Ally Financial Inc. reported preliminary operating results for the third quarter ended September 30, 2026, in an 8-K filing dated October 20, 2026. The company reported GAAP earnings per share (EPS) of $1.30, an increase of 10% compared to the same period in 2025. Adjusted EPS was reported at $1.34, representing a 16% year-over-year increase.
For the quarter, GAAP pre-tax income was $567 million, up 11% year over year, while core pre-tax income was $581 million, up 16% year over year. Return on common equity (ROE) was 12.1%, up 20 basis points year over year, and core return on tangible common equity (Core ROTCE) was 13.1%, up 80 basis points year over year.
On the operational side, consumer auto originations totaled $12.9 billion, up 10% year over year. The company originated $8.2 billion in used retail volume, $4.2 billion in new retail volume, and $474 million in leases. The estimated retail auto originated yield was 9.44%, with 44% of volume in the highest credit quality tier. The retail auto net charge-off rate was 189 basis points, up 1 basis point year over year.
Ally’s insurance segment wrote premiums of $388 million, up 1% year over year. The Corporate Finance segment reported a pre-tax income of $98 million, up $3 million year over year, with a return on equity of 22%.
The company announced a common dividend of $0.35 per share for the fourth quarter of 2026 and executed $178 million in share repurchases during the quarter. Ally’s common equity tier 1 ratio was reported at 10.2%, up 10 basis points year over year.
