Ally Financial Q4 2025 EPS $0.95 ($1.09 adjusted); FY EPS $2.37 ($3.81 adjusted); authorizes $2B buyback

Ally Financial Inc.

2025-FY EPS reported $2.37 revenue$7,914,000,000

Q4 EPS $0.95 (adjusted $1.09); FY EPS $2.37 (adjusted $3.81). Pre-tax income $386M Q4, $1.1B FY.
Record 15.5M consumer auto applications in FY; $43.7B originations. Estimated retail auto originated yield 9.74%.
Completed sale of Credit Card, ceased mortgage originations; added 40 bps to CET1. Executed $4.1B securities repositioning.
Retail deposits $143.5B with 3.5M customers; 17 consecutive years of growth. >95% retention.
Board authorized $2B open-ended share repurchase program, signaling capital flexibility and confidence.

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