ALLY

LONGINSIDER SELL

ALLY FINL INC

Funds

Score

4.50

vs SPY

-6.5%

Stock return (since Q-end)

+9.9%

SPY return (since Q-end)

+16.3%

Current price

$42.81

News Summary

Positive

Ally delivered a strong Q1 2026 earnings beat ($1.11 EPS vs. $0.95 est.) with dramatic year-over-year profitability improvement, record auto originations, and NIM expansion; management maintained full-year guidance with confidence while resuming capital returns via $2B buyback authorization. However, analyst concerns about aggressive capital deployment against a low pro forma CET1 ratio (~8.3%) and macroeconomic sensitivity present material downside risks in a cyclical environment.

Red flags

•Pro forma adjusted CET1 capital ratio of ~8.3% is tight for cyclical stress; $2B buyback authorization may limit loss-absorbing capacity
•Revenue missed consensus estimates ($2.102B vs. ~$2.181B); credit card sale and mortgage wind-down partially offset by other divisions
•Retail Auto NCO guidance at 1.8%–2.0% for 2026 reflects credit normalization risk; PHEV model pressure noted despite used car price tailwinds
•Guidance assumes no Fed rate cuts until June 2027 per March 31 forward curve; NIM compression risk if actual rate path diverges

Funds Buying (3)

Fund	Manager	Shares Held	∆ Shares	Position Value	QoQ	Status
Berkshire Hathaway	Warren Buffett	29.0M	+29.0M	$1137.7B	—	NEW
Point72	Steve Cohen	2.0M	+2.0M	$77.4B	—	NEW
Soros Fund Management	Soros Family Office	725K	+725K	$28.5B	—	NEW

Shares Held and Position Value reflect total quarter-end holdings. ∆ Shares is the change from the prior quarter.

Insider Activity

Name	Title	Type	Shares	Price	Value	Filed
Richard Stephanie N	Chief Risk Officer	SELL	5K	$42.14	$0.21M	2026-05-15
Timmerman Douglas R.	President, DFS	SELL	40K	$45.17	$1.79M	2026-04-17