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Sep 30, 2022

Ally Q3 2022 Earnings Report

Ally's results were impacted by an impairment on a nonmarketable equity investment related to the mortgage business and higher provisions due to loan growth in auto finance.

Key Takeaways

Ally Financial reported a GAAP EPS of $0.88 and adjusted EPS of $1.12 for Q3 2022. The company's performance was influenced by an impairment on a nonmarketable equity investment and increased provisions for credit losses. Despite these challenges, Ally saw growth in retail deposits and consumer auto originations.

Consumer auto originations reached $12.3 billion.

Retail deposit balances increased to $133.9 billion.

Completed $415 million of share repurchases.

Net income attributable to common shareholders was $272 million.

Total Revenue
$2.09B
Previous year: $2.11B
-1.0%
EPS
$1.12
Previous year: $2.16
-48.1%
Net Interest Margin
3.81%
Previous year: 3.66%
+4.1%
Retail Auto Net Charge-Offs
1.05%
Previous year: 0.27%
+288.9%
Auto Originations
$12.3B
Previous year: $7.1
+173239436519.7%
Gross Profit
$725M
Previous year: $2.1B
-65.5%
Cash and Equivalents
$4.6B
Previous year: $10.1B
-54.5%
Total Assets
$189B
Previous year: $186B
+1.3%

Ally

Ally

Ally Revenue by Segment

Forward Guidance

Ally remains focused on delivering solid results each quarter while actively monitoring the uncertainty which lies ahead.

Revenue & Expenses

Visualization of income flow from segment revenue to net income