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Created: 2025-07-18 21:56:34 UTC

$ALLY Ally Financial Inc. Earnings Call Key Highlights: (1/2)

📊 Financial Performance & Earnings

Adjusted EPS for Q2 2025 was $0.99, with core pre-tax income of $XXX million, both reflecting double-digit YoY growth. GAAP EPS came in at $XXXX.

Net interest margin (NIM), excluding core OID, expanded to 3.45%, up XX basis points sequentially, despite a XX basis point drag from the credit card portfolio sale.

Core return on tangible common equity (ROTCE) was 13.6%, or XX% when adjusted for AOCI benefits, indicating healthy and sustainable profitability.

Adjusted noninterest expense declined for the seventh consecutive quarter on a controllable basis, emphasizing strong cost discipline.

🚗 Auto Finance Performance

Retail auto originations reached $XX billion, driven by a record XXX million applications, reinforcing Ally’s position as the top bank auto lender in the U.S.

Originated yield on new retail auto loans stood at 9.82%, up slightly QoQ; XX% of volume came from the S-tier (highest credit quality), marking nine consecutive quarters above 40%.

Net charge-off (NCO) rate in retail auto improved X basis points YoY to 1.75%, and delinquencies showed the first YoY improvement since 2021 at 4.88%.

Management highlighted improving flow-to-loss rates, stable used car prices, and disciplined credit underwriting as key drivers of portfolio strength.

🏦 Deposit Trends & Digital Bank

Ended Q2 with $XXX billion in deposits, a $X billion QoQ decline consistent with expected seasonal tax-related outflows and April guidance.

Ally’s all-digital bank added net new customers for the 65th consecutive quarter, reaching XXX million accounts, with customer satisfaction around 90%.

Liquid savings pricing was lowered by XX basis points in June, bringing the cumulative beta to XX% since the start of the Fed’s easing cycle.

Deposits represent XX% of interest-bearing liabilities, and XX% are FDIC insured, reinforcing the institution’s funding stability and strategic resilience.

📈 Corporate Finance & Loan Growth

Corporate Finance delivered a XX% ROE for the quarter, supported by strong syndication fee income and prudent loan growth.

Portfolio loans reached $XX billion, up $XXX billion YoY, with no new non-performing loans or reserves recorded, and criticized assets remained at historically low levels.

Yield on the Corporate Finance book remains attractive due to floating rate structures and stable underwriting standards.

The team continues to explore new verticals and product offerings to further diversify and grow accretive business lines.

🛡️ Insurance Business Overview

Insurance segment posted a $X million core pre-tax loss, impacted by higher reinsurance costs due to policy renewal and increased exposure.

Written premiums were $XXX million, up $X million YoY but down sequentially due to the excess of loss policy cost, which is recognized upfront.

Dealer inventory exposure rose XX% YoY to $X billion, with active policies reaching XXX million—a gain of over X million since IPO.

Weather-related losses remained in line with historical averages, and management remains optimistic about long-term premium growth and operating leverage

![](https://pbs.twimg.com/media/GwK_PEWXMAAZwOM.png)

XXX engagements

![Engagements Line Chart](https://lunarcrush.com/gi/w:600/p:tweet::1946328265313935829/c:line.svg)

**Related Topics**
[credit cards](/topic/credit-cards)
[eps](/topic/eps)
[quarterly earnings](/topic/quarterly-earnings)
[$ally](/topic/$ally)
[ally financial inc](/topic/ally-financial-inc)
[stocks financial services](/topic/stocks-financial-services)

[Post Link](https://x.com/LongYield/status/1946328265313935829)

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LongYield Avatar LongYield @LongYield on x 4471 followers Created: 2025-07-18 21:56:34 UTC

$ALLY Ally Financial Inc. Earnings Call Key Highlights: (1/2)

📊 Financial Performance & Earnings

Adjusted EPS for Q2 2025 was $0.99, with core pre-tax income of $XXX million, both reflecting double-digit YoY growth. GAAP EPS came in at $XXXX.

Net interest margin (NIM), excluding core OID, expanded to 3.45%, up XX basis points sequentially, despite a XX basis point drag from the credit card portfolio sale.

Core return on tangible common equity (ROTCE) was 13.6%, or XX% when adjusted for AOCI benefits, indicating healthy and sustainable profitability.

Adjusted noninterest expense declined for the seventh consecutive quarter on a controllable basis, emphasizing strong cost discipline.

🚗 Auto Finance Performance

Retail auto originations reached $XX billion, driven by a record XXX million applications, reinforcing Ally’s position as the top bank auto lender in the U.S.

Originated yield on new retail auto loans stood at 9.82%, up slightly QoQ; XX% of volume came from the S-tier (highest credit quality), marking nine consecutive quarters above 40%.

Net charge-off (NCO) rate in retail auto improved X basis points YoY to 1.75%, and delinquencies showed the first YoY improvement since 2021 at 4.88%.

Management highlighted improving flow-to-loss rates, stable used car prices, and disciplined credit underwriting as key drivers of portfolio strength.

🏦 Deposit Trends & Digital Bank

Ended Q2 with $XXX billion in deposits, a $X billion QoQ decline consistent with expected seasonal tax-related outflows and April guidance.

Ally’s all-digital bank added net new customers for the 65th consecutive quarter, reaching XXX million accounts, with customer satisfaction around 90%.

Liquid savings pricing was lowered by XX basis points in June, bringing the cumulative beta to XX% since the start of the Fed’s easing cycle.

Deposits represent XX% of interest-bearing liabilities, and XX% are FDIC insured, reinforcing the institution’s funding stability and strategic resilience.

📈 Corporate Finance & Loan Growth

Corporate Finance delivered a XX% ROE for the quarter, supported by strong syndication fee income and prudent loan growth.

Portfolio loans reached $XX billion, up $XXX billion YoY, with no new non-performing loans or reserves recorded, and criticized assets remained at historically low levels.

Yield on the Corporate Finance book remains attractive due to floating rate structures and stable underwriting standards.

The team continues to explore new verticals and product offerings to further diversify and grow accretive business lines.

🛡️ Insurance Business Overview

Insurance segment posted a $X million core pre-tax loss, impacted by higher reinsurance costs due to policy renewal and increased exposure.

Written premiums were $XXX million, up $X million YoY but down sequentially due to the excess of loss policy cost, which is recognized upfront.

Dealer inventory exposure rose XX% YoY to $X billion, with active policies reaching XXX million—a gain of over X million since IPO.

Weather-related losses remained in line with historical averages, and management remains optimistic about long-term premium growth and operating leverage

XXX engagements

Engagements Line Chart

Related Topics credit cards eps quarterly earnings $ally ally financial inc stocks financial services

Post Link

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