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Key Takeaways Ally Financial's adjusted EPS of $1.15 beat estimates, driving a 3.6% stock gain post results.ALLY's revenues rose 1.5% y/y, exceeding estimates, supported by higher net finance revenues.Loans and deposits rose slightly from the previous quarter, reflecting steady consumer activity.ALLY Quick Quote - Shares of Ally Financial ( Free Report ) gained 3.6% following the release of its better-than-expected third-quarter 2025 results. Adjusted earnings of $1.15 per share surpassed the Zacks Consen ...

Top Wall Street analysts changed their outlook on these top names. For a complete view of all analyst rating changes, including upgrades, downgrades and initiations, please see our analyst ratings page.Considering buying KLAC stock? Here’s what analysts think: Read This Next: Photo via ShutterstockLoading...Loading... ...

Key insight: Even amid challenging conditions for the auto industry, Ally Financial posted third-quarter earnings that outpaced analysts' estimates. Supporting Data: Ally's earnings per share for the quarter were $1.18, beating S&P's consensus estimate of 96 cents. Expert Quote: "There's certainly a number of things to watch, but right now the momentum is pretty solid," said Ally CFO Russ Hutchinson. It's been a troubled period for the auto industry, as delinquency rates rise and two high-profile comp ...

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Core Insights - Investor fears regarding worsening credit conditions eased as regional bank earnings provided relief after a significant market downturn [1][2] - The KBW regional bank index rose after a sharp decline of 6% on Thursday, marking its worst single-day pullback since April [1] Group 1: Regional Bank Earnings - Investors reacted positively to earnings reports from regional banks such as Truist Financial, Fifth Third Bancorp, Huntington Bancshares, and Ally Financial, with most stocks rising in early trading [2] - Loan loss provisions were lower than analysts' expectations for most banks, except for Huntington [2] Group 2: Credit Quality and Risks - Trust CEO Bill Rogers stated that overall credit quality remains strong, despite some idiosyncratic events in the market [3] - The scrutiny of regional banks increased after Western Alliance and Zions disclosed bad loans linked to fraud, causing significant stock declines [4] - Concerns were heightened by recent bankruptcies in the auto lending sector, with Fifth Third reporting a $200 million increase in net charge-offs compared to the previous quarter [6] Group 3: Market Reactions - Stocks of Western Alliance and Zions recovered on Friday after their initial declines, along with Jefferies Financial, which was affected by an auto parts supplier's bankruptcy [4] - Investors in the sector tend to react quickly to credit concerns, often selling first and asking questions later [5]

For the quarter ended September 2025, Ally Financial (ALLY) reported revenue of $2.17 billion, up 3.1% over the same period last year. EPS came in at $1.15, compared to $0.95 in the year-ago quarter.The reported revenue represents a surprise of +3.57% over the Zacks Consensus Estimate of $2.09 billion. With the consensus EPS estimate being $0.99, the EPS surprise was +16.16%.While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Stree ...

Financial Data and Key Metrics Changes - Adjusted EPS increased by 166% year over year to $1.15 per share [5] - Core ROTCE was 15% on a headline basis and about 12% excluding the impact of AOCI [6] - Adjusted net revenue reached $2.2 billion, up 3% year over year, and 9% excluding the sale of the credit card business [6][19] - Net interest margin expanded to 3.55%, up 10 basis points quarter over quarter [6][21] - CET1 ratio of 10.1% equates to $4.5 billion of excess capital above regulatory minimum [7][24] Business Line Data and Key Metrics Changes - Dealer Financial Services reported consumer originations of $11.7 billion, driven by a record 4 million applications [10][30] - Insurance business recorded core pretax income of $52 million, up $6 million year over year [32] - Corporate Finance generated a 30% ROE with a 10% growth in the loan portfolio [12] Market Data and Key Metrics Changes - The digital bank ended the quarter with $142 billion in balances, serving 3.4 million customers [13] - 92% of deposits are FDIC insured, demonstrating the strength of the deposit base [13] Company Strategy and Development Direction - The company is focused on its core franchises, aiming for sustained growth and improved results [15] - The refresh strategy implemented in January has reshaped the organization into a more focused entity [4][5] - The company is leveraging its brand and culture to maintain a competitive edge in the market [9] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in credit performance, noting that consumer behaviors are better than expected despite macro uncertainties [45][46] - The company anticipates modest expansion in portfolio yield and expects full-year net charge-offs to be around 2% [37][38] - Management is committed to disciplined expense management and maintaining a strong capital position [20][25] Other Important Information - The company rolled out its proprietary AI platform, ally.ai, to enhance operational efficiency [8] - The company announced a quarterly common dividend of $0.30 per share, consistent with the prior quarter [26] Q&A Session Summary Question: Concerns about subprime auto and consumer credit trends - Management noted that credit performance metrics are better than expected and that underwriting standards have been tightened [45][46] Question: Expectations for net interest margin (NIM) trajectory - Management provided insights on NIM expansion, indicating it is influenced by Fed rate cuts and competitive market dynamics [48][50] Question: Update on flow to loss trends - Management confirmed that flow to loss rates remain favorable, with delinquency levels decreasing [57] Question: Earning asset expectations and liquidations - Management expects low single-digit growth in earning assets, driven by retail auto and corporate finance [68] Question: Future modifications to the business base - Management expressed satisfaction with the current business mix and indicated no immediate plans for significant changes [75][76] Question: Strength of origination and application volume - Management highlighted record application volumes and the impact of EV lease tax credits on origination strength [81][85]

