NYSE$ALLY

Ally Financial Inc · Q4 2020 earnings

Q4 2020 earnings · · Investor relations

Headline financials

Total Revenue

$1.88B

Previous: $1.64B+14.4%
EPS (adj)

$1.60

Previous: $0.95+68.4%
Net Interest Margin

2.9%

Previous: 2.6%+9.8%
Net Charge-Off Rate

0.7%

Previous: 0.9%-26.4%
Consumer Auto Originations

$4.38B

Previous: $3.6B+21.6%
Insurance Combined Ratio

85.1%

Previous: 82.7%+2.9%
Net Income

$687M

Previous: $378M+81.7%
Gross Profit

$2.11B

Previous: $1.63B+29.3%
Cash & Equivalents

$15.6B

Previous: $3.56B+339.4%
Total Assets

$182B

Previous: $181B+0.8%

Revenue & EPS history

Ally · Revenue · Quarterly

$1.88B

Q4 2020+14.4%vs Q4 2019
Beat estimate in 4 of 16 quarters(25%)
ActualEstimate

Revenue by segment

Ally · $1.73B total across 3 segments · Q4 2020

  • Automotive Finance
    $1.21B+8.8%
  • Insurance Operations
    $429M+12.6%
  • Corporate Finance
    $96M+166.7%

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 2020

Historical avgQ4 2020

+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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