NYSE$ALLY

Ally Financial Inc · Q1 2024 earnings

Q1 2024 earnings · · Investor relations

Briefing

Ally's financial results for Q1 2024 reflected the strength and scale of its market-leading franchises.

Ally Financial reported a net income attributable to common shareholders of $129 million for Q1 2024, compared to $291 million in Q1 2023. The decrease was driven by lower net financing revenue, higher provision for credit losses, and higher noninterest expenses, partially offset by higher other revenue. The company saw record consumer auto applications and continued momentum in insurance earned premiums.

  • Michael Rhodes was announced as CEO starting April 29.
  • The sale of Ally Lending was successfully closed, resulting in a CET1 benefit.
  • A record 3.8 million consumer auto applications were received, driving $9.8 billion of origination volume.
  • Insurance earned premiums reached a record $349 million, with continued momentum from new P&C OEM relationships.

Headline financials

Total Revenue

$1.99B

Previous: $2.1B-5.4%
EPS

$0.42

Previous: $0.82-48.8%
Net Interest Margin

3.2%

Previous: 3.5%-10.0%
Retail Auto Originated Yield

9.3%

No prior period
Net Charge-Off Rate

2.3%

Previous: 1.7%+34.5%
Retail Deposit Customers

3.1M

No prior period
Consumer Auto Originations

$10.6B

Previous: $9.5B+11.6%
Insurance Combined Ratio

353000000.0%

Previous: 307000000.0%+15.0%
Free Cash Flow

$157M

Previous: $319M-50.8%
Net Income

$157M

Previous: $319M-50.8%
Operating Income

-$589M

Previous: $137M-529.9%
Gross Profit

$1.87B

Previous: $2.01B-6.9%
Cash & Equivalents

$8.15B

Previous: $9.78B-16.6%
Total Assets

$193B

Previous: $196B-1.7%

Revenue & EPS history

Ally · Revenue · Quarterly

$1.99B

Q1 2024-5.4%vs Q1 2023
Beat estimate in 4 of 14 quarters(29%)
ActualEstimate

Revenue by segment

Ally · $1.78B total across 3 segments · Q3 2023

  • Automotive Finance
    $1.36B+178.7%
  • Insurance Operations
    $324M+1180.0%
  • Corporate Finance
    $97M+6.6%

Forward guidance

No specific forward guidance was provided in the earnings report.

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 2024

Historical avgQ1 2024

+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

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