Education
About Us
Working with TipRanks
Follow Us
Ally Financial (ALLY)
NYSE:ALLY
Earnings Data
Report Date
Jan 16, 2026Before Open (Confirmed)
Period Ending
2025 (Q4)Consensus EPS Forecast
1.02Last Year’s EPS
0.78Same Quarter Last Year
Moderate Buy
Based on 14 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
Ally Financial demonstrated strong financial performance in the third quarter, with significant earnings growth, improved credit trends, and strategic enhancements in digital banking and AI. However, there are challenges related to the impact of the credit card business sale and potential macroeconomic risks.Company Guidance
Significant Year-Over-Year Earnings Growth
Adjusted EPS increased by 166% to $1.15 per share. Core ROTCE was 15% on a headline basis and about 12% excluding the impact of AOCI.
Strong Performance in Dealer Financial Services
Consumer originations reached $11.7 billion, driven by a record 4 million applications. Originated yield was at 9.7% with 42% of originations for the highest credit quality tier.
Improved Credit Trends
Consolidated net charge-off rate decreased by 32 basis points to 118 basis points. Retail auto net charge-off rate was 188 basis points, down 36 basis points year over year.
Growth in Digital Banking
Ended the quarter with $142 billion in balances, serving 3.4 million customers. Deposits represent nearly 90% of total funding, with 92% FDIC insured.
CET1 Ratio Improvement
CET1 ratio increased to 10.1%, representing $4.5 billion of excess capital above the regulatory minimum.
Corporate Finance Growth
Generated a 30% ROE with a 10% increase in the loan portfolio.
Introduction of AI Platform
Rolled out proprietary AI platform, ally.ai, to 10,000 teammates to streamline tasks and automate routine work.
ALLY Earnings History
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 |
|---|---|---|---|
Oct 17, 2025 | $38.45 | $39.82 | +3.56% |
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% |
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.
FAQ
When does Ally Financial (ALLY) report earnings?
Ally Financial (ALLY) is schdueled to report earning on Jan 16, 2026, Before Open (Confirmed).
What is Ally Financial (ALLY) earnings time?
Ally Financial (ALLY) earnings time is at Jan 16, 2026, Before Open (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is ALLY EPS forecast?
ALLY EPS forecast for the fiscal quarter 2025 (Q4) is 1.02.
