Ally Q3 EPS $1.30 Beats; 4Q Dividend Raised to $0.35, 2026 Outlook Revised
ALLY is trading near its 52-week low of $35.92 (4.0% above the low) on elevated volume (1.8× avg).
Summary
Ally reported Q3 2026 adjusted EPS of $1.34, up 16% year over year, and raised its quarterly dividend to $0.35 while revising 2026 guidance. Provision expense rose on loan-growth reserve builds, but capital return and margin expansion held.
Key Events · Earnings and Guidance · ALLY
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Q3 Earnings Beat With 16% EPS Growth
Adjusted EPS of $1.34 rose 16% year over year on GAAP net revenue of $2.332 billion (up 8%); core pre-tax income of $581 million rose 16%.
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Dividend Raised, Buybacks Continue
Board declared a 4Q 2026 common dividend of $0.35 per share, up from $0.30, and the company repurchased $178 million of shares in the quarter with CET1 at 10.2%.
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Credit Costs Rise on Loan Growth
Provision for credit losses increased $114 million year over year to $529 million on CECL reserve builds from asset growth; retail auto net charge-offs were 1.89%, up 1 bp.
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2026 Guidance Revised
NIM ex. OID guided to 3.60%-3.65%, adjusted other revenue up 2%-4%, and consolidated net charge-offs tracking toward the low end of 1.2%-1.3%.
Analysis · ALLY · Finance
Ally delivered a clean beat-and-raise quarter: adjusted EPS of $1.34 rose 16% year over year and core pre-tax income of $581 million rose 16%, with NIM ex. OID expanding 11 bps to 3.66% and Core ROTCE up 80 bps to 13.1%. The board raised the quarterly dividend to $0.35 from $0.30 and the company bought back $178 million of stock, while CET1 held at 10.2%. The one soft spot is credit: provision expense jumped $114 million year over year to $529 million on CECL reserve builds tied to loan growth, and retail auto net charge-offs ticked up 1 bp to 1.89%. Management revised 2026 guidance, now pointing NIM ex. OID to 3.60%-3.65% and consolidated net charge-offs toward the low end of 1.2%-1.3%. With the stock near its 52-week low, the combination of double-digit earnings growth, capital return and stable credit is the key debate for investors.
How filings like this one have moved
In the 30 days to Oct 20, 2026, 29.2% of the 1466 measured filings Wiseek scored 7 moved their stock by 5% or more by the next session's close. The median move was -0.57%. These are measured outcomes after filings of this importance, not a forecast for this one.
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At the time of this filing, ALLY was trading at $37.35 on NYSE in the Finance sector, with a market capitalization of approximately $11.4B. The 52-week trading range was $35.92 to $47.29. This filing was assessed with positive market sentiment and an importance score of 7 out of 10.