ALLY

Zombie-Lenin

I just kidnapped the president of Venezuela and declared myself the colonial masters of the country! If they don't agree I will INVADE. GREENLAND, which has been an integrated part of Denmark since 1700 BELONGS TO THE UNITED STATES NOW, and I WILL NOT RULE OUT INVADING A NATO ALLY STATE TO TAKE IT! By the way, why haven't these losers given me a Nobel Peace Prize?

Square_Exam_780

Puts on ALLY for a silver play - yay or nay?

sharkykid

At a macro level, let me explain the thesis you seem to be missing: \> Economy gets fucked \> Consumers have less discretionary income \> Companies return on ad spend plummets \> META, GOOGL revenue plummets and first thing to go is CAPEX (read, GPU spend) \> NVIDIA revises forecasts down all of a sudden your forward P/Es don't look so reasonable. There's a reason FPE is forward and not realized, that's the threat Anyways, I'm not retarded enough to buy NVDA puts (COF, ALLY, MGM, LUV puts are very on the table though) but your prices are not extreme theory misses the primary threat vector

Any-Morning4303

I was seriously thinking about playing bearish spreads. I was going to see how next weeks works out and then place deep deep 25% to 35% bear spreads on TSLA NVDA SHM ALLY SPY QQQ RKT PLTR. All going out about 9 months. Between all the crazy can’t imagine most not working out.

Ok_Cry7572

Buffet is not always right for those entering GOOGL. He currently down on some positions: Down 23% on Pool Down 3.3% on ALLY Down 8.6% on DPZ Down 23% on UNH Down 39% on STZ Down 19% on SIRI Down 68% on KHC Down 16% on OXY

Naillimixam48

lol ALLY is ass buddy

Independent-Cress382

Have you seen the subprime auto lenders getting destroyed in the last 6 months? I wouldn't touch ALLY with a 10 ft pole

CycleApprehensive539

So PUTS on ALLY and KMX?

Any-Morning4303

Oh yeah it’s definitely gonna begin late December or early January. It won’t be just AI. I’m thinking puts on PLTR TLSA RKT ALLY. I’m also long gold and silver miners.

iXiigma

ALLY Rocket?

Glum-Wealth-6171

Soo ALLY crushed earnings... guess this means the whole bad loans/credit theory is dead. What's next bears?

JoeyVottoS

Also ALLY reported this AM and they are up 6.5% Regionals seem fine

Glum-Wealth-6171

Well fuck ALLY you ruined my day....but I should have known better to bet against the CVNA mafia.

RoloBoat

Pretty sure ALLY had some major exposure to tricolor ABS but I forgot to buy puts, their earnings will likely cause the market to dump further.

pootenanner

I kinda like you guys. ALLY Bank is massively exposed to carvanas subprime auto loans. Hint

shortfinal

I'm short 100 ALLY $35 MAR 20 at $2.30 i'm on my knees beggin for a payday

fuzz11

Worth noting that ALLY holds a lot of the debt for CVNA. I’m short both

snowdogdb

Do you think ALLY will make a big move in either direction. Seems like a Condor that is ITM with the stock less than +/- 8% is a good play. Am I missing anything?

kus_rabbak

Am thinking of ALLY puts... *Auto loan defaults in the United States are reaching crisis levels in 2025, with delinquency rates surpassing those seen during the Great Recession and repossessions hitting their highest numbers since 2009. The surge is driven by a combination of high vehicle prices, elevated interest rates, and increasing household financial strain, affecting not just subprime borrowers but also prime borrowers.* * *The overall 60+ day delinquency rate reached 1.38% in the first quarter of 2025, exceeding the 1.33% peak recorded in 2009.* * *Subprime delinquencies hit a record 6.6% in January 2025, the highest since tracking began in 1994.* * *The 90+ day delinquency rate stood at 4.99% as of June 2025, a significant increase from 4.41% in March 2024.* * *Auto loan defaults exceeded 2.3 million in 2024, surpassing recession-era peaks, and repossessions reached 1.73 million, the highest since 2009.* * *The total outstanding auto loan debt in the U.S. has now surpassed $1.66 trillion, with average monthly payments for new cars exceeding $750.* * *Factors contributing to the crisis include pandemic-era lending practices, rising costs for insurance (up 54.4% since 2020) and repairs (up 33% since 2020), and the end of pandemic-era financial relief programs.* * *The Consumer Federation of America has described the auto finance situation as being "at breaking point," warning of broader economic risks.*

