Ally Financial (ALLY) Company Report

Ally Financial reported Adjusted EPS of $1.09 for Q4 2025 and $3.81 for the full year 2025, marking a 62% year-over-year increase.
For full-year 2025, Adjusted net revenue reached $8.5 billion, up 3% year-over-year, and Core ROTCE was 10.4%, an increase of over 300 basis points from 2024.
The company's 2026 outlook projects full-year Net Interest Margin (NIM) between 3.6% and 3.7% and retail auto net charge-offs between 1.8% and 2%. Expenses are anticipated to rise approximately 1%, with average earning assets growing between 2% and 4% year-over-year.
Ally announced a $2 billion open-ended share repurchase authorization in December 2025, planning to start repurchases "low and slow". The company ended 2025 with a fully phased-in CET1 of 8.3% and expects repurchases to accelerate as it approaches its 9% target.

Jan 21, 2026, 2:00 PM

Transcript

ALLY Reports Q4 and Full-Year 2025 Results, Provides 2026 Outlook

ALLY

Earnings

Guidance Update

Share Buyback

For Q4 2025, Ally reported GAAP EPS of $0.95 and Adjusted EPS of $1.09. GAAP total net revenue was $2,123 million, and Adjusted total net revenue was $2,165 million.
For the full year 2025, Adjusted EPS was $3.81, marking a 62% increase year-over-year, and Core ROTCE was 10.4%, up 45% year-over-year. Adjusted Net Revenue reached $8.5 billion, a 3% increase year-over-year.
The company's CET1 ratio stood at 10.2% at the end of Q4 2025, an increase of 40 basis points year-over-year. Ally also authorized a $2 billion open-ended share repurchase program.
Net Charge-Offs (NCOS) for Q4 2025 were 2.14%, and Retail Auto Delinquencies were 5.25%.
For 2026, Ally expects a Net Interest Margin (ex. OID) between 3.60% and 3.70%, Retail Auto NCOs between 1.8% and 2.0%, and Consolidated NCOs between 1.2% and 1.4%.

Jan 21, 2026, 2:00 PM

Presentation

Ally Financial Reports Q4 and Full-Year 2025 Results, Provides 2026 Outlook

ALLY

Earnings

Guidance Update

Share Buyback

Ally Financial reported full-year 2025 adjusted EPS of $3.81, up 62% year-over-year, and core ROTCE of 10.4%, up over 300 basis points versus 2024. Adjusted net revenue for the full year was $8.5 billion, up 3% year-over-year, or 6% when adjusting for the sale of card.
For Q4 2025, GAAP EPS was $0.95 and adjusted EPS was $1.09. Net financing revenue, excluding OID, was $1.6 billion, up 6% from the prior year. The retail auto net charge-off rate declined 20 basis points year-over-year to 2.14% in Q4 2025.
The company announced a $2 billion open-ended share repurchase authorization in December 2025, indicating confidence in future progress and providing another option for capital deployment.
For full-year 2026, Ally expects Net Interest Margin (NIM) to be between 3.6% and 3.7%, with retail auto net charge-offs between 1.8% and 2%. Consolidated net charge-offs are projected between 1.2% and 1.4%, and expenses are expected to be up approximately 1%.
Ally is focused on achieving sustainable mid-teens returns, driven by an upper threes NIM, a sub-2% retail auto NCO rate, and capital and expense discipline, having achieved two of these three goals by the end of 2025.

Jan 21, 2026, 2:00 PM

Transcript

Ally Financial Reports Strong FY 2025 Results and Provides 2026 Outlook

ALLY

Earnings

Guidance Update

Share Buyback

Ally Financial reported strong full-year 2025 results, including Adjusted EPS of $3.81 (up 62% year-over-year) and Core ROTCE of 10.4% (up over 300 basis points from 2024).
For 2026, the company projects full-year Net Interest Margin (NIM) between 3.6% and 3.7% and retail auto net charge-offs between 1.8% and 2%.
Management is confident in achieving mid-teens returns and further margin expansion in 2026, driven by high three NIMs, sub 2% retail auto NCOs, and continued capital and expense discipline.
Ally announced a $2 billion open-ended share repurchase authorization in December 2025, planning to start "low and slow" and accelerate repurchases after reaching a 9% fully phased-in CET1 target.

Jan 21, 2026, 2:00 PM

Transcript

Ally Financial Inc. Reports Strong Fourth Quarter and Full-Year 2025 Results

ALLY

Earnings

Share Buyback

Ally Financial Inc. reported GAAP net income attributable to common shareholders of $300 million and Adjusted EPS of $1.09 for Q4 2025, contributing to a full-year 2025 Adjusted EPS of $3.81 and Core Return on Tangible Common Equity (ROTCE) of 10.4%.
The company's core franchises demonstrated strong performance in 2025, with Dealer Financial Services achieving $43.7 billion in originations, Insurance delivering a record $1.5 billion in written premiums, and Ally Bank serving 3.5 million deposit customers with $144 billion in retail deposits.
Ally Financial Inc. resumed share repurchases in Q4 2025 and maintained a strong capital position with a Common Equity Tier 1 (CET1) capital ratio of 10.2%.

Jan 21, 2026, 12:49 PM

8-K

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

Transcript

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

Transcript

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

Transcript

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

8-K

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

Press Release