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Ally Financial (ALLY) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 2, 2026 · Ally Financial (ALLY) Q3 2026 earnings results →
Q3 2026 Revenue up 8% year over year to $2.3B · 19¢ of every $1 of revenue kept as net profit · operating margin 24.3%
Ally Financial made $2.3B in Q3 2026 (+8% Y/Y). Operating margin 24.3%, net earnings $433M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 2, 2026.
Drawing the Sankey…
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What changed this quarter
Revenue was $2.3B in Q3 2026, up 8% year over year and up 2% from the previous quarter.
Operating profit was $0.57B, a 24.3% margin (up 0.7 points year over year). Of the extra revenue versus Q3 2025, 33% reached operating profit, above the 24% margin then. Total costs grew 7% against revenue growth of 8%. Net earnings were $0.43B, up 9% year over year. The effective tax rate was 23.6%.
Operating cash flow was $1.6B (up 33% year over year), 368% of net earnings. Non-cash charges added back $0.38B of depreciation and amortization. Working capital and other items added $0.78B.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 2, 2026 | $2.3B | +8% | 24.3% | $433M | $1.6B |
| Q2 2026 | 10-Q | Jul 23, 2026 | $2.3B | +10% | 23.5% | $410M | $1.4B |
| Q1 2026 | 10-Q | May 5, 2026 | $2.1B | +36% | 19.0% | $319M | $1.4B |
| Q4 2025 | 10-K | Feb 25, 2026 | $2.1B | +5% | 18.2% | $327M | $640M |
| Q3 2025 | 10-Q | Oct 30, 2025 | $2.2B | +2% | 23.7% | $398M | $1.2B |
| Q2 2025 | 10-Q | Aug 4, 2025 | $2.1B | +3% | 20.9% | $352M | $947M |
| Q1 2025 | 10-Q | May 5, 2025 | $1.5B | -23% | -18.4% | −$225M | $940M |
Charts
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💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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Customers and suppliers named in filings
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About Ally Financial
Ally Financial Inc. (together with its consolidated subsidiaries unless the context otherwise requires, Ally, the Company, we, us, or our) is a financial-services company with $196.0 billion in assets as of December 31, 2025. The Company comprises the nation’s largest all-digital bank and an industry-leading automotive financing and insurance business, driven by a mission to “Do It Right” and be a relentless ally for all stakeholders. The Company serves customers with deposits and securities brokerage and investment advisory services as well as automotive financing and insurance offerings. The Company also includes a seasoned corporate finance business that offers capital for equity sponsors and middle-market companies.
In its own words, from its 10-K, filed Feb 25, 2026.
Ally Financial against its State Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +8% against the peers' median +10%. Operating margin: 24.3% against the peers' median 34.6%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| ALLY Ally Financial | Q3 2026 | $2.3B | +8% | 24.3% |
| BNY Bank of New York Mellon | Q3 2026 | $5.7B | +12% | 38.5% |
| STT State Street | Q3 2026 | $4.0B | +13% | 34.7% |
| FITB Fifth Third Bancorp | Q3 2026 | $3.3B | +42% | 33.8% |
| MTB M&T Bank | Q3 2026 | $2.5B | +0.9% | 39.7% |
| FCNCA First Citizens Bancshares | Q3 2026 | $2.4B | 0% | 33.1% |
| CFG Citizens Financial Group | Q3 2026 | $2.3B | +10% | 34.6% |
| NTRS Northern Trust | Q3 2026 | $2.3B | +13% | 34.7% |
| WAL Western Alliance Bancorporation | Q3 2026 | $1.0B | +8% | 33.4% |
Source: Ally Financial 10-Q on SEC EDGAR · CIK 40729 · State Commercial Banks
Guidance and outlook
13F: who owns ALLY and who is buying
More on ALLY
History
Every quarter: Q3 2026 results · Q2 2026 results · Q1 2026 results · Q4 2025 results · Q3 2025 results · Q2 2025 results · Q1 2025 results