 | Hall William Cadik Jr. | Tax withheld | 5.1K | $42.30 |
| 2026-01-30 | Hall William Cadik Jr. | Tax withheld | 4.3K | $42.30 |
| 2026-01-30 | Hall William Cadik Jr. | Tax withheld | 3.9K | $42.30 |
| 2026-01-30 | McGrath Austin Thomas | Tax withheld | 189 | $42.30 |
| 2026-01-30 | McGrath Austin Thomas | Tax withheld | 103 | $42.30 |
| 2026-01-30 | McGrath Austin Thomas | Tax withheld | 81 | $42.30 |
| 2026-01-30 | Patterson Kathleen L. | Tax withheld | 2.9K | $42.30 |
| 2026-01-30 | Patterson Kathleen L. | Tax withheld | 2.0K | $42.30 |
| 2026-01-30 | Patterson Kathleen L. | Tax withheld | 1.8K | $42.30 |
| 2026-01-30 | Richard Stephanie N | Tax withheld | 1.7K | $42.30 |
| 2026-01-30 | Richard Stephanie N | Tax withheld | 2.0K | $42.30 |
| 2026-01-30 | Richard Stephanie N | Tax withheld | 1.7K | $42.30 |
| 2026-01-30 | Hutchinson Russell E. | Tax withheld | 5.3K | $42.30 |
| 2026-01-30 | Hutchinson Russell E. | Tax withheld | 4.4K | $42.30 |
| 2026-01-30 | Timmerman Douglas R. | Tax withheld | 3.8K | $42.30 |
| 2026-01-30 | Timmerman Douglas R. | Tax withheld | 3.6K | $42.30 |
| 2026-01-30 | Timmerman Douglas R. | Tax withheld | 2.9K | $42.30 |
| 2026-01-30 | RHODES MICHAEL GEORGE | Tax withheld | 11K | $42.30 |
| 2026-01-27 | Hutchinson Russell E. | Buy | 12K | $43.17 |
| 2026-01-23 | RHODES MICHAEL GEORGE | Buy | 24K | $41.68 |
| 2026-01-09 | Reilly David | Grant | 718 | $45.29 |
| 2026-01-09 | GIBBONS THOMAS P | Grant | 1.0K | $45.29 |
| 2026-01-09 | Bright Gunther | Grant | 160 | $45.29 |
| 2025-12-16 | Mehlman Hope | Tax withheld | 11K | $44.85 |
| 2025-12-12 | RHODES MICHAEL GEORGE | Tax withheld | 45K | $45.82 |
| 2025-11-25 | McGrath Austin Thomas | Tax withheld | 53 | $37.65 |
| 2025-11-25 | McGrath Austin Thomas | Tax withheld | 26 | $37.65 |
| 2025-11-25 | McGrath Austin Thomas | Tax withheld | 41 | $37.65 |
| 2025-11-25 | Patterson Kathleen L. | Tax withheld | 469 | $37.65 |
| 2025-11-25 | Richard Stephanie N | Tax withheld | 460 | $37.65 |
| 2025-11-25 | Timmerman Douglas R. | Tax withheld | 949 | $37.65 |
| 2025-11-20 | Bright Gunther | Grant | 2.0K | $38.40 |
| 2025-11-20 | MERRILL ALLAN P | Grant | 2.0K | $38.40 |
| 2025-10-22 | Patterson Kathleen L. | Sell | 29K | $40.86 |
| 2025-10-21 | Hutchinson Russell E. | Tax withheld | 11K | $40.50 |
| 2025-10-21 | Timmerman Douglas R. | Tax withheld | 49K | $40.50 |
| 2025-10-21 | Patterson Kathleen L. | Tax withheld | 16K | $40.50 |
| 2025-10-21 | Richard Stephanie N | Tax withheld | 4.5K | $40.50 |
| 2025-10-08 | Reilly David | Grant | 830 | — |
| 2025-10-08 | GIBBONS THOMAS P | Grant | 1.2K | — |
| 2025-07-22 | Hutchinson Russell E. | Tax withheld | 13K | $38.85 |
| 2025-07-14 | Reilly David | Grant | 835 | — |
| 2025-07-14 | GIBBONS THOMAS P | Grant | 1.1K | — |
| 2025-05-15 | GOLDBERG MICHELLE J | Grant | 4.3K | $35.75 |
| 2025-05-15 | SHARPLES BRIAN | Grant | 4.3K | $35.75 |
| 2025-05-15 | Reilly David | Grant | 4.3K | $35.75 |
| 2025-05-15 | MAGNER MARJORIE | Grant | 4.3K | $35.75 |
| 2025-05-15 | HOBBS FRANKLIN W IV | Grant | 7.2K | $35.75 |
| 2025-05-15 | GIBBONS THOMAS P | Grant | 4.3K | $35.75 |
| 2025-05-15 | Fennebresque Kim S | Grant | 4.3K | $35.75 |
| 2025-05-15 | Clark Mayree C | Grant | 4.3K | $35.75 |
