Ally Financial Q4 GAAP EPS $0.26 ($0.78 adj); full-year $1.80 ($2.35 adj)

Ally Financial Inc.

2024-FY EPS reported $1.80 revenue$8,181,000,000

GAAP EPS $0.26 for Q4, $1.80 for full year 2024; adjusted EPS $0.78 and $2.35 respectively.
Total net revenue $2.0B in Q4, $8.2B full year; core ROTCE 11.3% Q4, 8.5% full year.
Agreed to sell Credit Card business; ceased new mortgage applications effective Jan 31, 2025.
Workforce reduction expected to save >$60M annually; $22M restructuring cost excluded from adjusted metrics.
Retail auto net charge-offs 216 bps; consumer auto originations $10.3B in Q4 with 49% in highest credit tier.

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