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Ally Financial (ALLY) Q2 Earnings: Taking a Look at Key Metrics Versus Estimates
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For the quarter ended June 2026, Ally Financial (ALLY - Free Report) reported revenue of $2.29 billion, up 9.8% over the same period last year. EPS came in at $1.21, compared to $0.99 in the year-ago quarter.
The reported revenue compares to the Zacks Consensus Estimate of $2.21 billion, representing a surprise of +3.44%. The company delivered an EPS surprise of -3.2%, with the consensus EPS estimate being $1.25.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
Here is how Ally Financial performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
Net charge-offs to average finance receivables and loans outstanding: 1.1% versus 1.1% estimated by two analysts on average.
Net interest margin (as reported): 3.6% versus 3.6% estimated by two analysts on average.
Book value per share: $44.38 compared to the $44.57 average estimate based on two analysts.
Total interest-earning assets (Average Balances): $188.42 billion compared to the $188.61 billion average estimate based on two analysts.
Efficiency Ratio: 57.7% versus the two-analyst average estimate of 53.6%.
Net financing revenue: $1.68 billion compared to the $1.67 billion average estimate based on two analysts. The reported number represents a change of +11.1% year over year.
Insurance premiums and service revenue earned: $368 million compared to the $367.83 million average estimate based on two analysts. The reported number represents a change of +2.5% year over year.
Total other revenue: $602 million versus $554.76 million estimated by two analysts on average. Compared to the year-ago quarter, this number represents a +6.4% change.
Shares of Ally Financial have returned -0.1% over the past month versus the Zacks S&P 500 composite's -0.6% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
View the Zacks #1 Rank List
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Ally Financial (ALLY) Q2 Earnings: Taking a Look at Key Metrics Versus Estimates
For the quarter ended June 2026, Ally Financial (ALLY - Free Report) reported revenue of $2.29 billion, up 9.8% over the same period last year. EPS came in at $1.21, compared to $0.99 in the year-ago quarter.
The reported revenue compares to the Zacks Consensus Estimate of $2.21 billion, representing a surprise of +3.44%. The company delivered an EPS surprise of -3.2%, with the consensus EPS estimate being $1.25.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
Here is how Ally Financial performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:View all Key Company Metrics for Ally Financial here>>>
Shares of Ally Financial have returned -0.1% over the past month versus the Zacks S&P 500 composite's -0.6% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.