What Analyst Projections for Key Metrics Reveal About Ally Financial (ALLY) Q3 Earnings

Core Viewpoint - Analysts forecast a decline in Ally Financial's quarterly earnings per share (EPS) by 33.7% year-over-year, with an expected EPS of $0.55, while revenues are anticipated to increase by 4.8$2.06 billion [1] Earnings Estimates - The consensus EPS estimate has been revised downward by 14.8% over the past 30 days, indicating a reassessment by analysts [1] - The 'Gain on mortgage and automotive loans, net' is projected to reach $5.71 million, reflecting a year-over-year increase of 42.8$1.51 billion, showing a decrease of 1.8% from the previous year [2] - 'Total other revenue' is forecasted to be $552.07 million, indicating a year-over-year increase of 26.9$344.37 million, representing a year-over-year increase of 7.6% [3] - 'Total financing revenue and other interest income' is projected to be $3.61 billion, reflecting a slight increase of 0.5$158.44 million, indicating a year-over-year increase of 4.2% [3] Financial Ratios and Asset Metrics - The consensus estimate for 'Net interest margin (as reported)' is 3.3%, up from 3.2% in the same quarter last year [3] - The 'Efficiency Ratio' is expected to be 58.5%, improved from 62.6% in the same quarter last year [3] - 'Total interest-earning assets (Average Balances)' are projected to be $183.70 billion, down from$187.92 billion year-over-year [4] - 'Non-performing loans (NPLs)' are expected to be $1.23 billion, a decrease from$1.50 billion in the previous year [4] - The 'Total Capital Ratio' is projected at 12.6%, slightly up from 12.5% year-over-year [4] - 'Tier 1 Capital Ratio' is expected to be 10.9%, compared to 10.7% in the same quarter last year [4] Stock Performance - Ally Financial shares have increased by 8.4% over the past month, outperforming the Zacks S&P 500 composite's increase of 4.3% [4]