Ally Financial has reported its fourth quarter and full-year 2025 financial results, revealing a full-year 2025 earnings per share of $2.37 and adjusted EPS of $3.81. In the fourth quarter, earnings per share amounted to $0.95, with adjusted EPS reaching $1.09.
The company's pre-tax income for full-year 2025 was $1.1 billion, with total net revenue amounting to $7.9 billion, and a return on common equity of 6.0%. The core pre-tax income for the same period was $1.6 billion, with adjusted total net revenue of $8.5 billion and core ROTCE at 10.4%.
In the fourth quarter of 2025, Ally Financial reported a pre-tax income of $386 million, with common shareholder equity at $42.70 per share and a return on common equity at 9.2%. The core pre-tax income for the same period was $461 million, with adjusted tangible book value at $40.38 per share and core ROTCE at 11.1%.
The company experienced record 15.5 million consumer auto applications driving $43.7 billion in consumer origination volume. Additionally, it achieved a 197 basis point retail auto net charge-off, and record insurance written premiums of $1.5 billion.
Ally Financial also saw a retail deposit growth of $1.7 billion quarter over quarter, with over 95% customer retention. The corporate finance segment demonstrated a return on equity of 29%.
Furthermore, the company completed the sale of credit card operations and ceased mortgage originations, adding 40 basis points to CET1 while reducing credit risk. It also executed $4.1 billion of securities repositioning and authorized a $2 billion open-ended share repurchase program.
CEO Michael Rhodes commented that the company's performance in 2025 reflects a meaningful step forward, with deliberate choices and disciplined execution enhancing the strength and resilience of its franchises. He expressed confidence in the company's momentum for continued progress in 2026.
In the fourth quarter, net income attributable to common shareholders was $300 million, compared to $81 million in the fourth quarter of 2024. Net financing revenue of $1.6 billion increased $89 million year over year.
For the full year 2025, net income attributable to common shareholders was $742 million, compared to $558 million in 2024, primarily due to lower provision expense and higher net financing revenue.
Ally Financial's pre-tax income from continuing operations for the fourth quarter was $386 million, compared to $109 million in the fourth quarter of 2024. Core pre-tax income for the same period was $461 million, compared to $310 million in the fourth quarter of 2024. As a result of these announcements, the company's shares have moved -0.09% on the market, and are now trading at a price of $43.61. If you want to know more, read the company's complete 8-K report here.
