Ally Financial (ALLY) Q3 FY2026 earnings: revenue $2.3 billion, up 7.6% on the year

Ally Financial Inc. (ALLY) announced its results for Q3 FY2026, the quarter ended 30 September 2026, on 20 October 2026. Revenue was $2.3 billion, up 7.6% on the same quarter a year earlier. Net income was $433 million, up 8.8% on the year, and diluted earnings per share $1.30. The figures are from the company's earnings press release; the 10-Q with the full statements is not filed yet, and this page fills in when it is.

Revenue$2.3 billionup 7.6%

Net income$433 millionup 8.8%

Diluted EPS$1.30$1.18 a year earlier

QuarterQ3 FY2026ended 30 September 2026

What management said

Guidance figures: 1 raised.

Common net income rose to $401 million: Net income attributable to common shareholders was $401 million, compared with $371 million a year earlier. GAAP EPS was $1.30 and adjusted EPS was $1.34.
Pre-tax income up 11 percent: GAAP pre-tax income was $567 million, up 11% year over year. Core pre-tax income was $581 million, up 16% year over year.
Auto Finance pre-tax income fell: Auto Finance pre-tax income was $337 million, down $84 million year over year. Management attributed the decline to higher provision expense and higher noninterest expense, partly offset by revenue.

Read the earnings call summary

The quarter, against the one before and a year earlier

Line	Q3 FY2026	Q2 FY2026	Q3 FY2025	Change on the year
Revenue	2,332	2,286	2,168	+7.6%
Net income	433	410	398	+8.8%
Diluted EPS	$1.30	$1.18	$1.18	+10.2%

$ million except per share.

Q3 FY2026 is from the company's press release of 20 October 2026; the other columns are from its 10-Q and 10-K filings. A release figure is shown when the release's own figure for an earlier quarter matches the filed one, so the line and its units are read right.

Quarterly results, the last 20 quarters filed

	Q3 FY2021	Q4 FY2021 *	Q1 FY2022	Q2 FY2022	Q3 FY2022	Q4 FY2022 *	Q1 FY2023 †	Q2 FY2023 †	Q3 FY2023 †	Q4 FY2023 *	Q1 FY2024 †	Q2 FY2024 †	Q3 FY2024 †	Q4 FY2024 * †	Q1 FY2025	Q2 FY2025	Q3 FY2025	Q4 FY2025 *	Q1 FY2026	Q2 FY2026
Revenue	1,985	2,199	2,135	2,076	2,016	2,201	2,100	2,079	1,968	2,067	1,998	2,022	2,135	2,026	1,541	2,082	2,168	2,123	2,102	2,286
Interest expense	444	415	401	467	804	1,185	1,458	1,681	1,850	1,908	1,922	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Pre-tax income	907	899	846	634	417	445	388	403	228	64.0	183	279	265	109	-284	436	513	386	400	537
Tax rate	21%	27%	23%	24%	28%	38%	23%	24%	-22%	16%	22%	22%	25%	0%	n/a	19%	22%	15%	20%	24%
Net income	712	652	655	482	299	278	299	311	285	62.0	143	219	198	108	-225	352	398	327	319	410
Net margin	36%	30%	31%	23%	15%	13%	14%	15%	14%	3%	7%	11%	9%	5%	-15%	17%	18%	15%	15%	18%
Diluted EPS	$1.89	$1.81	$1.86	$1.40	$0.88	$0.89	$0.96	$0.99	$0.88	$0.16	$0.42	$0.86	$1.06	$0.26	-$0.82	$1.04	$1.18	$0.95	$0.93	$1.18
Operating cash flow	1,461	959	1,641	1,831	1,602	1,173	1,413	1,588	1,660	-17.0	1,266	1,575	992	620	940	947	1,202	640	1,371	1,353
Buybacks	679	594	584	600	415	51.0	27.0	2.0	0.0	4.0	29.0	1.0	1.0	7.0	34.0	1.0	1.0	23.0	147	148
Dividends paid	93.0	87.0	104	99.0	95.0	86.0	96.0	91.0	90.0	91.0	97.0	91.0	92.0	92.0	100	92.0	93.0	94.0	102	92.0
Shares outstanding	350m	338m	327m	313m	300m	299m	301m	302m	302m	302m	304m	305m	305m	305m	307m	308m	308m	308m	307m	305m
Filing	10-Q	10-K	10-Q	10-Q	10-Q	10-K	10-Q	10-Q	10-Q	10-K	10-Q	10-Q	10-Q	10-K	10-Q	10-Q	10-Q	10-K	10-Q	10-Q

Each quarter as filed, linked to its filing.

* The fourth quarter is the full year less the first three quarters, because the company files the year and not the quarter on its own. A fourth quarter's EPS, and its diluted share count where shown, are from the company's results press release for that quarter, checked against the company's filed figures or a second data source. A quarter marked † is shown as the company last restated it in a later filing, so it compares with the quarters around it on one basis; rest on a figure for the one first filed. EPS is as filed. Money is in $ million as the company files it, or in $ billion by the switch above the tables; per share figures and the share count are as they are. Free cash flow is operating cash flow less capital expenditure; the effective tax rate is income tax over pre-tax income; margins are the line over revenue. Gross profit is revenue less cost of revenue, and operating income is revenue less the company's own total costs, where the statement does not print those lines. Cash flow lines filed year to date are the difference between two filings. Shares outstanding are at the period end where the balance sheet tags them, otherwise the count on the filing's cover page. A derived fourth-quarter EPS is left blank when a split in the year makes the arithmetic meaningless.

Earnings press release for the quarter ended 30 September 2026, filed with the SEC on 20 October 2026 with a Form 8-K: the release.