Chuck_Ponzi

**Here's some Private Credit porn mate, a PC snff flic:** **Beneath the surface of what’s been a remarkably resilient US economy, a series of small shocks in the world of private credit have combined to rock companies that service the most financially vulnerable Americans.** **Auto lender** [**Ally Financial Inc.**](https://www.bloomberg.com/quote/ALLY:US) **tumbled 13% during a nine-day losing streak. Fintech lenders** [**Upstart Holdings Inc.**](https://www.bloomberg.com/quote/UPST:US) **and** [**Pagaya Technologies Ltd.**](https://www.bloomberg.com/quote/PGY:US) **sank more than 20% in the same span. Digital payments company** [**Affirm Holdings**](https://www.bloomberg.com/quote/AFRM:US) **and lender** [**Bread Financial Holdings Inc.**](https://www.bloomberg.com/quote/BFH:US) **suffered similar fates. Even** [**Capital One Financial Corp.**](https://www.bloomberg.com/quote/COF:US)**, one of the nation’s largest credit card issuers, lost 7%.**

Revolutionary_spam

Can someone help me understand why CVNA is up today and analyst are increasing projections when ALLY bank who underwrites their loans is getting crushed since the Tricolor default, and layoffs continue to mount which I’m assuming would impact the used car buyer since if you’re using Carvana you’re likely both poor and stupid?

One_Investigator_268

Load up on $ALLY puts and wait for it to go insolvent

Yin-Hei

$ALLY wtf

Beautiful_Attorney18

I’m not super knowledgeable in online trading platforms and their performance. I don’t own any. I did review a bit of BULL, HOOD, ALLY, and IBKR. They don’t compare very well, I know, but this was the best I could come up with. The low margins from BULL worry me some. Unfortunately, I couldn’t pull their earnings and balance sheet. I would like to have a better grasp of their share stats(are they selling shares?), and their revenue growth, etc. But honestly, my first look doesn’t drive a desire to purchase. I might be wrong. Is their revenue or customer base growing exponentially? Great topic for discussion.

CathyBikesBook

Been looking at chime but like $ALLY and $SOFI better for FinTech. I have a position in SOFI, but haven't started a position in ALLY yet.

floo82

No? I made a play and talked about it here, Sofi from 10 to 12 then 17 to 21, with bull from 12.50 after the warrants expired to at least 15, and +5% on ALLY. hit my targets and sold and I don't look back or fomo back in

looool_k_libtard

“POWELL HIT WITH CRIMINAL REFERRAL BY HOUSE GOP 🥭 ALLY”. Welp, figured this was coming. More lying by this mouth breathing degenerate to try and push out JPOW.

shwarma_heaven

I would add ALLY and STLA. Calls on MTW.

aimhigh1941

Thoughts on ALLY?

DakotahJay

What the hell you have against ALLY

Traditional-Year3847

Calls on UAL, PEP, IBKR. Puts on ALLY (fuck you ally)

DakotahJay

Heres what I'm placing this week: **CALLS:** NFLX TSM GS WAL ALLY AA

CathyBikesBook

Waiting for a pullback. Compared to $ALLY, I think $SOFI has more room to run Kicking myself for not buying when it went down to $14 a few weeks ago

CathyBikesBook

Personally, I prefer brick and mortar banking to online banking. I like being able to go into a branch. Online banking is convenient, but that convenience comes at a cost. As far as the stock for brick and mortar vs Fintech banks, many brick and mortar bank stocks are part of broad ETFs or you can buy the individual stock. Across my portfolios I have some brick and mortar stocks that are part of ETFs ( SCHD and VOO both have financial stocks in them) and I have a position in a dividend paying brick and mortar stock. SOFI just went up to $20 per share so I may have missed the boat on that one, but I'm also looking at $ALLY, $PYPL for the Fintech stocks.

