Ally Financial (ALLY) Q3 Earnings: How Key Metrics Compare to Wall Street Estimates

Core Insights - Ally Financial reported a revenue of $2.17 billion for the quarter ended September 2025, marking a 3.1% increase year-over-year and a surprise of +3.57% over the Zacks Consensus Estimate of $2.09 billion [1] - The earnings per share (EPS) was $1.15, up from $0.95 in the same quarter last year, resulting in an EPS surprise of +16.16% compared to the consensus estimate of $0.99 [1] Financial Performance Metrics - Net interest margin was reported at 3.5%, slightly above the estimated 3.4% [4] - The efficiency ratio stood at 57.2%, higher than the average estimate of 55.3% [4] - Net charge-offs to average finance receivables and loans outstanding were 1.2%, better than the estimated 1.4% [4] - Total interest-earning assets averaged $178.73 billion, below the estimated $181.31 billion [4] - Insurance premiums and service revenue earned were $361 million, slightly below the estimate of $363.92 million, but a +0.6% change year-over-year [4] - Net financing revenue was $1.58 billion, exceeding the estimate of $1.56 billion, with a +6.5% change year-over-year [4] - Total other revenue was reported at $584 million, above the average estimate of $533.43 million, but a -5% change year-over-year [4] - Other income, net of losses, was $170 million, surpassing the estimate of $148.83 million, with a -3.4% change year-over-year [4] - Total financing revenue and other interest income was $3.39 billion, slightly below the estimate of $3.41 billion, reflecting a -5.2% change year-over-year [4] Stock Performance - Ally Financial's shares have returned -13.8% over the past month, contrasting with the Zacks S&P 500 composite's +0.7% change [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market in the near term [3]