Ally Financial Inc.

ALLY · Banks · NYSE · As of 30 Oct 2026

FundamentalsWhat is this?HideWatch
How the business is doing on its own reported US-GAAP numbers — growth, margins, cash generation, balance-sheet strength, capital efficiency and dilution — compared with sector peers.
Source: SEC XBRL financial statements.
ValueWhat is this?HideToo few of the required measures on file
How the shares are priced against sector peers, against the company's own recent history, and against a simple cash-flow estimate, using the filing numbers and the current price. AIR shows this as a band, never as a target price.
Source: SEC XBRL financial statements and end-of-day prices.
News flowWhat is this?HideBalanced
What the company has documented recently: material 8-K events (contracts, deals, results, leadership changes) and FDA approvals, weighted by recency and type. A language model's reading of each 8-K helps classify whether it is positive or negative. Filings, not press or social media.
Source: SEC EDGAR 8-K filings and FDA approvals.
MomentumWhat is this?HideWatch
The longer-term market read: the trend in end-of-day prices, strength against the market and the sector, and trading volume over roughly the past three to twelve months. It is shown, never used to rank the Shortlist.
Source: End-of-day prices.
SafetyWhat is this?HideStrong
The risk side: leverage, liquidity, cash runway, dilution, revenue and margin swings, company size and pre-commercial status, negative 8-K events (including legal and regulatory ones), and share-price drawdown and volatility. Higher means fewer of those risk markers.
Source: SEC XBRL financial statements, SEC EDGAR 8-K filings and end-of-day prices.

DISCOVERY GAP

Some evidence isn't yet fully priced in.

Low is the most common level — the cut-offs are fixed, and levels can shift as scores refresh.

What is this?

How far documented progress (News flow) runs ahead of market attention. Attention is measured from institutional holdings reported to the SEC, trading volume, price behaviour and how richly the shares are valued — not from social media or analyst ratings.

Source: SEC EDGAR filings (8-K and 13F), FDA approvals and end-of-day prices.

How levels work. The levels use fixed cut-offs, but market attention is ranked against the other ~1,800 companies AIR covers that day (valuation against the same sector). Documented progress counts filings from the past 18 months, newer ones weighing more; attention uses the latest quarter of institutional holdings, the last three to six months of trading, and six to twelve months of price behaviour. Many companies show a Low Gap or none at all — a gap needs filings that read more positively than neutral. A level can change from one day to the next as scores refresh and the other companies move.

Gap confidenceWhat is this?HideModerate 46/100How fully AIR could measure this Gap.
How fully AIR could measure both sides of the Discovery Gap: the documented progress (News flow) and market attention (Recognition). It takes the weaker of the two, and reads zero when either side has no measurement. It describes the data, not the company.
Evidence strengthWhat is this?HideModerate 53/100Support behind the full AIR read, not only the Gap.
How much data stands behind the whole AIR read — all five perspectives, not just the Discovery Gap. Each perspective reports how complete its inputs are, and these are combined in the same proportions as the AIR Score; a perspective AIR could not score adds nothing, so missing data lowers this figure. It describes the data, not the company.

This month at a glance

AIR Score™ change: 0AIR Score™ held steady this month.

Window29 Sep 2026 → 30 Oct 2026

MoversNothing moved meaningfully this month.

Evidence timeline

Expected
Fri 30 Oct · expected 10-Q
Last year filed 30 Oct 2025.
Thu 25 Feb · expected 10-K
Last year filed 25 Feb 2026.
Filed
Tue 20 Oct · 8-K
8-K · Item 2.02 — Results of operations
Ally Financial reported Q3 2026 results with GAAP EPS of $1.30 (up 10% YoY) and adjusted EPS of $1.34 (up 16% YoY). Pre-tax income rose 11% YoY to $567M. Consumer auto originations grew 10% to $12.9B with record 4.8M applications. Core ROTCE improved 80 bps to 13.1%.
Gap Low · 5 → Medium · 18
Progress is running ahead of attention.
Wed 7 Oct · 8-K
8-K filed 2026-10-07
Wed 16 Sep · 8-K
8-K · Item 8.01 — Other events
Thu 23 Jul · 10-Q
Quarterly report (10-Q), period ending 21 Jul 2026
Tue 21 Jul · 8-K
8-K · Item 2.02 — Results of operations
Wed 20 May · 8-K
8-K filed 2026-05-20
Fri 8 May · 8-K
8-K · Item 5.02 — Director or officer change
Tue 5 May · 10-Q
Quarterly report (10-Q), period ending 1 May 2026
Fri 1 May · 8-K
8-K · Items 3.03, 8.01 — Change to shareholder rights
Mon 27 Apr · 8-K
8-K · Item 8.01 — Other events
Fri 17 Apr · 8-K
8-K · Item 2.02 — Results of operations
Wed 25 Feb · 10-K
Annual report (10-K), FY2026
Wed 21 Jan · 8-K
8-K · Item 2.02 — Results of operations
Wed 10 Dec · 8-K
8-K · Item 8.01 — Other events
Tue 9 Dec · 8-K
8-K · Item 5.02 — Director or officer change
Thu 30 Oct · 10-Q
Quarterly report (10-Q), period ending 28 Oct 2025
Fri 17 Oct · 8-K
8-K · Item 2.02 — Results of operations

Solid dots: a filing AIR classified as material. Grey: routine. Hollow: expected, from last year's dates — not a forecast.

Ask AIR

What would change our view

A weaker balance sheet in the next filing cycle, a material regulatory setback, or a new evidence cluster that re-opens a distance between filings and attention would move the score, and the page would show which one did.

Research, not tips. No buy/sell recommendations, no price forecasts. Every score is derived from public filings and market data — figures round to whole numbers and refresh each trading day.