Macro Environment - The current macro environment is characterized as dynamic, with a resilient consumer base observed by the company [1] - Positive trends in flow to loss, delinquency, and severity continue, indicating favorable conditions for the company [1] Business Performance - The company is experiencing strong traction with dealers, leading to robust application volumes [2] - This strong performance provides the company with opportunities to be selective regarding credit and pricing, contributing to strength in originations [2]

Summary of Ally Financial Conference Call Company Overview - **Company**: Ally Financial - **Event**: Thirtieth Annual RBC Financial Institutions Conference Macro Environment - The macroeconomic environment is described as dynamic, with resilient consumer trends observed. - Favorable metrics include flow to loss, delinquency, and severity, indicating strong credit performance [6][8][46]. - Ally Financial has made strategic changes in underwriting and servicing, leading to strong application and origination volumes despite a decline in new car sales [6][7]. Business Performance - Ally's commercial portfolio, including commercial auto and corporate finance, continues to show strong credit performance [7]. - The digital bank is experiencing good momentum in customer acquisition and retention [7]. - The company has focused on core franchises where it has competitive advantages, reducing risk and streamlining operations [8][9]. AI and Innovation - Ally views AI as a catalyst for change, focusing on enhancing customer experience and operational efficiency [15][18]. - The company is piloting AI in servicing operations, particularly in early-stage collections, and has centralized 90% of its data on one platform for better governance and security [17][18]. Financial Metrics - Pre-tax income increased by 55% in 2025, with a 120 basis point increase in fully phased-in CET1 and a 19% rise in tangible book value per share [21]. - The company aims for a net interest margin in the high 3% range, driven by a shift towards higher-yielding assets [25][34]. - The guidance for net charge-offs (NCOs) is set at 1.8%-2%, with expectations of maintaining this range despite macroeconomic challenges [40][45]. Competitive Landscape - The auto finance market is becoming more competitive, but Ally continues to show resilience through strong dealer relationships and increased application volumes [36][39]. - The company emphasizes responsible growth, focusing on risk and return rather than chasing growth aggressively [55]. Funding and Capital Allocation - Ally is approximately 85%-90% deposit funded, allowing for strategic growth without the need to stretch for additional funding [56]. - The company has reinitiated share repurchase authorization, reflecting confidence in its capital generation and growth trajectory [63][65]. - Credit risk transfers (CRTs) are viewed as an attractive source of capital, with plans to continue utilizing them in a measured way [66][67]. Regulatory Environment - Ally anticipates upcoming changes from the Fed regarding Basel III, expecting improvements that will benefit the industry [68][69]. Conclusion - Ally Financial remains focused on execution and leveraging its culture to navigate the current macroeconomic environment, with no changes to guidance or strategic direction since January [70].

Core Insights - The average out-of-network ATM transaction fee has reached $4.86, marking a 9-cent increase from the previous year and more than doubling since 1998 when it was $1.97 [2][9] - ATM fees consist of two components: the operator fee averaging $3.22 and the bank's out-of-network fee averaging $1.64 [3][4][7] - International ATM withdrawals incur additional charges, typically a flat fee of $2–$5 plus a percentage-based fee of 1%–3% of the withdrawal amount [5][7] ATM Fees Overview - The average surcharge for ATM operators is $3.22 per transaction, which is disclosed on the ATM screen before completing the withdrawal [3] - The average bank-imposed out-of-network fee is $1.64 per transaction, with some banks waiving this fee or reimbursing it up to a monthly limit [4] - Using an out-of-network ATM once a week could result in approximately $253 in fees annually [7] International Transaction Fees - International ATM withdrawals may include a flat fee and a percentage-based foreign transaction fee, with examples such as Bank of America charging $5 plus 3% and Ally Bank capping its fee at 1% [5] Comparison of Financial Institutions - Various banks and credit unions have different policies regarding ATM fees and reimbursements, with some offering unlimited domestic reimbursements while others have specific limits [6][8] - For instance, Ally Bank has over 75,000 free in-network ATMs and offers up to $10 in reimbursements per month, while Bank of America has about 15,000 in-network ATMs with a $2.50 out-of-network fee [6][8] Historical Fee Trends - ATM fees have increased significantly over the past two decades, with the average combined fee for an out-of-network withdrawal rising from $1.97 in 1998 to $4.86 today, reflecting an increase of nearly 150% [9]

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 10-K (Exact name of registrant as specified in its charter) (State or other jurisdiction of incorporation or organization) (I.R.S. Employer Identification No.) Delaware 38-0572512 ☑ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2025, or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the tra ...

