Core Points - Krystal Roberts has been awarded the 2025 Ally Sees Her Award for her significant achievements as a woman of color in the automotive retail industry [1][2] - Roberts has been with Advantage Auto Group for over 22 years and has served as Executive Manager for eight years, leading Advantage Chevrolet to become one of the top dealerships in the Chicago and Northwest Indiana area [3][4] - Under her leadership, Advantage Chevrolet's sales have increased by 20%, selling approximately 2,200 new and used vehicles annually [4] - Roberts has implemented employee benefits such as extended lunch breaks and paid health club memberships, increasing female representation in the workforce to 25% over the past five years [5] - Ally Financial is donating $10,000 to the United Negro College Fund (UNCF) Chicago in celebration of Roberts' leadership and community involvement [7] - Roberts holds an MBA from DePaul University and is the first female chair of the General Motors Commercial Dealer Advisory Board [8] Company Overview - Ally Financial Inc. is a financial services company known for its all-digital bank and industry-leading auto financing business, focusing on customer and community support [9]

For more information and disclosures about Ally, visit https://www.ally.com/#disclosures. For further images and news on Ally, please visit http://media.ally.com. Contacts: Sean Leary Ally Investor Relations 704-444-4830 [email protected] Peter Gilchrist Ally Communications (Media) 704-644-6299 [email protected] CHARLOTTE, N.C., Aug. 20, 2025 /PRNewswire/ -- Ally Financial Inc. (NYSE: ALLY) Chief Financial Officer Russ Hutchinson will present at the Barclays Global Financial Services Conference on Tuesday, ...

Core Insights - Ally Bank has received an "Outstanding" rating on its Community Reinvestment Act (CRA) performance evaluation by the Federal Reserve Board, marking its fourth consecutive highest rating since 2017, placing it among the top 15% of U.S. financial institutions evaluated under the CRA [1][2][3] Community Investment Highlights - During the 2023-2024 exam period, Ally Bank delivered $2.68 billion in community development loans and investments, which included: - $1.7 billion in community development investments, with $1.47 billion specifically supporting affordable housing - $734.4 million in community development loans, including $138 million for economic development and community services - $3.4 million in grants to non-profit organizations focused on community development and economic mobility - 1,685 employee volunteer hours dedicated to financial literacy initiatives and nonprofit partnerships [2][5] Specific Projects and Initiatives - Ally Bank provided a $35 million loan to Lendistry, which supported over 1,300 startups in 2023 - An $11.7 million real estate construction loan was issued to Ogden PSH, LLC for a Low-Income Housing Tax Credit rental project aimed at chronically homeless individuals, with units reserved for homeless veterans and people with disabilities - A $5 million investment was made into ResilienceVC, an early-stage venture fund targeting scalable financial technology startups that enhance financial resilience for users [5]

Grants and investments to support underserved communities in Charlotte, Detroit and beyond DETROIT, Aug. 11, 2025 /PRNewswire/ -- Ally Financial Inc. (NYSE: ALLY), home to the nation's largest all- digital bank, an industry-leading auto financing business and a highly respected corporate finance provider, today announced a more than $150 million commitment in 2025 to support workforce development, aimed at advancing economic mobility through education, career opportunities and job creation across its charit ...