DepressedChargersFan

Invest every time people are panicking. It’s the Warren buffet strategy but I swear every time an established stock drops I scoop up as much as I can. Tyson, Rivian, tech stocks during layoffs in 2023, BAC & ALLY during the bank closings of 2024 (think that’s the right year). I only do this with a minimal amount of my portfolio but it’s such an easy way to increase gains

IPTVpwner

I'm short TSLA and a basket of companies that leverage up the financialization of less-than-prime auto loans. ALLY, CACC, CPSS, CVNA, KMX Thesis being that defaults & repos are going to continue to climb as bottom 2/3 of consumers are tapped out, and we're entering the downtrend of a cycle that peaked post-pandemic after supply chain issues caused LTVs on used cars loans to spike. None of these with puts. Some long-dated bear call spreads but mostly short shares, so I am not beholden to the calendar. I'll hold these for a year if need-be, which it might require. Only Ally pays a dvidend, but that one is a short-term hold depending on earnings. Carvana has dumped a ton of bad paper on them that has not yet come out in the wash. p.s. I think you're wrong about RIG. Huge moat, literally and figuratively, and technicals say the offshore oil services sector is coming off a bottom. Research how much one of their rigs costs to manufacture, and what the lead time and order book looks like for new rigs. What day rate and coverage do they need to service their loans? If you don't know the answer to all those questions, you shouldn't be shorting it.

floo82

RDDT is trash. QS was a half fart of a meme. Buy SOFI, ALLY, BULL

ManyCommunications

When you say “Damn the heat is real out here” Then out of nowhere Charlie Kirk spawns and says “Israel?!???????? THEYRE OUR BEST ALLY”

BIGDADDYHANIN

COF maybe ALLY, COF is my pick lower PE and more room for upside imho

Same-Brilliant2014

Auto loan thing good for ALLY? 🤔

jvro1

From my bro chatgpt Ally Financial (ALLY) – major auto loan provider Santander Consumer USA (SC) – heavily focused on subprime auto lending Capital One Financial (COF) – significant auto loan exposure Wells Fargo (WFC) & Bank of America (BAC) – large indirect auto lending arms GM Financial (owned by GM) and Ford Credit (privately held but benefits GM/Ford)

IPTVpwner

Funny, I entered the weeked short both of them and ALLY, CACC, CPSS, KMX ... pretty much anything related to aggressive auto finance. They're all manipulated and they're all due for a re-rate lower as their loan losses grow and their margins shrink, which they will later this year.

Any-Morning4303

I totally see it that’s why I got huge put positions on ALLY and RKT.

Rvin16

Playing BF2 on the ROG ALLY X and this shit slaps 🔥🔥🔥

Any-Morning4303

A LOT of signs that the average consumer is way over leveraged and is about to default like a mother fucker. I don’t wanna go into it but everything’s point that we were headed there pre trump but with trump its a sure thing. I got huge put positions on ALLY and RKT. ALLY serves and owns there own auto loans and RKT services and owns most of there own mortgages, RKT owns 1 in 5 mortgages in America. Got July monthlies for both.

