Earnings summaries and quarterly performance for Ally Financial.
Executive leadership at Ally Financial.
Michael Rhodes
Detailed
Chief Executive Officer
CEO
Austin McGrath
Detailed
Chief Accounting Officer and Controller
Douglas Timmerman
Detailed
President, Dealer Financial Services
Hope Mehlman
Detailed
Chief Legal and Corporate Affairs Officer
Kathleen Patterson
Detailed
Chief Human Resources and Corporate Citizenship Officer
Russell Hutchinson
Detailed
Chief Financial Officer
Stephanie Richard
Detailed
Chief Risk Officer
Board of directors at Ally Financial.
Research analysts who have asked questions during Ally Financial earnings calls.
Sanjay Sakhrani
Keefe, Bruyette & Woods (KBW)
5 questions for ALLY
Also covers: AVDX, AXP, BFH +17 more
Jeffrey Adelson
Morgan Stanley
4 questions for ALLY
Also covers: AXP, BFH, COF +6 more
Moshe Orenbuch
TD Cowen
4 questions for ALLY
Also covers: AER, AFRM, AL +11 more
Robert Wildhack
Autonomous Research
4 questions for ALLY
Also covers: AFRM, AXP, CACC +6 more
John Pancari
Evercore ISI
3 questions for ALLY
Also covers: BFH, CFG, CMA +16 more
Ryan Nash
Goldman Sachs & Co.
3 questions for ALLY
Also covers: AXP, CFG, COF +6 more
Mark DeVries
Deutsche Bank
2 questions for ALLY
Also covers: AXP, BUR, COOP +8 more
Jon Arfstrom
RBC Capital Markets
1 question for ALLY
Also covers: ASB, BFH, BKU +24 more
Recent press releases and 8-K filings for ALLY.
Ally Financial Announces $2 Billion Buyback and Reaffirms Mid-Teens Return Target
ALLY
Share Buyback
Guidance Update
Revenue Acceleration/Inflection
- Ally Financial announced a new $2 billion buyback authorization.
- The company's adjusted earnings are up approximately 60% year-over-year, driven by flat expenses, expanding revenue, and decreasing credit losses.
- Management expressed confidence in achieving mid-teens returns by progressing Net Interest Margin (NIM) to the upper threes range, keeping auto credit losses at 2% or lower, and maintaining expense and capital discipline.
- For the fourth quarter of 2025, the company expects Net Interest Margin (NIM) to be in the upper end of its range and anticipates full-year credit losses to be slightly better than the 2% guidance.
Dec 10, 2025, 4:20 PM
Ally Financial Discusses Strategic Focus, Financial Performance, and Share Buyback
ALLY
Share Buyback
Guidance Update
Revenue Acceleration/Inflection
- Ally Financial announced a $2 billion share buyback authorization, reflecting confidence in its strategic direction and momentum.
- The company's strategic pivot to focus on core businesses, including exiting mortgage originations and selling its credit card business, has resulted in adjusted earnings up approximately 60% year-over-year.
- Ally is progressing towards its mid-teens return target, with net interest margin (NIM) on a trajectory to the upper threes and auto credit losses expected to be 2% or lower.
- Dealer Financial Services reported new lending origination up approximately 14% year-over-year, and fee-based products plus Corporate Finance contribute $2.6 billion in revenue, growing 40% since pre-COVID.
- For the fourth quarter, Ally anticipates a stable margin and expects full-year credit losses to be around 2%, with a potential for slightly better performance.
Dec 10, 2025, 4:20 PM
Ally Financial Announces $2 Billion Share Buyback and Confirms Mid-Teens Return Target
ALLY
Share Buyback
Guidance Update
Revenue Acceleration/Inflection
- Ally Financial announced a $2 billion share buyback authorization, which the CEO views as a testament to the company's momentum and confidence in its future path. The company plans to ramp up buybacks over time, prioritizing balance sheet growth and dividends first.
- The company reported strong financial momentum, with adjusted earnings up approximately 60% on a year-over-year basis so far, driven by flat expenses, expanding revenue, and decreasing credit losses. Last quarter, the return on capital was 12%, with an expected trajectory for higher returns.
- Ally expressed strong conviction in achieving mid-teens returns (implying over $6 EPS), based on its net interest margin (NIM) progressing to the upper three percent range, auto credit losses at 2% or lower, and continued expense and capital discipline. For Q4 2025, the company expects credit losses to be at or slightly below the 2% guidance.
Dec 10, 2025, 4:20 PM
Ally Financial Inc. Announces Share Repurchase Authorization
ALLY
Share Buyback
- Ally Financial Inc.'s board of directors authorized a multi-year share repurchase program for up to $2.0 billion of its common stock.
- The program does not have a set expiration date.
- Ally may begin repurchasing shares under the program during the fourth quarter of 2025.
Dec 10, 2025, 12:35 PM
Ally Financial Announces Share Repurchase Authorization
ALLY
Share Buyback
- Ally Financial Inc. has announced that its board of directors authorized a multi-year share repurchase program for up to $2.0 billion of its common stock.
- The program has no set expiration date, and Ally may begin repurchasing shares under it this quarter.
- Repurchases can be made through open market purchases or privately negotiated transactions, including a Rule 10b5-1 plan.
