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Sep 30, 2025
Ally Q3 2025 Earnings Report
Ally reported strong third-quarter results with increased profitability and record auto originations.
Key Takeaways
Ally Financial delivered solid performance in Q3 2025, with notable gains in net income and EPS, a record level of consumer auto originations, and stable deposit growth, reinforcing its position as a leader in digital banking.
Net income rose to $371 million, more than double the prior year quarter.
Consumer auto originations reached a record $11.7 billion from 4 million applications.
Adjusted EPS grew to $1.15 from $0.43 in Q3 2024.
Retail deposit base expanded to 3.4 million customers, marking 66 consecutive quarters of growth.
Revenue by Segment
Revenue by Geographic Location
Forward Guidance
Ally remains confident in its digital banking strategy and auto finance momentum, citing strong capital ratios and improved credit metrics.
Positive Outlook
- Strong auto loan originations from high-quality credit tiers.
- Improved credit performance with lower charge-offs and delinquencies.
- Continued deposit growth and high retention rates.
- CET1 capital ratio increased to 10.1%.
- Executed $5B credit risk transfer, enhancing capital position.
Challenges Ahead
- Insurance pre-tax income declined due to lower investment gains.
- Retail deposit balances decreased slightly quarter over quarter.
- Corporate Finance pre-tax income fell year over year.
- Net financing revenue in Auto Finance declined due to lower lease gains.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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