Core Insights - SoFi Technologies and Ally Financial reported contrasting fourth-quarter earnings, with SoFi beating estimates but experiencing a significant drop in share price, while Ally missed estimates but saw a smaller decline in its stock price [2][7] SoFi Technologies - SoFi achieved $1.03 billion in revenue and $0.13 EPS, exceeding expectations [3][5] - The company added 1 million members in Q4, bringing the total to 13.7 million [3] - Home loan originations doubled, and personal loans grew by 43% [3] - Fee-based revenue reached $443 million, a 53% increase, driven by crypto trading and the launch of SoFiUSD stablecoin [3] - CEO Anthony Noto projected $4.655 billion in revenue for 2026, indicating a 30% growth rate and $0.60 EPS [3][5] - SoFi's strategy focuses on becoming a comprehensive financial platform, with risks tied to execution and potential slowdowns in crypto adoption or loan demand [5] Ally Financial - Ally reported $2.12 billion in revenue, missing the $2.19 billion estimate, and EPS of $0.95, falling short of the $1.05 consensus [4][5] - Net income surged 178% year-over-year to $300 million, with a record $43.7 billion in consumer auto loans originated for the year [4] - The company resumed its $2 billion share buyback program and maintained a quarterly dividend of $0.30, resulting in a 2.9% dividend yield [4][6] - Ally's strategy is centered on the stabilization of auto lending as interest rates normalize, with a cautious outlook and no guidance for 2026 [6]

Core Insights - SoFi Technologies and Ally Financial have shown contrasting market reactions following their Q4 earnings reports, with SoFi's shares down 25% year-to-date despite beating estimates, while Ally's shares are down only 9% after missing estimates [1] Group 1: Financial Performance - SoFi reported Q4 revenue of $1.03 billion and EPS of $0.13, exceeding expectations [1] - Ally's Q4 revenue was $2.12 billion, missing the $2.19 billion estimate, with an EPS of $0.95 falling short of the $1.05 consensus [1] - Ally's net income surged 178% year-over-year to $300 million, while SoFi added 1 million members in Q4, bringing its total to 13.7 million [1] Group 2: Growth and Strategy - SoFi aims for a revenue target of $4.655 billion by 2026, indicating a growth rate of 30%, focusing on crypto and lending scale [1] - Ally's strategy revolves around stabilizing auto lending as interest rates normalize, with a record $43.7 billion in consumer auto loans originated for the year [1] - SoFi's fee-based revenue increased by 53% to $443 million, driven by crypto trading and the launch of SoFiUSD stablecoin [1] Group 3: Valuation and Market Sentiment - SoFi has a high P/E ratio of 50, which requires flawless execution to justify, while Ally's P/E ratio is 17, indicating a more stable valuation [1] - Analyst target prices suggest limited near-term upside for SoFi at $26.87, while Ally's target of $52.76 implies a 29% upside [1] - Retail sentiment around SoFi is showing bullish positioning, particularly in options markets following its earnings report [1]

Core Insights - Ally Financial demonstrated solid operational performance in 2025, with expectations for continued growth into 2026, particularly in net interest margin and customer acquisition [5][6][12] Financial Performance - Retail auto credit losses were reported at 1.97%, with a flat expense structure and an increase in the CET1 ratio [1] - The net interest margin was around 350 basis points at year-end 2025, with expectations for a full-year margin of 360 to 370 basis points [6] - Ally's retail auto net charge-off guidance for 2026 is projected between 1.8% and 2.0%, with current trends indicating a midpoint expectation [9] Business Segments - The company focuses on three key operating businesses: Dealer Financial Services, insurance, and Corporate Finance, supported by a strong deposits franchise [4] - In Corporate Finance, Ally maintains a low average annualized loss rate of about 30 basis points since going public in 2014, while the asset base has grown [2] - Ally's insurance segment is expected to grow, although not linearly, due to various external factors impacting performance [10] Strategic Focus - Ally's strategic shift emphasizes strengthening core franchises and enhancing dealer relationships, which has led to record application flow and written premiums in insurance [3][4] - The company aims to leverage structural tailwinds for margin expansion, particularly through higher-yielding loans replacing lower-yielding securities [7] Customer and Deposit Growth - Ally has achieved 67 consecutive quarters of customer growth since its inception in 2009, indicating a strong customer acquisition strategy [1] - Deposit balances were flat in 2025, but the company anticipates that asset growth will typically lead to deposit growth in 2026, supported by alternative funding sources [12] Capital Management - Ally expects sufficient capital generation to support loan growth, dividends, and buybacks, with a goal of improving the CET1 ratio to the "nines over time" [13] - The company views buybacks as part of a balanced approach to capital management, considering valuation and strategic objectives [13]

