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Ally Financial
Ally Financial (ALLY) investor relations material
Ally Financial Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary21 Jan, 2026
Executive summary
Adjusted EPS for 2025 was $3.81, up 62% year-over-year, with net income attributable to common shareholders rising to $742 million from $558 million in 2024.
Strategic focus on core businesses included the sale of Credit Card, cessation of mortgage originations, and growth in retail auto and corporate finance loans, up over 5% year-over-year.
Announced a $2 billion open-ended share repurchase authorization, resuming buybacks with a disciplined approach.
Record consumer auto applications (15.5 million) and $43.7 billion in consumer auto originations for the year.
Exited non-core businesses, optimized investment securities, and maintained expense discipline, reducing controllable expenses by 1%.
Financial highlights
Adjusted net revenue reached $8.5 billion, up 3% year-over-year; GAAP net revenue was $7.9 billion.
Net financing revenue for 2025 was $6.2 billion, up $162 million year-over-year; Q4 net financing revenue was $1.6 billion, up $89 million year-over-year.
Net interest margin (excluding OID) for 2025 was 3.47%; Q4 NIM was 3.48%.
Adjusted tangible book value per share ended at $40.38, up from $34.04 in 2024.
Adjusted efficiency ratio for 2025 was 51.9%, improved from 54.1% in 2024.
Outlook and guidance
2026 guidance projects net interest margin (ex. OID) of 3.6%-3.7% and mid-single digit growth in retail auto and corporate finance.
Retail auto net charge-offs forecasted at 1.8%-2.0%; consolidated NCO at 1.2%-1.4%.
Adjusted noninterest expense expected to rise about 1% in 2026, with investments in AI, cyber, and customer experience.
Effective tax rate expected between 20% and 22%.
Average earning assets projected to grow 2%-4%.
Quantify net financial impact of recent divestitures
Reconcile auto finance profit decline vs. origination growth
How is deposit cost declining with customer growth?
What drives NIM acceleration after Q1 2026?
What factors influence retail auto reserve levels?
Pacing of buybacks to 9% CET1 target
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Next Ally Financial earnings date
Q1 202616 Apr, 2026
Ally Financial
Next Ally Financial earnings date
Q1 202616 Apr, 2026
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Frequently asked questions
An Entirely Online Bank
Ally Financial Inc. is an entirely digital financial services company that specializes in online banking, auto finance, home loans, investing, and other financial products. The Michigan-based company was originally established in 1919 as the General Motors Acceptance Corporation (GMAC) and served as the auto financing division of General Motors (GM). Over the years, Ally Financial has significantly expanded its services and customer base, evolving into one of the largest digital financial services companies in the United States.
GMAC to Ally Financial: A Century-Long Evolution
The company's history goes back over a century when it was founded as GMAC, offering auto financing for GM vehicles. The company then grew throughout the years, both organically as well as through a series of mergers and acquisitions. After weathering the 2008 financial crisis and receiving a government bailout, GMAC underwent significant restructuring and rebranded to Ally Financial in 2010. Today, Ally is well-established and competes with large and traditional banks such as Citi, Capital One, and many others.
Operating Entirely Online
Ally Financial operates as an entirely online bank, taking a digital-first approach to providing financial services. It offers a variety of products such as online savings accounts, checking accounts, auto loans, mortgages, and a range of investment options. Ally's digital model allows it to reduce operational costs associated with physical branches, savings which are often passed onto customers in the form of competitive rates and fewer fees. The bank prides itself on a user-friendly interface and robust customer service.
The Services
The company has a host of various services and products it provides for customers. It offers online banking services, which include high-yield savings accounts, interest-bearing checking accounts, mortgage services, and more. Its banking services are known for competitive rates, given the lower overhead costs of operating as an online bank.
In addition to banking services, Ally also provides auto financing options, helping customers with loans for new and used vehicles as well as offering vehicle leasing options. Ally is one of the largest automotive finance providers in the U.S., working closely with a broad network of auto dealers.
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