OakChart

Ally Financial Inc

ALLYFinancial·Credit Services·USA·Large·NYSE·Nov 11 • 8:24 AM ET

37.58-0.09 (-0.24%)
2026-11-11 14:45 CET
Market cap
11,301.68 USD m
Revenue, TTM
- USD m
Net income, TTM
1,359.00 USD m
Free cash flow, TTM
2,189.00 USD m
EPS diluted, TTM
4.37
P/E
8.61
Compare

Price

ALLY against its 20, 50 and 200-day averages
2050200earnings
37.5040.0042.5045.0047.503.6M7.3MMay 26Jun 26Jul 26Aug 26Sep 26Oct 26Nov 26ALLYclose 37.5820-day 38.4450-day 39.12200-day 41.7437.58

20.5% under 47.29 on 29 Jun 2026. Last 15 sessions, 8.1% high to low

Profile

ALLY
52-week range, 15% of the way up
35.9247.29

Ally Financial, Inc. engages in the provision of automotive financing and insurance services. It operates through the following segments: Automotive Finance Operations, Insurance Operations, Corporate Finance Operations, and Corporate and Other. The Automotive Finance Operations segment offers automotive financing services to consumers, automotive dealers and retailers, companies, and municipalities. The Insurance Operations segment includes consumer finance protection and insurance products sold primarily through the automotive dealer channel, and commercial insurance products sold directly to dealers. The Corporate Finance Operations segment is involved in senior secured asset-based and leveraged cash flow loans to mostly U.S.-based middle-market companies, with a focus on businesses owned by private equity sponsors. The Corporate and Other segment consists of centralized corporate treasury activities, such as management of the cash and corporate investment securities and loan portfolios, short- and long-term debt, retail and brokered deposit liabilities, derivative instruments, original issue discount, and the residual impacts of corporate FTP and treasury ALM activities. The company was founded in 1919 and is headquartered in Detroit, MI.

IndexRUI
Employees10300
IPOJan 28, 2014
Beta1.15
ATR, 14d1.05
Rel volume0.01
Short float4.14%
Insider own0.79%
Inst own98.25%

Snapshot

6 groups

Valuation

IndexRUI
Market Cap11.27B
Enterprise Value-
Income1.36B
Sales16.00B
Book/sh43.24
Cash/sh-
Dividend Est.1.25 (3.32%)
Dividend TTM1.25 (3.33%)
Dividend Ex-DateNov 02, 2026
Dividend Gr. 3/5Y0.00% 9.57%
Payout50.63%
Employees10300
IPOJan 28, 2014

Ratios

P/E8.61
Forward P/E6.27
PEG0.30
P/S0.70
P/B0.87
P/C-
P/FCF5.15
EV/EBITDA-
EV/Sales-
Quick Ratio-
Current Ratio0.95
Debt/Eq1.68
LT Debt/Eq1.03
Option/ShortYes / Yes

Earnings

EPS (ttm)4.37
EPS next Y5.99
EPS next Q1.36
EPS this Y31.30%
EPS next Y19.84%
EPS next 5Y20.94%
EPS past 3/5Y-22.20% -3.80%
Sales past 3/5Y7.16% 7.13%
EPS Y/Y TTM161.37%
Sales Y/Y TTM4.66%
EPS Q/Q10.08%
Sales Q/Q5.10%
EarningsOct 20 AMC
EPS/Sales Surpr.0.37% 0.97%

Ownership

Insider Own0.79%
Insider Trans-0.95%
Inst Own98.25%
Inst Trans-0.17%
ROA0.75%
ROE9.90%
ROIC4.91%
Gross Margin-
Oper. Margin11.61%
Profit Margin8.49%
SMA20-2.24%
SMA50-3.94%
SMA200-9.97%
Trades-

Technical

Shs Outstand300.54M
Shs Float297.66M
Short Float4.14%
Short Ratio3.27
Short Interest12.34M
52W High47.29 -20.53%
52W Low35.92 4.62%
Volatility4.01% 2.82%
ATR (14)1.05
RSI (14)42.94
Beta1.15
Rel Volume0.01
Avg Volume3.77M
Volume2,209

Performance

Perf Week-4.52%
Perf Month-0.05%
Perf Quarter-15.74%
Perf Half Y-9.90%
Perf YTD-17.02%
Perf Year-4.79%
Perf 3Y47.20%
Perf 5Y-25.57%
Perf 10Y104.68%
Recom1.76
Target Price47.17
Prev Close37.67
Price37.58
Change %-0.24%

Analyst ratings

latest 10 of 20
DateActionAnalystRating changeTargetImplied
Oct 12, 2026DowngradeMMorgan StanleyOverweight → Equal-Weight$43+14.4%
Sep 30, 2026DowngradeWWells FargoOverweight → Equal Weight$42+11.8%
Sep 02, 2026ResumedRRaymond JamesStrong Buy$55+46.4%
Jan 08, 2026InitiatedUUBSBuy$56+49.0%
Jan 06, 2026UpgradeEEvercore ISIIn-line → Outperform$53+41.0%
Dec 17, 2025UpgradeWWells FargoEqual Weight → Overweight$52+38.4%
Oct 20, 2025UpgradeTTD CowenHold → Buy$50+33.0%
Sep 02, 2025UpgradeWWells FargoUnderweight → Equal Weight$45+19.7%
Jul 14, 2025UpgradeBBTIG ResearchSell → Neutral
Apr 07, 2025UpgradeCCompass PointNeutral → Buy$41+9.1%