Group 1 - The article does not provide any relevant content regarding the company or industry [1]

Ally Financial 2026 Conference Summary Company Overview - **Company**: Ally Financial (NYSE: ALLY) - **Date of Conference**: February 10, 2026 Key Points Financial Performance and Strategy - **2025 Performance**: Ally Financial reported strong operational execution across all business segments, leading to a 62% year-over-year increase in earnings [2][6] - **Strategic Shift**: The company has made a strategic pivot to focus on core franchises, which have evolved over the past 5-10 years, creating a durable competitive advantage [3][4] - **Core Franchises**: The core businesses include dealer financial services, corporate finance, and deposits, which are seen as essential for generating higher risk-adjusted returns [3][5] Business Segments - **Dealer Financial Services**: Ally is a diversified lender that has built strong relationships with dealer customers, resulting in record application flow and written premiums in insurance [4][18] - **Corporate Finance**: The corporate finance segment has a strong reputation for speed and collaboration, with an average annualized loss rate of about 30 basis points since going public in 2014 [5][29] - **Deposits Franchise**: The deposits business is described as the "oxygen" for lending operations, with 67 consecutive quarters of customer growth and a focus on customer experience [5][6][35] Guidance and Expectations - **2026 Guidance**: Ally expects to achieve mid-teens returns, contingent on maintaining a net interest margin in the upper threes and retail auto credit losses below 2% [9][12] - **Loan Growth**: Projected growth in average earning assets is expected to be between 2%-4%, with retail auto and corporate finance likely exceeding this range [38][40] - **Expense Management**: Ally aims for 1% growth in operating expenses while expecting revenue growth in the high single digits, indicating a focus on cost discipline [41][42] Competitive Landscape - **Increased Competition**: The auto finance sector has seen intensified competition, but Ally believes its comprehensive value proposition and long-standing relationships with dealers provide a competitive edge [16][19] - **Impact of New Entrants**: The recent charter approvals for GM and Ford by the FDIC are acknowledged, but Ally remains confident in its established market position and unique offerings [19][20] Risk Management and Credit Quality - **Credit Guidance**: The company has set a retail auto net charge-off range of 1.8%-2% for the year, with a focus on maintaining strong portfolio performance [21][22] - **Consumer Resilience**: Despite a slight increase in unemployment, Ally reports resilience in consumer behavior and confidence in its portfolio quality [23][24] Insurance Business - **Growth Potential**: The insurance segment is viewed as a key growth area, providing capital-efficient fee income and diversification benefits [24][27] - **Synergies with Auto Finance**: There are positive synergies between auto finance and insurance, with increased product density among dealer customers [27] Corporate Finance - **Growth Strategy**: Ally plans to grow its corporate finance segment responsibly, focusing on maintaining risk-adjusted returns and leveraging long-term relationships with private equity firms [28][30][31] Capital Management - **Capital Allocation**: Ally has room to grow its auto loan portfolio while also considering share buybacks, balancing growth opportunities with capital discipline [48][49] - **Valuation Considerations**: The company acknowledges its lower valuation compared to peers but believes that execution and achieving financial targets will ultimately drive stock performance [53] Conclusion - **Optimism for the Future**: The leadership team expresses strong confidence in Ally's growth trajectory across its core franchises, anticipating favorable risk-adjusted returns and a compelling financial outlook [54]

sponsors and middle-market companies. For more information, please visit [www.ally.com].Ally Bank, Member FDIC. 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].CONTACTMegan Rivers; Ally Communications [[email protected]]SOURCE Ally Financial## 21%[more press release views with Request a Demo]## Also from this source### TIME and Ally Financial Name 2026 Dealer of the Year[Ally Financial Inc. ( ...