# Ally Financial Q3 2026 Earnings Report Highlights

> Ally Financial reports 16% higher adjusted EPS and record auto loan growth in Q3 2026.
- Title: Ally Financial Q3 2026 Earnings Report Highlights | Shortify
- Summary: Ally Financial reports 16% higher adjusted EPS and record auto loan growth in Q3 2026. Ally Financial achieved $1.34 adjusted EPS up 16% year over year with…
- Keywords: ally, q3 2026, earnings call, retail auto, corporate finance, net interest margin, credit risk transfer, loyally, finance, money, Financial, 2026
- Source: The Motley Fool — https://fool.com/earnings/call-transcripts/2026/10/20/ally-ally-q3-2026-earnings-call-transcript
- Author: Motley Fool Transcribing
- Published: 2026-10-20T15:52:51+00:00
- Read time: 2 min
- Topics: ally, q3 2026, earnings call, retail auto, corporate finance, net interest margin, credit risk transfer, loyally, finance, money
## Q3 2026 Results
Ally Financial reported adjusted EPS of $1.34, up 16% year over year.
## Retail Auto Growth
Consumer auto originations reached $12.9 billion, up 10% year over year with record 4.8 million applications.
## Corporate Finance Expansion
Corporate finance loans grew to $15.8 billion, up 40% year over year with less than 1% non-accrual loans.
## Net Interest Margin
Net interest margin increased to 3.66%, up 3 basis points sequentially despite lease termination losses.
## Credit Risk Transfer
Completed $6 billion credit risk transfer to optimize capital levels, second transaction of 2026.
## Dividend Increase
Announced first quarterly dividend increase since 2022 at $0.35 per share.
## Loyally Program
Launched free loyalty program loyALLy offering discounts to strengthen customer relationships.
## Lease Termination Losses
Reported $16 million loss on lease terminations due to Stellantis auction price pressures.
## Vintage Delinquency Trends
Late 2025 and early 2026 loan vintages show higher early life delinquency than previous years.
## Net Charge-offs
Retail auto net charge-offs at 189 basis points, up 32 basis points quarter over quarter.
## Capital Efficiency
CET1 ratio at 10.2%, up 10 basis points year over year with $178 million share repurchases.
## Asset Growth Guidance
Raised average earning asset growth guidance to 5% to 6% from 3% to 5% due to strong retail auto and corporate finance momentum.
## Retail Deposits
Retail deposits grew to $141.9 billion, up $80 million year over year comprising 86% of total funding portfolio.
## Net Interest Margin Outlook
Full year NIM guidance of 3.6% to 3.65% with projected exit rate around 3.7% in Q4.
## Corporate Finance ROE
Corporate finance segment achieved 22% return on equity with low non-accrual loans.
## Credit Risk Transfer Impact
Credit risk transfer generated more than 25 basis points of CET1 capital at issuance in Q3.
## Key takeaway

Ally Financial achieved $1.34 adjusted EPS up 16% year over year with record auto loan applications and corporate finance growth.