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Jun 30, 2025
Ally Q2 2025 Earnings Report
Ally reported strong Q2 2025 results with higher earnings and solid deposit and auto finance growth.
Key Takeaways
Ally Financial delivered solid Q2 2025 results with net income rising to $324 million, boosted by strong auto finance originations and consistent deposit growth. EPS came in at $1.04, and adjusted EPS was $0.99, reflecting improved profitability.
Net income rose to $324 million, up from $191 million last year
Consumer auto originations reached $11 billion from a record 3.9 million applications
Retail deposits totaled $143.2 billion, marking 65 consecutive quarters of growth
Corporate Finance delivered 31% ROE with zero net charge-offs
Revenue by Segment
Revenue by Geographic Location
Forward Guidance
Ally expects continued momentum across auto finance and deposits, with disciplined execution and risk management despite macroeconomic headwinds.
Positive Outlook
- Strong auto finance originations with high credit quality mix
- Retail deposit base continues to grow for 65 consecutive quarters
- Corporate Finance maintains high ROE and low charge-offs
- Insurance business shows steady premium growth
- Improved capital ratios after Credit Card sale
Challenges Ahead
- Lower net financing revenue in Auto Finance year over year
- Higher insurance losses due to weather-related P&C exposure
- Seasonal deposit outflows affected total deposits quarter over quarter
- Corporate Finance revenue slightly declined year over year
Historical Earnings Impact
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Avg. Return Before/After Earnings
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