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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Ally Financial
Ally Financial (ALLY) investor relations material
Ally Financial The BancAnalysts Association of Boston Conference 2026 summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.The BancAnalysts Association of Boston Conference 2026 summary5 Nov, 2026
Focused Forward strategy
Launched at the start of 2025, Focused Forward is supporting growth across auto finance, corporate finance and the retail bank, alongside higher profitability and resilience.
Q3 pre-tax income and ROE rose versus Q3 two years earlier, supported by NIM expansion, higher other revenue, lower retail loan net charge-offs and expense discipline.
Resilience has improved through higher capital, stronger earnings-based capital generation, reduced credit exposure after card and point-of-sale divestitures, and lower interest-rate risk.
Mid-teens return remains the goal; management sees further runway after recent progress.
Credit performance and outlook
Retail auto net charge-offs are tracking near the midpoint of the 1.8%–2% FY guide; credit trends have developed as expected through November.
2026 full-year originations are expected to resemble 2025, with a low-to-mid-40s S-tier mix; Q1 2026 was richer in both yield and credit, while Q2 was tighter.
Delinquencies are higher, but lower flow to loss indicates consumers are moving between delinquency buckets; servicing improvements are helping manage credit.
Weekly, granular underwriting adjustments aim to keep full-year vintages aligned with risk appetite and improve risk-adjusted returns.
Net interest margin and lease outlook
Management expects continued NIM expansion toward the high-3% range, led by growth in higher-margin auto and corporate finance assets and runoff of mortgage loans and older, lower-yield securities.
In a rising-rate cycle, floating-rate commercial assets and hedges respond first; deposit repricing follows over several quarters, with a 60%–70% deposit beta, while auto loan yields typically have an ~80% Fed funds beta.
Lease losses pressured NIM in 2026, mainly on vehicles affected by Stellantis recalls; the broader lease book generated gains and performed well.
Lease headwinds are expected to ease through 2027 and become immaterial in H2, as returns shift toward more diversified OEMs and vehicles with residual-value protection.
Q3 core return on tangible common equity was 13% despite the lease-loss headwind.
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Latest events from Ally Financial
- Adjusted EPS rose 16% as growth lifted returns despite higher credit provisions.ALLY
Q3 2026 - Profitability, NIM, and growth targets remain strong amid disciplined risk and expense management.ALLYBarclays 24th Annual Global Financial Services Conference
- EPS and net income rose, with strong auto, insurance, and capital growth amid resilient credit.ALLYQ2 2026
- All management proposals passed, while the shareholder special meeting threshold proposal failed.ALLYAGM 2026
- Strategic focus and operational momentum drive record growth, improved returns, and strong outlook.ALLYMorgan Stanley US Financials Conference 2026
- Focused strategy, digital innovation, and deep relationships drive growth and durable returns.ALLYBernstein 42nd Annual Strategic Decisions Conference
- Focused execution and disciplined growth drive strong returns, margin expansion, and buyback confidence.ALLYGoldman Sachs U.S. Financial Services Conference
- GAAP EPS up 68% year over year, net income and NIM ex. OID both saw strong growth.ALLYQ2 2025
- Adjusted EPS was $0.97 as NIM and capital improved, but credit losses and expenses rose.ALLYQ2 2024
Next Ally Financial earnings date
Q4 202620 Jan, 2027
Ally Financial
Next Ally Financial earnings date
Q4 202620 Jan, 2027
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Frequently asked questions
An Entirely Online Bank
Ally Financial Inc. is an entirely digital financial services company that specializes in online banking, auto finance, home loans, investing, and other financial products. The Michigan-based company was originally established in 1919 as the General Motors Acceptance Corporation (GMAC) and served as the auto financing division of General Motors (GM). Over the years, Ally Financial has significantly expanded its services and customer base, evolving into one of the largest digital financial services companies in the United States.
GMAC to Ally Financial: A Century-Long Evolution
The company's history goes back over a century when it was founded as GMAC, offering auto financing for GM vehicles. The company then grew throughout the years, both organically as well as through a series of mergers and acquisitions. After weathering the 2008 financial crisis and receiving a government bailout, GMAC underwent significant restructuring and rebranded to Ally Financial in 2010. Today, Ally is well-established and competes with large and traditional banks such as Citi, Capital One, and many others.
Operating Entirely Online
Ally Financial operates as an entirely online bank, taking a digital-first approach to providing financial services. It offers a variety of products such as online savings accounts, checking accounts, auto loans, mortgages, and a range of investment options. Ally's digital model allows it to reduce operational costs associated with physical branches, savings which are often passed onto customers in the form of competitive rates and fewer fees. The bank prides itself on a user-friendly interface and robust customer service.
The Services
The company has a host of various services and products it provides for customers. It offers online banking services, which include high-yield savings accounts, interest-bearing checking accounts, mortgage services, and more. Its banking services are known for competitive rates, given the lower overhead costs of operating as an online bank.
In addition to banking services, Ally also provides auto financing options, helping customers with loans for new and used vehicles as well as offering vehicle leasing options. Ally is one of the largest automotive finance providers in the U.S., working closely with a broad network of auto dealers.