| 2025-05-15 | CARY WILLIAM H | Grant | 4.3K | $35.75 |
| 2025-04-30 | Richard Stephanie N | Sell | 8.0K | $32.14 |
| 2025-04-23 | DEBRUNNER DAVID J | Tax withheld | 4.3K | $30.09 |
| 2025-04-22 | Hutchinson Russell E. | Buy | 8.2K | $30.81 |
| 2025-04-15 | GIBBONS THOMAS P | Grant | 892 | — |
| 2025-04-15 | Reilly David | Grant | 892 | — |
| 2025-02-04 | Patterson Kathleen L. | Grant | 14K | $39.06 |
| 2025-02-04 | Hutchinson Russell E. | Grant | 31K | $39.06 |
| 2025-02-04 | Timmerman Douglas R. | Grant | 28K | $39.06 |
| 2025-02-04 | Richard Stephanie N | Grant | 14K | $39.06 |
| 2025-02-04 | DEBRUNNER DAVID J | Grant | 9.8K | $39.06 |
| 2025-02-04 | Mehlman Hope | Grant | 1.7K | $39.06 |
| 2025-02-04 | RHODES MICHAEL GEORGE | Grant | 74K | $39.06 |
| 2025-01-31 | Patterson Kathleen L. | Tax withheld | 2.0K | $39.06 |
| 2025-01-31 | Patterson Kathleen L. | Tax withheld | 2.8K | $39.06 |
| 2025-01-31 | Patterson Kathleen L. | Tax withheld | 1.8K | $39.06 |
| 2025-01-31 | DEBRUNNER DAVID J | Tax withheld | 1.7K | $39.06 |
| 2025-01-31 | DEBRUNNER DAVID J | Tax withheld | 2.0K | $39.06 |
| 2025-01-31 | DEBRUNNER DAVID J | Tax withheld | 1.3K | $39.06 |
| 2025-01-31 | Timmerman Douglas R. | Tax withheld | 2.8K | $39.06 |
| 2025-01-31 | Timmerman Douglas R. | Tax withheld | 3.8K | $39.06 |
| 2025-01-31 | Timmerman Douglas R. | Tax withheld | 3.6K | $39.06 |
| 2025-01-31 | Hutchinson Russell E. | Tax withheld | 5.3K | $39.06 |
| 2025-01-31 | Richard Stephanie N | Tax withheld | 1.2K | $39.06 |
| 2025-01-31 | Richard Stephanie N | Tax withheld | 1.7K | $39.06 |
| 2025-01-31 | Richard Stephanie N | Tax withheld | 1.8K | $39.06 |
| 2025-01-27 | RHODES MICHAEL GEORGE | Buy | 26K | $39.09 |
| 2025-01-24 | Hutchinson Russell E. | Buy | 19K | $39.45 |
| 2025-01-10 | GIBBONS THOMAS P | Grant | 903 | — |
| 2025-01-10 | Reilly David | Grant | 903 | — |
All non-derivative Form 4 activity (SEC), newest first.
Supply chain
Customers (5)
Suppliers (0)
Named in the 10-K; linked when we track them.
Notable events (8-K)
| Date | Items | |
|---|---|---|
| 2026-05-20 | 5.03Exhibits | filing ↗ |
| 2026-05-08 | Exec/director changeShareholder voteExhibits | filing ↗ |
| 2026-05-01 | 3.035.03OtherExhibits | filing ↗ |
| 2026-04-27 | OtherExhibits | filing ↗ |
| 2026-04-17 | ResultsExhibits | filing ↗ |
| 2026-01-21 | ResultsExhibits | filing ↗ |
| 2025-12-10 | Reg FDOtherExhibits | filing ↗ |
| 2025-12-09 | Exec/director change | filing ↗ |
Recent filings
| Form | Filed | Period | Accession |
|---|---|---|---|
| 8-K | 2026-05-20 | 2026-05-19 | 0001193125-26-231197 ↗ |
| 8-K | 2026-05-08 | 2026-05-06 | 0000040729-26-000011 ↗ |
| 10-Q | 2026-05-05 | 2026-03-31 | 0000040729-26-000009 ↗ |
| 8-K | 2026-05-01 | 2026-04-29 | 0001193125-26-201520 ↗ |
| 8-K | 2026-04-27 | 2026-04-27 | 0001193125-26-179290 ↗ |
| 8-K | 2026-04-17 | 2026-04-17 | 0001193125-26-160281 ↗ |
| 10-K | 2026-02-25 | 2025-12-31 | 0000040729-26-000005 ↗ |
| 8-K | 2026-01-21 | 2026-01-21 | 0001193125-26-017242 ↗ |
| 8-K | 2025-12-10 | 2025-12-09 | 0001193125-25-313483 ↗ |
| 8-K | 2025-12-09 | 2025-12-08 | 0001193125-25-312845 ↗ |
| 10-Q | 2025-10-30 | 2025-09-30 | 0000040729-25-000025 ↗ |
| 8-K | 2025-10-17 | 2025-10-17 | 0001193125-25-241967 ↗ |