For the quarter ended September 2025, Ally Financial (ALLY) reported revenue of $2.17 billion, up 3.1% over the same period last year. EPS came in at $1.15, compared to $0.95 in the year-ago quarter.
The reported revenue represents a surprise of +3.57% over the Zacks Consensus Estimate of $2.09 billion. With the consensus EPS estimate being $0.99, the EPS surprise was +16.16%.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
Here is how Ally Financial performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
- Net interest margin (as reported): 3.5% versus 3.4% estimated by five analysts on average.
- Efficiency Ratio: 57.2% compared to the 55.3% average estimate based on five analysts.
- Net charge-offs to average finance receivables and loans outstanding: 1.2% versus the five-analyst average estimate of 1.4%.
- Total interest-earning assets (Average Balances): $178.73 billion compared to the $181.31 billion average estimate based on four analysts.
- Insurance premiums and service revenue earned: $361 million versus $363.92 million estimated by five analysts on average. Compared to the year-ago quarter, this number represents a +0.6% change.
- Net financing revenue: $1.58 billion versus $1.56 billion estimated by five analysts on average. Compared to the year-ago quarter, this number represents a +6.5% change.
- Total other revenue: $584 million versus the five-analyst average estimate of $533.43 million. The reported number represents a year-over-year change of -5%.
- Other income, net of losses: $170 million versus the three-analyst average estimate of $148.83 million. The reported number represents a year-over-year change of -3.4%.
- Total financing revenue and other interest income: $3.39 billion versus $3.41 billion estimated by three analysts on average. Compared to the year-ago quarter, this number represents a -5.2% change.
- Revenue- Insurance operations- Net financing revenue: $33 million versus $32.85 million estimated by two analysts on average. Compared to the year-ago quarter, this number represents a +6.5% change.
- Revenue- Insurance operations- Other revenue: $420 million compared to the $383.07 million average estimate based on two analysts. The reported number represents a change of -3.9% year over year.
- Revenue- Corporate Finance operations- Net financing revenue: $111 million compared to the $120.4 million average estimate based on two analysts. The reported number represents a change of +9.9% year over year.
View all Key Company Metrics for Ally Financial here>>>
Shares of Ally Financial have returned -13.8% over the past month versus the Zacks S&P 500 composite's +0.7% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
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Ally Financial Inc. (ALLY): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
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