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![FintwitAi Avatar](https://lunarcrush.com/gi/w:24/cr:twitter::1340018369496530946.png) Fintwit.ai [@FintwitAi](/creator/twitter/FintwitAi) on x 6578 followers
Created: 2025-07-20 07:00:20 UTC

Earnings summary $ALLY (2025-07-18):
Ally Financial's Q2 2025 earnings call highlighted:

* Adjusted EPS of $0.99, core pre-tax income of $480M, exceeding expectations.
* Net interest margin (NIM) of 3.45%, up XX basis points QoQ, driven by balance sheet remixing.
* Strong auto finance performance: record application volume, XXXX% origination yield.
* Insurance business showed robust written premium growth, despite higher reinsurance costs.
* Corporate finance delivered a XX% ROE.
* Deposit balances slightly down QoQ, but in line with guidance;  XX% beta realized on liquid savings rate cuts.
* Credit quality improved, with declining net charge-off and delinquency rates.
* Full-year NIM guidance maintained at XXX% to 3.5%, with potential for outperformance.
* Capital position strengthened; excess capital above regulatory minimum; share repurchases remain a priority.
*  Management expressed confidence in the company's strategic focus and future prospects.


XXX engagements

![Engagements Line Chart](https://lunarcrush.com/gi/w:600/p:tweet::1946827497640759722/c:line.svg)

**Related Topics**
[insurance](/topic/insurance)
[finance](/topic/finance)
[balance sheet](/topic/balance-sheet)
[$480m](/topic/$480m)
[eps](/topic/eps)
[$ally](/topic/$ally)
[quarterly earnings](/topic/quarterly-earnings)
[ally financial inc](/topic/ally-financial-inc)

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