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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Ally Financial
Ally Financial (ALLY) investor relations material
Ally Financial Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary20 Oct, 2026
Executive summary
Q3 GAAP net income attributable to common shareholders was $401M; adjusted EPS was $1.34, up 16% YoY, and core ROTCE was 13.1%.
Adjusted total net revenue was $2.346B, up $189M YoY; results reflected auto and deposit growth alongside CECL reserve builds tied to asset growth.
Priorities include profitable, high-quality growth, disciplined credit and expenses, strong capital, and shareholder returns, with focus on progressing toward mid-teens returns.
Over two years, retail auto and Corporate Finance assets grew nearly 15%, core ROTCE rose from 5% to 13%, and retail NCOs declined by more than 30 bps.
Financial highlights
GAAP net revenue was $2.332B; adjusted net revenue was $2.346B. Net financing revenue was $1.748B, up $164M YoY; adjusted other revenue was $579M, up $22M.
GAAP EPS was $1.30 versus $1.18 YoY; adjusted EPS was $1.34 versus $1.15 YoY.
Provision for credit losses was $529M, up $114M YoY; consolidated net charge-offs were $394M.
Adjusted non-interest expense was $1.236B, down $4M YoY; the adjusted efficiency ratio improved to 45.7% from 50.0%.
GAAP pre-tax income was $567M, up 11% YoY; core pre-tax income was $581M, up 16% YoY.
Outlook and guidance
2026 NIM excluding OID guidance was raised to 3.65%; Q4 NIM is expected at ~3.7%, with a medium-term target in the upper 3s.
Adjusted other revenue is expected to rise 2%–4%; adjusted non-interest expense is expected flat to up 1%.
Average earning asset growth guidance rose to 5%–6% YoY from 3%–5%, with growth entailing upfront CECL reserve build.
Retail Auto NCO guidance remained 1.8%–2.0%, tracking toward the midpoint; consolidated NCO guidance remained 1.2%–1.3%, tracking toward the low end.
Tax rate guidance remained 20%–22%; management expected to achieve or exceed all aspects of the January guide.
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Latest events from Ally Financial
- Profitability, NIM, and growth targets remain strong amid disciplined risk and expense management.ALLY
Barclays 24th Annual Global Financial Services Conference - EPS and net income rose, with strong auto, insurance, and capital growth amid resilient credit.ALLYQ2 2026
- All management proposals passed, while the shareholder special meeting threshold proposal failed.ALLYAGM 2026
- Strategic focus and operational momentum drive record growth, improved returns, and strong outlook.ALLYMorgan Stanley US Financials Conference 2026
- Focused strategy, digital innovation, and deep relationships drive growth and durable returns.ALLYBernstein 42nd Annual Strategic Decisions Conference
- Adjusted EPS up 90% YoY, net income rebounded, and auto originations surged.ALLYQ1 2026
- Focused execution and disciplined growth drive strong returns, margin expansion, and buyback confidence.ALLYGoldman Sachs U.S. Financial Services Conference
- GAAP EPS up 68% year over year, net income and NIM ex. OID both saw strong growth.ALLYQ2 2025
- Adjusted EPS was $0.97 as NIM and capital improved, but credit losses and expenses rose.ALLYQ2 2024
Next Ally Financial earnings date
The BancAnalysts Association of Boston Conference 20265 Nov, 2026
Ally Financial
Next Ally Financial earnings date
The BancAnalysts Association of Boston Conference 20265 Nov, 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.