NYSE$ALLY

Ally Financial Inc · Q1 2022 earnings

Q1 2022 earnings · · Investor relations

Briefing

Ally's first quarter results were announced, showcasing strong financial and operational performance amidst a dynamic market environment.

Ally Financial reported a net income attributable to common shareholders of $627 million, with a GAAP EPS of $1.86 and an adjusted EPS of $2.03. The company achieved a core return on tangible common equity of 23.6%.

  • Consumer auto originations reached $11.6 billion.
  • Retail deposit customers grew for the 52nd consecutive quarter, reaching 2.5 million.
  • Ally Lending gross originations increased by 109% year over year to $442 million.
  • Ally Credit Card balances increased by 93% year over year to $1.0 billion.

Headline financials

Total Revenue

$2.14B

Previous: $1.94B+10.2%
EPS (adj)

$2.03

Previous: $2.09-2.9%
Net Interest Margin

3.9%

Previous: 3.2%+24.4%
Net Charge-Off Rate

0.6%

Previous: 0.5%+9.4%
Consumer Auto Originations

$11.6B

Previous: $10.2B+13.7%
Insurance Combined Ratio

265000000.0%

Previous: 333000000.0%-20.4%
Free Cash Flow

$655M

Previous: $796M-17.7%
Net Income

$655M

Previous: $796M-17.7%
Operating Income

$1.18B

Previous: $1.07B+10.5%
Gross Profit

$1.91B

Previous: $1.89B+1.2%
Cash & Equivalents

$3.93B

Previous: $15.8B-75.1%
Total Assets

$184B

Previous: $182B+1.3%

Revenue & EPS history

Ally · Revenue · Quarterly

$2.14B

Q1 2022+10.2%vs Q1 2021
Beat estimate in 7 of 16 quarters(44%)
ActualEstimate

Revenue by segment

Ally · $802M total across 3 segments · Q1 2022

  • Automotive Finance
    $725M-39.6%
  • Corporate Finance
    $64M-9.9%
  • Insurance Operations
    $13M-96.1%

Forward guidance

Ally remains on track with FY 2022 buyback authorization of $2.0 billion and announced 2Q 2022 common dividend of $0.30 per share

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q1 2022

Historical avgQ1 2022

+0.5%

Avg return

Earnings day

+0.9%

Avg return

5 days after

+2.2%

Avg return

30 days after

44%

22 / 50 earnings

Positive

+23.3%

Q4 2022

Best reaction

-9.2%

Q3 2021

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q4 2025-0.1%+9.0%+0.1%
Q1 2026-0.7%+9.0%+0.1%
Q3 2025+3.6%+5.6%+2.2%
Q2 2025+0.0%-1.6%+8.6%
Q1 2025-1.7%-2.4%+12.0%
Q4 2024+3.9%+2.8%-1.8%
Q3 2024-0.1%+1.9%+9.9%
Q2 2024+0.7%+4.9%-0.1%
Q1 2024+7.7%+9.5%+10.6%
Q4 2023+13.0%+13.5%+12.0%
Q3 2023-6.1%-11.2%+7.4%
Q2 2023-3.2%-2.6%-8.2%
Q1 2023-1.8%-2.8%-1.6%
Q4 2022+23.3%+24.7%+18.6%
Q3 2022-8.5%-7.4%-9.4%
Q2 2022-1.2%-6.2%+3.8%
Q1 2022-3.8%-6.2%-13.7%
Q4 2021-4.7%-1.5%+1.6%
Q3 2021-9.2%-9.8%-14.1%
Q2 2021+9.5%+7.9%+6.7%
Q1 2021+1.0%+3.7%+9.7%
Q4 2020-1.5%-8.7%+7.2%
Q3 2020+2.1%-0.0%+7.3%
Q2 2020-5.2%-4.1%+1.0%
Q1 2020-7.7%-7.0%+7.1%
Q4 2019+8.1%+3.6%-5.9%
Q3 2019-4.7%-4.2%-3.6%
Q2 2019+5.1%+7.2%-2.2%
Q1 2019+0.9%+0.3%-0.9%
Q4 2018+3.0%+4.7%+6.8%
Q3 2018-0.4%+2.5%+1.9%
Q2 2018-2.5%-4.3%-2.6%
Q1 2018-4.4%-5.7%-3.7%
Q4 2017-1.7%-4.6%-9.5%
Q3 2017+5.6%+6.5%+7.7%
Q2 2017+4.5%+4.9%+4.8%
Q1 2017-6.3%-5.6%-9.6%
Q4 2016+9.7%+15.3%+14.3%
Q3 2016-4.5%-7.6%+1.2%
Q2 2016+0.2%+2.3%+12.0%
Q1 2016-3.4%
Q4 2015+6.4%
Q3 2015-3.8%
Q2 2015+6.6%
Q1 2015+6.2%
Q4 2014-6.5%
Q3 2014+2.7%
Q2 2014-4.0%
Q1 2014-0.4%
Q4 2013+1.1%
Q3 2013
Q2 2013
Q1 2013
Q4 2009
Q4 2011
Q4 2012
Q3 2012
Q2 2012
Q1 2011
Q1 2012
Q4 2010
Q3 2011
Q3 2010
Q2 2011
Q2 2010
Q1 2010

Discussion

Share your read of this quarter. Sign-in carries your eToro identity.

Join the conversation

Sign in with eToro to post your read of this quarter and vote on others'.

Sign in with eToro