BACKWARDS_HIPPO

Late to the party, but here's my PB: I had just started trading options to keep myself entertained at work. I put $300 into a 'gambling' account and had some pretty easy little successes buying and selling calls on the meme stocks of the day (SPCE). I noticed that there was a pretty nasty looking virus in china, and it seemed to be spreading fast. Hospitals were being built in record time for all the new patients. I figured things might get ugly, so I bought some way OTM puts on ALLY, seeing as it had been bought up quite a bit around then. If my memory serves, I bought 30x $0.05 contracts for a total of $150. As you might figure, that nasty looking virus was COVID, and my puts expired right around the peak of fear. I sold all the way up, and netted around $8k from my $150 bet. The last options I sold were for $5.70 or something like that, 120x baggers. Like every other idiot who first discovers options, I convinced myself I was smart (not lucky) and was certain the green SPY candles was merely a dead cat bounce. I had no idea the options I was now buying were very, very expensive. After a few more wins and watching my account briefly kiss $15k, I watched those puts slowly turn to ash and my account value fade to 0. That was a hard lesson to learn.

iAmYim

I think ALLY bank

sol_beach

I us ALLY BANK for checking, savings & investing. I've moved $4MM+ through my accounts since 2008 without any problems.

sol_beach

ALLY BANK allows me to have a checking account, savings account, & investment account. I can transfer CASH between any 2 accounts in under 1 minute to execute & complete.

Spy300

>US TO CUT TARIFFS ON UK-MADE CARS TO 10%: TELEGRAPH >US-UK DEAL TO CUT BEEF TARIFFS TO `CLOSE TO ZERO': TELEGRAPH >US TO KEEP 10% RECIPROCAL TARIFFS ON UK, BIGGEST ALLY details out. Limit down

DangerStranger138

[Why Even High-Quality Financial Stocks American Express, Blackstone, and Ally Financial Plunged Today](https://www.aol.com/why-even-high-quality-financial-191343630.html) Shares of large-cap financial stocks, even [blue chip](https://www.fool.com/investing/stock-market/types-of-stocks/blue-chip-stocks/?utm_source=AolDailyFinance&utm_medium=feed&utm_campaign=article&referring_guid=83241e6e-bd67-4571-829e-4925486f7632) names such as **American Express** (NYSE: AXP), **Blackstone** (NYSE: BX), and **Ally Financial** (NYSE: ALLY), plunged on Monday, with the above three stocks falling 4.3%, 7.8%, and 5.1%, respectively, as of 2:17 p.m. ET. An ongoing tariff war, along with uncertainty regarding the Fed's independence to keep inflation in check, is roiling basically all economically sensitive stocks. In addition, the yield on the 10-year Treasury Bond actually rose today, perhaps reflecting those inflation fears. While higher rates would, in a vacuum, be somewhat beneficial to lenders like American Express and Ally Financial, a recessionary scenario could lead to lower lending activity and increased charge-offs. A recessionary scenario could also impact payment volumes over American Express' card network. While the depressed market could open up opportunities for Blackstone to deploy its $177 billion of "dry powder" cash, it could also make "exits" from existing investments more difficult, and could therefore lower its variable dividend payouts in the near term *American Express is an advertising partner of Motley Fool Money. Ally is an advertising partner of Motley Fool Money. Bill*[ ](https://www.fool.com/author/16731/)*Duberstein's and/or his clients have positions in Blackstone. The Motley Fool has positions in and recommends Blackstone.* 

onamixt

My ALLY 30 puts RIP

Dangerous-Retard

Yesterday, I was looking at either ALLY puts or UNH puts. Guess which one I picked \[ThomasEmoji\]

NeighborhoodOracle

People were saying the same thing about Biden when his administration blew up the Nordstream pipeline.. "OMG THIS IS THE END OF DEMOCRACY.. NATO MEMBER ATTACKED ESSENTIAL ENERGY INFRASTRUCTURE OF THEIR ALLY" "OMG TRUMP IS ARRESTING AND DEPORTING US CITIZENS TO EL SAVADOR FOR HAVING GANG AFFLIATIONS" On and on we go, to the next Current Crisis.

Dangerous-Retard

I've got SPY and UAL for this Thursday and some ALLY that don't expire until next Friday.

