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Mar 31, 2022

Ally Q1 2022 Earnings Report

Ally's first quarter results were announced, showcasing strong financial and operational performance amidst a dynamic market environment.

Key Takeaways

Ally Financial reported a net income attributable to common shareholders of $627 million, with a GAAP EPS of $1.86 and an adjusted EPS of $2.03. The company achieved a core return on tangible common equity of 23.6%.

Consumer auto originations reached $11.6 billion.

Retail deposit customers grew for the 52nd consecutive quarter, reaching 2.5 million.

Ally Lending gross originations increased by 109% year over year to $442 million.

Ally Credit Card balances increased by 93% year over year to $1.0 billion.

Total Revenue
$2.21B
Previous year: $1.93B
+14.5%
EPS
$2.03
Previous year: $2.09
-2.9%
Net Interest Margin
3.93%
Previous year: 3.16%
+24.4%
Retail Auto Net Charge-Offs
0.58%
Previous year: 0.53%
+9.4%
Auto Originations
$11.6B
Previous year: $10.2B
+13.7%
Gross Profit
$1.12B
Previous year: $2.11B
-47.0%
Cash and Equivalents
$3.6B
Previous year: $15.2B
-76.3%
Total Assets
$184B
Previous year: $182B
+1.3%

Ally

Ally

Ally Revenue by Segment

Forward Guidance

Ally remains on track with FY 2022 buyback authorization of $2.0 billion and announced 2Q 2022 common dividend of $0.30 per share

Revenue & Expenses

Visualization of income flow from segment revenue to net income