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


	Full-Year 2022 Results
	Full-Year 2022 Results

PRE-TAX INCOME $2.3 billion	TOTAL NET REVENUE $8.4 billion	ROTCE 14.4%	CORE ROTCE¹ 20.5%

	Fourth Quarter 2022 Results
	Fourth Quarter 2022 Results

PRE-TAX INCOME $445 million	ROTCE 10.7%		COMMON SHAREHOLDER EQUITY $35.20/share

CORE PRE-TAX INCOME¹ $464 million	CORE ROTCE¹ 17.6%		ADJUSTED TANGIBLE BOOK VALUE¹ $29.96/share



				• EPS of $5.03; Adjusted EPS¹of $6.06
				• Total Net Revenue of $8.4 billion; Adjusted Total Net Revenue¹of $8.7 billion
				• Pre-Provision Net Revenue¹of $3.7 billion; Core Pre-Provision Net Revenue¹of $4.1 billion
				• Established leader in dealer financial services offering comprehensive suite of auto finance and insurance products
				– Consumer auto originations of $46.4 billion \| 12.5 million applications \| 13^thstraight year of dealer expansion, now 23 thousand
				– Estimated retail auto originated yield¹of 8.24%, h114bps YoY
				– Retail auto net charge-off rate of 0.97%
				– Insurance written premiums of $1.1 billion sourced from 4.6 thousand dealer network
				• Leading, digital-first Ally Bank platform generated strong growth across consumer and commercial product suite
				– Retail deposits of $137.7 billion, up $3.0 billion YoY; Retail deposit customers increased by 205 thousand YoY to 2.68 million
				– Ally Home^® direct-to-consumer originations of $3.3 billion \| Modern, all-digital customer experience
				– Ally Invest net customer assets of $12.8 billion \| 518 thousand active accounts \| Complementary business, deepening relationships
				– Ally Lending origination volume of $2.1 billion \| 460 thousand active borrowers \| 3.4 thousand active merchants
				– Ally Credit Card loan balances of $1.6B \| 1.0M active cardholders \| Disciplined growth in unsecured lending
				– Corporate Finance HFI loan portfolio of $10.1 billion \| 100% floating rate portfolio \| Solid historical credit performance
				• Executed $1.7 billion of share repurchases \| Announced 1Q23 common dividend of $0.30 per share



				• Earnings per share (EPS) of $0.83; Adjusted EPS¹of $1.08
				• Total Net Revenue of $2.2 billion; Adjusted Total Net Revenue¹of $2.2 billion
				• Pre-Provision Net Revenue¹of $0.9 billion; Core Pre-Provision Net Revenue¹of $1.0 billion
				• Consumer auto originations of $9.2 billion \| Estimated retail auto originated yield¹of 9.57%, h260bps YoY
				• Retail deposit growth of $3.8 billion quarter over quarter (QoQ) \| Retail deposit customer growth of 85 thousand

¹ The 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), Core pre-tax income (loss), Core pre-provision net revenue (Core PPNR), Core net income (loss) attributable to common shareholders, Core return on tangible common equity (Core ROTCE), Adjusted efficiency ratio, Adjusted total net revenue, Net financing revenue (excluding Core OID), Adjusted other revenue, Adjusted noninterest expense, Core original issue discount (Core OID) amortization expense, Core outstanding original issue discount balance (Core OID balance), Net interest margin (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 document.

The following information was filed by Ally Financial Inc. (ALLY) on Friday, January 20, 2023 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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Ally Financial Inc.'s Definitive Proxy Statement (Form DEF 14A) filed after their 2023 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: Form Of Ally Financial Inc. Incentive Compensation Plan

Exhibit 10.1: Form Of Ally Financial Inc. Annual Incentive Plan

Exhibit 10.3: Form Of Ally Financial Inc. Non-Employee Directors Equity Compensation Plan

Exhibit 21: Ally Financial Inc. Subsidiaries As Of December 31, 2022

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: 0000040729-23-000005
Submitted to the SEC: Fri Feb 24 2023 4:08:33 PM EST
Accepted by the SEC: Fri Feb 24 2023
Period: Saturday, December 31, 2022
Industry: State Commercial Banks

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Ally Financial Inc. (ALLY) SEC Filing 10-K Annual Report for the fiscal year ending Saturday, December 31, 2022

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