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The themes Ally Financial is part of, the highest-graded companies in its industry, and the companies in its sector whose grade rose recently.
The theme it is part of
Highest-graded in Credit Services
Graded A or B and worth $2B or more: A first, then the largest.
AXPAmerican Express Co.US$ 213,3BA
COFCapital ONE Financial Corp.US$ 116,5BA+
SOFISoFi Technologies, Inc.US$ 20,3BA
FCFSFirstcash Holdings, Inc.US$ 7,8BA+
OMFOnemain Holdings, Inc.US$ 6,3BA
Grade rose recently in Financials
Rose to A or B on a filing in the last 90 days, worth $2B or more: largest first.
BLKBlackRock, Inc.4 de nov. de 2026CAGraded C, now A
HSBCHsbc Holdings plc27 de out. de 2026CBGraded C, now B
GSThe Goldman Sachs Group, Inc.2 de nov. de 2026BAGraded B, now A
WFCWells Fargo & Company13 de out. de 2026BAGraded B, now A
CMECME Group Inc.21 de out. de 2026BAGraded B, now A
Como ganha dinheiro
- Automotive finance73%
- Insurance20%
- Corporate finance8%
As participações na receita são estimativas para quarter ended March 31, 2026, não números de um relatório oficial.
Concorre com
- COFCapital OneA
- Tamanho
- US$ 116,5B
- Margem
- 17,2%
- JPMJPMorgan ChaseA
- Tamanho
- US$ 910,1B
- Margem
- 32,5%
- WFCWells FargoA
- Tamanho
- US$ 257,5B
- Margem
- 26,3%
- FFord Credit (Ford Motor Company)F
- Tamanho
- US$ 48,5B
- Margem
- -4,2%
- GMGM Financial (General Motors)B
- Tamanho
- US$ 72,8B
- Margem
- 2,1%
- TMToyota Financial Services (Toyota Motor Corporation)A
- Tamanho
- US$ 273,3B
- Margem
- 7,6%
O que vende6
Consumer car loans and leases
Loans that help people buy cars, and leases that let customers use a vehicle for a set period without having to buy it.
Dealer and business vehicle financing
Loans for dealers to buy vehicles for their lots, plus loans for dealership businesses and vehicles used by fleets.
Vehicle insurance and protection
Includes coverage for vehicle repairs beyond a manufacturer’s warranty, protection for some unpaid loan balances if a car is totaled or stolen, and insurance for dealer inventory.
Mostrar mais 3
Ally Bank accounts
Online savings and checking accounts for customers.
Ally Invest
Online investing accounts, including brokerage, automated investing and personal financial advice.
Corporate finance loans
Loans to middle-market companies, private-equity sponsors and asset managers, including loans backed by company assets or cash flows.
Quem compra4
- People who finance or lease cars through dealerships or Ally’s direct lending service.
- Automotive dealers that borrow to stock vehicles, finance their businesses, or buy insurance and other dealer products.
- Customers who open online checking or savings accounts or use Ally Invest to buy and manage investments.
- Private-equity sponsors, middle-market companies and asset managers that borrow for business or lending activities.
Em que se apoia e o que pode quebrá-lo
Do que o negócio depende
- 1Ally relies on car dealerships to introduce many borrowers and sell its financing and insurance products; General Motors and Stellantis dealers and their customers remain a significant part of its customer base.
- 2Its car lending and leasing business depends on U.S. vehicle sales and on the value of used cars, which can affect loan losses and what Ally recovers when leased vehicles are sold.
- 3Customer deposits are an important source of funding, and Ally also relies on access to capital markets and third-party service providers.
O que pode dar errado
- 1If borrowers fall behind on car loans, losses can rise; low or changing used-car prices can reduce the value recovered from vehicles securing loans or returned at the end of leases.
- 2A decline in U.S. vehicle sales, changes to dealerships’ role, or weaker relationships with General Motors and Stellantis dealers could reduce financing and insurance business.
- 3Deposit withdrawals, higher funding costs or regulatory limits on bank capital and liquidity could restrict Ally’s ability to fund loans and run its businesses.
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Sobre a Ally Financial Inc.
Ally finances car purchases and leases for consumers, and lends to car dealers for inventory and other business needs. Its insurance business sells vehicle repair coverage, debt protection and insurance for dealer inventory, mainly through dealerships. Ally also takes customer deposits through its online bank, provides online investing services, and lends to middle-market companies and asset managers.
- Sede
- Detroit, Michigan, United States
- Fundada em
- 1919 (as General Motors Acceptance Corporation)
- Funcionários
- 10,300 (December 31, 2025, high)
- Listada em
- NYSE
- Fim do exercício
- December 31
Construído a partir dos próprios documentos de Ally Financial Inc. entregues à Comissão de Valores Mobiliários dos EUA (SEC). Os números são os divulgados, com o histórico por ação recalculado para a base de ações de hoje. Isto descreve um negócio — não é recomendação de investimento nem sugestão de compra ou venda.