Financial Data and Key Metrics Changes - Adjusted EPS increased by 166% year-over-year to $1.15 per share, reflecting significant earnings growth [4] - Core ROTCE was 15% on a headline basis and about 12% excluding the impact of AOCI [4] - Adjusted net revenue reached $2.2 billion, up 3% year-over-year, with a 9% increase when excluding the sale of the credit card business [4][12] - Net interest margin expanded to 3.55%, up 10 basis points quarter-over-quarter [4][15] - CET1 ratio of 10.1% equates to $4.5 billion of excess capital above regulatory minimum [4][18] Business Line Data and Key Metrics Changes - Dealer Financial Services reported consumer originations of $11.7 billion, driven by a record 4 million applications [7][24] - Insurance business recorded core pre-tax income of $52 million, up $6 million year-over-year, with total written premiums of $385 million [25] - Corporate finance generated a core pre-tax income of $95 million, reflecting a 30% return on equity [26] Market Data and Key Metrics Changes - The digital bank ended the quarter with $142 billion in balances, serving 3.4 million customers, with deposits representing nearly 90% of total funding [9] - Delinquency rates for retail auto improved to 4.9%, down 30 basis points year-over-year [21] - Consolidated net charge-off rate was 118 basis points, a decline of 32 basis points year-over-year [20] Company Strategy and Development Direction - The company has implemented a refreshed strategy focused on core franchises, resulting in sustained improvement and momentum [3][10] - The emphasis on disciplined expense management and capital allocation is expected to drive long-term value for shareholders [10][19] - The company aims to leverage its brand and culture to maintain competitive advantages in the market [5][6] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in credit performance despite macroeconomic uncertainties, noting better-than-expected consumer behaviors [32][34] - The outlook for net interest margin is expected to migrate to the upper threes over time, influenced by Fed rate cuts [28] - Full-year net charge-offs are projected to be approximately 2% at the low end of the guidance, reflecting positive trends in credit performance [29] Other Important Information - The company rolled out its proprietary AI platform, ally.ai, to enhance operational efficiency [5] - The company announced a quarterly common dividend of $0.30 per share for Q4 2025, consistent with the prior quarter [19] Q&A Session Summary Question: Concerns about subprime auto and consumer credit trends - Management noted that consumer behaviors are better than expected and credit performance remains strong despite macro uncertainties [32][34] Question: Expectations for net interest margin trajectory - Management provided insights on NIM expansion, indicating a historical case study on beta evolution following Fed rate reductions [36][37] Question: Update on flow-to-loss trends - Management confirmed that flow-to-loss rates remain favorable, with delinquency levels continuing to decline [42] Question: Capital return potential and CET1 ratio - Management expressed confidence in capital progress and indicated that share repurchases remain a key priority as capital generation improves [43][45] Question: Earning asset expectations and growth - Management expects low single-digit growth in earning assets, driven by retail auto and corporate finance [49][53]

Ally Financial (ALLY) came out with quarterly earnings of $1.15 per share, beating the Zacks Consensus Estimate of $0.99 per share. This compares to earnings of $0.95 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of +16.16%. A quarter ago, it was expected that this auto finance company and bank would post earnings of $0.78 per share when it actually produced earnings of $0.99, delivering a surprise of +26.92%.Over the last four ...