Ally(ALLY) - 2026 Q1 - Earnings Call Presentation

Financial Performance - GAAP net income attributable to common shareholders reached $291 million in 1Q 2026, while Adjusted EPS stood at $1.11[10] - Adjusted total net revenue for the quarter was $2.179 billion, reflecting a steady performance compared to previous periods[10] - Core ROTCE reached 11.1% in 1Q 2026, maintaining consistency with the prior quarter[10] - Adjusted efficiency ratio remained stable at 50.8%[10] Business Segment Highlights - Auto Finance segment generated $336 million in pre-tax income, with consumer originations totaling $11.5 billion, a 13% increase year-over-year[41][46] - Insurance segment reported $28 million in pre-tax income and $87 million in core pre-tax income, with written premiums of $389 million[50][54] - Corporate Finance segment achieved $94 million in pre-tax income, supported by $13.7 billion in held-for-investment balances[57][64] Capital and Asset Quality - CET1 ratio was 10.1% in 1Q 2026, providing $4.7 billion of capital above the Federal Reserve Board requirement of 7.1%[26] - Consolidated net charge-off rate was 1.21% in 1Q 2026, showing a 15bps improvement year-over-year[28] - Retail deposit balances remained strong at $146 billion, supported by 68 consecutive quarters of customer growth[16]