The earnings call presented a mix of positive and negative aspects. The company showed strong momentum in application volumes and corporate finance, improvement in credit trends, and growth in the digital bank. However, there were challenges such as the decline in commercial auto balances, impact from the credit card business sale, increased costs in the insurance business, and seasonal decline in deposits.

Company Guidance -

Q3 2025

During the Q2 2025 earnings call, Ally Financial provided detailed guidance on several key performance metrics. The company reported adjusted earnings per share of $0.99 and core pre-tax income of $480 million, with a net interest margin excluding core OID of 3.45%, up ten basis points from the previous quarter. Ally achieved a core ROTCE of 13.6%, highlighting its strategic focus and operational execution. The auto finance segment saw consumer originations of $11 billion, driven by 3.9 million applications, with origination yields of 9.82%. The insurance business continued to grow, with a 23% year-over-year increase in average dealer inventory exposure. In Corporate Finance, the company delivered a 31% ROE, reflecting strong returns even amid varying credit cycles. The digital bank ended the quarter with balances of $143 billion and a customer base of 3.4 million, marking 65 consecutive quarters of net customer growth. Ally maintained a CET1 ratio of 9.9%, with $4 billion in excess capital above its SCB minimum, and reiterated its commitment to disciplined capital management, including potential share repurchases when appropriate.

Record Application Volume in Auto Finance

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

Strong Performance in Corporate Finance

Corporate Finance delivered a 31% ROE with net financing revenue of $108 million, supported by long-standing relationships and disciplined risk management.

Improvement in Credit Trends

Consolidated net charge-off rate decreased by 16 basis points year over year, with retail auto net charge-off rate down 6 basis points to 1.75%.

Growth in Digital Bank

The digital bank ended the quarter with $143 billion in balances and 3.4 million customers, marking 65 consecutive quarters of net customer growth.

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

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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.