Ally Financial 's ( ALLY - Free Report ) fourth-quarter 2024 adjusted earnings of 78 cents per share handily surpassed the Zacks Consensus Estimate of 59 cents. Also, the bottom line indicated a jump of 95% from the year-ago quarter. Results benefited from a rise in net finance revenues. Further, lower expenses and a decline in credit costs provided support. However, lower other revenues, a decline in net finance receivables and loans and deposits were the undermining factors for ALLY. Capital One 's ( COF - Free Report ) fourth-quarter 2024 adjusted earnings of $3.09 per share handily surpassed the Zacks Consensus Estimate of $2.66. The bottom line also compared favorably with $2.24 in the prior-year quarter. COF's results gained from higher NII and non-interest income along with rise in loans and deposits. Also, provisions declined during the quarter. However, the increase in expenses was the undermining factor.