Financial Data and Key Metrics Changes - In Q1 2025, adjusted earnings per share were 58 cents, with core pre-tax income of $247 million and adjusted net revenue of $2.1 billion, reflecting solid execution across core businesses [14][15] - Net interest margin for the quarter was 3.35%, up two basis points compared to the previous quarter [14][36] - The company reported a GAAP loss per share of 82 cents for the quarter, primarily due to a pre-tax loss related to securities repositioning [35] Business Line Data and Key Metrics Changes - In the auto finance business, consumer originations reached $10.2 billion, driven by 3.8 million applications, the highest quarterly application volume ever [19] - Insurance written premiums were $385 million, representing a 9% year-over-year increase, supported by new relationships and growth in P&C exposure [21] - Corporate finance delivered pre-tax income of $76 million with a 25% return on equity, demonstrating resilience across economic cycles [23][64] Market Data and Key Metrics Changes - The company serves 3.3 million customers with deposits reaching $146 billion, up nearly $3 billion quarter-over-quarter [26] - The average number of Ally F&I insurance products sold per dealer increased to 2.2%, the highest since the IPO [22] - The consolidated net charge-off rate was 150 basis points, a decline of nine basis points from the prior quarter [45] Company Strategy and Development Direction - The company is focused on simplifying its organization and prioritizing resources in areas with demonstrated competitive advantage [12] - A multi-year partnership with the WNBA was announced, establishing Ally as the official banking partner of the league, highlighting the brand's commitment to community engagement [10] - The strategy includes further investment in core franchises: dealer financial services, corporate finance, and deposits for sustainable growth [12][70] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the company's strong position despite macroeconomic uncertainties, emphasizing the importance of focus in navigating challenges [13][73] - The company anticipates some near-term volatility due to changes in trade policy but remains optimistic about long-term economic benefits [73] - Management highlighted the importance of maintaining a disciplined approach to capital management and expense control to drive shareholder value [75] Other Important Information - The transfer of the credit card business to held for sale was completed, which is expected to strengthen the balance sheet [16][41] - The company executed two securities repositioning transactions to reduce interest rate risk and increase net interest income [17][42] - The average carrying value at termination for weaker performing lease units is expected to be lower going forward, improving future lease gains [58] Q&A Session Summary Question: How do tariffs impact the business? - Management acknowledged the evolving uncertainty regarding tariffs but emphasized the company's strong balance sheet and strategic positioning to navigate the environment [82][84] Question: Can you discuss the NIM outlook? - Management reiterated guidance of 3.4% to 3.5% for 2025, considering various rate scenarios and the impact of the credit card business sale [89][103] Question: What is the outlook for credit performance? - Management expressed optimism about stabilizing credit performance, with expectations to reach below 2% loss rates by the end of the year, contingent on macroeconomic factors [110][116] Question: What is the used car price outlook? - Management indicated that used car prices are expected to remain elevated, potentially benefiting the business due to supply-demand dynamics [126][128] Question: How will the company approach unwinding curtailment? - Management stated a cautious approach to unwinding curtailment, closely monitoring market conditions and performance metrics [121][123]

Group 1 - Ally Financial's shares have underperformed over the past year, declining by 12% due to concerns over increased credit losses [1] - The economic outlook is worsening, contributing to fears and pushing shares close to a 52-week low [1] - Q1 earnings did not change market sentiment regarding the company's performance [1]

Forward-Looking Statements and Additional Information Ally Financial Inc. 1Q 2025 Earnings Review April 17, 2025 Contact Ally Investor Relations at (866) 710-4623 or investor.relations@ally.com 1Q 2025 Preliminary Results This presentation and related communications should be read in conjunction with the financial statements, notes, and other information contained in our Annual Reports on Form 10-K, Quarterly Reports on Form 10-Q, and Current Reports on Form 8-K. This information is preliminary and based on ...

