Ally Financial Inc. (ALLY) Presents at RBC Capital Markets Global Financial Institutions Conference 2026 Transcript

SA Transcripts158.9K FollowersFollow5ShareSaveCommentsPlay Earnings CallPlay Earnings Call Ally Financial Inc. (ALLY) RBC Capital Markets Global Financial Institutions Conference 2026 March 10, 2026 9:20 AM EDT Company Participants Russell Hutchinson - Chief Financial Officer Conference Call Participants Jon Arfstrom - RBC Capital Markets, Research Division Presentation Jon ArfstromRBC Capital Markets, Research Division Thank you for being here at our 30th Annual RBC Financial Institutions Conference. Starting my fireside chat sessions today with Russ from Ally Financial. Thank you for being here. Again, Russ, I appreciate it very much. Russell HutchinsonChief Financial Officer Thanks, Jon. Thanks for having me. Happy to be here. Question-and-Answer Session Jon ArfstromRBC Capital Markets, Research Division Let's start at the high level. It's not like there isn't a lot going on, but let's start at a high level and step back and give us your view of the broader macro, how you'd characterize the current environment? And then just little bit about how you would define ensuring that Ally is successful in this kind of an environment? Russell HutchinsonChief Financial Officer Yes, absolutely. It's a good question, very topical. The macro is certainly dynamic right now. And maybe let me just start with what we're seeing. Our consumer continues to be resilient. The trends that we've been talking about in terms of flow to loss, delinquency, severity, they all continue to be favorable. We're really benefiting from a lot of the changes that we've made over the last few years to how we underwrite and how we service. I'd say, we continue to get great traction with our dealers. Our application volumes continue to be strong. It's giving us a great opportunity set, the opportunity to be selective around credit as well as pricing. And so we continue to see strength in terms of originations. And I'll say it's been