earnings
confidence high
sentiment positive
materiality 0.65
Ally Q3 GAAP EPS $1.30 (+10% YoY), revenue $2.33B; declares $0.35 quarterly dividend
Ally Financial Inc.
- GAAP EPS $1.30 (+10% YoY), adjusted EPS $1.34 (+16%); net income to common $401M, up 8%; GAAP total net revenue $2,332M (+8% YoY), adjusted $2,346M (+9%).
- GAAP pre-tax income $567M (+11%); core pre-tax income $581M (+16%); ROE 12.1%, core ROTCE 13.1% (+80 bps YoY); NIM ex-OID 3.66% (+11 bps YoY); CET1 10.2%.
- Declared 4Q 2026 common dividend of $0.35 per share; executed $178M of share repurchases during the quarter.
- Consumer auto originations $12.9B (+10% YoY) on record 4.8M applications (+20% YoY); retail auto net charge-offs 189 bps, up 1 bp YoY; insurance written premiums $388M.
- Retail deposits $142B, 92% FDIC-insured, 86% core deposit funded; 70th consecutive quarter of customer growth to 3.6M; Corporate Finance HFI $15.8B with sub-1% NPLs and 22% ROE.