Ally Financial (ALLY) investor relations material

Strategic progress and financial performance

• Executed a strategic pivot to focus on Dealer Financial Services, Corporate Finance, and deposits, exiting non-core businesses and driving improved earnings and returns.

• Earnings per share rose 62% year-over-year, with ROE up 300 basis points in 2025 and further improvement expected in 2026.

• Operational growth includes record auto application growth, significant portfolio expansion in Corporate Finance, and deposit customer growth outpacing industry trends.

• Enhanced capital levels, reduced risk and complexity, and initiated share buybacks.

• Confident in continued accretive growth, improved returns, and meaningful capital return to shareholders.

Corporate Finance business highlights

• Corporate Finance delivered $365 million in pre-tax income last year with an ROE near 30%, and a long-term average ROE of 25%.

• Portfolio growth of 26% over the past year, with a focus on first-out, senior-secured floating rate lending and deep institutional relationships.

• Private credit represents nearly half the portfolio, with conservative advance rates and strong risk controls.

• Specialty finance includes healthcare real estate, tech finance, and a new energy and infrastructure vertical.

• Non-accrual loans are well under 1%, with over 80% of loans now asset-based, supporting strong credit performance.

Dealer Financial Services and insurance integration

• Achieved record application flow and origination volume, with application flow up 16% year-to-date and origination volume up $1.3 billion in Q1.

• Differentiation through full-spectrum lending, strong dealer relationships, and a comprehensive suite of lending and insurance products.

• Largest vehicle inventory insurer in the U.S., with high demand for remarketing services like SmartAuction.

• Integration of auto finance and insurance under one leadership has driven coordinated growth and operational focus.

• Data-driven underwriting and servicing enhancements have improved risk management and operational efficiency.