Capital One's CEO highlighted concerns regarding inflation and elevated interest rates, noting that while consumers are generally in good shape, there are specific areas of pressure. The company's stock rose 4% in after-hours trading following these comments. In contrast, Ally Financial's CEO reported that retail auto net charge-offs increased by 43 basis points quarter-over-quarter, reaching 224 basis points, attributed to seasonal patterns and rising delinquencies. Additionally, Capital One reported a 23% year-over-year increase in auto originations for the third quarter of fiscal year 2024, indicating stable credit performance and a readiness to pursue current origination opportunities. Meanwhile, Ally is adjusting its auto loan criteria to require better credit, limit approvals, and strengthen income verifications in response to the increasing charge-offs and delinquencies in the auto loan sector.