Inferra AI / Company / ALLY
Ally Financial Inc.
ALLY · Financials
Last earnings Oct 20, 2026
Key results
EPSquarter
11.9%
htm EX-99.1 EX-99.1 Exhibit 99.1 News release: IMMEDIATE RELEASE Ally Financial Reports Third Quarter 2025 Financial Results $1.18 11.9% $513 million $2.2 billion GAAP EPS RETURN ON COMMON EQUITY PRE-TAX INCOME GAAP TOTAL NET REVENUE $1.15 15.3% $502 million $2.2 billion ADJUSTED EPS 1 CORE ROTCE 1 CORE PRE-TAX INCOME 1 ADJUSTED TOTAL NET REVENUE 1 FINANCIAL HIGHLIGHTS GAAP EPS of $1.18 and Adjusted EPS of $1.15, up 116% and 166% year over year, respectively GAAP Pre-tax income of $513 million, up $248 million year over year.
SEC original ↗Ally Financial Inc. — Earnings release (8-K exhibit)EX-99Oct 17, 2025
GAAP TOTAL NET revenuequarter
$1.15
htm EX-99.1 EX-99.1 Exhibit 99.1 News release: IMMEDIATE RELEASE Ally Financial Reports Third Quarter 2025 Financial Results $1.18 11.9% $513 million $2.2 billion GAAP EPS RETURN ON COMMON EQUITY PRE-TAX INCOME GAAP TOTAL NET REVENUE $1.15 15.3% $502 million $2.2 billion ADJUSTED EPS 1 CORE ROTCE 1 CORE PRE-TAX INCOME 1 ADJUSTED TOTAL NET REVENUE 1 FINANCIAL HIGHLIGHTS GAAP EPS of $1.18 and Adjusted EPS of $1.15, up 116% and 166% year over year, respectively GAAP Pre-tax income of $513 million, up $248 million year over year.
SEC original ↗Ally Financial Inc. — Earnings release (8-K exhibit)EX-99Oct 17, 2025
Net incomequarter
$371 million
Discussion of Third Quarter 2025 Results Net income attributable to common shareholders was $371 million in the quarter, compared to $171 million in the third quarter of 2024.
SEC original ↗Ally Financial Inc. — Earnings release (8-K exhibit)EX-99Oct 17, 2025
Revenuequarter
$1.6 billion
Net financing revenue was $1.6 billion, up $64 million year over year.
SEC original ↗Ally Financial Inc. — Earnings release (8-K exhibit)EX-99Oct 17, 2025
Growthquarter
up $64 million
Net financing revenue was $1.6 billion, up $64 million year over year.
SEC original ↗Ally Financial Inc. — Earnings release (8-K exhibit)EX-99Oct 17, 2025
Other revenuequarter
$584 million
Other revenue decreased $31 million year over year to $584 million including a $27 million increase in fair value of equity securities in the quarter compared to a $59 million increase in the third quarter of 2024.
SEC original ↗Ally Financial Inc. — Earnings release (8-K exhibit)EX-99Oct 17, 2025
Adjusted other revenue A of $557 million increased $1 million year over year as the removal of fee-related income due to the sale of Credit Card and the wind-down of the consumer mortgage portfolio was offset by momentum across diversified revenue streams including Insurance, SmartAuction, Passthrough programs, and higher realized investment gains.
SEC original ↗Ally Financial Inc. — Earnings release (8-K exhibit)EX-99Oct 17, 2025
Net financing revenue of $1.3 billion was down $54 million year over year, primarily driven by lower lease gains and lower commercial assets.
SEC original ↗Ally Financial Inc. — Earnings release (8-K exhibit)EX-99Oct 17, 2025
3 Discussion of Segment Results Corporate Finance Pre-tax income of $95 million was down $10 million year over year driven by lower other revenue.
SEC original ↗Ally Financial Inc. — Earnings release (8-K exhibit)EX-99Oct 17, 2025
Net financing revenue of $111 million was up $2 million year over year driven by higher earning assets.
