Flash | 21 Jul 2026 09:11:32 ET │ 11 pages Ally Financial Inc (ALLY.N) 2Q26 Initial Take - ~2c Core PPNR Beat on Better NII; Minimal but Only Positive Changes to '26 Guidance CITI'S TAKE ALLY reported ~2c core PPNR beat to Street driven by better NII (~5c tailwind) with NIM trends up 11bps q/q to 3.59%, partially mitigated by a higher core expense base. Credit results were solid, with auto NCOs down 40bps to 1.57% (vs 1.97% in 1Q) and consolidated down 10 bps q/q to 1.11%. 30+ DPD delinquency rate (all-in) ...

2Q26 Initial Take - Quarter as Expected with FY NII Guidance Raised on Better Loan Growth; Estimates Likely Not Moving Much CITI'S TAKE KEY's 2Q core PPNR was right in-line with consensus and our estimates as modest softness in NII (~1c headwind) was offset by better expenses (~1c tailwind). NIM expansion was less than expected (+2bps to 2.89% vs cons at 2.95%). Credit trends ticked up q/q (as telegraphed); NCOs moved up 4bp q/q to 42bps and the NPA ratio increased 11bps (to 0.74%). CET1 decreased ~20bps to ...