Ally Financial Inc. (ALLY)周四盘前股价一度大跌超5%,随后跌幅有所收窄。公司第三季度财报显示,在高通胀经济环境下,其贷款质量恶化的压力日益增大。
数据显示,Ally第三季度信贷损失准备金高达6.45亿美元,与去年同期相比大幅增加,反映了中端贷款违约或坏账贷款增多。该公司的整体净扣款率从去年同期的1.31%攀升至1.50%,零售汽车拖欠率也从3.85%上升至4.51%。
虽然公司当季调整后每股收益为95美分,略高于去年同期的83美分,但财报数据远未能完全消除市场对其前景的担忧。由于借款人在高通胀环境下收入承压,Ally早已预警其第三季度信贷挑战加剧,这对其股价构成不利影响。
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