Ally Financial reports Q4 adjusted EPS $1.09, consensus $1.02

Core Insights - The company reported a Q4 tangible book value per share of $42.10, an increase from $40.95 in the previous quarter, indicating a positive trend in financial performance [1] - CEO Michael Rhodes highlighted that the performance in 2025 represents a significant advancement, supported by disciplined execution and strategic choices [1] - The company enters 2026 with a stronger foundation and momentum for continued progress, suggesting optimism for future growth [1] Financial Performance - Dealer Financial Services benefited from scale and strong dealer relationships, achieving a record consumer application volume of 15.5 million [1] - The company delivered $43.7 billion in originations with attractive risk-adjusted returns, reflecting effective underwriting practices [1] - The Insurance segment achieved a record $1.5 billion in written premiums, showcasing the company's ability to expand relationships and leverage synergies with Auto Finance [1]