联合汽车金融公司Ally Financial Inc.（ALLY）2025年年度报告「NYSE」（英文版）（227页）.pdf

1、2025 Annual Report2Annual Report 2025 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 i

2、ncome(loss),Core net income(loss)attributable to common shareholders,Core return on tangible common equity(Core ROTCE),Adjusted total net revenue,Net financing revenue(excluding Core OID),Adjusted other revenue,Adjusted noninterest expense,Core original issue discount(Core OID)amortization expense,C

3、ore outstanding original issue discount balance(Core OID balance),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 companys operating performance and capital.2 Non-GAAP financial measure.GAAP and

4、Core Results:AnnualResult202520242023GAAP earnings per common share(EPS)$2.37$1.80$2.77Adjusted EPS 12$3.81$2.35$2.84Return on GAAP common shareholders equity6.0%4.8%7.8%Core ROTCE 1210.4%7.1%9.2%GAAP common shareholders equity per share$42.70$37.92$37.62Adjusted tangible book value per share (Adjus

5、ted TBVPS)12$40.38$34.04$33.15GAAP total net revenue$7,914$8,181$8,234Adjusted total net revenue 12$8,451$8,243$8,175($millions,except per share data)3Annual Report 2025 Key metrics1 Non-GAAP financial measure2 Calculated using a Non-GAAP financial measure.$40.38Adjusted TBV1/share+19%Year Over Year

6、(YoY)Growth10.4%Core ROTCE1$3.81 Adjusted EPS1$1,628M Core Pre-Tax Income145%YoY Growth62%YoY Growth55%YoY Growthof global workplaces for employee engagement for the 6th consecutive year$196B3.47%10.2%TOP10%Total AssetsNIM ex.OID2+17 BPS vs.2024 CET1 Capital Ratio+40 BPS vs.2024202020212022202320242