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联合汽车金融公司Ally Financial Inc.(ALLY)2025年第三季度财报(10-Q)「NYSE」(英文版)(152页).pdf

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1、Table of ContentsUNITED STATES SECURITIES AND EXCHANGE COMMISSIONWashington,D.C.20549FORM 10-QQUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d)OF THE SECURITIES EXCHANGE ACT OF 1934For the quarterly period ended September 30,2025,orTRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d)OF THE SECURITIES EX

2、CHANGE ACT OF 1934For the transition period from to Commission file number:1-3754Ally Financial Inc.(Exact name of registrant as specified in its charter)Delaware 38-0572512(State or other jurisdiction ofincorporation or organization)(I.R.S.EmployerIdentification No.)Ally Detroit Center500 Woodward

3、Avenue,Floor 10Detroit,Michigan 48226(Address of principal executive offices)(Zip Code)(866)710-4623(Registrants telephone number,including area code)Securities registered pursuant to Section 12(b)of the Act:Title of each classTrading SymbolsName of each exchange onwhich registeredCommon Stock,par v

4、alue$0.01 per shareALLYNYSEIndicate by check mark whether the registrant(1)has filed all reports required to be filed by Section 13 or 15(d)of the Securities Exchange Act of 1934 during thepreceding 12 months(or for such shorter period that the registrant was required to file such reports),and(2)has

5、 been subject to such filing requirements for the past90 days.Yes No Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T(232.405 of this chapter)during the preceding 12 months(or for su

6、ch shorter period that the registrant was required to submit such files).Yes No Indicate by check mark whether the registrant is a large accelerated filer,an accelerated filer,a non-accelerated filer,a smaller reporting company,or an emerging growthcompany.See the definitions of“large accelerated fi

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1. **公司概况**:Ally Financial Inc.为金融服务公司,拥有全美最大数字银行及领先汽车融资保险业务,注册为银行控股公司(BHC)和金融控股公司(FHC)。 2. **财务表现**: - **2025年前三季度**:净收入52.5亿美元,净利润5.25亿美元;每股收益1.41美元(摊薄)。 - **2025年第三季度**:净收入21.68亿美元,净利润3.98亿美元;每股收益1.18美元(摊薄)。 3. **关键业务**: - **融资收入**:2025年前三季度45.78亿美元,主要来自汽车金融和贷款。 - **信贷损失拨备**:前三季度9.9亿美元,较2024年16.09亿美元减少。 4. **资产与负债**: - **总资产**:1917.11亿美元(2025年9月30日),较2024年末1918.36亿美元基本持平。 - **存款负债**:1484.1亿美元,较2024年末减少31.64亿美元。 5. **重大事项**: - **信用卡业务出售**:2025年4月完成Ally Credit Card出售,确认305亿美元商誉减值。 - **投资证券调整**:2025年前三季度出售部分证券,录得49.5亿美元税前损失。
Ally财务表现如何? 信用卡业务有何变化? 投资证券风险大吗?
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