Ally Financial Inc. · NYSE:ALLY
Ally Financial — Q4 2025 Earnings Presentation
25 slides from Ally Financial's earnings presentation, Jan 21, 2026
Slide 1: Fourth Quarter 2025 Financial Supplement
Exhibit 99.3 FOURTH QUARTER 2025 FINANCIAL SUPPLEMENT
Slide 2: Forward-Looking Statements and Additional Information
ALLY FINANCIAL INC. FORWARD-LOOKING STATEMENTS AND ADDITIONAL INFORMATION This document and related communications should be read in conjunction with the financial statements, notes, and other information contained in our Annual Reports on Form 10-K, Quarterly Reports on Form 10-Q, and Current Repor
Slide 3: Table of Contents
ALLY FINANCIAL INC. TABLE OF CONTENTS Page(s) Consolidated Results Consolidated Financial Highlights 4 Consolidated Income Statement 5 Consolidated Period-End Balance Sheet 6 Consolidated Average Balance Sheet 7 Segment Detail Segment Highlights 8 Automotive Finance 9-10 Insurance 11 Corporate Finan
Slide 4: Consolidated Financial Highlights
ALLY FINANCIAL INC. CONSOLIDATED FINANCIAL HIGHLIGHTS ($ in millions, shares in thousands) QUARTERLY TRENDS CHANGE VS. FULL YEAR Selected Income Statement Data 4Q 25 3Q 25 2Q 25 1Q 25 4Q 24 3Q 25 4Q 24 FY 2025 FY 2024 CHANGE Net financing revenue 1,598 1,584 1,516 1,478 1,509 14 89 6,176 6,014 162 (
Slide 5: Consolidated Income Statement
ALLY FINANCIAL INC. CONSOLIDATED INCOME STATEMENT QUARTERLY TRENDS CHANGE VS. FULL YEAR ($ in millions) 4Q 25 3Q 25 2Q 25 1Q 25 4Q 24 3Q 25 4Q 24 FY 2025 FY 2024 CHANGE Financing revenue and other interest income Interest and fees on finance receivables and loans $ 2,690 $ 2,674 $ 2,624 $ 2,709 $ 2,
Slide 6: Consolidated Period-End Balance Sheet
ALLY FINANCIAL INC. CONSOLIDATED PERIOD-END BALANCE SHEET ($ in millions) QUARTERLY TRENDS CHANGE VS. Assets 4Q 25 3Q 25 2Q 25 1Q 25 4Q 24 3Q 25 4Q 24 Cash and cash equivalents Noninterest-bearing $ 405 $ 429 $ 530 $ 543 $ 522 $ (24) $ (117) Interest-bearing 9,625 9,817 10,062 9,866 9,770 (192) (145
Slide 7: Consolidated Average Balance Sheet
ALLY FINANCIAL INC. (1) CONSOLIDATED AVERAGE BALANCE SHEET ($ in millions) QUARTERLY TRENDS CHANGE VS. FULL YEAR 4Q 25 3Q 25 2Q 25 1Q 25 4Q 24 3Q 25 4Q 24 FY 2025 FY 2024 CHANGE Assets Interest-bearing cash and cash equivalents $ 8,983 $ 8,465 $ 8,888 $ 9,345 $ 8,721 $ 518 $ 262 $ 8,918 $ 7,895 $ 1,
Slide 8: Segment Highlights
ALLY FINANCIAL INC. SEGMENT HIGHLIGHTS ($ in millions) QUARTERLY TRENDS CHANGE VS. FULL YEAR Pre-tax Income / (Loss) 4Q 25 3Q 25 2Q 25 1Q 25 4Q 24 3Q 25 4Q 24 FY 2025 FY 2024 CHANGE Automotive Finance $ 372 $ 421 $ 472 $ 375 $ 397 $ (49) $ (25) $ 1,640 $ 1,816 $ (176) Insurance 91 79 28 2 36 12 55 2
Slide 9: Automotive Finance - Condensed Financial Statements
