NYSE$ALLY

Ally Financial Inc · Q4 2019 earnings

Q4 2019 earnings · · Investor relations

Headline financials

Total Revenue

$1.64B

Previous: $1.44B+14.3%
EPS (adj)

$0.95

Previous: $0.92+3.3%
Net Interest Margin

2.6%

No prior period
Net Charge-Off Rate

0.9%

No prior period
Consumer Auto Originations

$3.6B

No prior period
Insurance Combined Ratio

82.7%

No prior period
Net Income

$378M

Previous: $290M+30.3%
Gross Profit

$1.63B

Previous: $1.41B+15.4%
Cash & Equivalents

$3.56B

Previous: $4.54B-21.6%
Total Assets

$181B

Previous: $179B+1.0%

Revenue & EPS history

Ally · Revenue · Quarterly

$1.64B

Q4 2019+14.3%vs Q4 2018
Beat estimate in 1 of 16 quarters(6%)
ActualEstimate

Revenue by segment

Ally · $1.53B total across 3 segments · Q4 2019

  • Automotive Finance
    $1.11B
  • Insurance Operations
    $381M
  • Corporate Finance
    $36M

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 Q4 2019

Historical avgQ4 2019

+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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