Ally Financial Inc. (ALLY) Form 8-K — Oct 20, 2026
Ally Financial reported third quarter 2026 results with GAAP EPS of $1.30 (up from $1.18 a year ago) and Adjusted EPS of $1.34, on GAAP total net revenue of $2.3 billion, up 8% year over year. Core pre-tax income of $581 million rose 16% YoY and Core ROTCE improved 80 bps to 13.1%. Growth was broad-based: consumer auto originations hit $12.9 billion (up 10% YoY) on record application volume, retail deposits held at $141.9 billion, and Ally Bank added customers for a 70th consecutive quarter. NIM ex.
Key figures
- Eps
- 1.3
- Revenue
- 2332000000
- Guidance
- 2026 outlook: NIM ex. OID 3.60%-3.65%, adjusted other revenue up 2%-4%, retail auto NCO 1.2%-1.3% tracking toward midpoint, consolidated NCO tracking toward low-end, adjusted noninterest expense flat to up 1%, average earning assets up 5%-6%, tax rate 20%-22%.
- Net Income
- 401000000
- Revenue Yoy
- 8%
- Cash Position
- 7500000000
- Shares Outstanding
- 300538000
- Cet1 ratio
- 10.2%
- Core rotce
- 13.1%
- Nim ex oid
- 3.66%, up 11 bps YoY
- Adjusted eps
- 1.34
- Total assets
- $203 billion
- Total deposits
- $155.8 billion
- Retail deposits
- $141.9 billion
- Share repurchases
- $178 million in the quarter
- Core pretax income
- $581 million, up 16% YoY
- Gaap pretax income
- $567 million, up 11% YoY
- Retail auto nco rate
- 1.89%, up 1 bp YoY
- Q4 dividend per share
- 0.35
- Return on common equity
- 12.1%
- Auto credit risk transfer
- $6 billion, ~25 bps CET1 benefit
- Net new deposit customers
- 59 thousand, 3.6 million total
- Adjusted total net revenue
- $2,346 million
- Consumer auto originations
- $12.9 billion, up 10% YoY
- Provision for credit losses
- $529 million, up $114 million YoY
- Retail auto 30plus delinquencies
- 4.96%, up 6 bps YoY
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