Peers

Mkt cap
TickerCompanyMkt cap
SOFISoFi Technologies Inc21.59B
COFCapital One Financial Corp117.50B
CACCCredit Acceptance Corp5.25B
OMFOneMain Holdings Inc6.32B
SYFSynchrony Financial22.65B
AXAxos Financial Inc5.17B
CPSSConsumer Portfolio Service Inc219.16M
CFGCitizens Financial Group Inc27.17B
HBANHuntington Bancshares Inc32.00B
HAPNHappen Inc1.82B

Insider trading

10 filings
InsiderRelationshipDateTransactionCostSharesValueTotal heldForm
Patterson Kathleen L.Chief HR & Corp CitizenshipOct 21 '26Sale38.6512,831495,88467,781Oct 22 04:42 PM
KATHLEEN L. PATTERSONOfficerOct 21 '26Proposed Sale38.6512,831495,884Oct 21 05:36 PM
Richard Stephanie NChief Risk OfficerAug 04 '26Sale44.235,000221,16888,927Aug 05 11:42 AM
STEPHANIE RICHARDOfficerAug 04 '26Proposed Sale44.235,000221,168Aug 04 04:07 PM
Richard Stephanie NChief Risk OfficerMay 15 '26Sale42.145,000210,70893,927May 19 04:33 PM
STEPHANIE RICHARDOfficerMay 15 '26Proposed Sale42.145,000210,708May 15 04:14 PM
Timmerman Douglas R.President, DFSApr 17 '26Sale45.1739,6751,792,175477,627Apr 20 05:04 PM
Douglas TimmermanOfficerApr 17 '26Proposed Sale45.1739,6751,792,174Apr 17 01:34 PM
Hutchinson Russell E.Chief Financial OfficerJan 27 '26Buy43.1711,566499,307225,336Jan 28 04:48 PM
RHODES MICHAEL GEORGEChief Executive OfficerJan 23 '26Buy41.6823,800991,86749,434Jan 23 04:19 PM

Held by

AUM
TickerCompanyAUM
IJHiShares Core S&P Mid-Cap ETFAUM: 124.95B
VTIVanguard Morningstar Total Stock Market ETFAUM: 689.41B
VBVanguard Morningstar Small-Cap ETFAUM: 79.96B
DFATU.S. Targeted Value Portfolio-ETF Class SharesAUM: 14.50B
VBRVanguard Morningstar Small-Cap Value ETFAUM: 37.82B
VXFVanguard Extended Market Index ETFAUM: 30.61B
DFSVUS Small Cap Value Portfolio ETF Class SharesAUM: 8.54B
MDYState Street SPDR S&P MIDCAP 400 ETF TrustAUM: 26.35B
SPMDState Street SPDR Portfolio S&P 400TM Mid Cap ETFAUM: 18.97B
IJJiShares S&P Mid-Cap 400 Value ETFAUM: 8.83B

News

latest 14 of 206
  • Ally Financial to present at the J.P. Morgan Financials Conference (PR Newswire)
  • Berkshire Hathaway May Have Sold More Bank of America Stock in the Third Quarter (Barrons.com)
  • Ally Financial Recognized Among the Best Banks and Workplaces (PR Newswire)
  • Ally Financial sees significant growth in auto loan, lease originations (Wards Auto)
  • Charlotte FC and Ally Announce Multi-Year Extension of Founding Partnership (PR Newswire)
  • Loading…
  • Expanding Lending with AI: Pagaya CEO & Co-Founder Gal Krubiner, Live from Money 20/20 2026 (Exec Edge)
  • With a Fed Decision a Week Away, Lenders Show How Borrowers Are Handling Higher Rates (PR Newswire)
  • Ally's auto delinquencies rise in tandem with originations (American Banker)
  • Ally Financial: Q3 Earnings Snapshot (Associated Press)
  • Ally Financial reports third quarter 2026 financial results (PR Newswire)
  • Ally Financial declares dividend on common stock and Series C and Series D preferred stock (PR Newswire)
  • What Would You Have Needed To Notice In GM Stock? (Trefis)
  • Ally Financial to present at the BancAnalysts Association of Boston Conference (PR Newswire)

