Falling rates and easing standards are boosting consumer lenders, with ENVA, ALLY and OMF positioned to benefit from stronger loan demand into 2026.
As expected, Ally Financial has delivered strong earnings growth since my initial write up, driven by a recovering net interest margin and lower credit charges. Higher earnings and a stronger capital position have opened the door to more shareholder returns, with Ally recently announcing a $2 billion open-ended buyback program. Ally has returned around 20% since my initial write up, though its valuation remains reasonable.
ALLY jumps after unveiling a $2B multi-year share repurchase plan, signaling confidence, backed by strong liquidity and earnings momentum.
Ally Financial (ALLY) saw its shares surge in the last session with trading volume being higher than average. The latest trend in earnings estimate revisions may not translate into further price increase in the near term.
Ally Financial Inc. (ALLY) Presents at Goldman Sachs 2025 U.S. Financial Services Conference Transcript
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Ally Financial is upgraded to a "Buy" as credit trends improve, and capital ratios gradually strengthen, despite a cautious reserve position. ALLY's credit quality is bolstered by tightened underwriting, declining delinquencies, and lower net charge-offs, insulating the bank from sector-wide subprime risks. Strategic deposit reduction and disciplined asset management have supported margin expansion, while the 3.1% dividend yield remains secure.
If any investor has stood the test of time, it is Warren Buffett, and with good reason.
Ally Financial Inc. ( ALLY ) The BancAnalysts Association of Boston Conference November 7, 2025 7:30 AM EST Company Participants Russell Hutchinson - Chief Financial Officer Conference Call Participants Ruth Nagle - Fidelity Management & Research Company LLC Jon Arfstrom - RBC Capital Markets, Research Division Emily Ericksen - Citigroup Inc., Research Division Presentation Ruth Nagle Fidelity Management & Research Company LLC We're ready. Good morning, everyone.
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Ally Financial records a year-over-year rise in revenues and higher expenses in the third quarter of 2025.