S&P 500
7,421.80
-0.13%
Dow Jones
52,020.40
-0.21%
Nasdaq 100
29,795.20
-0.24%
Russell 2000
2,998.27
-0.20%
FTSE 100
10,449.60
-0.25%
Nikkei 225
72,108.80
+1.39%
Ally Financial

ALLY Q1 2025 Earnings

Reported Apr 17, 2025 at 7:36 AM ET · SEC Source

Q1 25 EPS

$0.58

BEAT +36.76%

Est. $0.42

Q1 25 Revenue

$1.54B

MISS 21.79%

Est. $1.97B

vs S&P Since Q1 25

+10.8%

BEATING MARKET

ALLY +50.1% vs S&P +39.3%

Market Reaction

Did ALLY Beat Earnings? Q1 2025 Results

Ally Financial delivered a sharply mixed first quarter, posting adjusted EPS of $0.58 against a consensus estimate of $0.42, a beat of 36.76%, even as reported revenue of $1.54 billion fell 21.79% short of the $1.97 billion Wall Street expected and t… Read more Ally Financial delivered a sharply mixed first quarter, posting adjusted EPS of $0.58 against a consensus estimate of $0.42, a beat of 36.76%, even as reported revenue of $1.54 billion fell 21.79% short of the $1.97 billion Wall Street expected and tumbled 62.6% year-over-year. The headline gap was largely an artifact of strategic transformation: a $4.10 billion securities repositioning generated a $495 million pre-tax loss, dragging Ally to a GAAP net loss of $253 million, while the sale of its credit card portfolio further distorted top-line comparisons. Strip those charges away, and the underlying business showed genuine momentum, core pre-tax income of $247 million represented a 27% year-over-year improvement, with Auto Finance generating $375 million in pre-tax income on a record 3.8 million applications. Net interest margin expanded to 3.35%, and retail deposits grew to $146.10 billion. Management reiterated full-year NIM guidance of 3.40%–3.50%, though executives noted they are watching tariff-related pressures closely, acknowledging that momentum could build further as repositioning benefits compound.

Key Takeaways

  • • Record 3.8 million consumer auto applications driving $10.2 billion in originations
  • • Net interest margin (ex. OID) expanded 16 bps YoY to 3.35%
  • • Average retail deposit rate declined 50 bps YoY to 3.75%, reducing funding costs
  • • Retail auto portfolio yield (ex. hedge) increased 46 bps YoY to 9.11%
  • • 64 consecutive quarters of retail deposit customer growth, adding 58K net new customers
  • • Corporate Finance delivered 25% ROE with 13% HFI loan growth
  • • Insurance written premiums up 9% YoY to $385 million, a first quarter record
  • • Provision for credit losses declined $316 million YoY to $191 million, driven by card reserve release and lower retail auto NCOs
  • • Core ROTCE improved to 8.3% from 5.9% in Q1 2024
  • • Adjusted efficiency ratio improved to 56.0% from 59.8% in Q1 2024
  • • Adjusted noninterest expense declined to $928 million from $958 million in Q1 2024
24/7 Wall St

ALLY YoY Financials

Q1 2025 vs Q1 2024, source: SEC Filings

24/7 Wall St

ALLY Revenue by Segment

With YoY comparisons, source: SEC Filings

Q2 24 Q1 26

“Ally delivered solid first quarter results, reflecting continued momentum across our market-leading franchises – Dealer Financial Services, Deposits, and Corporate Finance. Our performance demonstrates the importance of our focused approach, disciplined execution, and unwavering commitment to delivering value for our customers and shareholders.”

— Michael Rhodes, Q1 2025 Earnings Press Release

Back to ALLY Stock Page