The earnings call reflects a strong financial performance with improvements in key areas such as net interest margin, auto finance growth, and credit quality. Despite some challenges like deposit balance decline and higher insurance costs, the company demonstrates robust strategic execution and momentum.

Company Guidance

During the Q2 2025 earnings call, Ally Financial provided a comprehensive update on its financial performance and strategic direction. The company reported adjusted earnings per share of $0.99 and core pre-tax income of $480 million, showcasing double-digit year-over-year growth. The net interest margin, excluding core OID, expanded by ten basis points to 3.45%, despite a twenty basis point impact from selling its credit card business. Ally also achieved a core ROTCE of 13.6% for the quarter, with a core ROTCE of 10% when excluding AOCI benefits. The auto finance business reported consumer originations of $11 billion, driven by 3.9 million applications, marking the highest quarterly application volume for the second consecutive quarter. The company's insurance segment saw average dealer inventory exposure rise by 23% year-over-year. Meanwhile, in corporate finance, Ally generated a 31% ROE with attractive floating rate yields. The digital bank segment continued its growth, serving a record 3.4 million customers and maintaining deposit balances of $143 billion. Overall, Ally's strategic focus on disciplined execution, risk management, and customer-centric culture remains strong, positioning the company for sustainable returns and growth.

Strong Financial Performance

Ally Financial reported adjusted earnings per share of $0.99 and core pre-tax income of $480 million, achieving double-digit year-over-year growth in both metrics.

Net Interest Margin Improvement

Net interest margin excluding core OID was 3.45%, expanding ten basis points quarter over quarter, more than offsetting a twenty basis point drag from the credit card business sale.

Robust Auto Finance Growth

Consumer originations reached $11 billion, driven by 3.9 million applications, marking the highest quarterly application volume ever for the second consecutive quarter.

Insurance Business Momentum

Average dealer inventory exposure rose by 23% year-over-year, with 3.9 million active policies outstanding, an increase of over one million since IPO.

Digital Bank Growth

The digital bank serves an all-time high of 3.4 million customers, marking 65 consecutive quarters of net customer growth, with balances of $143 billion.

Improved Credit Quality

Consolidated net charge-off rate was 1.10%, a decline of 40 basis points to the prior quarter and a decrease of 16 basis points to the prior year.

Ally Financial (ALLY) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

ALLY Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 15, 2025	2025 (Q3)	1.01 / -	0.95	―	―	―
Jul 18, 2025	2025 (Q2)	0.81 / 0.99	0.97	2.06% (+0.02)
Apr 17, 2025	2025 (Q1)	0.42 / 0.58	0.45	28.89% (+0.13)
Jan 22, 2025	2024 (Q4)	0.58 / 0.78	0.45	73.33% (+0.33)
Oct 18, 2024	2024 (Q3)	0.54 / 0.95	0.83	14.46% (+0.12)
Jul 17, 2024	2024 (Q2)	0.63 / 0.97	0.96	1.04% (+0.01)
Apr 18, 2024	2024 (Q1)	0.32 / 0.45	0.82	-45.12% (-0.37)
Jan 19, 2024	2023 (Q4)	0.44 / 0.45	1.08	-58.33% (-0.63)
Oct 18, 2023	2023 (Q3)	0.80 / 0.83	1.12	-25.89% (-0.29)
Jul 19, 2023	2023 (Q2)	0.94 / 0.96	1.76	-45.45% (-0.80)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

ALLY Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 18, 2025	$39.92	$39.56	-0.90%
Apr 17, 2025	$31.63	$31.09	-1.71%
Jan 22, 2025	$37.25	$38.68	+3.84%
Oct 18, 2024	$34.66	$33.86	-2.31%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.