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This Month’s Featured News

Ally Financial Pops on Q4 Earnings Beat and $2 Billion Buyback

Author: Jordan Chussler. Originally Published: 1/23/2026. 

Summary

• The financials sector has been the S&P 500’s worst performer over the past month, posting a loss of 2.99%. 
• Shares of financial services firm Ally jumped 7% on Wednesday after the company reported record EPS growth.
• The company also announced that it has authorized a $2 billion stock buyback program.

Over the past month, the financial services sectorhas been the worst performer in the S&P 500, down 2.99%. Over the past six months, its paltry 1.26% gain ranks second-worst.

But as Q4 earnings season begins in earnest, bank stocks are already demonstrating the sector’s longer-term value as earnings beats and solid forward guidance aim to reinvigorate investor confidence.

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That dynamic was on display when online bank Ally Financial (NYSE: ALLY) reported Q4 and full-year results on Wednesday, Jan. 21, and the market pushed shares nearly 7% higher.

Ally Reports Record Q4 Earnings Growth

When Ally reported Q4 results, it posted earnings per share (EPS) of $1.09, beating the consensus estimate of $1.02, and quarterly revenue of $2.17 billion—a 4.8% year-over-year (YOY) increase and ahead of the $2.15 billion estimate.

Ally’s 2025 full-year results included adjusted total net revenue of $8.5 billion and core pre-tax income of $1.6 billion.

On the company’s earnings call, CEO Michael Rhodes noted the firm generated $1.5 billion in written insurance premiums—a record for Ally—alongside YOY EPS growth of 62%, also a record.

The EPS improvement was welcome after annualized earnings contractions of 38.81%, 44.93%, and 35.02% in 2022, 2023 and 2024, respectively.

Part of 2025’s strong EPS performance was driven by record consumer auto applications: the company recorded 3.8 million applications in Q4, representing $10.8 billion in loan originations. On an annual basis, originations were about $43.7 billion, up 11% YOY.

The company also authorized a $2 billion share buyback program and issued 2026 guidance that includes roughly 5% revenue growth.

Rhodes added that Ally “ended the year with $144 billion in retail deposit balances, reinforcing our position as the largest all-digital direct bank in the United States,” and that the bank “now serve[s] 3.5 million customers as 2025 marked our 17th consecutive year of customer growth.”

With a trailing EPS of $1.66 and a trailing 12-month price-to-earnings (P/E) ratio of 25.52, analysts expect earnings to grow an eye-catching 53.22% next year, with EPS forecasts rising from $3.57 to $5.47 per share.

Ally’s Dividend Pays Investors to Patiently Wait for the Upside

The average 12-month price target of $49.44 for ALLY implies nearly 17% potential upside. With a forward P/E of about 11.88, the stock is beginning to look like a value opportunity.

As with most banks, Ally also pays a dividend to patient shareholders.

Currently, that dividend is $1.20 per share annually, yielding roughly 2.83% based on today’s price. While Ally’s dividend payout ratio of more than 72% may raise some concerns, the company has a five-year annualized dividend growth rate of 12.03%, which supports the payment’s durability.

The next quarterly payment of $0.30 per share is scheduled for Tuesday, Feb. 17; the ex-dividend date is Monday, Feb. 2.

What Wall Street Thinks About Ally Financial?

So far in January, Ally Financial has been upgraded by Evercore, Wells Fargo and Bank of America to Outperform, Overweight and Buy, respectively.

The banks cited improving credit trends and growing confidence in Ally’s net interest margin—the difference between interest earned on loans and investments and interest paid on deposits and debt.

Of the 18 analysts covering ALLY, 13 rate the stock a Buy, five rate it a Hold and none rate it a Sell. Overall, it receives a Moderate Buy rating.

According to TradeSmith, the stock’s financial health is in the Green Zone, where it has been for more than three months. Meanwhile, institutional ownership remains above average at nearly 89%, with inflows of $2.46 billion outpacing outflows of $1.62 billion over the past 12 months.

Current short interest stands at 3.5%, or just over 308,000 shares out of about 10.7 million shares outstanding.

Notably, Ally Financial scores higher than 99% of the companies evaluated by MarketBeat and ranks 25th out of 907 stocks in the finance sector.

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