Insider Trading January 28, 2026

Ally Financial CFO Purchases $499,306 of Stock as Company Posts Q4 Beat

Russell Hutchinson increases direct holdings amid a quarter beat and mixed forward guidance

By Derek Hwang ALLY
Ally Financial CFO Purchases $499,306 of Stock as Company Posts Q4 Beat
ALLY

Ally Financial Inc. Chief Financial Officer Russell E. Hutchinson bought 11,566 shares of common stock on January 27, 2026, for a total of $499,306. The transaction raised his direct common stock holdings to 225,336 shares in addition to 6,000 shares of Series B Preferred Stock. The move comes after Ally reported fourth-quarter 2025 adjusted earnings per share of $1.09, ahead of the $1.03 consensus, while offering guidance that points to modest margin pressure and roughly steady retail auto charge-offs.

Key Points

  • Ally CFO Russell E. Hutchinson purchased 11,566 shares on January 27, 2026, for $499,306 at a weighted average price of $43.1702 per share, with trades ranging from $43.10 to $43.22.
  • After the purchase Hutchinson directly owns 225,336 common shares of Ally and 6,000 shares of Series B Preferred Stock.
  • Ally beat fourth-quarter 2025 adjusted EPS expectations with $1.09 versus a $1.03 consensus, driven by higher other revenue despite slightly lower net interest income; guidance shows a net interest margin of 3.6%-3.7% and retail auto net charge-offs of 1.8%-2.0% for the coming year.

Transaction details

Russell E. Hutchinson, Chief Financial Officer of Ally Financial Inc. (NASDAQ: ALLY), completed a purchase of 11,566 shares of the company’s common stock on January 27, 2026. The acquisition was valued at $499,306, based on a weighted average price of $43.1702 per share. Executed trades within the block ranged from $43.10 to $43.22 per share.

Following this buy, Hutchinson directly holds 225,336 shares of Ally common stock and retains 6,000 shares of Series B Preferred Stock. The filing discloses the increased common stock position without providing commentary on intent or future plans.


Company results and guidance

Ally reported fourth-quarter 2025 adjusted earnings per share of $1.09, outpacing the consensus estimate of $1.03. The company attributed the outperformance primarily to higher other revenue, which helped to offset a slight decline in net interest income.

For the coming year, Ally offered guidance that included a net interest margin in the range of 3.6% to 3.7%, a figure modestly below the consensus estimate of 3.74%. The bank also provided a retail auto net charge-off outlook of 1.8% to 2.0%, which represents little improvement relative to the prior year’s 1.97%.


Analyst moves and corporate staffing

Following the quarter, two notable analyst actions were recorded. TD Cowen reiterated its Buy rating on Ally, maintaining a price target of $55.00. Truist Securities adjusted its price target down to $50.00 from $51.00, citing margin pressure as the reason for the reduction, while retaining a Buy rating on the shares.

In addition to the financial and market updates, Ally named Rodney Hood as a senior policy advisor to the CEO. The appointment was noted in the company’s disclosures without expanded detail on the advisory role’s scope or timeline.


Context and limitations

The insider purchase, quarterly results, forward guidance, analyst actions and advisory appointment are all drawn from company disclosures and filings. The reporting here documents the facts as presented without attributing causation or forecasting future performance.

Risks

  • Net interest margin guidance of 3.6%-3.7% is below the 3.74% consensus, indicating potential margin pressure - this affects banking and financial sectors.
  • Retail auto net charge-offs are guided at 1.8%-2.0%, showing little improvement from 1.97% the prior year, which presents credit risk to auto-lending portfolios and related consumer finance markets.
  • Analyst concern over margin pressure prompted a reduced price target from one firm, signaling potential market sensitivity to Ally’s forward earnings assumptions - this may impact investor sentiment in financial services equities.

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