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Ally Financial (ALLY) investor relations material
Ally Financial Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary17 Oct, 2025
Executive summary
Adjusted EPS rose 166% year-over-year to $1.15, with GAAP EPS at $1.18 and net income attributable to common shareholders at $371 million, more than double the prior year quarter.
Core ROTCE reached 15.3%, up 145% year-over-year, and return on common equity was 11.9%.
Record auto finance application volume led to $11.7 billion in consumer originations, up $2.3 billion year-over-year.
Digital Bank balances reached $142 billion, serving 3.4 million customers, with deposits representing nearly 90% of total funding.
The sale of the Credit Card business and exit from mortgage originations impacted year-over-year comparisons.
Financial highlights
Adjusted net revenue was $2.2 billion, up 3% year-over-year; GAAP net revenue was $2.2 billion, up 2%.
Net interest margin (NIM) excluding OID was 3.55%, up 10 bps quarter-over-quarter and 23 bps year-over-year.
Provision for credit losses decreased $230 million year-over-year to $415 million, reflecting credit normalization and the benefit from the Credit Card sale.
Noninterest expense was $1.2 billion, up $15 million year-over-year, with increases mainly from goodwill impairment and higher insurance losses.
CET1 ratio was 10.1%, representing $4.5 billion excess capital above regulatory minimum.
Outlook and guidance
NIM expected to remain roughly flat in Q4 and migrate to the upper 3% range over time, influenced by Fed rate cuts.
Full-year net charge-offs (NCOs) expected at approximately 2% for retail auto and 1.3% consolidated.
Average earning assets and adjusted noninterest expense expected to be flat year-over-year.
Full-year effective tax rate projected at approximately 22%.
Management expects continued focus on digital banking and automotive finance, with ongoing runoff of the consumer mortgage portfolio.
Future credit risk transfer plans?
Retail deposit growth strategy effectiveness?
Auto finance revenue mix shift?
What differentiates Ally's credit performance?
Triggers for resuming share repurchases?
Describe Ally's future business mix evolution.
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Next Ally Financial earnings date
The BancAnalysts Association of Boston Conference7 Nov, 2025
Next Ally Financial earnings date
The BancAnalysts Association of Boston Conference7 Nov, 2025
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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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