Quarterly earnings

actual against estimate
PeriodReportedEPS actEPS estEPS repSales actSales estAnalysts
2026Q32026-10-201.3401.3351.3002,3322,31017
2026Q22026-07-211.2101.2231.1802,2762,22116
2026Q12026-04-171.1100.9340.9292,1022,14116
2025Q42026-01-211.0901.0150.9552,1232,14417
2025Q32025-10-171.1501.0051.1822,1682,11519
2025Q22025-07-180.9900.8121.0372,0822,03819
2025Q12025-04-170.5800.424-0.8191,5412,03318
2024Q42025-01-220.7800.5720.2602,0262,01916
2024Q32024-10-180.9500.5181.0612,1032,03118
2024Q22024-07-170.9700.6360.8582,0002,02819
2024Q12024-04-180.4500.3190.4181,9861,95718
2023Q42024-01-180.4500.4440.1602,0671,99721
2023Q32023-10-180.8300.7980.8801,9682,05618
2023Q22023-07-190.9600.9390.9882,0792,09318
2023Q12023-04-190.8200.8630.9592,1002,06320
2022Q42023-01-201.0800.9680.8282,2012,05619

Annual earnings

PeriodEPS actEPS estEPS repSales actSales est
2017FY2.3902.3072.0405,7655,739
2018FY3.3403.2412.9535,8045,908
2019FY3.7203.7134.3376,3946,212
2020FY3.0302.4412.8776,6866,382
2021FY8.6108.5238.2238,2068,109
2022FY6.0605.9775.0348,4288,347
2023FY3.0503.0412.7768,2148,143
2024FY2.3502.9941.7998,1818,113
2025FY3.8103.7442.3707,9147,934
2026FY-5.002--9,095
2027FY-5.995--9,599
2028FY-6.740--9,913

Estimate revisions

last 14 periods
PeriodTypeDateEstimatesUpDownMeanLowHigh
2026Q4S2026-11-0914372,3512,3082,373
2026Q4S2026-10-3014362,3522,3082,391
2026Q4S2026-10-2614352,3542,3082,391
2026Q4S2026-10-2214352,3542,3082,391
2026Q4S2026-10-2114262,3512,3082,391
2026Q4S2026-10-2014162,3512,3032,391
2026Q4S2026-10-0914072,3452,3032,391
2026Q4S2026-10-0814062,3482,3082,391
2026Q4S2026-10-0614052,3522,3082,409
2026Q4S2026-10-0514042,3542,3082,409
2026Q4S2026-10-0414042,3542,3082,409
2026Q4S2026-10-0214142,3542,3082,409
2026Q4S2026-09-2914132,3592,3082,409
2026Q4S2026-09-2814212,3652,3242,409

Estimate history

EPS, annual2.042.9534.3372.8778.2235.0342.7761.7992.374.365
Period201720182019202020212022202320242025TTM
EPS, quarterly1.0610.26-0.8191.0371.1820.9550.9291.181.301
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Sales, annual9976105281147410722107291229215859163511512716000
Period201720182019202020212022202320242025TTM
Sales, quarterly412940823442384239213923392940274121
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Shares, annual437.054404.9374.332374.674337.941299.324302.459305.388308.493300.538
Period201720182019202020212022202320242025MRQ
Shares, quarterly304.715305.388307.152307.787307.828308.493307.408304.543300.538
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26

Income statement, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Interest Income13,822.0013,521.0014,222.0013,958.0010,621.008,651.008,797.009,857.009,052.00
Total Interest Expense6,137.006,408.007,472.006,897.002,857.001,914.003,243.004,243.003,637.00
Net Interest Income7,685.007,113.006,750.007,061.007,764.006,737.005,554.005,614.005,415.00
Loan Loss Provision1,913.001,477.002,166.001,968.001,399.00241.001,439.00998.00918.00
Net Interest Income After Loan Loss Provision5,772.005,636.004,584.005,093.006,365.006,496.004,115.004,616.004,497.00
Non-Interest Income2,178.001,606.002,129.001,901.001,671.002,078.001,925.001,617.001,476.00
Non-Interest Expense6,092.005,939.005,911.005,957.006,027.005,059.004,762.004,397.004,487.00
Operating Income1,858.001,303.00802.001,037.002,009.003,515.001,278.001,836.001,486.00
Unusual Expense2.00305.00118.00149.000.00136.00152.000.000.00
Net Income Before Taxes1,890.001,051.00836.001,103.002,281.003,855.001,414.001,967.001,622.00
Income Taxes401.00199.00167.00144.00566.00790.00328.00246.00359.00
Consolidated Net Income1,489.00852.00669.00959.001,715.003,065.001,086.001,721.001,263.00
Net Income From Continuing Operations1,489.00852.00669.00959.001,715.003,065.001,086.001,721.001,263.00
Net Income1,359.00742.00558.00847.001,604.003,003.001,085.001,715.001,263.00
EPS (Recurring)4.413.052.073.125.038.483.164.342.95
EPS (Basic, Before Extraordinaries)4.412.391.822.795.068.282.894.362.97
EPS (Diluted)4.372.371.802.785.038.222.884.342.95
Non-Operating Income (Expense)34.0053.00152.00215.00272.00476.00288.00131.00136.00
Other After Tax Adjustments0.000.000.000.000.000.000.000.000.00
Stock Option Compensation Expense121.66120.87131.93125.61114.5592.7177.3867.8960.00
Price To Earnings Ratio8.638.6314.429.554.135.8112.427.057.67
Price To Sales Ratio0.720.940.680.670.631.621.251.050.92
Operating Margin11.618.614.906.5416.3432.7611.9216.0014.11
Net Margin8.494.913.415.3413.0527.9910.1214.9512.00
Shares Outstanding300.54308.49305.39302.46299.32337.94374.67374.33404.90
Market Capitalization11,301.6811,301.6810,972.7910,532.927,301.9217,351.1813,331.7411,614.919,360.44

