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The Auto Finance RoadmapAuto Finance News is pleased to present The Roadmap, the podcast on best practices and trending topics in automotive lending and leasing. Author: Auto Finance News
Auto Finance News is pleased to present The Roadmap, the podcast on best practices and trending topics in automotive lending and leasing. If you are in auto finance, this is your podcast. Auto Finance News, published by Royal Media, is the flagship publication for the auto finance industry. Published since 1996, Auto Finance News is the nations leading source for news, insights and analysis on automotive lending and leasing. Auto Finance News offers a Premium subscription service, which includes a monthly newsletter, a weekly email Update, exclusive event discounts, and much more. The Auto Finance News Premium subscription provides its subscribers with valuable data and exclusive market knowledge. Subscribe now to the News That Drives The Industry at https://www.autofinancenews.net/subscribe/. Auto Finance News produces the following leading industry events: the Auto Finance Innovation Summit, the Auto Finance Risk Summit, and the Auto Finance Summit, the industrys premier event. Language: en Genres: Business, Business News, News Contact email: Get it Feed URL: Get it iTunes ID: Get it |
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Banks’ auto originations rise in Q4
Episode 308
Monday, 26 January, 2026
Banks reported growth in auto originations in the fourth quarter as credit performance was mixed. Auto originations at Ally Financial, Capital One, Chase Auto, U.S. Bank and Wells Fargo increased year over year, according to the banks’ earnings reports. The increases were: Ally’s originations rose 4.9% YoY to $10.8 billion; Capital One’s originations increased 8.5% YoY to $10.2 billion; Chase Auto’s originations ticked up 1.9% YoY to $10.8 billion; U.S. Bank’s indirect loan and lease production, mostly comprised of auto loans, grew 2.7% YoY to $1.4 billion; and Wells Fargo Auto’s originations soared 104% YoY to $10.2 billion Huntington Bank’s auto originations, however, declined 4.6% YoY to $2.1 billion in Q4. While Bank of America did not break out auto originations, auto outstandings came in at $55.3 billion, up 0.7% YoY, according to the bank’s earnings supplement. Meanwhile, auto credit performance was mixed across major banks in Q4. Ally Financial, Capital One, Chase Auto and Wells Fargo reported YoY dips in auto loans delinquent by 30 days or more. Huntington's auto delinquencies rose, while Fifth Third Bank and Truist reported declines in 30- to 89-day auto delinquencies YoY. PNC Financial’s rate of auto loans 30 to 59 days past due was 0.45%, down 9 basis points (bps) YoY, according to the bank’s earnings supplement. Bank of America’s net charge-offs across its indirect and direct consumer book, which is largely made up of auto loans, rose 5 bps YoY to 0.22%. Listen as Auto Finance News Editor Amanda Harris, Senior Associate Editor Truth Headlam and Associate Editor Aidan Bush dive into fourth-quarter earnings and highlight trends across credit performance, auto loan growth and technology updates.
