Ally Financial Inc. (ALLY) Q3 FY2026 earnings

Reported results

• GAAP EPS of $1.30 was up 10% year over year; Adjusted EPS of $1.34 was up 16% year over year
• GAAP pre-tax income of $567 million was up 11% year over year; Core pre-tax income of $581 million was up 16% year over year
• Return on Common Equity of 12.1% was up 20 bps year over year; Core ROTCE of 13.1% was up 80 bps year over year
• Consumer auto originations of $12.9 billion, up 10% year over year, with estimated retail auto originated yield of 9.44%
• GAAP Total Net Revenue of $2.3 billion, up 8% year over year; Adjusted Total Net Revenue of $2.3 billion, up 9% year over year
• Common equity tier 1 ratio of 10.2% was up 10 bps year over year; announced 4Q 2026 common dividend of $0.35 per share

Notes

Non-GAAP measures are identified throughout the release. Core OID amortization expense is excluded from Core pre-tax income and other non-GAAP measures. Change in fair value of equity securities adjustments are identified separately. The release contains forward-looking statements subject to risks and uncertainties.

Price and volatility reaction

The stock moved +1.0% on the print. No front-expiry chain was on file, so there is no straddle expected move. 30-day ATM implied volatility moved -5.0 vol points across the event (constant-maturity series — not the front-week crush).

Source

The figures above come from the earnings release the company filed with the SEC on 2026-10-20 (8-K, Item 2.02). Read the original filing on sec.gov.