Income statement, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q22025Q12024Q4
Interest Income3,567.003,465.003,374.003,416.003,387.003,325.003,393.003,528.00
Total Interest Expense1,546.001,512.001,517.001,562.001,578.001,593.001,675.001,799.00
Net Interest Income2,021.001,953.001,857.001,854.001,809.001,732.001,718.001,729.00
Loan Loss Provision529.00430.00467.00487.00415.00384.00191.00557.00
Net Interest Income After Loan Loss Provision1,492.001,523.001,390.001,367.001,394.001,348.001,527.001,172.00
Non-Interest Income554.00562.00555.00507.00534.00517.0049.00554.00
Non-Interest Expense1,488.001,557.001,552.001,495.001,439.001,444.001,561.001,439.00
Operating Income558.00528.00393.00379.00489.00421.0015.00287.00
Unusual Expense0.002.000.000.000.000.00305.00118.00
Net Income Before Taxes567.00537.00400.00386.00513.00436.00-284.00109.00
Income Taxes134.00127.0081.0059.00115.0084.00-59.000.00
Consolidated Net Income433.00410.00319.00327.00398.00352.00-225.00109.00
Net Income From Continuing Operations433.00410.00319.00327.00398.00352.00-225.00109.00
Net Income401.00367.00291.00300.00371.00324.00-253.0081.00
EPS (Recurring)1.301.180.930.951.181.04-0.130.53
EPS (Basic, Before Extraordinaries)1.311.190.940.971.201.05-0.820.26
EPS (Diluted)1.301.180.930.951.181.04-0.820.26
Non-Operating Income (Expense)9.0011.007.007.0024.0015.007.009.00
Other After Tax Adjustments0.000.000.000.000.000.000.000.00
Stock Option Compensation Expense16.5933.1840.2931.6015.8034.7649.0032.39
Price To Earnings Ratio8.6311.2016.6627.2725.4628.6214.0414.42
Price To Sales Ratio0.720.900.790.940.800.790.720.68
Operating Margin13.5413.1110.009.6612.4710.960.447.03
Net Margin9.739.117.417.659.468.43-7.351.98
Shares Outstanding300.54304.54307.41308.49307.83307.79307.15305.39
Market Capitalization11,301.6814,084.7312,125.6813,951.7212,066.0711,964.4711,201.2110,972.79

Balance sheet, annual

Currency USD, millions
Metric2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY
Cash & Due from Banks2,184.001,610.001,132.001,193.001,110.001,677.001,444.001,899.001,890.00
Investments42,221.0041,175.0040,148.0040,124.0044,082.0049,484.0037,686.0034,579.0029,980.00
Net Loans133,964.00132,316.00135,852.00132,037.00119,001.00115,251.00126,968.00128,684.00121,617.00
Investment in Unconsolidated Affiliates715.00632.00651.00608.00472.00320.00358.00262.00220.00
Customer Liability on Acceptances0.000.000.000.000.000.000.000.000.00
Net Property, Plant & Equipment10,031.009,336.0010,457.0011,831.0012,194.0010,527.009,678.008,981.009,197.00
Interest Receivables941.00929.00935.00786.00600.00704.00589.00599.000.00
Deferred Tax Assets2,334.001,916.001,247.001,087.002,188.0094.0058.00317.00461.00
Other Intangible Assets3,612.003,922.005,907.004,160.004,401.004,108.003,861.003,548.003,783.00
Total Assets196,002.00191,836.00196,329.00191,826.00184,048.00182,165.00180,644.00178,869.00167,148.00
Total Deposits151,649.00151,574.00154,666.00152,297.00141,558.00137,036.00120,752.00106,178.0093,256.00
Total Debt21,889.0019,231.0020,980.0020,298.0017,204.0024,329.0039,754.0054,180.0055,639.00
Long Term Debt14,497.0012,749.0013,309.0013,446.0011,294.0017,072.0024,954.0035,217.0033,189.00
Provision for Risks Charges233.00189.00140.00119.00122.00129.00122.00134.00140.00
Deferred Tax Liabilities----1,944.0092.0067.00--
Other Liabilities6,733.006,939.006,840.006,253.006,170.005,876.005,533.005,109.004,619.00
Total Liabilities180,504.00177,933.00182,626.00178,967.00166,998.00167,462.00166,228.00165,601.00153,654.00
Preferred Stock - Carrying Value2,324.002,324.002,324.002,324.002,324.000.000.000.000.00
Common Equity13,174.0011,579.0011,379.0010,535.0014,726.0014,703.0014,416.0013,268.0013,494.00
Total Shareholders Equity15,498.0013,903.0013,703.0012,859.0017,050.0014,703.0014,416.0013,268.0013,494.00
Accumulated Minority Interest0.000.000.000.000.000.000.000.000.00
Total Equity15,498.0013,903.0013,703.0012,859.0017,050.0014,703.0014,416.0013,268.0013,494.00
Total Liabilities & Stockholders Equity196,002.00191,836.00196,329.00191,826.00184,048.00182,165.00180,644.00178,869.00167,148.00
Book Value Per Share42.7037.9237.6235.2043.5839.2438.5132.7730.87
Tangible Book Value Per Share42.0935.9335.1732.1240.7638.1937.2832.1830.33
Tier 1 Capital17,885.0017,324.0017,392.0016,867.0017,403.0017,289.0016,271.0015,831.0015,617.00
Tier 2 Capital2,846.002,858.002,663.002,342.002,321.002,489.002,235.002,215.002,346.00
Full-Time Employees10,30010,70011,10011,60010,5009,5008,7008,2007,900
Price to Book Ratio0.870.881.000.731.090.910.790.690.95
Return on Assets0.440.340.490.911.670.600.960.730.55
Return on Equity5.804.847.2211.4719.317.4612.439.446.86
Return on Invested Capital2.842.513.546.5210.803.414.362.601.99
Current Ratio0.301.481.090.210.162.030.340.340.07

