$ALLY · Ally Financial Inc.

Ally Financial reported Q3 2026 results with GAAP EPS of $1.30 (up 10% YoY) and adjusted EPS of $1.34 (up 16% YoY). GAAP total net revenue reached $2.3 billion, up 8% YoY, while net financing revenue rose $164 million YoY to $1.7 billion. NIM ex-OID of 3.66% improved 11 bps YoY. Consumer auto originations hit $12.9 billion on record 4.8 million applications. The company announced a $0.35/share Q4 dividend and executed $178 million in share repurchases.

Extended-hours trading shows ALLY at $37.78, up +0.51% vs the regular close of $37.59, suggesting a modestly positive initial reaction to the earnings beat and 16% adjusted EPS growth. Markets were closed at filing time; the first full regular session will provide a cleaner read.

Ally's broad-based beat across originations, NIM, and returns — paired with disciplined capital return — signals a consumer lender executing well even as credit costs rise.

Ally's results reflect a consumer auto lender navigating volume growth while managing credit normalization. The 9.44% estimated retail auto originated yield with 44% of volume in the highest credit tier shows disciplined risk selection in a competitive auto finance market.

Retail auto net charge-offs at 189 bps, up 1 bp YoY, and 30+ day delinquencies at 4.96%, up 6 bps YoY, signal modest consumer credit deterioration. Provision for credit losses jumped $114 million YoY to $529 million on CECL reserve builds tied to asset growth.