Ally Financial (ALLY) reported $2.33 billion in revenue for the quarter ended September 2026, representing a year-over-year increase of 7.6%. EPS of $1.34 for the same period compares to $1.15 a year ago.
The reported revenue represents a surprise of +2.32% over the Zacks Consensus Estimate of $2.28 billion. With the consensus EPS estimate being $1.32, the EPS surprise was +1.52%.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
Here is how Ally Financial performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts: Net charge-offs to average finance receivables and loans outstanding: 1.2% compared to the 1.2% average estimate based on three analysts. Net interest margin (as reported): 3.6% versus 3.6% estimated by three analysts on average. Book value per share: $43.24 versus $44.92 estimated by three analysts on average. Total interest-earning assets (Average Balances): $191.73 billion versus the three-analyst average estimate of $190.31 billion. Efficiency Ratio: 53% compared to the 53.2% average estimate based on three analysts. Non-performing loans (NPLs): $1.31 billion versus $1.11 billion estimated by two analysts on average. Total other revenue: $584 million versus the three-analyst average estimate of $568.03 million. The reported number represents a year-over-year change of 0%. Insurance premiums and service revenue earned: $365 million compared to the $373.73 million average estimate based on two analysts. The reported number represents a change of +1.1% year over year. Net financing revenue: $1.75 billion versus $1.71 billion estimated by two analysts on average. Compared to the year-ago quarter, this number represents a +10.4% change. Net Financing Revenue (excluding Core OID): $1.77 billion versus $1.74 billion estimated by two analysts on average. Compared to the year-ago quarter, this number represents a +10.4% change.View all Key Company Metrics for Ally Financial here>>>
Shares of Ally Financial have returned -5.8% over the past month versus the Zacks S&P 500 composite's +0.7% change. The stock currently has a Zacks Rank #5 (Strong Sell), indicating that it could underperform the broader market in the near term.Radical New Technology Could Hand Investors Huge Gains
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This article originally published on Zacks Investment Research (zacks.com).