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Ally Financial (ALLY) Q2 Earnings: How Key Metrics Compare to Wall Street Estimates
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Ally Financial (ALLY - Free Report) reported $2.08 billion in revenue for the quarter ended June 2025, representing a year-over-year increase of 4.1%. EPS of $0.99 for the same period compares to $0.97 a year ago.
The reported revenue compares to the Zacks Consensus Estimate of $2.03 billion, representing a surprise of +2.56%. The company delivered an EPS surprise of +26.92%, with the consensus EPS estimate being $0.78.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
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): 3.4% compared to the 3.3% average estimate based on five analysts.
Efficiency Ratio: 60.6% versus 59.8% estimated by five analysts on average.
Net charge-offs to average finance receivables and loans outstanding: 1.1% compared to the 1.3% average estimate based on five analysts.
Book value per share: $39.71 compared to the $39.21 average estimate based on four analysts.
Net financing revenue: $1.52 billion versus $1.51 billion estimated by six analysts on average. Compared to the year-ago quarter, this number represents a +1.4% change.
Total other revenue: $566 million compared to the $519.32 million average estimate based on six analysts. The reported number represents a change of +12.1% year over year.
Insurance premiums and service revenue earned: $359 million compared to the $354.05 million average estimate based on five analysts. The reported number represents a change of +5.3% year over year.
Gain on mortgage and automotive loans, net: $-4 million versus the five-analyst average estimate of $4.78 million. The reported number represents a year-over-year change of -166.7%.
Total financing revenue and other interest income: $3.33 billion compared to the $3.44 billion average estimate based on four analysts. The reported number represents a change of -6% year over year.
Other income, net of losses: $150 million compared to the $160.26 million average estimate based on four analysts. The reported number represents a change of -9.1% year over year.
Interest-bearing cash: $95 million versus the three-analyst average estimate of $105.92 million. The reported number represents a year-over-year change of +8%.
Interest on loans held-for-sale: $6 million versus $-9.3 million estimated by three analysts on average. Compared to the year-ago quarter, this number represents a -14.3% change.
Shares of Ally Financial have returned +9.2% over the past month versus the Zacks S&P 500 composite's +5.4% 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 (ALLY) Q2 Earnings: How Key Metrics Compare to Wall Street Estimates
Ally Financial (ALLY - Free Report) reported $2.08 billion in revenue for the quarter ended June 2025, representing a year-over-year increase of 4.1%. EPS of $0.99 for the same period compares to $0.97 a year ago.
The reported revenue compares to the Zacks Consensus Estimate of $2.03 billion, representing a surprise of +2.56%. The company delivered an EPS surprise of +26.92%, with the consensus EPS estimate being $0.78.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
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:View all Key Company Metrics for Ally Financial here>>>
Shares of Ally Financial have returned +9.2% over the past month versus the Zacks S&P 500 composite's +5.4% 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.