Cash flow, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Funds from Operations4,588.004,427.004,055.004,141.004,508.004,326.003,809.003,997.003,855.00
Extraordinary Item0.000.000.000.000.000.000.000.000.00
Changes in Working Capital383.00-799.0060.0011.001,872.00-136.00-32.0041.00363.00
Cash from Operating Activities4,971.003,628.004,115.004,152.006,380.004,190.003,777.004,038.004,218.00
Capital Expenditures-2,782.00-4,275.00-3,460.00-2,759.00-3,532.00-5,120.00-4,320.00-4,023.00-3,709.00
Net Assets From Acquisitions0.000.000.000.000.00-699.000.00-171.000.00
Sale of Fixed Assets and Businesses2,022.004,995.005,764.003,228.003,023.003,438.002,681.002,625.003,089.00
Purchase or Sale of Investments-225.00577.002,185.001,943.00-1,186.00-4,790.001,677.00-2,672.00-4,702.00
Purchase of Investments-4,210.00-6,964.00-1,601.00-930.00-7,309.00-23,195.00-18,750.00-16,211.00-9,703.00
Sale Or Maturity of Investments3,985.007,541.003,786.002,873.006,123.0018,405.0020,427.0013,539.005,001.00
Other Uses-594.00-600.00-608.00-579.00-531.00-443.00-450.00-379.00-340.00
Other Sources0.000.000.000.000.000.000.000.000.00
Cash from Investing Activities-16,945.00-5,163.005,404.00-6,777.00-17,396.00-11,246.008,389.00-3,757.00-14,577.00
Cash Dividends Paid-495.00-489.00-482.00-478.00-494.00-381.00-289.00-273.00-242.00
Change in Capital Stock-859.00-59.00-38.00-33.00-1,650.00330.00-106.00-1,039.00-939.00
Repurchase of Common Pref Stock-1,846.00-59.00-38.00-33.00-1,650.00-1,994.00-106.00-1,039.00-939.00
Sale of Common Pref Stock987.000.000.000.000.002,324.000.000.000.00
Proceedsfrom Stock Options987.000.000.000.000.002,324.000.000.000.00
Issuance or Reduction of Debt, Net4,308.002,562.00-1,819.002,008.003,060.00-7,917.00-15,842.00-14,765.00-965.00
Change in Long Term Debt1,935.00-508.00-147.001,110.00661.00-5,781.00-12,447.00-10,309.00461.00
Issuance of Long Term Debt6,716.004,673.004,337.005,705.007,125.002,997.003,660.006,915.0018,401.00
Reduction of Long Term Debt-4,781.00-5,181.00-4,484.00-4,595.00-6,464.00-8,778.00-16,107.00-17,224.00-17,940.00
Net Financing Active Other Cash Flow0.000.000.000.00-44.00-391.000.000.000.00
Other Financing Activities Uses--0.000.00-44.00-391.00---
Cash from Financing Activities10,197.001,956.00-5,566.003,839.0011,575.00-3,848.0025.00-1,530.0010,721.00
Exchange Rate Effect-5.008.00-12.003.00-7.000.003.003.00-5.00
Net Change in Cash-1,782.00429.003,941.001,217.00552.00-10,904.0012,194.00-1,246.00357.00
Free Cash Flow2,189.00-647.00655.001,393.002,848.00-930.00-543.0015.00509.00
Preferred Dividends (Cash Flow)--110.00-110.00-110.00-110.00-57.000.000.000.00
Price to Free Cash Flow6.84-64.5611.653.31---36.30
Federal Home Loan Advances Increase (Decrease)-0.000.000.000.000.000.000.000.00

