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Bonus Article from MarketBeat Media

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

Authored by Jordan Chussler. Date Posted: 1/23/2026. 

What You Need to Know

• 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 sector has been the worst performer in the S&P 500, declining 2.99%. Over the past six months, its modest 1.26% gain ranks second-worst.

But as Q4 earnings season begins in earnest, bank stocks are already showing the sector’s long-term value as earnings beats and stronger forward guidance aim to restore investor confidence.

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

Ally Reports Record Q4 Earnings Growth

When Ally posted Q4 earnings, it reported earnings per share (EPS) of $1.09, beating the consensus estimate of $1.02. Quarterly revenue came in at $2.17 billion—a 4.8% year-over-year increase—versus analyst expectations of $2.15 billion.

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 said the firm generated $1.5 billion in written insurance premiums—a record for Ally—alongside year-over-year 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. Ally processed 3.8 million applications in Q4, equating to $10.8 billion in loan originations in the quarter and roughly $43.7 billion for the year—an 11% increase year over year.

Ally 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.” He noted the bank “now serve[s] 3.5 million customers as 2025 marked our 17th consecutive year of customer growth.”

Ally has a trailing EPS of $1.66 and a trailing 12-month price-to-earnings (P/E) ratio of 25.52. Analysts expect earnings to rise sharply next year—about 53.2%—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 just 11.88, the stock is increasingly being viewed as a value opportunity.

As with most financial institutions, Ally pays a dividend to patient shareholders.

Currently, that dividend pays $1.20 per share annually, representing a 2.83% yield at today’s price. While Ally’s dividend payout ratio of more than 72% may give some investors pause, the company has a five-year annualized dividend growth rate of 12.03%, which supports the case for a reliable payment.

The next quarterly payment of $0.30 per share is scheduled for Tuesday, Feb. 17, to investors of record before the ex-dividend date of 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.

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

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

According to TradeSmith, the stock’s financial health sits 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 10.7 million shares outstanding.

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

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