Record Earnings Growth and …

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• Adjusted EPS: Up 166% year-over-year to $1.15 per share.

• Core ROTCE: 15% on a headline basis, approximately 12% excluding AOCI impact.

• Adjusted Net Revenue: $2.2 billion, up 3% year-over-year; 9% growth excluding the sale of the credit card business.

• Net Interest Margin (NIM): 3.55%, up 10 basis points quarter-over-quarter.

• CET1 Ratio: 10.1%, equating to $4.5 billion of excess capital above regulatory minimum.

• Consumer Originations: $11.7 billion in auto finance, driven by 4 million applications.

• Originated Yield: 9.7% with 42% from highest credit quality tier.

• Corporate Finance ROE: 30% with 10% growth in the loan portfolio.

• Digital Bank Balances: $142 billion, serving 3.4 million customers.

• Net Financing Revenue: $1.6 billion, up approximately 4% year-over-year.

• Provision Expense: $415 million, down approximately 36% year-over-year.

• Retail Auto NCO Rate: 1.88%, down 36 basis points year-over-year.

• Noninterest Expense: $1.2 billion, down $22 million sequentially.

• Adjusted Tangible Book Value Per Share: $39, up over 11% from the prior year.

• Consolidated Net Charge-Off Rate: 118 basis points, a decline of 32 basis points year-over-year.

• Insurance Written Premiums: $385 million, up $1 million year-over-year.

• Corporate Finance Net Revenues: $136 million, up $9 million quarter-over-quarter.

Release Date: October 17, 2025

For the complete transcript of the earnings call, please refer to the full earnings call transcript.

• Ally Financial Inc (NYSE:ALLY) reported a significant year-over-year earnings growth with adjusted EPS up 166% to $1.15 per share.

• Net interest margin expanded to 3.55%, up 10 basis points quarter-over-quarter, indicating effective balance sheet optimization.

• The company achieved a CET1 ratio of 10.1%, equating to $4.5 billion of excess capital above regulatory minimums.

• Ally Financial Inc (NYSE:ALLY) saw record application volume in its auto finance business, with consumer originations reaching $11.7 billion.

• The digital bank segment ended the quarter with $142 billion in balances, reinforcing its position as the largest all-digital bank in the US.

• The sale of the credit card business earlier in the year impacted year-over-year revenue comparisons.

• Noninterest expense increased by $15 million compared to the prior year, driven by nonrecurring benefits recorded in the third quarter of 2024.

• The retail auto net charge-off rate increased by 13 basis points sequentially due to seasonal trends.

• The company faces macroeconomic uncertainties, including potential weakening in the employment picture.

• There is increased competition in the auto finance market, which could impact future growth and margins.