Balance sheet, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Cash & Due from Banks2,291.002,122.002,091.002,184.001,787.001,446.00
Investments39,194.0040,142.0041,435.0042,221.0041,668.0041,805.00
Net Loans144,277.00140,097.00136,350.00133,964.00131,107.00129,813.00
Investment in Unconsolidated Affiliates792.00754.00741.00715.00705.00680.00
Net Property, Plant & Equipment9,489.009,794.009,931.0010,031.009,866.009,278.00
Interest Receivables980.00950.00930.00941.00896.00887.00
Deferred Tax Assets2,590.002,397.002,368.002,334.002,175.002,081.00
Other Intangible Assets3,672.003,516.003,423.003,612.003,507.003,483.00
Total Assets203,285.00199,772.00197,269.00196,002.00191,711.00189,473.00
Total Deposits155,804.00154,046.00153,152.00151,649.00148,410.00147,866.00
Total Debt25,146.0023,083.0021,596.0021,889.0020,734.0019,830.00
Long Term Debt15,377.0014,004.0015,002.0014,497.0013,339.0012,439.00
Provision for Risks Charges752.00735.00251.00233.00231.00254.00
Other Liabilities6,613.006,417.006,661.006,733.007,219.006,976.00
Total Liabilities188,315.00184,281.00181,660.00180,504.00176,594.00174,926.00
Preferred Stock - Carrying Value1,976.001,976.002,324.002,324.002,324.002,324.00
Common Equity12,994.0013,515.0013,285.0013,174.0012,793.0012,223.00
Total Shareholders Equity14,970.0015,491.0015,609.0015,498.0015,117.0014,547.00
Accumulated Minority Interest0.000.000.000.000.000.00
Total Equity14,970.0015,491.0015,609.0015,498.0015,117.0014,547.00
Total Liabilities & Stockholders Equity203,285.00199,772.00197,269.00196,002.00191,711.00189,473.00
Book Value Per Share43.2444.3843.2242.7041.5639.71
Tangible Book Value Per Share42.6043.7542.6042.0940.9439.10
Tier 1 Capital17,977.0017,813.0017,934.0017,885.0017,440.0017,216.00
Tier 2 Capital2,899.002,880.002,859.00-2,819.002,825.00
Full-Time Employees---10,300--
Price to Book Ratio0.871.060.921.090.991.00
Return on Assets0.750.750.710.440.330.31
Return on Equity9.909.689.365.804.254.18
Return on Invested Capital1.431.391.041.091.401.30
Current Ratio0.950.981.450.301.301.34

Cash flow, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Funds from Operations1,184.001,066.001,147.001,191.001,098.001,008.00
Extraordinary Item0.000.000.000.000.000.00
Changes in Working Capital411.00287.00224.00-539.00123.00-140.00
Cash from Operating Activities1,595.001,353.001,371.00652.001,221.00868.00
Capital Expenditures-462.00-724.00-705.00-891.00-1,484.00-1,081.00
Net Assets From Acquisitions0.000.000.000.000.000.00
Sale of Fixed Assets and Businesses498.00575.00474.00475.00655.003,184.00
Purchase or Sale of Investments63.00-130.00-49.00-109.00299.001,138.00
Purchase of Investments-993.00-1,163.00-1,156.00-898.00-728.00-1,245.00
Sale Or Maturity of Investments1,056.001,033.001,107.00789.001,027.002,383.00
Other Uses-171.00-117.00-126.00-180.00-122.00-147.00
Other Sources0.000.000.000.000.000.00
Cash from Investing Activities-4,843.00-4,596.00-3,043.00-4,463.00-2,400.002,988.00
Cash Dividends Paid-124.00-120.00-130.00-121.00-120.00-120.00
Preferred Dividends (Cash Flow)-32.00-28.00-28.00-27.00-27.00-28.00
Change in Capital Stock-178.00-511.00-147.00-23.00-1.00-1.00
Repurchase of Common Pref Stock-178.00-1,498.00-147.00-23.00-1.00-1.00
Sale of Common Pref Stock0.00987.000.000.000.000.00
Proceedsfrom Stock Options987.000.000.000.000.000.00
Issuance or Reduction of Debt, Net2,035.001,469.00-312.001,116.00874.00-92.00
Change in Long Term Debt1,699.00-321.00257.00300.00851.00-609.00
Issuance of Long Term Debt2,737.00796.001,081.002,102.001,618.00929.00
Reduction of Long Term Debt-1,038.00-1,117.00-824.00-1,802.00-767.00-1,538.00
Net Financing Active Other Cash Flow0.000.000.000.000.000.00
Cash from Financing Activities3,448.001,641.001,095.004,013.001,280.00-3,775.00
Exchange Rate Effect-1.00-4.00-3.003.00-5.0010.00
Net Change in Cash199.00-1,606.00-580.00205.0096.0091.00
Free Cash Flow1,133.00629.00666.00-239.00-263.00-213.00
Price to Free Cash Flow6.8447.32----

