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Dec 31, 2025
Ally Q4 2025 Earnings Report
Ally reported a profitable quarter with EPS of $0.95 and strong contributions from core business segments.
Key Takeaways
Ally Financial posted solid Q4 2025 results, showing improved profitability driven by higher net interest margin and disciplined cost control. The company authorized a $2B share repurchase program and reported strong asset quality trends.
Reported GAAP EPS of $0.95 and adjusted EPS of $1.09
Net income attributable to common shareholders was $300 million
Retail auto originations rose to $10.8 billion, up 6% YoY
Authorized a $2 billion open-ended share repurchase program
Revenue by Segment
Revenue by Geographic Location
Forward Guidance
Ally expects margin improvement, modest revenue growth, and stable credit performance in 2026.
Positive Outlook
- NIM (ex. OID) guidance of 3.60%–3.70%
- Retail auto NCOs expected to remain stable at 1.8%–2.0%
- Average earning assets projected to grow 2%–4%
- Adjusted noninterest expense to rise only ~1%
- Adjusted other revenue expected to grow up to 5%
Challenges Ahead
- Macro risks include labor market and used vehicle value pressure
- Continued cost of capital and funding cost headwinds
- Asset yields may face compression if rate environment softens
- Some volatility from repositioning actions may persist
- Uncertainty in credit markets could impact corporate finance portfolio
Historical Earnings Impact
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Avg. Return Before/After Earnings
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