# Ally Financial Inc. (ALLY)
auto-bank · prime · live · latest quarter 2026-06-30 · reporting basis prime

**Score 1** (weighted flags). Bank holding company whose core is prime retail auto loans and leases through a dealer network, plus commercial auto floorplan, mortgage and corporate finance.

## Latest quarter, from the company's own XBRL

| Measure | Value |
|---|---|
| Book total (prime) | $143.67B |
| Allowance | $3.58B (2.49% of gross) |
| Provision | $430.0M |
| Net charge-offs | $394.0M (1.11% annualized) |
| Provision / NCO | 1.09 |
| Reserve, quarters of losses | 9.1 |
| 30+ / 60+ / 90+ | – / – / – |
| Nonaccrual | 0.85% |
| Yield | 7.73% |
| Equity / assets | 7.75% |
| Book growth YoY | 7.8% |

Delinquency note: The tagged book is total finance receivables and loans, not the retail auto slice alone, so the allowance ratio blends a prime auto book with floorplan and corporate lending and reads below Ally's own retail auto coverage. Operating leases sit outside the receivable. Deposit funded, so debt to equity is not a leverage read comparable to a finance company's. In the second quarter of 2021 recoveries exceeded charge-offs, a real stimulus-era result that the panel's negative loss screen blanks for that one quarter.

## Flags

- **Equity under a tenth of assets** (`equity_thin`)