Revenue breakdown

Banking Fees And Interchange Income2024: 47.00M 2025: 39.00M
Brokerage Commissions and Other2024: 88.00M 2025: 82.00M
Brokered/Agent Commissions2024: 20.00M 2025: 14.00M
Noninsurance Contracts2024: 909.00M 2025: 966.00M
Product and Service, Other2024: 22.00M 2025: 27.00M
Remarketing Activities2024: 112.00M 2025: 116.00M
United States2024: 1.20B 2025: 1.24B
Automotive Finance Operations2024: 131.00M 2025: 138.00M
Consolidation, Policy2024: 135.00M 2025: 124.00M
Insurance Operations2024: 932.00M 2025: 982.00M

Short interest

shares short against float, oldest to newest
SettlementOf floatShares shortFloatAvg volume
2026-10-304.14%12.3M297.7M3.64M
2026-10-154.12%12.4M301.8M3.47M
2026-09-305.16%15.6M301.8M3.21M
2026-09-154.96%15.0M301.8M3.08M
2026-08-314.60%13.9M301.8M3.13M
2026-08-144.28%12.9M301.8M3.17M
2026-07-314.37%13.2M301.8M3.22M
2026-07-154.32%13.1M304.1M3.30M
2026-06-304.55%13.8M304.1M3.34M
2026-06-154.54%13.8M303.9M3.46M
2026-05-294.01%12.2M304.0M3.53M
2026-05-153.88%11.8M304.0M3.61M
2026-04-303.37%10.2M304.1M3.74M
2026-04-153.31%10.1M305.5M3.89M
2026-03-313.58%10.9M304.7M3.92M
2026-03-133.79%11.6M305.8M3.58M
2026-02-273.62%11.1M305.8M3.48M
2026-02-133.80%11.6M304.8M3.37M
2026-01-303.61%11.0M304.8M3.25M
2026-01-153.11%9.5M304.9M3.06M

Option chain

expiry 2026-11-20
TypeStrikeBidAskLastIVOpen intVolumeDeltaThetaVega
call20.0017.1018.3018.183.0290.000.000.987-0.0160.002
call23.0014.2015.400.002.5810.000.000.985-0.0160.002
call25.0012.1013.3013.802.1380.000.000.982-0.0160.003
call28.009.1010.4014.801.7580.000.000.977-0.0150.003
call30.007.408.408.701.4590.000.000.972-0.0150.004
call33.004.405.305.570.9661.000.000.934-0.0220.008
call34.003.504.100.000.7060.000.000.882-0.0340.012
call35.002.603.204.010.6315.000.000.843-0.0350.015
call36.001.802.252.920.5139.000.000.750-0.0430.020
call37.001.101.301.280.37862.006.000.625-0.0460.023
call38.000.550.801.370.3857,5120.000.456-0.0470.024
call39.000.250.450.350.3872,54412.000.310-0.0440.022
call40.000.100.200.200.3698,69525.000.186-0.0330.017
call41.000.000.150.050.4252,1872.000.129-0.0290.013
call42.000.000.100.050.4599391.000.080-0.0220.009
call43.000.000.250.050.5321040.000.071-0.0230.008
call44.000.000.350.050.5251,1450.000.039-0.0140.005
call45.000.000.050.040.5862742.000.036-0.0150.005
call46.000.000.350.050.6441190.000.033-0.0150.005
call47.000.000.350.050.7009770.000.031-0.0150.004
call48.000.000.350.050.75454.000.000.029-0.0160.004
call49.000.000.350.170.8062430.000.027-0.0160.004
call50.000.000.250.050.8571,1563.000.026-0.0160.004
call55.000.000.050.010.9848350.000.022-0.0160.003
call60.000.000.050.601.1801100.000.019-0.0170.003
call65.000.000.350.051.4752.000.000.017-0.0190.003
call70.000.000.350.301.6401.000.000.015-0.0200.002
put20.000.000.050.061.78847.000.00-0.011-0.0160.002
put23.000.000.050.051.44222.000.00-0.014-0.0150.002
put25.000.000.050.021.23422.000.00-0.016-0.0150.003
put28.000.000.050.020.9341360.00-0.022-0.0150.003
put30.000.000.150.040.7453810.00-0.027-0.0150.004
put33.000.000.100.350.5501,5026.00-0.065-0.0220.008
put34.000.000.200.050.54667128.00-0.117-0.0340.012
put35.000.100.200.150.4331,594132-0.156-0.0350.015
put36.000.200.350.300.4014670.00-0.249-0.0430.020
put37.000.450.650.500.3895984.00-0.375-0.0450.023
put38.000.801.050.900.35584712.00-0.543-0.0460.024
put39.001.351.851.350.4234440.00-0.689-0.0440.022
put40.002.102.751.950.4984810.00-0.813-0.0320.017
put41.003.103.902.390.6875410.00-0.871-0.0280.013
put42.003.704.703.300.6763190.00-0.919-0.0200.009
put43.004.905.805.310.83030.001.00-0.928-0.0210.008
put44.005.706.805.420.9190.000.00-0.960-0.0130.005
put45.006.707.506.700.7672050.00-0.963-0.0130.005
put46.007.708.803.701.0850.000.00-0.966-0.0130.005
put47.008.709.804.401.1620.000.00-0.968-0.0140.004
put48.009.7010.805.801.2360.000.00-0.970-0.0140.004
put49.0010.8011.705.401.2280.000.00-0.972-0.0140.004
put50.0011.7012.805.701.3760.000.00-0.973-0.0140.004
put55.0016.7017.7013.421.5980.000.00-0.978-0.0150.003
put60.0021.7022.8018.201.9600.000.00-0.981-0.0150.003
put65.0026.7027.8023.202.2010.000.00-0.983-0.0150.003
put70.0031.7032.800.002.4190.000.00-0.984-0.0150.002

Latest SEC filings

30
FiledFormDescriptionPeriodLink
2026-11-0210-QQuarterly report pursuant to Section 13 or 15(d)2026-09-30SEC
2026-10-224Statement of changes in beneficial ownership of securities2026-10-20SEC
2026-10-224Statement of changes in beneficial ownership of securities2026-10-20SEC
2026-10-224Statement of changes in beneficial ownership of securities2026-10-20SEC
2026-10-224Statement of changes in beneficial ownership of securities2026-10-20SEC
2026-10-224Statement of changes in beneficial ownership of securities2026-10-20SEC
2026-10-21144Filing for proposed sale of securities under Rule 144.SEC
2026-10-208-KCurrent report2026-10-20SEC
2026-10-078-KCurrent report2026-10-05SEC
2026-10-014Statement of changes in beneficial ownership of securities2026-09-30SEC
2026-10-014Statement of changes in beneficial ownership of securities2026-09-30SEC
2026-10-014Statement of changes in beneficial ownership of securities2026-09-30SEC
2026-09-168-KCurrent report2026-09-16SEC
2026-09-10424B2SEC
2026-09-09FWPFiling under Securities Act Rule 163/433 of free writing prospectuses.SEC
2026-09-09424B5SEC
2026-08-1313F-HRFurther understand that each of 13F-HR, 13F-NT, and amendments thereto are mandatory electronic filings (hardship exemption exists to submit in paper; never used to the knowledge of IM staff);2026-06-30SEC
2026-08-054Statement of changes in beneficial ownership of securities2026-08-04SEC
2026-08-04144Filing for proposed sale of securities under Rule 144.SEC
2026-07-234Statement of changes in beneficial ownership of securities2026-07-21SEC
2026-07-2310-QQuarterly report pursuant to Section 13 or 15(d)2026-06-30SEC
2026-07-218-KCurrent report2026-07-21SEC
2026-07-104Statement of changes in beneficial ownership of securities2026-07-09SEC
2026-07-104Statement of changes in beneficial ownership of securities2026-07-09SEC
2026-07-104Statement of changes in beneficial ownership of securities2026-07-09SEC
2026-05-208-KCurrent report2026-05-19SEC
2026-05-194Statement of changes in beneficial ownership of securities2026-05-15SEC
2026-05-194Statement of changes in beneficial ownership of securities2026-05-15SEC
2026-05-194Statement of changes in beneficial ownership of securities2026-05-15SEC
2026-05-194Statement of changes in beneficial ownership of securities2026-05-15SEC

Insider activity by month

MonthBoughtBuysSoldSells
2026-110000
2026-1000495.88K1
2026-090000
2026-0800221.17K1
2026-070000
2026-060000
2026-0500210.71K1
2026-04001.79M1
2026-030000
2026-020000
2026-011.49M200
2025-120000
2025-110000

Institutional holders

Manager% owned
BlackRock, Inc.9.34%
BERKSHIRE HATHAWAY INC8.81%
HARRIS ASSOCIATES L P8.52%
VANGUARD PORTFOLIO MANAGEMENT LLC4.60%
VANGUARD CAPITAL MANAGEMENT LLC4.08%
DIMENSIONAL FUND ADVISORS LP3.63%
WELLINGTON MANAGEMENT GROUP LLP3.36%
STATE STREET CORP2.90%
Sessa Capital IM, L.P.2.77%
ARROWSTREET CAPITAL, LIMITED PARTNERSHIP2.24%

Funds

Fund% owned
Franklin Income Fund27.40%
Fidelity Investment Grade Bond Central Fund19.57%
LORD ABBETT BOND DEBENTURE FUND INC14.66%
Fidelity Series Investment Grade Bond Fund12.08%
Bond Fund10.94%
Lord Abbett Short Duration High Yield Fund10.66%
Fidelity SAI Total Bond Fund8.22%
VANGUARD TOTAL BOND MARKET II INDEX FUND7.91%
Baird Short-Term Bond Fund6.52%
Bramshill Income Performance Fund6.05%

OakChart. ALLY. Cached 15 minutes.