Ally Financial (ALLY) came out with quarterly earnings of $0.58 per share, beating the Zacks Consensus Estimate of $0.43 per share. This compares to earnings of $0.45 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of 34.88%. A quarter ago, it was expected that this auto finance company and bank would post earnings of $0.57 per share when it actually produced earnings of $0.78, delivering a surprise of 36.84%.Over the last four q ...

Exhibit 99.3 FIRST QUARTER 2025 FINANCIAL SUPPLEMENT ALLY FINANCIAL INC. FORWARD-LOOKING STATEMENTS AND ADDITIONAL INFORMATION This document and related communications should be read in conjunction with the financial statements, notes, and other information contained in our Annual Reports on Form 10-K, Quarterly Reports on Form 10-Q, and Current Reports on Form 8-K. This information is preliminary and based on company and third-party data available at the time of the presentation or related communication. T ...

Ally Financial Inc. (ALLY) Q1 2025 Earnings Conference Call April 17, 2025 07:30 AM ET Company Participants Operator - Conference Call Host/OperatorSean Leary - Head of Investor RelationsMichael Rhodes - CEORuss Hutchinson - CFOOperator - Q&A Facilitator Conference Call Participants Sanjay Sakrani - Analyst, KBWJeff Adelson - Analyst, Morgan StanleyRobert Wildhack - Analyst, Autonomous ResearchMoshe Orenburg - Analyst, TD CowanJohn Arfstrom - Analyst, RBC Capital Markets Operator Good day and thank you for ...

CHARLOTTE, N.C., April 17, 2025 /PRNewswire/ -- Ally Financial Inc. (NYSE: ALLY) today reported its first quarter 2025 results. View full press release in PDF.The news release, presentation and financial supplement can be accessed in the following ways: Ally Financial Press Room at https://media.ally.com Ally Financial Investor Relations website at https://ally.com/about/investor/Ally will host a conference call at 9 a.m. ET to review the company's performance. The call will include a review of the results, ...

Wall Street analysts forecast that Ally Financial (ALLY) will report quarterly earnings of $0.46 per share in its upcoming release, pointing to a year-over-year increase of 2.2%. It is anticipated that revenues will amount to $1.95 billion, exhibiting a decline of 1.9% compared to the year-ago quarter.The consensus EPS estimate for the quarter has been revised 1.3% lower over the last 30 days to the current level. This reflects how the analysts covering the stock have collectively reevaluated their initial ...

Core Insights - Ally Financial Inc. has announced a multi-year partnership with the WNBA, becoming the official banking partner and a WNBA Changemaker, aimed at enhancing engagement with fans and promoting women's sports [1][2][9] Partnership Details - Ally will serve as the presenting partner of the WNBA's first-ever "Rivals Week," scheduled for August 9-17, 2025, featuring key matchups that highlight team rivalries and player competitions [3][4] - The partnership includes a new endorsement deal with incoming rookie Paige Bueckers, complementing existing relationships with players like Breanna Stewart and Sydney Colson [5][8] Marketing Initiatives - Ally is launching the "That's A 'Savings' Bucket" sweepstakes, offering fans a chance to win a trip to the AT&T WNBA All-Star 2025 in Indianapolis and $5,000 towards savings [6][10] - The partnership will also feature Ally as the presenting partner of WNBA All-Star Voting and a logo patch partner for the All-Star Game jerseys [8] Strategic Goals - Ally's partnership aligns with its 50/50 Pledge, aiming for parity in paid media spending between women's and men's sports by 2026, a year ahead of schedule [9][11] - The WNBA is recognized as a rapidly growing brand, ranked as the fastest-growing brand in 2024 and fourth on Fast Company's list of the World's 50 Most Innovative Companies of 2025 [13]

Wall Street expects a year-over-year increase in earnings on lower revenues when Ally Financial (ALLY) reports results for the quarter ended March 2025. While this widely-known consensus outlook is important in gauging the company's earnings picture, a powerful factor that could impact its near-term stock price is how the actual results compare to these estimates.The stock might move higher if these key numbers top expectations in the upcoming earnings report, which is expected to be released on April 17. O ...