NYSE$ALLY
Ally Financial Inc · Q4 2025 earnings
Q4 2025 earnings · · Before market open · Investor relations
Briefing
Ally reported a profitable quarter with EPS of $0.95 and strong contributions from core business segments.
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
Headline financials
Revenue & EPS history
Ally · Revenue · Quarterly
$2.12B
Revenue by segment
Ally · $1.78B total across 3 segments · Q3 2023
- Automotive Finance$1.36B+178.7%76.4%
- Insurance Operations$324M+1180.0%18.2%
- Corporate Finance$97M+6.6%5.4%
Forward guidance
Ally expects margin improvement, modest revenue growth, and stable credit performance in 2026.
Tailwinds
- 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%
Headwinds
- 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
How earnings announcements have historically affected this stock's price.
Avg. return before/after earnings
Based on 20 quarterly earnings reports · overlaid with Q4 2025
+0.5%
Avg return
Earnings day
+0.9%
Avg return
5 days after
+2.2%
Avg return
30 days after
44%
22 / 50 earnings
Positive
+23.3%
Q4 2022
Best reaction
-9.2%
Q3 2021
Worst reaction
| Quarter | Report date | Reaction (Day 0) | +5 days | +30 days |
|---|---|---|---|---|
| Q4 2025 | -0.1% | +9.0% | +0.1% | |
| Q1 2026 | -0.7% | +9.0% | +0.1% | |
| Q3 2025 | +3.6% | +5.6% | +2.2% | |
| Q2 2025 | +0.0% | -1.6% | +8.6% | |
| Q1 2025 | -1.7% | -2.4% | +12.0% | |
| Q4 2024 | +3.9% | +2.8% | -1.8% | |
| Q3 2024 | -0.1% | +1.9% | +9.9% | |
| Q2 2024 | +0.7% | +4.9% | -0.1% | |
| Q1 2024 | +7.7% | +9.5% | +10.6% | |
| Q4 2023 | +13.0% | +13.5% | +12.0% | |
| Q3 2023 | -6.1% | -11.2% | +7.4% | |
| Q2 2023 | -3.2% | -2.6% | -8.2% | |
| Q1 2023 | -1.8% | -2.8% | -1.6% | |
| Q4 2022 | +23.3% | +24.7% | +18.6% | |
| Q3 2022 | -8.5% | -7.4% | -9.4% | |
| Q2 2022 | -1.2% | -6.2% | +3.8% | |
| Q1 2022 | -3.8% | -6.2% | -13.7% | |
| Q4 2021 | -4.7% | -1.5% | +1.6% | |
| Q3 2021 | -9.2% | -9.8% | -14.1% | |
| Q2 2021 | +9.5% | +7.9% | +6.7% | |
| Q1 2021 | +1.0% | +3.7% | +9.7% | |
| Q4 2020 | -1.5% | -8.7% | +7.2% | |
| Q3 2020 | +2.1% | -0.0% | +7.3% | |
| Q2 2020 | -5.2% | -4.1% | +1.0% | |
| Q1 2020 | -7.7% | -7.0% | +7.1% | |
| Q4 2019 | +8.1% | +3.6% | -5.9% | |
| Q3 2019 | -4.7% | -4.2% | -3.6% | |
| Q2 2019 | +5.1% | +7.2% | -2.2% | |
| Q1 2019 | +0.9% | +0.3% | -0.9% | |
| Q4 2018 | +3.0% | +4.7% | +6.8% | |
| Q3 2018 | -0.4% | +2.5% | +1.9% | |
| Q2 2018 | -2.5% | -4.3% | -2.6% | |
| Q1 2018 | -4.4% | -5.7% | -3.7% | |
| Q4 2017 | -1.7% | -4.6% | -9.5% | |
| Q3 2017 | +5.6% | +6.5% | +7.7% | |
| Q2 2017 | +4.5% | +4.9% | +4.8% | |
| Q1 2017 | -6.3% | -5.6% | -9.6% | |
| Q4 2016 | +9.7% | +15.3% | +14.3% | |
| Q3 2016 | -4.5% | -7.6% | +1.2% | |
| Q2 2016 | +0.2% | +2.3% | +12.0% | |
| Q1 2016 | -3.4% | — | — | |
| Q4 2015 | +6.4% | — | — | |
| Q3 2015 | -3.8% | — | — | |
| Q2 2015 | +6.6% | — | — | |
| Q1 2015 | +6.2% | — | — | |
| Q4 2014 | -6.5% | — | — | |
| Q3 2014 | +2.7% | — | — | |
| Q2 2014 | -4.0% | — | — | |
| Q1 2014 | -0.4% | — | — | |
| Q4 2013 | +1.1% | — | — | |
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