ALLY FINANCIAL INC. AUTOMOTIVE FINANCE - CONDENSED FINANCIAL STATEMENTS ($ in millions) QUARTERLY TRENDS CHANGE VS. FULL YEAR Income Statement 4Q 25 3Q 25 2Q 25 1Q 25 4Q 24 3Q 25 4Q 24 FY 2025 FY 2024 CHANGE Net financing revenue Consumer $ 1,980 $ 1,961 $ 1,918 $ 1,878 $ 1,907 $ 19 $ 73 $ 7,737 $ 7
Slide 10: Automotive Finance - Key Statistics
ALLY FINANCIAL INC. AUTOMOTIVE FINANCE - KEY STATISTICS QUARTERLY TRENDS CHANGE VS. FULL YEAR 4Q 25 3Q 25 2Q 25 1Q 25 4Q 24 3Q 25 4Q 24 FY 2025 FY 2024 CHANGE (1) U.S. Consumer Originations ($ in billions) Retail standard - new vehicle GM $ 1.3 $ 1.2 $ 1.1 $ 1.1 $ 1.1 $ 0.1 $ 0.2 $ 4.8 $ 4.2 $ 0.6 R
Slide 11: Insurance - Condensed Financial Statements and Key Statistics
ALLY FINANCIAL INC. INSURANCE - CONDENSED FINANCIAL STATEMENTS AND KEY STATISTICS ($ in millions) QUARTERLY TRENDS CHANGE VS. FULL YEAR Income Statement (GAAP View) 4Q 25 3Q 25 2Q 25 1Q 25 4Q 24 3Q 25 4Q 24 FY 2025 FY 2024 CHANGE Net financing revenue (1) Total interest and fees on finance receivabl
Slide 12: Corporate Finance - Condensed Financial Statements
ALLY FINANCIAL INC. CORPORATE FINANCE - CONDENSED FINANCIAL STATEMENTS ($ in millions) QUARTERLY TRENDS CHANGE VS. FULL YEAR Income Statement 4Q 25 3Q 25 2Q 25 1Q 25 4Q 24 3Q 25 4Q 24 FY 2025 FY 2024 CHANGE Net financing revenue Total financing revenue and other interest income $ 240 $ 238 $ 233 $ 2
Slide 13: Corporate and Other - Condensed Financial Statements
ALLY FINANCIAL INC. CORPORATE AND OTHER - CONDENSED FINANCIAL STATEMENTS ($ in millions) QUARTERLY TRENDS CHANGE VS. FULL YEAR Income Statement 4Q 25 3Q 25 2Q 25 1Q 25 4Q 24 3Q 25 4Q 24 FY 2025 FY 2024 CHANGE Net financing revenue Total financing revenue and other interest income $ 415 $ 434 $ 444 $
Slide 14: Credit Related Information
ALLY FINANCIAL INC. CREDIT RELATED INFORMATION ($ in millions) QUARTERLY TRENDS CHANGE VS. FULL YEAR (1) Asset Quality - Consolidated 4Q 25 3Q 25 2Q 25 1Q 25 4Q 24 3Q 25 4Q 24 FY 2025 FY 2024 CHANGE Ending loan balance $ 137,454 $ 134,567 $ 133,229 $ 133,485 $ 136,030 $ 2,887 $ 1,424 30+ Accruing DP
Slide 15: Credit Related Information, Continued
ALLY FINANCIAL INC. CREDIT RELATED INFORMATION, CONTINUED ($ in millions) (1) Automotive Finance QUARTERLY TRENDS CHANGE VS. Consumer 4Q 25 3Q 25 2Q 25 1Q 25 4Q 24 3Q 25 4Q 24 Net Charge-offs $ 454 $ 399 $ 366 $ 445 $ 488 $ 55 $ (34) Allowance for loan losses $ 3,208 $ 3,186 $ 3,166 $ 3,144 $ 3,170
Slide 16: Capital
ALLY FINANCIAL INC. CAPITAL ($ in billions) QUARTERLY TRENDS CHANGE VS. Capital 4Q 25 3Q 25 2Q 25 1Q 25 4Q 24 3Q 25 4Q 24 Risk-weighted assets $ 152.8 $ 150.7 $ 151.3 $ 153.7 $ 153.3 $ 2.1 $ (0.5) 10.2 % 1 0.1% 9.9 % 9.5% 9 .8% Common Equity Tier 1 (CET1) capital ratio Tier 1 capital ratio 11.7 % 1
Slide 17: Liquidity and Deposits
ALLY FINANCIAL INC. LIQUIDITY AND DEPOSITS QUARTERLY TRENDS CHANGE VS. Consolidated Available Liquidity ($ in billions) 4Q 25 3Q 25 2Q 25 1Q 25 4Q 24 3Q 25 4Q 24 (1) Liquid cash and cash equivalents $ 9.7 $ 9.5 $ 10.0 $ 9.5 $ 9.6 $ 0.2 $ 0.1 (2) Highly liquid securities 20.3 19.9 19.2 20.3 19.9 0.4