SEC original ↗Ally Financial Inc. — Earnings release (8-K exhibit)EX-99Oct 17, 2025
AI analysis
Q3 2025 · reported Oct 17, 2025
Based on: Earnings release + Q3 2025 deck + parent 8-K + 10-Q — transcript not held
Headline figures
| Metric | Q3 2025 | Prior qtr | Year ago |
|---|---|---|---|
| EPS | 11.9% | — | — |
| GAAP TOTAL NET revenue | $1.15 | — | — |
| Net income | $371 million | — | $171 million |
| Revenue | $1.6 billion | — | — |
| Growth | up $64 million | — | — |
| Other revenue | $584 million | — | — |
Guidance · company-stated
No guidance located in the held release
Capital allocation
Capital, Liquidity & Deposits Capital Ally paid a $0.30 per share quarterly common dividend, which was unchanged year over year.
Event summary
Ally Financial Inc. — Earnings release (2025-10-17)
Based on: Earnings release + Q3 2025 deck + parent 8-K + 10-Q — transcript not held
Guidance & outlook
No guidance located in the held release
Capital allocation
Capital, Liquidity & Deposits Capital Ally paid a $0.30 per share quarterly common dividend, which was unchanged year over year.
SEC original ↗Ally Financial Inc. — Earnings release (8-K exhibit)EX-99Oct 17, 2025
Ally s Board of Directors approved a $0.30 per share common dividend for the fourth quarter of 2025.
SEC original ↗Ally Financial Inc. — Earnings release (8-K exhibit)EX-99Oct 17, 2025
Ally did not repurchase any shares on the open market during the quarter.
SEC original ↗Ally Financial Inc. — Earnings release (8-K exhibit)EX-99Oct 17, 2025
Highly liquid securities were $19.9 billion and unused pledged borrowing capacity at the FHLB and FRB was $10.3 billion and $26.9 billion, respectively.
SEC original ↗Ally Financial Inc. — Earnings release (8-K exhibit)EX-99Oct 17, 2025
F Total liquidity includes cash & cash equivalents, highly liquid securities and current unused borrowing capacity at the FHLB, and FRB Discount Window.
SEC original ↗Ally Financial Inc. — Earnings release (8-K exhibit)EX-99Oct 17, 2025
(1) In the numerator of Core ROTCE, GAAP net income attributable to common shareholders is adjusted for discontinued operations net of tax, tax-effected Core OID, tax-effected repositioning and other which are primarily related to the extinguishment of high-cost legacy debt, strategic activities and significant other one-time items, change in fair value of equity securities, significant discrete tax items, and preferred stock capital actions, as applicable for respective periods.
SEC original ↗Ally Financial Inc. — Earnings release (8-K exhibit)EX-99Oct 17, 2025
Strategy & priorities
Across each of our core businesses, we are seeing the benefits of sharper strategic alignment and disciplined execution.
SEC original ↗Ally Financial Inc. — Earnings release (8-K exhibit)EX-99Oct 17, 2025
With criticized assets and non-accrual loans near historic lows, our team continues to demonstrate the disciplined risk management that guides our growth strategy.
SEC original ↗Ally Financial Inc. — Earnings release (8-K exhibit)EX-99Oct 17, 2025
Adjusted earnings per share (Adjusted EPS) is a non-GAAP financial measure that adjusts GAAP EPS for revenue and expense items that are typically strategic in nature or that management otherwise does not view as reflecting the operating performance of the company.
SEC original ↗Ally Financial Inc. — Earnings release (8-K exhibit)EX-99Oct 17, 2025
(1) In the numerator of Core ROTCE, GAAP net income attributable to common shareholders is adjusted for discontinued operations net of tax, tax-effected Core OID, tax-effected repositioning and other which are primarily related to the extinguishment of high-cost legacy debt, strategic activities and significant other one-time items, change in fair value of equity securities, significant discrete tax items, and preferred stock capital actions, as applicable for respective periods.