Part I — Financial Information [Financial Statements](index=5&type=section&id=Item%201.%20Financial%20Statements) Ally Financial's Q2 2025 net income rose to $352 million, while six-month net income fell to $127 million due to a $495 million pre-tax loss on securities and a $305 million goodwill impairment Condensed Consolidated Statement of Comprehensive Income | ($ in millions) | Three months ended June 30, 2025 | Three months ended June 30, 2024 | Six months ended June 30, 2025 | Six months ended June 30, 2024 | | :--- | :--- | :--- | :--- | :--- | | **Total net revenue** | **$2,082** | **$2,022** | **$3,623** | **$4,020** | | Provision for credit losses | $384 | $457 | $575 | $964 | | Total noninterest expense | $1,262 | $1,286 | $2,896 | $2,594 | | **Net income** | **$352** | **$219** | **$127** | **$362** | | **Diluted earnings per common share** | **$1.04** | **$0.62** | **$0.23** | **$0.99** | Condensed Consolidated Balance Sheet Highlights | ($ in millions) | June 30, 2025 | December 31, 2024 | | :--- | :--- | :--- | | Total cash and cash equivalents | $10,592 | $10,292 | | Finance receivables and loans, net | $129,813 | $132,316 | | **Total assets** | **$189,473** | **$191,836** | | Total deposit liabilities | $147,866 | $151,574 | | Total long-term debt | $15,876 | $17,495 | | **Total liabilities** | **$174,926** | **$177,933** | | **Total equity** | **$14,547** | **$13,903** | Condensed Consolidated Statement of Cash Flows Highlights | Six months ended June 30, ($ in millions) | 2025 | 2024 | | :--- | :--- | :--- | | Net cash provided by operating activities | $1,887 | $2,720 | | Net cash provided by investing activities | $1,568 | $2,590 | | Net cash used in financing activities | ($3,337) | ($4,620) | | **Net increase in cash and cash equivalents** | **$128** | **$685** | - On April 1, 2025, the company completed the sale of its credit card operations, Ally Credit Card, resulting in a goodwill impairment charge of **$305 million** and a net pretax loss of **$8 million** during the first six months of 2025[38](index=38&type=chunk)[40](index=40&type=chunk) - In the first quarter of 2025, Ally executed a balance sheet repositioning by selling lower-yielding available-for-sale securities with an amortized cost of approximately **$4.6 billion** for proceeds of **$4.1 billion**, resulting in a pre-tax loss of **$495 million**[66](index=66&type=chunk)[74](index=74&type=chunk) [Management's Discussion and Analysis of Financial Condition and Results of Operations](index=69&type=section&id=Item%202.%20Management%27s%20Discussion%20and%20Analysis%20of%20Financial%20Condition%20and%20Results%20of%20Operations) Management attributes Q2 2025 net income growth to lower credit provisions and investment gains, while six-month decline was due to securities sale losses and goodwill impairment, with strong auto originations and robust capital ratios [Consolidated Results of Operations](index=76&type=section&id=Consolidated%20Results%20of%20Operations) Q2 2025 net income increased to $352 million due to lower credit provisions and investment gains, while six-month net income decreased to $127 million due to a $460 million investment loss and $305 million goodwill impairment - The increase in net income for Q2 2025 was primarily driven by lower provision for credit losses, a gain on investments (versus a loss in Q2 2024), and lower total noninterest expense[387](index=387&type=chunk) - The decrease in net income for the first six months of 2025 was mainly due to a significant loss on investments from the AFS portfolio repositioning and a goodwill impairment charge related to the sale of Ally Credit Card[387](index=387&type=chunk)[392](index=392&type=chunk)[395](index=395&type=chunk) - Provision for credit losses decreased by **$389 million** for the six months ended June 30, 2025, primarily driven by a provision benefit associated with the sale of Ally Credit Card and lower net charge-offs in the consumer automotive portfolio[394](index=394&type=chunk) [Segment Analysis](index=79&type=section&id=Segment%20Analysis) Q2 2025 saw Automotive Finance pre-tax income decline to $472 million, Insurance swing to a $28 million profit, Corporate Finance decrease to $96 million, and Corporate and Other reduce its loss to $160 million Pre-tax Income by Segment (Three Months Ended June 30) | ($ in millions) | 2025 | 2024 | | :--- | :--- | :--- | | Automotive Finance | $472 | $584 | | Insurance | $28 | ($40) | | Corporate Finance | $96 | $109 | | Corporate and Other | ($160) | ($374) | | **Total** | **$436** | **$279** | - Automotive Finance consumer loan originations increased to **$11.0 billion** in Q2 2025 from **$9.8 billion** in Q2 2024, driven by strong new vehicle sales and momentum in electric vehicle leases[424](index=424&type=chunk)[428](index=428&type=chunk) - Insurance operations' combined ratio improved slightly to **117.1%** in Q2 2025 from **117.6%** in Q2 2024, as higher earned premiums were partially offset by increased weather-related losses, which rose to **$91 million** from **$78 million**[441](index=441&type=chunk)[447](index=447&type=chunk)[448](index=448&type=chunk) [Risk Management](index=96&type=section&id=Risk%20Management) Ally's risk management shows total loan exposure of $144.3 billion, with nonperforming loans at 1.2% and allowance for loan losses at $3.4 billion, while operating lease remarketing gains significantly deteriorated - Total consumer