Slide 18: Net Interest Margin
ALLY FINANCIAL INC. NET INTEREST MARGIN ($ in millions) QUARTERLY TRENDS CHANGE VS. FULL YEAR 4Q 25 3Q 25 2Q 25 1Q 25 4Q 24 3Q 25 4Q 24 FY 2025 FY 2024 CHANGE Average Balance Details $ 84,865 $ 84,592 $ 83,858 $ 83,701 $ 83,554 $ 273 $ 1,311 $ 84,258 $ 83,652 $ 606 Retail Auto Loans 8,753 8,255 7,91
Slide 19: Earnings Per Share Related Information
ALLY FINANCIAL INC. EARNINGS PER SHARE RELATED INFORMATION ($ in millions, shares in thousands) QUARTERLY TRENDS CHANGE VS. FULL YEAR Earnings Per Share Data 4Q 25 3Q 25 2Q 25 1Q 25 4Q 24 3Q 25 4Q 24 FY 2025 FY 2024 CHANGE GAAP net income (loss) attributable to common shareholders $ 300 $ 371 $ 324
Slide 20: Adjusted Tangible Book Per Share Related Information
ALLY FINANCIAL INC. ADJUSTED TANGIBLE BOOK PER SHARE RELATED INFORMATION QUARTERLY TRENDS CHANGE VS. ($ in millions, shares in thousands) Adjusted Tangible Book Value Per Share ( Adjusted TBVPS ) Information 4Q 25 3Q 25 2Q 25 1Q 25 4Q 24 3Q 25 4Q 24 Numerator GAAP shareholder's equity $ 15,498 $ 15,
Slide 21: Core ROTCE Related Information
ALLY FINANCIAL INC. CORE ROTCE RELATED INFORMATION ($ in millions) unless noted otherwise QUARTERLY TRENDS CHANGE VS. FULL YEAR Core Return on Tangible Common Equity ( Core ROTCE ) 4Q 25 3Q 25 2Q 25 1Q 25 4Q 24 3Q 25 4Q 24 FY 2025 FY 2024 CHANGE Numerator GAAP net income (loss) attributable to commo
Slide 22: Adjusted Efficiency Ratio Related Information
ALLY FINANCIAL INC. ADJUSTED EFFICIENCY RATIO RELATED INFORMATION ($ in millions) QUARTERLY TRENDS CHANGE VS. FULL YEAR Adjusted Efficiency Ratio Calculation 4Q 25 3Q 25 2Q 25 1Q 25 4Q 24 3Q 25 4Q 24 FY 2025 FY 2024 CHANGE Numerator GAAP Noninterest Expense $ 1,250 $ 1,240 $ 1,262 $ 1,634 $ 1,360 $
Slide 23: Non-GAAP Financial Measures
ALLY FINANCIAL INC. The following are non-GAAP financial measures which Ally believes are important to the reader of the Consolidated Financial Statements, but which are supplemental to and not a substitute for GAAP measures: Accelerated issuance expense (Accelerated OID), Adjusted earnings per shar
Slide 24: Non-GAAP Financial Measures
ALLY FINANCIAL INC. The following are non-GAAP financial measures which Ally believes are important to the reader of the Consolidated Financial Statements, but which are supplemental to and not a substitute for GAAP measures: Accelerated issuance expense (Accelerated OID), Adjusted earnings per shar
Slide 25: Non-GAAP Financial Measures
ALLY FINANCIAL INC. The following are non-GAAP financial measures which Ally believes are important to the reader of the Consolidated Financial Statements, but which are supplemental to and not a substitute for GAAP measures: Accelerated issuance expense (Accelerated OID), Adjusted earnings per shar