Ally Financial Inc. (ALLY) Q3 2025 Earnings Call

Investor webinar replay

Replay transcript excerpt

The third quarter, 2025, Ally Financial Earnings Conference Call. At this time, all participants are in a listen-only mode. After the speaker's presentation, there will be a question and answer session. To ask a question during the session, you will need to press star 11 on your telephone. You will then hear an automated message advising your hand is raised. To withdraw your question, please press star 11 again. Please be advised that today's conference is being recorded. I would now like to hand the conference over to your speaker today, Sean Leary, Chief Financial Planning and Investor Relations Officer. Please go ahead. Thank you, Daniel. Good morning and welcome to Ally Financial's third quarter 2025 earnings call. This morning, our CEO, Michael Rhodes, and our CFO, Russ Hutchinson, will review Ally's results before taking questions. The presentation we'll reference can be found on the investor relations section of our website, ally.com. Forward-looking statements in risk factor language governing today's call are on page two. Gap and non-gap measures pertaining to our operating performance and capital results are on page three. As a reminder, non-gap or core metrics are supplemental to and not a substitute for U.S. gap measures. Definitions and reconciliations can be found in the appendix. And with that, I'll turn the call over to Michael. Thank you, Sean, and good morning, everyone. I appreciate you joining us for our third quarter earnings call. Before we dive into results, I want to reflect on the refreshed strategy we rolled out in January, which has reshaped Ally into a more focused organization. These changes are not cosmetic. They are foundational, and the third quarter provides clear evidence that our strategy is working. If I had to choose one word to d...