nonperforming loans decreased to **$1.2 billion** (**1.2%** of portfolio) at June 30, 2025, from **$1.4 billion** (**1.3%** of portfolio) at year-end 2024[516](index=516&type=chunk)[521](index=521&type=chunk) Consumer Net Charge-off Ratios (Annualized) | Three months ended June 30, | 2025 | 2024 | | :--- | :--- | :--- | | Consumer automotive | 1.7% | 1.8% | | Consumer other (Credit Card) | — | 12.6% | | **Total consumer** | **1.5%** | **1.7%** | - The allowance for loan losses was **$3.4 billion** at June 30, 2025, representing **2.6%** of total finance receivables, with the forecast assuming a peak unemployment rate of approximately **4.7%** in Q4 2025[556](index=556&type=chunk)[558](index=558&type=chunk) - Operating lease remarketing performance deteriorated significantly, with the average gain per terminated vehicle falling to **$14** in Q2 2025 from **$1,420** in Q2 2024, primarily due to lower auction prices for specific models[599](index=599&type=chunk)[600](index=600&type=chunk) [Liquidity Management, Funding, and Regulatory Capital](index=111&type=section&id=Liquidity%20Management%2C%20Funding%2C%20and%20Regulatory%20Capital) Ally maintains strong liquidity of $66.8 billion and robust capital ratios, with CET1 at 9.89%, despite a $3.7 billion decrease in total deposits to $147.9 billion Total Available Liquidity | ($ in millions) | June 30, 2025 | December 31, 2024 | | :--- | :--- | :--- | | Liquid cash and equivalents | $10,032 | $9,561 | | FHLB unused pledged borrowing capacity | $10,700 | $12,211 | | Unencumbered highly liquid securities | $19,167 | $19,950 | | FRB Discount Window pledged capacity | $26,896 | $26,734 | | **Total available liquidity** | **$66,795** | **$68,456** | - Total deposits decreased by **$3.7 billion** during the first six months of 2025 to **$147.9 billion**, driven by a **$3.5 billion** reduction in brokered deposits and a **$272 million** decrease in retail deposits[628](index=628&type=chunk) Regulatory Capital Ratios (Ally Financial Inc.) | Ratio | June 30, 2025 | Required Minimum (incl. buffer) | | :--- | :--- | :--- | | Common Equity Tier 1 (CET1) | 9.89% | 7.10% (4.5% + 2.6% SCB) | | Tier 1 Capital | 11.38% | 8.60% | | Total Capital | 13.25% | 10.60% | | Tier 1 Leverage | 9.06% | 4.00% | - The company's stress capital buffer (SCB) requirement was updated to **2.6%**, effective October 2024, and is scheduled to remain at **2.6%** effective October 1, 2025[653](index=653&type=chunk) [Quantitative and Qualitative Disclosures About Market Risk](index=120&type=section&id=Item%203.%20Quantitative%20and%20Qualitative%20Disclosures%20About%20Market%20Risk) This section refers to the Market Risk discussion within Item 2 for quantitative and qualitative disclosures about market risk - The report directs readers to the Market Risk section within the MD&A for all quantitative and qualitative disclosures regarding market risk[693](index=693&type=chunk) [Controls and Procedures](index=121&type=section&id=Item%204.%20Controls%20and%20Procedures) Management concluded that disclosure controls and procedures were effective as of June 30, 2025, with no material changes to internal control over financial reporting during the quarter - The Principal Executive Officer and Principal Financial Officer concluded that the company's disclosure controls and procedures were effective as of the end of the period covered by the report[695](index=695&type=chunk) - No changes occurred during the quarter ended June 30, 2025, that have materially affected, or were reasonably likely to materially affect, the company's internal control over financial reporting[696](index=696&type=chunk) Part II — Other Information [Legal Proceedings](index=122&type=section&id=Item%201.%20Legal%20Proceedings) The company refers to Note 24 for legal proceedings, with management not expecting material impact on financial condition, though potential materiality to results of operations for a particular period - For information on legal proceedings, the report refers to Note 24 of the financial statements[698](index=698&type=chunk) - Management does not currently believe that the ultimate outcomes of pending legal matters will be material to the company's consolidated financial condition, after accounting for existing accruals[352](index=352&type=chunk) [Risk Factors](index=122&type=section&id=Item%201A.%20Risk%20Factors) No material changes to the risk factors previously described in the company's 2024 Annual Report on Form 10-K - The company states that there have been no material changes to the risk factors previously disclosed in its 2024 Annual Report on Form 10-K[699](index=699&type=chunk) [Unregistered Sales of Equity Securities and Use of Proceeds](index=122&type=section&id=Item%202.%20Unregistered%20Sales%20of%20Equity%20Securities%20and%20Use%20of%20Proceeds) Ally had no unregistered equity sales in Q2 2025, repurchasing 27,000 shares for approximately $1 million, primarily for tax withholding on share-based incentive plans Issuer Purchases of Equity Securities (Q2 2025) | Month | Total Shares Repurchased (in thousands) | Weighted-Average Price Paid per Share | | :--- | :--- | :--- | | April 2025 | 17 | $30.09 | | May 2025 | 6 | $35.75 | | June 2025 | 4 | $35.97 | | **Total** | **27** | **$32.20** | - All repurchased shares consisted of common stock withheld to cover income taxes owed by participants in the company's share-based incentive plans[702](index=702&type=chunk)