Dec 10, 2025, 12:30 PM
Better Home & Finance Holding Company Announces Third Quarter 2025 Results and CFO Retirement
ALLY
Earnings
Guidance Update
CFO Change
- Better Home & Finance Holding Company reported Q3 2025 revenue of approximately $44 million, a net loss of approximately $39 million, and an Adjusted EBITDA loss of approximately $25 million.
- Total funded loan volume for Q3 2025 was approximately $1.2 billion, representing a 17% year-over-year growth compared to Q3 2024. Excluding volume from a discontinued partnership, funded loan volume grew 56% year-over-year.
- The company anticipates achieving a $500 million monthly run rate in total funded loan volume in Q4 2025, with an expectation to reach a $1 billion monthly run rate by the end of the next six months, and affirmed guidance of achieving Adjusted EBITDA breakeven by the end of Q3 2026.
- Kevin Ryan, Chief Financial Officer, will retire effective November 14, 2025.
Nov 13, 2025, 12:00 PM
Ally Financial CFO Discusses Strong Momentum and Path to Mid-Teens ROE
ALLY
Guidance Update
Revenue Acceleration/Inflection
Share Buyback
- Ally Financial is experiencing strong momentum in Q2 and Q3, making progress towards mid-teens Return on Equity (ROE) targets. This is driven by Net Interest Margin (NIM) expansion to the high threes, credit normalization to sub-2% Net Charge-Offs (NCOs) on retail auto loans, and disciplined expense and capital management.
- The company is on track for its high threes NIM target, with expansion driven by asset rollover into higher-yielding assets, portfolio mix optimization, and deposit repricing. Management expects deposit betas to start around 40% and expand over time, with betas in the 60s being sufficient to reach the target.
- End-of-year earning assets are expected to be approximately flat on a point-to-point basis, with future earning asset growth projected in the low single digits. Growth in higher-yielding retail auto loans and corporate finance is offsetting shrinkage from exited card and mortgage businesses.
- Credit trends are improving due to the vintage rollover of newer, better-performing vintages (benefiting from underwriting changes made in 2023 and later) and enhanced servicing strategies. Subprime loans, which constitute a small portion of originations (9-10%), are performing better than expectations.
- Ally's adjusted CET1 ratio is currently 8%, with a goal of reaching 9%. Share repurchases are a priority, with timing dependent on continued investment in core businesses, achieving the 9% capital target, and organic capital generation.
Nov 7, 2025, 12:30 PM
Ally Financial Discusses Strong Q2 and Q3 2025 Momentum, NIM Expansion, and Capital Trajectory
ALLY
Guidance Update
Revenue Acceleration/Inflection
Share Buyback
- Ally Financial reported strong momentum in Q2 and Q3 2025 across its core franchises: dealer financial services, corporate finance, and digital bank, positioning it to achieve mid-teens Return on Equity (ROE) targets over time.
- The company is on track for Net Interest Margin (NIM) expansion to the high threes, driven by asset rollover into higher-yielding assets and deposit repricing, despite near-term sensitivity to Fed rate cuts.
- Earning assets are expected to be approximately flat by year-end 2025 on a point-to-point basis, with low single-digit growth anticipated in 2026, particularly in retail auto and corporate finance.
- Credit trends are improving, attributed to vintage rollover from underwriting changes made in 2023 and enhanced servicing strategies, with the subprime segment performing better than expectations.
- Ally's adjusted CET1 ratio reached 8%, moving towards its 9% target, with share repurchases identified as a priority once the capital target is comfortably achieved after investing in core businesses.
Nov 7, 2025, 12:30 PM
Ally Financial Discusses Q2 and Q3 2025 Momentum and Future Outlook
ALLY
Guidance Update
Share Buyback
New Projects/Investments
- Ally Financial reported strong momentum in Q2 and Q3 2025, progressing towards mid-teens ROE targets driven by NIM expansion to the high threes, credit normalization, and disciplined expense management.
- The company anticipates end-of-year earning assets to be approximately flat on a point-to-point basis, with future growth projected in the low-single digits, primarily in higher-yielding retail auto loans and corporate finance.
- Credit performance is improving, attributed to vintage rollover and servicing enhancements, with the subprime segment, which constitutes 9%-10% of originations, performing better than anticipated.
- Ally is actively building capital, with adjusted CET1 at 8% against a 9% target, and considers share repurchases a priority once capital targets are achieved and organic capital generation provides clear visibility.
Nov 7, 2025, 12:30 PM
Ally Reports Q3 2025 Financial Results
ALLY
Earnings
Dividends
Guidance Update
- Ally reported GAAP EPS of $1.18 and Adjusted EPS of $1.15 for Q3 2025.
- The company's Net Interest Margin (excluding Core OID) was 3.55% for Q3 2025.
- Ally maintained a strong capital position with a CET1 ratio of 10.1% as of Q3 2025.
- Asset quality metrics for Q3 2025 included Net Charge-Offs (NCOS) of 1.88% and Retail Auto Delinquencies of 4.90%.
- The company announced a 4Q 2025 common dividend of $0.30 per share and provided full-year 2025 guidance for NIM (ex. OID) of 3.45%-3.50%, Retail Auto NCO of ~2.0%, and Consolidated NCO of ~1.3%.
Oct 17, 2025, 1:00 PM
Quarterly earnings call transcripts for Ally Financial.
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