Q3 25 EPS
$1.15
BEAT +14.08%
Est. $1.01
Q3 25 Revenue
$2.17B
BEAT +2.88%
Est. $2.11B
vs S&P Since Q3 25
+7.8%
BEATING MARKET
ALLY +18.2% vs S&P +10.4%
Market Reaction
Did ALLY Beat Earnings? Q3 2025 Results
Ally Financial capped a strong third quarter of 2025 with adjusted EPS of $1.15, beating the $1.01 consensus by 14.08%, while revenue of $2.17 billion edged past the $2.11 billion estimate by 2.88%, a headline that looks more compelling once you acco… Read more Ally Financial capped a strong third quarter of 2025 with adjusted EPS of $1.15, beating the $1.01 consensus by 14.08%, while revenue of $2.17 billion edged past the $2.11 billion estimate by 2.88%, a headline that looks more compelling once you account for the -48.1% year-over-year revenue decline driven almost entirely by the April 2025 divestiture of its Credit Card business. The real story was the resurgence in Dealer Financial Services, where record consumer auto application volume produced $11.70 billion in originations, up 25% year over year, with disciplined underwriting keeping 42% of volume in the highest credit quality tier. Credit quality improved meaningfully, with retail auto net charge-offs falling 36 basis points to 1.88% and provision expense dropping $230 million year over year. Net interest margin excluding OID expanded to 3.55%, up 23 basis points year over year, and management narrowed full-year NIM guidance to 3.45%–3.50%, signaling continued confidence, a dynamic worth watching for digital bank investors weighing Ally against fintech peers.
Key Takeaways
- • Record 4.0 million consumer auto applications driving $11.7 billion in originations, up 25% YoY
- • Net interest margin ex. OID expanded 23 bps YoY to 3.55% as higher-yielding auto vintages reprice portfolio
- • Retail auto net charge-off rate declined 36 bps YoY to 1.88%, reflecting improving credit trends
- • Provision for credit losses decreased $230 million YoY to $415 million
- • Deposit cost reduction with average retail deposit rate down 70 bps YoY to 3.48%
- • Corporate Finance delivered 30% ROE with no new non-performing loans and no charge-offs
- • Sale of Credit Card business completed April 1, 2025, simplifying operations
ALLY YoY Financials
Q3 2025 vs Q3 2024, source: SEC Filings
ALLY Revenue by Segment
With YoY comparisons, source: SEC Filings
“This quarter's results represent another clear proof point of our continued progress toward improved returns. Across each of our core businesses, we are seeing the benefits of sharper strategic alignment and disciplined execution.”
— Michael Rhodes, Q3 2025 Earnings Press Release
ALLY Earnings Trends
ALLY vs Market 30 Day Price Reactions
30-day stock return vs benchmark after each earnings
ALLY EPS Trend
Earnings per share: estimate vs actual
ALLY Revenue Trend
Quarterly revenue: estimate vs actual
ALLY Quarterly Results
10 quarters of earnings data
| Quarter | EPS Est. | EPS Act. | Surprise | Revenue | Rev. Surprise |
|---|---|---|---|---|---|
| Q1 26 BEAT | $0.94 | $1.11 | +17.93% | $2.10B | -1.68% |
| Q4 25 BEAT FY | $1.02 | $1.09 | +6.54% | $2.12B | -0.94% |
| FY Full Year | — | $3.81 | — | $7.91B | — |
| Q3 25 BEAT | $1.01 | $1.15 | +14.08% | $2.17B | +2.88% |
| Q2 25 BEAT | $0.80 | $0.99 | +23.86% | $2.08B | +2.20% |
| Q1 25 BEAT | $0.42 | $0.58 | +36.76% | $1.54B | -21.79% |
| Q4 24 BEAT FY | $0.57 | $0.78 | +36.53% | $2.03B | +0.08% |
| FY Full Year | $2.95 | $2.35 | -20.44% | $8.18B | +0.80% |
| Q3 24 BEAT | $0.53 | $0.95 | +79.25% | $2.10B | +3.59% |
| Q2 24 BEAT | $0.64 | $0.97 | +51.56% | $2.00B | -1.48% |
| Q1 24 BEAT | $0.33 | $0.45 | +36.36% | $1.99B | +1.48% |
| Q4 23 BEAT FY | $0.45 | $0.45 | +0.00% | $2.07B | +3.57% |
| FY Full Year | — | $3.05 | — | $8.21B | — |