Ally Financial Inc

Ally Financial capped a strong third quarter of 2025 with adjusted EPS of $1.15, beating the $1.0081 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 <a href="https://247wallst.com/investing/2026/02/17/sofi-vs-ally-financial-which-financial-stock-is-the-better-buy-after-2026s-selloff/">worth watching for digital bank investors</a> weighing Ally against fintech peers.