Ally Financial reported Wednesday (July 17) that its net charge-offs (NCOs) in the second quarter rose in comparison to the same quarter a year earlier, due in part to losses from loans made when the price of cars peaked about two years ago.While its net charge-offs of $435 million were up from $399 million in the second quarter of 2023, they were lower than the $539 million reported in the first quarter, the company said in a presentation released Wednesday in conjunction with its quarterly earnings call.“ ...

JHVEPhoto Shares of Ally Financial Inc. (NYSE:ALLY) have been a strong performer over the past year, rising about 60% and sitting at a 52-week-high. However, shares did drop about 3% after reporting Q2 earnings on Wednesday morning. Results were solid, and this pullback likely reflects some profit-taking after a strong run. I last covered Ally in April, reiterating shares as a buy. Since then, they are up about 14%, just ahead of the market's gain. Still, shares are now firmly at my $42-45 targeted price ra ...

财务数据和关键指标变化 - 第二季度调整后每股收益为0.97美元,收入20亿美元,反映了持续的经营执行 [25] - 净息差(不含OID)为3.3%,环比上升14个基点,反映了资产负债两端的势头 [29] - 公司最近完成了首次信用风险转移交易,获得了强劲的投资者需求和定价 [37] 各条业务线数据和关键指标变化 - 汽车金融业务在第二季度决策了370万消费者汽车申请,并产生了98亿美元的贷款 [26] - 零售汽车贷款的平均收益率为10.6%,44%的贷款在最高信用等级 [26] - 保险业务二季度保费收入为3.44亿美元,同比增长15% [27] - 银行业务存款环比下降,符合公司预期的季节性税款流出 [27] - 信用卡业务表现符合预期,不良贷款率与上季度持平 [28] - 企业金融业务二季度税前利润创新高,达到98百万美元,ROE为34% [60][61] 各个市场数据和关键指标变化 - 公司在电动车租赁方面的业务有所增长,第二季度电动车租赁占总贷款的10% [50][51] - 公司预计电动车租赁业务将使全年税率为负值 [52] 公司战略和发展方向及行业竞争 - 新任CEO对公司的文化和执行力表示高度认可,将致力于维护公司的独特优势 [13][14][15] - 公司在汽车金融和数字银行两大核心业务保持领先地位,未来将继续专注于执行 [15][22] - 公司将继续优化资本使用,保持灵活性应对监管变化,但短期内不会有重大战略调整 [70][71] 管理层对经营环境和未来前景的评论 - 管理层对公司的财务和经营表现保持信心,预计将继续推动收益增长 [25][63][64][65][66] - 管理层认为公司在汽车金融和数字银行领域的领先地位将支撑未来的发展 [15][22] 其他重要信息 - 公司完成首次信用风险转移交易,体现了市场对其贷款的强劲需求 [37][40][41] - 公司在电动车租赁业务方面取得进展,但对净息差产生一定负面影响 [50][51][52][103] 问答环节重要的提问和回答 问题1 **Ryan Nash 提问** 新任CEO对公司的初步印象和未来战略方向 [68][69][70][71] **Russ Hutchinson 回答** 公司将继续专注于执行现有战略,同时保持灵活性应对监管变化 [69][70][71] 问题2 **Sanjay Sakhrani 提问** 公司作为汽车金融单一业务的战略考虑,是否有多元化发展的计划 [77][78][79] **Michael Rhodes 回答** 公司目前将继续专注于汽车金融和数字银行这两大核心业务,未来会根据市场变化适当调整 [78][79][80] 问题3 **Moshe Orenbuch 提问** 公司未来在资本管理方面的计划,包括贷款出售和证券化等 [94][95][96][97][98] **Russ Hutchinson 和 Michael Rhodes 回答** 公司将继续利用贷款出售、证券化等工具优化资本,同时保持灵活性应对监管变化 [95][96][97][98]

Ally Financial (ALLY) reported $2 billion in revenue for the quarter ended June 2024, representing a year-over-year decline of 3.8%. EPS of $0.97 for the same period compares to $0.96 a year ago.The reported revenue represents a surprise of -1.08% over the Zacks Consensus Estimate of $2.02 billion. With the consensus EPS estimate being $0.62, the EPS surprise was +56.45%.While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street ex ...

Ally Financial (ALLY) came out with quarterly earnings of $0.97 per share, beating the Zacks Consensus Estimate of $0.62 per share. This compares to earnings of $0.96 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of 56.45%. A quarter ago, it was expected that this auto finance company and bank would post earnings of $0.33 per share when it actually produced earnings of $0.45, delivering a surprise of 36.36%.Over the last four q ...

Ally Financial Inc. 2Q 2024 Earnings Review July 17, 2024 Contact Ally Investor Relations at (866) 710-4623 or investor.relations@ally.com 2Q 2024 Preliminary Results 2 Forward-Looking Statements and Additional Information This presentation and related communications should be read in conjunction with the financial statements, notes, and other information contained in our Annual Reports on Form 10-K, Quarterly Reports on Form 10-Q, and Current Reports on Form 8-K. This information is preliminary and based o ...

Exhibit 99.3 SECOND QUARTER 2024 FINANCIAL SUPPLEMENT ALLY FINANCIAL INC. FORWARD-LOOKING STATEMENTS AND ADDITIONAL INFORMATION This document and related communications should be read in conjunction with the financial statements, notes, and other information contained in our Annual Reports on Form 10-K, Quarterly Reports on Form 10-Q, and Current Reports on Form 8-K. This information is preliminary and based on company and third-party data available at the time of the presentation or related communication. ...

CHARLOTTE, N.C., July 17, 2024 /PRNewswire/ -- Ally Financial Inc. (NYSE: ALLY) today reported its second quarter 2024 results. View full press release in PDF.The news release, presentation and financial supplement can be accessed in the following ways:Ally Financial Press Room at https://media.ally.comAlly Financial Investor Relations website at https://ally.com/about/investor/Ally will host a conference call at 9 a.m. ET to review the company's performance. The call will include a review of the results, f ...

Loading...Loading...Ally Financial Inc. ALLY is scheduled to release its financial results for the second quarter, before the opening bell on Wednesday, July 17.Analysts expect the Detroit, Michigan-based company to report quarterly earnings at 64 cents per share, down from 96 cents per share in the year-ago period. Ally Financial expects to post revenue of $2.03 billion. It posted $2.08 billion a year earlier, according to data from Benzinga Pro.On April 18, Ally Financial reported better-than-expected fir ...

文章核心观点 - 艾利金融公司宣布派发普通股和优先股的季度现金股利[1][2] 公司概况 - 艾利金融是一家金融服务公司,拥有全美最大的全数字银行和行业领先的汽车金融业务[3] - 公司为约1100万客户提供全面的在线银行服务(包括存款、抵押贷款和信用卡产品)以及证券经纪和投资咨询服务[3] - 公司还包括一个强大的企业金融业务,为股权投资公司和中型企业提供资本,以及汽车金融和保险业务[3] 股利信息 - 公司宣布派发普通股每股0.30美元的季度现金股利,于2024年8月15日支付给2024年8月1日的股东[1] - 公司宣布派发4.700%固定利率重置非累积永续优先股B系列每股11.75美元的季度股利,于2024年8月15日支付给2024年7月31日的股东[2] - 公司宣布派发4.700%固定利率重置非累积永续优先股C系列每股11.75美元的季度股利,于2024年8月15日支付给2024年7月31日的股东[2]