Hocari-

Puts on ALLY, rising car loan defaults. https://preview.redd.it/pslc29tvjeue1.png?width=1179&format=png&auto=webp&s=baefea7d797f098ca953229fd485a979018fede5

Waste-Skin338

Any thoughts on $ALLY?

gkdjsl

It's nice that even as he drives America into an economic and geopolitical ditch, ARE GREATEST ALLY is still getting prime time presidential attention and personalized military support and a possible bonus war with Iran

Dr-Stocktopus

Have 2 pretax work accts A vestigial pension acct that they did away with after 1-2 year but still has stuff in it. 529 for kids ALLY high-yield savings for emergency fund/cash 2x Backdoor roths 2x taxable investment accts

MyCactusTeacher

puts on ALLY

JoeChio

Which is actually insane. Here is the journey for [A SINGLE CAR PART](https://imgur.com/a/eTOTo6C). Notice how intertwined we are with our ALLY countries in producing a SINGLE part. It's no wonder the markets are tanking.

Ordinary_Basis_1599

I'm such a regard. I thought my 4/16 VIX 20c would be over 6.00 when the VIX was 26.35. It wasn't on my trading app (Ally Invest). So I sold my VIX calls at 4.00. Got them at 1.80 so nice little profit but not what I expected at all. And I'm switching to Robinhood to join you regards ALSO- ALLY INVEST is the WORST APP EVER! NEVER USE ALLY BANK FOR ANYTHING!!!!

xSAV4GE

Yeah tell us more. I'm getting 3.7 with ALLY

Raceto1million

ALLY 😋 I love the bucket feature

ironbassel

You’re a real OG if you remember ALLY $30c

Dr-Stocktopus

If you are that worried about it. Search “recession stocks” and start rotating into them. (Though the insiders did this a few weeks ago) And/or move cash into some high-interest savings (I keep my 6month emergency fund in an ALLY account at like 5% or something) I understand the concern for sure. I usually end up dropping a large portion of annual bonus into market this time of year, but may hold for now. I just emailed my fund manager to get his input.

badhombre88

I don't follow ALLY closely but taking a shot at ATM puts or calls is never a bad thing.

steveplaysguitar

Oddly enough I was buying going into the 3rd week of March after liquidating late February. Primarily silver and financials. When I got my stimmybucks? More calls(ALLY specifically with that money) J Powell did not let my dumb ass down.

FewGuess1082

ENVX ACTUALLY TO URANUS

4fingertakedown

Hmmm. This guys says 2025. From SA: I bring this up because ALLY is the bank that finances the loans underwritten by Carvana. CVNA has a “Master Purchase and Sale Agreement” with ALLY in the amount of $4 billion, which enables CVNA to sell the loans it originates to ALLY, subject to certain underwriting criteria. Given the disclosure by ALLY, it’s a good bet that a material percentage of the loans sourced from CVNA is part of the problem for ALLY. The current agreement expires on January 10, 2025. It’s also a good bet that ALLY likely will tighten the underwriting standards on the auto loans it is willing to buy from CVNA. In turn, this will adversely affect CVNA’s sales volume

Sad-Ad9636

CVNA loans are historically better than market.  ALLY isn't really integral to the model, but if they were willing to provide liquidity in 2022 no reason to stop now

CumomEileen

In Jan assuming ALLY doesn’t renew their forward flow agreement… supposedly

Cheebo2319

CVNA will start the downturn end of January 2025.  Don’t short until then. Right now CVNA has no worries if anyone defaults. They got a great deal with ALLY. Wait till that deal is up. Then we can go after this.  

ohitgoes

Most of the portfolio is sold to ALLY Financial. There was mention that default rates are rising so we expect some commentary in the next earnings call. There’s some balance sheet risk (beneficial interests in securitization?) but it’s over my head how they earn additional income from it.

ohitgoes

KMX reported pretty good earnings recently. AN set to announce tomorrow. ALLY financial also seems to be speaking overall positively. Not sure this is the earnings that does in CVNA

Rare-ish_Bird

As long as people taking out 10% car loans, ALLY will buy every f*cking one of them from CVNA, and GPU will continue to outpace every other reseller in the nation.

