ALLY · Ally Financial Inc.

Ally Financial delivered strong first quarter 2026 results, with GAAP EPS of $0.93 and adjusted EPS of $1.11 representing approximately 90% year-over-year growth. The performance was driven by multiple factors across the company's core franchises. In Dealer Financial Services, the company achieved a record 4.4 million consumer auto applications, leading to $11.5 billion in originations despite lower industry sales, with 41% of volume in the highest credit quality tier. The Insurance segment showed improvement with written premiums of $389 million and lower weather losses contributing to better results. Corporate Finance continued its strong performance with a 26% return on equity and a $13.7 billion held-for-investment portfolio that maintained high quality with no new non-performing loans during the quarter. CEO Michael Rhodes highlighted the momentum established across core franchises and the disciplined execution of the 'Focused. Forward.' strategy. The company's digital-first banking model at Ally Bank supported $146 billion in retail deposits from 3.5 million customers, marking 68 consecutive quarters of customer growth and providing durable, low-cost funding. Capital strength improved with a common equity tier 1 ratio of 10.1%, up approximately 60 basis points year-over-year, while the company returned capital through $147 million in share repurchases and a $0.30 per share quarterly dividend. Credit quality showed improvement with retail auto net charge-offs of 197 basis points, down 15 basis points year-over-year, and delinquencies decreasing 17 basis points year-over-year to 4.60%.