NYSE$ALLY

Ally Financial Inc · Q4 2022 earnings

Q4 2022 earnings · · Investor relations

Headline financials

Total Revenue

$2.16B

Previous: $2.2B-1.5%
EPS (adj)

$1.08

Previous: $2.02-46.5%
Net Interest Margin

3.6%

Previous: 3.8%-3.9%
Net Charge-Off Rate

1.2%

Previous: 0.3%+231.4%
Consumer Auto Originations

$4.9B

Previous: $5.85B-16.2%
Insurance Combined Ratio

93.6%

Previous: 92.9%+0.8%
Net Income

$278M

Previous: $652M-57.4%
Gross Profit

$1.95B

Previous: $2.19B-10.7%
Cash & Equivalents

$5.57B

Previous: $5.06B+10.1%
Total Assets

$192B

Previous: $182B+5.3%

Revenue & EPS history

Ally · Revenue · Quarterly

$2.16B

Q4 2022-1.5%vs Q4 2021
Beat estimate in 4 of 14 quarters(29%)
ActualEstimate

Revenue by segment

Ally · $1.92B total across 3 segments · Q4 2022

  • Automotive Finance
    $1.42B+0.6%
  • Insurance Operations
    $387M+9.3%
  • Corporate Finance
    $119M-12.5%

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 2022

Historical avgQ4 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

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