Core Viewpoint - Ally Financial (ALLY) is expected to report quarterly earnings of $1.01 per share, reflecting a 29.5% increase year-over-year, with revenues projected at $2.13 billion, a 5% increase from the previous year [1]. Earnings Estimates - The consensus EPS estimate has been revised upward by 0.4% in the last 30 days, indicating analysts' reassessment of their initial estimates [2]. - Revisions to earnings estimates are crucial indicators for predicting investor actions regarding the stock, with empirical research showing a strong correlation between earnings estimate trends and short-term stock price performance [3]. Key Financial Metrics - Analysts estimate 'Insurance premiums and service revenue earned' to be $364.22 million, a decrease of 1% year-over-year [5]. - 'Net financing revenue' is projected to reach $1.60 billion, indicating a year-over-year increase of 5.8% [5]. - 'Total other revenue' is expected to be $529.70 million, reflecting a 2.5% increase from the prior year [5]. Revenue and Income Projections - The estimated 'Total financing revenue and other interest income' is $3.42 billion, a decrease of 3.1% from the previous year [6]. - 'Other income, net of losses' is projected at $149.94 million, suggesting a decline of 10.2% year-over-year [6]. - The expected 'Net interest margin (as reported)' is 3.5%, up from 3.3% in the same quarter last year [6]. Efficiency and Asset Metrics - The consensus estimate for the 'Efficiency Ratio' is 55.9%, down from 67.1% in the same quarter last year [7]. - 'Total interest-earning assets (Average Balances)' are expected to reach $181.96 billion, slightly lower than the $182.17 billion reported in the same quarter last year [7]. Loan and Capital Ratios - Analysts forecast 'Non-performing loans (NPLs)' to be $1.22 billion, down from $1.49 billion reported in the same quarter last year [8]. - The projected 'Book value per share' is $41.78, an increase from $37.92 in the same quarter last year [8]. - The 'Total Capital Ratio' is expected to be 13.3%, slightly up from 13.2% in the same quarter last year [9]. - The 'Tier 1 Capital Ratio' is projected at 11.0%, down from 11.3% a year ago [9]. Stock Performance - Shares of Ally Financial have returned -1.7% over the past month, contrasting with the Zacks S&P 500 composite's +1.6% change, and the company holds a Zacks Rank 3 (Hold), indicating expected performance in line with the overall market [9].

Core Viewpoint - Analysts project that Ally Financial (ALLY) will report quarterly earnings of $0.78 per share, reflecting a year-over-year decline of 19.6%, while revenues are expected to reach $2.03 billion, an increase of 1.5% from the same quarter last year [1]. Earnings Projections - There has been a downward revision of 1.2% in the consensus EPS estimate over the last 30 days, indicating a collective reconsideration by analysts of their initial forecasts [2]. - Revisions to earnings projections are crucial for predicting investor behavior regarding the stock, with empirical studies showing a strong correlation between earnings estimate trends and short-term stock price performance [3]. Key Financial Metrics - Analysts estimate 'Net financing revenue' to be $1.51 billion, a year-over-year increase of 1.2% [5]. - 'Total other revenue' is projected to reach $519.32 million, reflecting a year-over-year change of 2.8% [5]. - 'Insurance premiums and service revenue earned' is expected to be $354.05 million, indicating a year-over-year increase of 3.8% [5]. - 'Gain on mortgage and automotive loans, net' is forecasted at $4.78 million, showing a significant year-over-year decline of 20.3% [6]. - 'Total financing revenue and other interest income' is expected to be $3.44 billion, a decrease of 2.7% year-over-year [6]. - 'Net interest margin (as reported)' is projected to remain at 3.3%, unchanged from the previous year [6]. Efficiency and Capital Ratios - The 'Efficiency Ratio' is anticipated to be 59.8%, down from 64.3% in the same quarter last year [7]. - 'Book value per share' is expected to reach $39.21, compared to $37.84 a year ago [7]. - 'Total interest-earning assets (Average Balances)' are projected at $183.47 billion, slightly down from $183.71 billion in the same quarter last year [8]. - 'Non-performing loans (NPLs)' are estimated at $1.24 billion, compared to $1.22 billion in the same quarter of the previous year [8]. - The consensus estimate for 'Total Capital Ratio' stands at 13.0%, up from 12.7% a year ago [9]. - 'Tier 1 Capital Ratio' is predicted to be 11.1%, slightly up from 11.0% in the same quarter last year [9]. Market Performance - Shares of Ally Financial have shown a return of +11% over the past month, outperforming the Zacks S&P 500 composite, which increased by +5% [9].