DoritoFritoFries

Possible ALLY pump before close? It beats earnings by 80+%, is the market rarted or something?

MyCactusTeacher

These ALLY calls are printing

AdElectrical3187

What happened to ALLY in September? That chart is a bit scary...

MyCactusTeacher

I'm a long term ALLY holder. It has some periodic big dips typically because it reports that Ameripoors can't afford their car payments anymore, and investors overreact because smaller banks spook them easily. But then it bounces back.

ykoreaa

ALLY beat by 81.30% and it's still going down 😐

ykoreaa

ALLY beat by 81.30%!

Rare-ish_Bird

I had ALLY poots yesterday...

AlfrescoDog

🎰 My hunting list for today: ALLY, NFLX, and CVS. But I also have ISRG, ALV, and CCK (second priority). Either side.

ykoreaa

Today I'm rooting for ALLY over 36 and AMD over 160

Noddite

Everyone accepts CVNA is faking their numbers...not good to bet against a company that is using fake numbers in the short term. But I do have some ALLY puts already.

Bicambooblechi

ALLY nah. Car loans going sour.

Educational_Tea_9929

Well I'm regarded sometimes, so I'm playing earnings with calls on PG, RF, and ALLY. I've also got URA and SMR calls, SMR ate shit today for me. One OTM Netflix put, because regarded. Ive also got an NVDA put that I bought at the top today, which I'm hoping to sell at open. Oh, and a single 270c 12/20 for GE...because it's fun to dream

fatuousfatwa

ALLY has a large car loan business. It’s the old GMAC. I’m buying puts on CVNA. They report loan losses in the morning.

Zexah_Art

So Puts on ALLY?

Cowslayer87773

Alex Bowman DQ'd out of the playoffs, Puts on ALLY

Rare-ish_Bird

ALLY 36p for earnings Friday

Rare-ish_Bird

CVNA is mostly an autoloan originator for ALLY now, and the margin per unit sold is mostly related to the NPV of the 10% loan securitized or sold to them, rather than traditional profit on the unit bought/sold. Its really only possible with 10 year rates above 4% because there is enough to share among the finance tiers. Other than that, billions of their debt needs to refinanced next year after the last deferral program ends. It should be trading much lower, but 

Rare-ish_Bird

They're primarily an auto loan originator for ALLY, rather than just a shitty online car company. Wait til ALLY puts back all the defaulted loans. Twil be florious.

Rare-ish_Bird

Even tho ALLY (their primary auto loan buyer) reported credit quality had deteriorated substantially, the short interest covering is still driving this POS higher.

Jaded-Awareness-6476

Calls on ALLY for earnings

Metacog_Drivel

ALLY going back to $40 soon 

Remarkable-Run-3247

ALLY's drop could be due to market conditions, earnings reports, or industry news. Even with Buffett's stake, stocks can be volatile. Check for major news, review the company's fundamentals, and decide based on your risk tolerance whether to hold or sell.

stickman07738

What people forget is that Mr. Buffett and his team has more data at their disposal than the average investor. After seeing ALLY concerns over auto loans, I realized BKR owns a number of large car dealerships and saw the trend before it was reported. Conversely, BRK recent investment in ULTA. I should have saw it coming. I normally follow the personal care suppliers and noticed [ASH reported 20% Growth ](https://investor.ashland.com/static-files/fb680b3b-26cd-49b2-b29e-6e8c3e8f4b42)this quarter in their Personal Care business unit (largest in a number of years). With BRK owning Lubrizol, another key personal care supllier, they have key information on the market. This suggests to me that P&G, L'Oreal and other big players will also be growing in the coming quarter. Typically supplier sales increase about 90 days before you see retail sales increases. I had a price target of $300 for ULTA and missed it.

Visible-Job3996

ALLY might have dropped due to recent bad news check for updates and decide whether to hold or sell based on your long-term view and tolerance for loss.