Ally Financial's first-quarter 2025 earnings beat estimates on high net finance revenues and low provisions, partly offset by high costs and low other revenues.
Ally Financial Inc. (NYSE:ALLY ) Q1 2025 Earnings Conference Call April 17, 2025 9:00 AM ET Company Participants Sean Leary - Head of Investor Relations Michael Rhodes - CEO Russ Hutchinson - CFO Conference Call Participants Sanjay Sakhrani - KBW Jeff Adelson - Morgan Stanley Robert Wildhack - Autonomous Research Moshe Orenbuch - TD Cowen Jon Arfstrom - RBC Capital Markets Operator Good day and thank you for standing by. Welcome to the Ally Financial First Quarter 2025 Earnings Conference Call.
Ally Financial shares have underperformed, losing 12% over the past year, due to increased credit losses and a darkening economic outlook. Q1 earnings showed mixed results with a GAAP loss, but higher used car residual values could mitigate default risks. Ally's capital position is tight, with a pro-forma capital ratio of 7.3%, limiting its ability to maneuver in a weaker economy.
The headline numbers for Ally Financial (ALLY) give insight into how the company performed in the quarter ended March 2025, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals.
Ally Financial (ALLY) came out with quarterly earnings of $0.58 per share, beating the Zacks Consensus Estimate of $0.43 per share. This compares to earnings of $0.45 per share a year ago.
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Evaluate the expected performance of Ally Financial (ALLY) for the quarter ended March 2025, looking beyond the conventional Wall Street top-and-bottom-line estimates and examining some of its key metrics for better insight.
Ally Financial (ALLY) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.
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Ally Financial repositions its balance sheet to drive NII and NIM expansion going forward. As such, it will incur a pre-tax loss of $250 million in Q1.
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