Ally Financial Inc. (ALLY) 10K Annual Reports & 10Q SEC Filings


		• Earnings per share (EPS) of $1.79, down 1% year over year (YoY); Adjusted EPS¹of $2.02, up 26%YoY
		• Total Net Revenue of $2.2 billion, up 11% YoY; Adjusted Total Net Revenue¹of $2.2 billion, up 17% YoY
		• Pre-Provision Net Revenue of $1.1 billion, up 16% YoY; Core Pre-Provision Net Revenue¹of $1.1 billion, up 29% YoY
		• Common Shareholder’s Equity per Share of $43.58, up 11% YoY; Adjusted Tangible Book Value per Share¹of $38.73, up 7% YoY
		• Retail deposit growth of $3.1 billion quarter over quarter (QoQ) with average retail portfolio interest rate declining 4 basis points (bps) QoQ to 0.61%
		• Consumer auto originations of $10.9 billion, up 20% YoY
		• Closed acquisition of Fair Square Financial (FSF) in December 2021; $953 million of loan balances at year-end, up 66% YoY²



		• EPS of $8.22, up 186% YoY; Adjusted EPS¹ of $8.61, up 185% YoY
		• Total Net Revenue of $8.2 billion, up 23% YoY; Adjusted Total Net Revenue¹ of $8.4 billion, up 25% YoY
		• Pre-Provision Net Revenue of $4.1 billion, up 44% YoY; Core Pre-Provision Net Revenue¹ of $4.3 billion, up 47% YoY
		• Established leader in dealer financial services offering comprehensive suite of auto finance and insurance products
				– Estimated retail auto originated yield of 7.10% fourth consecutive year greater than 7%
				– Consumer auto originations of $46.3 billion, up 32% YoY sourced from a record 13 million applications
				– Retail auto net charge-off rate of 0.31%, down from 0.96% in 2020
				– Insurance segment generated written premiums of $1.2 billion across F&I and P&C offerings
		• Leading, digital-first Ally Bank platform generated strong growth across consumer and commercial product suite
				– Retail deposits of $134.7 billion, up $10.3 billion YoY; Retail deposit customers increased by 226 thousand YoY to 2.48 million
				– Ally Home® direct-to-consumer originations of $10.4 billion, up 123% YoY
				– Ally Invest net customer assets of $17.4 billion, up 24% YoY; Self-directed and Robo accounts up 11% YoY to 506 thousand
				– Ally Lending origination volume of $1.2 billion, up 147% YoY; 3.0 thousand merchants, up 37% YoY
				– Corporate Finance held-for-investment loan portfolio of $7.8 billion, up 29% YoY; Record full-year commitments originated of $7.3 billion
		• Board of Directors authorized up to $2.0 billion in common share repurchases for 2022, and increased quarterly common dividend 20% to $0.30 per share

¹The following are non-GAAP financial measures which Ally believes are important to the reader of the Consolidated Financial Statements, but which are supplemental to and not a substitute for GAAP measures: Adjusted Earnings per Share (Adjusted EPS), Adjusted Total Net Revenue, Core Pre-Tax Income, Core Net Income Attributable to Common Shareholders, Pre-Provision Net Revenue (PPNR), Core Pre-Provision Net Revenue (Core PPNR), Core OID, Core Return on Tangible Common Equity (Core ROTCE), Estimated Retail Auto Originated Yield, Tangible Common Equity, Net Financing Revenue (excluding Core OID) and Adjusted Tangible Book Value per Share (Adjusted TBVPS). These measures are used by management and we believe are useful to investors in assessing the company’s operating performance and capital. Refer to the Definitions of Non-GAAP Financial Measures and Other Key Terms, and Reconciliation to GAAP later in this release.

²Acquisition closed on 12/1/21 and the full-year impacts are for comparison purposes only and aren’t reflected in our metrics.

The following information was filed by Ally Financial Inc. (ALLY) on Friday, January 21, 2022 as an 8K 2.02 statement, which is an earnings press release pertaining to results of operations and financial condition. It may be helpful to assess the quality of management by comparing the information in the press release to the information in the accompanying 10-K Annual Report statement of earnings and operation as management may choose to highlight particular information in the press release.

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Assess how Ally Financial Inc.'s management team is paid from their Annual Proxy

Ally Financial Inc.'s Definitive Proxy Statement (Form DEF 14A) filed after their 2022 10-K Annual Report includes:

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Financial Statements, Disclosures and Schedules

Inside this 10-K Annual Report

Material Contracts, Statements, Certifications & more

Ally Financial Inc. provided additional information to their SEC Filing as exhibits

Exhibit 10.2: Form Of Ally Financial Inc. 2021 Incentive Compensation Plan

Exhibit 10.4: Form Of Ally Financial Inc. 2021 Employee Stock Purchase Plan

Exhibit 10.5: Form Of Ally Financial Inc. 2021 Non-Employee Directors Equity Compensation Plan

Exhibit 21: Ally Financial Inc. Subsidiaries As Of December 31, 2021

Exhibit 23.1: Consent Of Independent Registered Public Accounting Firm

Exhibit 31.1: Certification Of Principal Executive Officer

Exhibit 31.2: Certification Of Principal Financial Officer

Exhibit 32: Certification Of Principal Executive Officer And Principal Financial Officer

Ticker: ALLY
CIK: 40729
Form Type: 10-K Annual Report
Accession Number: 0000040729-22-000007
Submitted to the SEC: Fri Feb 25 2022 4:04:07 PM EST
Accepted by the SEC: Fri Feb 25 2022
Period: Friday, December 31, 2021
Industry: State Commercial Banks

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Ally Financial Inc. (ALLY) SEC Filing 10-K Annual Report for the fiscal year ending Friday, December 31, 2021

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