Ally Financial (ALLY) Company Report

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

Press Release

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

Transcript

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

Transcript

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

Transcript

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

Presentation

ALLY Financial Reports Strong Q3 2025 Results with Significant Earnings Growth and Positive Outlook

ALLY

Earnings

Guidance Update

Dividends

ALLY Financial reported adjusted EPS of $1.15, a 166% increase year-over-year, and adjusted net revenue of $2.2 billion, up 3% year-over-year, or 9% excluding the sale of the credit card business.
The company's Net Interest Margin (NIM), excluding core OID, expanded to 3.55%, an increase of 10 basis points quarter-over-quarter, with an expectation for full-year NIM to be between 3.45% and 3.5% and to migrate to the upper three percent range over time.
Credit trends showed normalization, with the consolidated net charge-off rate at 118 basis points, a 32 basis point decline year-over-year, and the retail auto net charge-off rate at 1.88%, down 36 basis points year-over-year. Full-year NCOs are now expected to be approximately 2%.
ALLY maintained a strong capital position with a CET1 ratio of 10.1%, representing $4.5 billion of excess capital, and increased its adjusted tangible book value per share by over 11% from the prior year to $39.
The company's core franchises demonstrated momentum, with consumer auto originations of $11.7 billion and corporate finance achieving a 30% ROE and 10% loan portfolio growth.

Oct 17, 2025, 1:00 PM

Transcript

Ally Financial Reports Strong Q3 2025 Earnings with Significant EPS Growth

ALLY

Earnings

Guidance Update

Share Buyback

Ally Financial reported strong Q3 2025 adjusted EPS of $1.15 per share, a 166% increase year-over-year, and adjusted net revenue of $2.2 billion, up 3% year-over-year (or 9% excluding the card business sale).
Net Interest Margin (NIM) expanded to 3.55% in Q3 2025, up 10 basis points quarter-over-quarter, with a medium-term target to reach the upper 3% range.
Credit trends improved, with the consolidated net charge-off rate at 118 basis points, down 32 basis points year-over-year, and 30+ all-in delinquencies at 4.9%, down 30 basis points from the prior year. Full-year consolidated NCOs are now expected to be approximately 1.3%.
The company maintained a strong capital position with a CET1 ratio of 10.1%, representing $4.5 billion of excess capital, and declared a quarterly common dividend of $0.30 per share for Q4 2025. Share repurchases remain a key capital management priority.
The digital bank grew to $142 billion in balances and 3.4 million customers, while auto finance consumer originations reached $11.7 billion, driven by a record 4 million applications.

Oct 17, 2025, 1:00 PM

Transcript

Ally Financial Inc. Reports Strong Q3 2025 Financial Results

ALLY

Earnings

Ally Financial Inc. reported GAAP EPS of $1.18 and Adjusted EPS of $1.15 for Q3 2025.
The company achieved GAAP Total Net Revenue of $2,168 million and Adjusted Total Net Revenue of $2,157 million in Q3 2025.
Profitability metrics showed improvement, with Return on GAAP Common Equity at 11.9% and Core ROTCE at 15.3% for the quarter.
The Common Equity Tier 1 (CET1) ratio stood at 10.1%, and consumer auto originations reached $11.7 billion in Q3 2025.

Oct 17, 2025, 11:40 AM

8-K

Ally Financial Inc. Issues New Senior Notes

ALLY

Debt Issuance

Ally Financial Inc. (Ally) issued $600,000,000 aggregate principal amount of 5.548% Fixed-to-Floating Rate Senior Notes due 2033 on July 31, 2025.
The Ally Financial Inc. and Ally Bank Executive Committee approved the establishment and issuance of these Notes.
Ally entered into an Underwriting Agreement on July 31, 2025, with Barclays Capital Inc., Citigroup Global Markets Inc., Goldman Sachs & Co. LLC, and RBC Capital Markets, LLC as representatives of the underwriters for the sale of these Notes.

Jul 31, 2025, 12:00 AM

8-K

Ally Financial Inc. Announces Second Quarter 2025 Financial Results

ALLY

Earnings

Dividends

Revenue Acceleration/Inflection

Ally Financial Inc. reported GAAP EPS of $1.04 and Adjusted EPS of $0.99 for the second quarter of 2025, marking year-over-year increases of 68% and 36%, respectively.
The company's pre-tax income was $436 million, an increase of $157 million year over year, with GAAP total net revenue reaching $2.082 billion.
Ally maintained a common equity tier 1 ratio of 9.9% and its Board of Directors approved a $0.30 per share common dividend for the third quarter of 2025.
Consumer auto originations for the quarter totaled $11.0 billion.

Jul 28, 2025, 12:00 AM

8-K

Filings & Transcripts

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Recent SEC filings and earnings call transcripts for ALLY.

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