SEC original ↗Ally Financial Inc. — Earnings release (8-K exhibit)EX-99Oct 17, 2025
In the numerator of Adjusted Efficiency Ratio, total noninterest expense is adjusted for Rep and warrant expense, Insurance segment expense, and repositioning and other which are primarily related to the extinguishment of high-cost legacy debt, strategic activities and significant other one-time items, as applicable for respective periods.
SEC original ↗Ally Financial Inc. — Earnings release (8-K exhibit)EX-99Oct 17, 2025
Risks & headwinds
All forward-looking statements, by their nature, are subject to assumptions, risks, and uncertainties, which may change over time and many of which are beyond our control.
SEC original ↗Ally Financial Inc. — Earnings release (8-K exhibit)EX-99Oct 17, 2025
Legal Proceedings 109 Item 1A.
SEC original ↗Ally Financial Inc. — 10-Q Quarterly report10-QMay 5, 2026
In developing the estimates and assumptions, management uses all available evidence; however, actual results could differ because of uncertainties associated with estimating the amounts, timing, and likelihood of possible outcomes.
SEC original ↗Ally Financial Inc. — 10-Q Quarterly report10-QMay 5, 2026
When evaluating whether the probable-to-complete threshold is met, entities must consider whether there is significant development uncertainty associated with the software, including determining whether the software project contains technological innovations or novel, unique, or unproven functions or features.
SEC original ↗Ally Financial Inc. — 10-Q Quarterly report10-QMay 5, 2026
Earnings deck slides
0 decks with slide viewAlly Financial Inc. — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Ally Financial Inc. — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Ally Financial Inc. — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Ally Financial Inc. — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Ally Financial Inc. — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Ally Financial Inc. — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Ally Financial Inc. — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Ally Financial Inc. — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Ally Financial Inc. — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Ally Financial Inc. — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Ally Financial Inc. — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Competitors
Competitors & peers
Same GICS sector — classification peers, not declared competitors
Filings
32 documents- Q3 2026
- 8-KALLY
Oct 20, 2026
- 8-KALLY
Oct 7, 2026
- Q2 2026
- 8-KALLY
Sep 16, 2026
- 10-QALLY
Jul 23, 2026
- 8-KALLY
Jul 21, 2026
- Q1 2026
- 8-KALLY
May 20, 2026
- 8-KALLY
May 8, 2026
- 10-QALLY
May 5, 2026
- 8-KALLY
May 1, 2026
- 8-KALLY
Apr 27, 2026
- EX-99ALLY
Apr 27, 2026
- 8-KALLY
Apr 17, 2026
- Q4 2025
- 10-KALLY
Feb 25, 2026
- 8-KALLY
Jan 21, 2026
- Q3 2025
- 8-KALLY
Dec 10, 2025
- EX-99ALLY
Dec 10, 2025
- 8-KALLY
Dec 9, 2025
- 10-QALLY
Oct 30, 2025
- 8-KALLY
Oct 17, 2025
- Q2 2025
- 10-QALLY
Aug 4, 2025
- 8-KALLY
Jul 31, 2025
- 8-KALLY
Jul 28, 2025
- 8-KALLY
Jul 24, 2025
- 8-KALLY
Jul 18, 2025
- Q1 2025
- 8-KALLY
May 15, 2025
- 8-KALLY
May 8, 2025
- 10-QALLY
May 5, 2025
- 8-KALLY
Apr 17, 2025
- Q4 2024
- 8-KALLY
Mar 4, 2025
- 10-KALLY
Feb 19, 2025
- 8-KALLY
Jan 22, 2025
- Q3 2024
- 8-KALLY
Dec 5, 2024
Earnings releases
14 documentsPresentations
11 documents
Transcripts
0 documentsNo transcripts for Ally Financial Inc. are held in this edition of the library.
See also the earnings calendar for every tracked company’s next earnings date.