CHARLOTTE, N.C., July 30, 2025 /PRNewswire/ -- In an era where financial pressures are mounting, new research released today by Ally Bank reveals younger generations are paying a price to stay connected, and it's impacting their overall financial health and wellness. Released ahead of International Friendship Day, The Friendship Tab survey shows that while three out of five young adults admit social spending affects their financial goals, 69% still prioritize in-person connection with friends at least weekl ...

Ally.ai will transform employee experience, supporting efficiency and effectiveness DETROIT, July 23, 2025 /PRNewswire/ -- Ally Financial Inc. (NYSE: ALLY), home to the nation's largest all- digital bank and an industry-leading auto financing business, today announced its more than 10,000 employees have access to its proprietary enterprise artificial intelligence (AI) platform, Ally.ai. This step delivers on Ally's long-time position that generative AI should be a supplemental, supportive resource for its w ...

Key Takeaways Ally Financial's (ALLY) second-quarter 2025 adjusted earnings of 99 cents per share surpassed the Zacks Consensus Estimate of 78 cents. Further, the bottom line reflected a jump of 35.6% from the year-ago quarter. Results benefited from a rise in net finance revenues and other revenues. Further, lower non-interest expenses and reduced provision provided support. However, a decline in net finance receivables and loans and deposits were the undermining factors. After considering non-recurring it ...

Core Insights - Ally Financial's second-quarter 2025 adjusted earnings were 99 cents per share, missing the Zacks Consensus Estimate of $1.01, but reflecting a 35.6% increase from the previous year [1][10] - The results were impacted by a decline in net finance receivables, loans, and deposits, although total revenues and net finance revenues increased, along with lower provisions and a decrease in non-interest expenses [1][10] Financial Performance - Total GAAP net revenues for the quarter were $2.08 billion, a 2.9% increase year over year, but below the Zacks Consensus Estimate of $2.12 billion [3] - Adjusted total revenues remained unchanged at $2.06 billion compared to the prior year [3] - Net financing revenues grew slightly to $1.53 billion, primarily due to lower funding costs, with an adjusted net interest margin of 3.45%, up 9 basis points [4] - Total other revenues increased by 12.1% year over year to $566 million, driven by profits on investments [4] - Total non-interest expenses decreased by 1.8% year over year to $1.26 billion, better than the estimated $1.28 billion [5] Loan and Deposit Trends - As of June 30, 2025, total net finance receivables and loans were $129.8 billion, a slight decline from the previous quarter, while deposits fell by 2.3% to $147.9 billion [6] Credit Quality - Non-performing loans increased to $1.36 billion, up 11.8% year over year, while net charge-offs decreased by 15.8% to $366 million [7][8] - The provision for loan losses was $384 million, down 15.9% year over year, attributed to reserve releases and lower retail auto net charge-offs [8] Capital Ratios - The total capital ratio improved to 13.2% from 12.7% year over year, with the tier 1 capital ratio rising to 11.4% from 11% [11] Strategic Outlook - The company's restructuring initiatives and balance sheet repositioning, along with rising consumer loan demand and lower non-interest expenses, are expected to strengthen financials, although weak credit quality poses a near-term challenge [12]

Albert Anthony is the pen name of a Croatian-American business author who is a media contributor on investor platform Seeking Alpha, where he has over +1K followers, & also writes for platforms like Investing dot com and is launching a book on Amazon in 2025 called Financial Markets: The Next Generation. Calling himself part of the new generation of analysts in the financial markets, he comes from a non-traditional financial background having been an analyst in the IT sector for several Fortune 500 companie ...