## In the news

- 2026-09-08 [(BPRW) ProcuraFind® and Ally Financial Announce Strategic Initiative to Advance Small Business Growth Through Education, Readiness, and Opportunity - Black PR Wire](https://news.google.com/rss/articles/CBMikwJBVV95cUxPVzJ3bzEyTTBEem5SLTVRWEtwVHdldUFFb0k4WjRFckl4dHRjYm00cnc4UmFBMlVSclY1RGVPSFlCQ190V3hYR1F5NnZuOXhHQ29URE1VdVNhMEdJQ2dnTHQzdzl3OHpzVlRXYW1XNzcyU0pueE9uUGh3cTBXWmJrT29Uc0pXbE5BenpTdnU2d01MaHRDWWl4R0tjR0ZEcGZqWThIMGlhUTc5aGwyVTlYTGRFSGRZdFg2YWJyZ2JaZ2w3NXF0V29LN3FlV1BMSWhxcWo1QS10V1RmWEx5VUE5WW0zYUd2YVVZOTIyTy1ibmg4Y21ndHdvcUxUZkdiejQtU283TUdldDg5UFZ0eHFaclg4UQ?oc=5) · Black PR Wire
- 2026-09-09 [Truist turns to AI for call notes, aiming to shave costs without cutting jobs - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxQYjdoZW44eHNBWFdtY1FuV3pNZVNrOWpJMkdtcnRMczIzR3ZxQUFNNHNPSHJTSk9weWMzX2R3d0NiZW5SWmZDUmk0a1hEWmJtam4zU3VTUGxnbjZjVlRRUllxWXlzdEFaVFh1UWhMR19fb3VNQkhGelROZmp4SXQ4NUg0S0toa01rQTU5a3Fpc1QtSDI4WG9QWTZUQ1pSQld3b09uWDVTUQ?oc=5) · The Business Journals
- 2026-05-06 [Ally Financial to present at the Bernstein Strategic Decisions Conference - Ally](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPdlF4dVNPUEJiSnZSc1ozOEJzQ0Zia2hoV0ZDeTRDNjdPVTVxa3NLLVpPLTBhWXp6N3ZlS3lwSFV2UzVJTlRlOXNlUmJ0Skk0MjUwUVh1NHZPQ3Jzamkxb2p6RHc0YmRnNkw0TkxBeHZKRnBJeWF6LVhsazEzd1JWWjU3SWFGNTlzd19SaUVnSWltWDhVWTJtUEE0Wk82bHRFTFBNcERiSWNNWjg?oc=5) · Ally
- 2026-09-09 [(ALLY) Movement Within Algorithmic Entry Frameworks - Stock Traders Daily](https://news.google.com/rss/articles/CBMiygFBVV95cUxOZ2lDZmZRUzdlNGZWOVkwZDNmeVBENEFFb3FWYVBiMnZ4SVBvNHNpX3d6MDRYbmlVTlhIUXYtUUVqZHlxMm45NzNkN0NncWltc21tTktJN2hjOXJybktYRDh1R1VfV1BTQWc2TzFYTWZEZ0F3cUpWaXF0T3l2dXI5YnRNcWk0ZUIxdEtxZWlDUy1BQ2RnUnNTNHozOV9kb1hybHA5bGJ4VGY4bkd3Xy12bWFQVTN0UDk1ZVhuem1pdEVDaXJHR1IyRUtR?oc=5) · Stock Traders Daily
- 2026-09-08 [Ally Financial Inc (ALLY) Shares Fall 3.3% -- GF Value Says Stil - gurufocus.com](https://news.google.com/rss/articles/CBMirAFBVV95cUxNTUlQSnhza24wTUN0YXNLUzZhVTRsNUdkOWtseGMzREZPRlhNc19YRDhDa0toaXdXQTRHcmtkV2pSeEd5eFl4eUc0emJEUnh4bmZkOWVEazBNYnM4SWx3ZVFOSDB3cGIwWEFTTGExbGNua3BIcUNfVFdaRUVzZ1NqNm1TSjczbmVtWWFEYkhVVkNtMHhNbzh0V0dSSlJCQk9kX1UyQU1qLTVnOC1O?oc=5) · gurufocus.com
- 2026-09-03 [Is Ally’s Widespread Digital Outage Altering The Investment Case For Ally Financial (ALLY)? - Yahoo Finance](https://news.google.com/rss/articles/CBMipwFBVV95cUxOREl4cjlxQ2dTQzAxM00wc2hnbkpKS1pyVkpULXdEOFdpZEdHWWlVTjNCYjNRT2hvVjV1dGpvRnFTNlQ3N1pEVVcwMzcwVFh3TDAxQzFkNXZtTFRLX3lJLUlIcTd2elFvNU1xblJ6dEdTdVpFT0MtOVZ5YU9HNUVBREJramplZzdOclNZTFlSV0Z0eUFjVFRKVGRsUlBvdVJNbDM4d1c1bw?oc=5) · Yahoo Finance
- 2026-07-13 [Ally Financial Names Mark Mathewson Chief Information and Data Officer - PR Newswire](https://news.google.com/rss/articles/CBMixAFBVV95cUxOd0FvdjY3SkJRSTA3NmFzMlBJLWdhemUycloxUUl2MTN5TXVGVDU5M0Y1a0w0bjNUdm16eU9CZ0toaDA2N3RzRzFQcVlwc09vcHYtSlZDbFJxNTdQRmJxZkVKaTJMQjdzanVyb0FvaktaVW1yMmI3NndMTU15RF9wVlRnS2p0ZWJtTVRSSlJ1V1hCZkpveGQ2YnJLNENsYUx4eTdSSVlfQlFhdU9Vd3M3dVo4M2x0anE3dDJvZlNBVFMxcDVa?oc=5) · PR Newswire
- 2026-03-12 [Ally Financial schedules release of first quarter 2026 financial results - Ally](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNWnFkbnNhZ0QwcFdZbzZCMUlmdEZoUDViT0RXZi1tcjUyWGQ2YXpYUmZhODlwbVN0ZjQzWkJIaDlYb3o4WlZtdTkyTXVFN2gtdHpWZGNKcjAyX0VBT204OTk1V09YbGI0M2ZaZXFqVFg0SnhBWFg5R3c0aHdrQVluWFRUUTFlRlF0QWVYWDVMcDFCcWE3NFVJRWdIdDBuQlNmc1d5UVN6eXpZZw?oc=5) · Ally

## How to verify

- Page: https://getbookiq.com/intel/#co=ALLY
- Data: https://getbookiq.com/intel/data/pubco.json (companies[].hist, columns q, receivables_gross, receivables_net, receivables_fv, book_total, allowance, provision, writeoffs, recoveries, nco, revenue, interest_income, nonaccrual, assets, equity, debt, alw_ratio, nco_rate, yield, prov_nco, nonacc_ratio, equity_ratio, leverage, reserve_qtrs, growth_yoy, alw_chg_yoy, nco_chg_yoy, nonacc_chg_yoy, yield_chg_yoy, eq_chg_yoy, dq30, dq60, dq90, dq_total, dq30_r, dq60_r, dq90_r, dq_total_r, dq90_chg_yoy, dqtot_chg_yoy, score)
- Definitions: https://getbookiq.com/dictionary/#auto-prov_nco
- Source: SEC XBRL company facts. Blank means the filer does not tag that concept, never zero. Peer comparison is within a business model or tier only.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide