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UNITED STATES SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 10-Q


☑			QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the quarterly period ended June 30, 2025, or


☐			TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the transition period from to

Commission file number: 1-3754

Ally Financial Inc.

(Exact name of registrant as specified in its charter)


Delaware						38-0572512
(State or other jurisdiction of incorporation or organization)						(I.R.S. Employer Identification No.)

Ally Detroit Center

500 Woodward Avenue, Floor 10

Detroit, Michigan 48226

(Address of principal executive offices)

(Zip Code)

(866) 710-4623

(Registrant’s telephone number, including area code)

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading Symbols

Name of each exchange on which registered

Common Stock, par value $0.01 per share

ALLY

NYSE

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. Yes ☑ No ☐

Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files). Yes ☑ No ☐

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act.

Large accelerated filer

☑

Accelerated filer

☐

Non-accelerated filer

☐

Smaller reporting company

☐

Emerging growth company

☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).

Yes ☐ No ☑

At July 31, 2025, the number of shares outstanding of the Registrant’s common stock was 307,808,031 shares.

Table of Contents

Index

Ally Financial Inc. • Form 10-Q


		Page
	Glossary of Abbreviations and Acronyms	3
Part I — Financial Information
Item 1.	Financial Statements	5
	Condensed Consolidated Statement of Comprehensive Income (unaudited) for the Three Months and Six Months Ended June 3 0 , 2025, and 2024	5
	Condensed Consolidated Balance Sheet (unaudited) at June 3 0 , 2025, and December 31, 2024	7
	Condensed Consolidated Statement of Changes in Equity (unaudited) for the Three Months and Six Months Ended June 3 0 , 2025, and 2024	9
	Condensed Consolidated Statement of Cash Flows (unaudited) for the Si x Months Ended June 3 0 , 2025, and 2024	11
	Notes to Condensed Consolidated Financial Statements (unaudited)	13
	Note 1. Description of Business, Basis of Presentation, and Changes in Significant Accounting Policies	13
	Note 2. Held-for-sale Operations	14
	Note 3. Revenue from Contracts with Customers	15
	Note 4. Other Income, Net of Losses	16
	Note 5. Reserves for Insurance Losses and Loss Adjustment Expenses	17
	Note 6. Other Operating Expenses	17
	Note 7. Investment Securities	18
	Note 8. Finance Receivables and Loans, Net	22
	Note 9. Leasing	33
	Note 10. Securitizations and Variable Interest Entities	35
	Note 11. Other Assets	38
	Note 12. Deposit Liabilities	40
	Note 13. Debt	40
	Note 14. Accrued Expenses and Other Liabilities	42
	Note 15. Preferred Stock	42
	Note 16. Accumulated Other Comprehensive Loss	43
	Note 17. Earnings per Common Share	46
	Note 18. Regulatory Capital and Other Regulatory Matters	46
	Note 19. Derivative Instruments and Hedging Activities	50
	Note 20. Income Taxes	56
	Note 21. Fair Value	56
	Note 22. Offsetting Assets and Liabilities	63
	Note 23. Segment Information	64
	Note 24. Contingencies and Other Risks	68
	Note 25. Subsequent Events	68
Item 2.	Management’s Discussion and Analysis of Financial Condition and Results of Operations	69
Item 3.	Quantitative and Qualitative Disclosures About Market Risk	120
Item 4.	Controls and Procedures	121
Part II — Other Information		122
Item 1.	Legal Proceedings	122
Item 1A.	Risk Factors	122
Item 2.	Unregistered Sales of Equity Securities and Use of Proceeds	122
Item 3.	Defaults Upon Senior Securities	122
Item 4.	Mine Safety Disclosures	122
Item 5.	Other Information	122
Item 6.	Exhibits	123
Signatures		124

Table of Contents

Index of Defined Terms

Ally Financial Inc. • Form 10-Q

Glossary of Abbreviations and Acronyms

The following is a list of abbreviations and acronyms that are used in this Quarterly Report on Form 10-Q.


Term						Definition


ALCO						Asset-Liability Committee
ALM						Asset Liability Management


AOCI						Accumulated other comprehensive income
ASC						Accounting Standards Codification
ASU						Accounting Standards Update

Basel Committee						Basel Committee on Banking Supervision

BHC						Bank holding company
BHC Act						Bank Holding Company Act of 1956, as amended



Board						Ally Board of Directors




CD						Certificate of deposit


CECL						Accounting Standards Update 2016-13 (and related Accounting Standards Updates), or current expected credit loss
CEO						Chief Executive Officer




CIDI						Covered insured depository institution

CODM						Chief Operating Decision Maker
COH						Corporate overhead


CRA						Community Reinvestment Act of 1977, as amended
CSG						Commercial Services Group


CVA						Credit valuation adjustment
DBRS						Morningstar DBRS
DIF						Deposit Insurance Fund
Dodd-Frank Act						Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010, as amended

DVA						Debit valuation adjustment


EGRRCP Act						Economic Growth, Regulatory Relief, and Consumer Protection Act, as amended

ERMC						Enterprise Risk Management Committee
ERM						Enterprise Risk Management
ETF						Exchange-traded fund
EVE						Economic value of equity
Exchange Act						Securities Exchange Act of 1934, as amended
F&I						Finance and insurance

FASB						Financial Accounting Standards Board
FDI Act						Federal Deposit Insurance Act, as amended
FDIC						Federal Deposit Insurance Corporation
FDICIA						Federal Deposit Insurance Corporation Improvement Act of 1991, as amended
FHC						Financial holding company
FHLB						Federal Home Loan Bank



FRB						Federal Reserve Bank, or Board of Governors of the Federal Reserve System, as the context requires

FTP						Funds-transfer pricing
GAP						Guaranteed asset protection
GDP						Gross domestic product of the United States of America
GLB Act						Gramm-Leach-Bliley Act of 1999, as amended
GM						General Motors Company


HTC						Historic tax credit

IB Finance						IB Finance Holding Company, LLC




IRA						Individual retirement account

Table of Contents

Index of Defined Terms

Ally Financial Inc. • Form 10-Q


Term						Definition
ITC						Investment tax credit
LCR						Liquidity coverage ratio
LGD						Loss given default
LIHTC						Low-income housing tax credit
LMI						Low-to-moderate income
LTV						Loan-to-value


MD&A						Management’s Discussion and Analysis of Financial Condition and Results of Operations



NMTC						New market tax credit


NYSE						New York Stock Exchange

OCI						Other comprehensive income
OEM						Automotive original equipment manufacturer
OTC						Over-the-counter
P&C						Property and casualty
PCA						Prompt corrective action




RC						Risk Committee of the Ally Board of Directors
ROU						Right-of-use

RV						Recreational vehicle
RWA						Risk-weighted asset

S&P						Standard & Poor’s Global
SEC						U.S. Securities and Exchange Commission

Signature						Signature Bank

SPE						Special-purpose entity

Stellantis						Stellantis N.V.

SVB						Silicon Valley Bank
Tailoring Rules						The rules implementing Title IV of the EGRRCP Act




TLAC						Total loss-absorbing capacity



UPB						Unpaid principal balance
U.S. Basel III						The rules implementing the 2010 Basel III capital framework in the United States as well as related provisions of the Dodd-Frank Act, as amended from time to time
U.S. GAAP						Accounting Principles Generally Accepted in the United States of America
VIE						Variable interest entity

VMC						Vehicle maintenance contract
VSC						Vehicle service contract
WAC						Weighted-average coupon
wSTWF						Weighted short-term wholesale funding

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PART I — FINANCIAL INFORMATION

Item 1. Financial Statements

Condensed Consolidated Statement of Comprehensive Income (unaudited)

Ally Financial Inc. • Form 10-Q


	Three months ended June 30,				Six months ended June 30,
($ in millions)	2025		2024		2025		2024
Financing revenue and other interest income
Interest and fees on finance receivables and loans	$	2,624	$	2,845	$	5,333	$	5,672
Interest on loans held-for-sale	6		7		11		43
Interest and dividends on investment securities and other earning assets	248		265		478		531
Interest on cash and cash equivalents	95		88		193		185
Operating leases	352		333		703		689
Total financing revenue and other interest income	3,325		3,538		6,718		7,120
Interest expense
Interest on deposits	1,329		1,594		2,732		3,245
Interest on short-term borrowings	5		27		6		50
Interest on long-term debt	258		244		529		492
Interest on other	1		1		1		1
Total interest expense	1,593		1,866		3,268		3,788
Net depreciation expense on operating lease assets	216		155		456		347
Net financing revenue and other interest income	1,516		1,517		2,994		2,985
Other revenue
Insurance premiums and service revenue earned	359		341		723		686
(Loss) gain on mortgage and automotive loans, net	(4)		6		(3)		12

Other gain (loss) on investments, net	61		(7)		(438)		22
Other income, net of losses	150		165		347		315
Total other revenue	566		505		629		1,035
Total net revenue	2,082		2,022		3,623		4,020
Provision for credit losses	384		457		575		964
Noninterest expense
Compensation and benefits expense	430		442		935		961
Insurance losses and loss adjustment expenses	203		181		364		293
Goodwill impairment	—		—		305		—
Other operating expenses	629		663		1,292		1,340
Total noninterest expense	1,262		1,286		2,896		2,594
Income from continuing operations before income tax expense	436		279		152		462
Income tax expense from continuing operations	84		60		25		100
Net income from continuing operations	352		219		127		362

Net income	$	352	$	219	$	127	$	362
Other comprehensive income (loss), net of tax	43		(20)		705		(193)
Comprehensive income	$	395	$	199	$	832	$	169

Statement continues on the next page.

The Notes to the Condensed Consolidated Financial Statements (unaudited) are an integral part of these statements.

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Condensed Consolidated Statement of Comprehensive Income (unaudited)

Ally Financial Inc. • Form 10-Q


	Three months ended June 30,				Six months ended June 30,
($ in millions, except per share data; shares in thousands) (a)	2025		2024		2025		2024
Net income from continuing operations attributable to common shareholders	$	324	$	191	$	71	$	306

Net income attributable to common shareholders	$	324	$	191	$	71	$	306
Basic weighted-average common shares outstanding (b)	309,895		306,774		309,453		306,388
Diluted weighted-average common shares outstanding (b)	312,434		309,886		312,033		309,154
Basic earnings per common share
Net income from continuing operations	$	1.05	$	0.63	$	0.23	$	1.00

Net income	$	1.05	$	0.63	$	0.23	$	1.00
Diluted earnings per common share
Net income from continuing operations	$	1.04	$	0.62	$	0.23	$	0.99

Net income	$	1.04	$	0.62	$	0.23	$	0.99
Cash dividends declared per common share	$	0.30	$	0.30	$	0.60	$	0.60

(a)Figures in the table may not recalculate exactly due to rounding. Earnings per share is calculated based on unrounded numbers.

(b)Includes shares related to share-based compensation that vested but were not yet issued.

Refer to Note 17 for additional earnings per share information. The Notes to the Condensed Consolidated Financial Statements (unaudited) are an integral part of these statements.

Table of Contents

Condensed Consolidated Balance Sheet (unaudited)

Ally Financial Inc. • Form 10-Q



($ in millions, except share data)	June 30, 2025		December 31, 2024
Assets
Cash and cash equivalents
Noninterest-bearing	$	530	$	522
Interest-bearing	10,062		9,770
Total cash and cash equivalents	10,592		10,292
Equity securities	938		871
Available-for-sale securities (amortized cost of $25,715 and $26,810)	22,397		22,410
Held-to-maturity securities (fair value of $4,559 and $4,293)	4,561		4,346
Loans held-for-sale, net	185		160
Finance receivables and loans, net
Finance receivables and loans, net of unearned income	133,229		136,030
Allowance for loan losses	(3,416)		(3,714)
Total finance receivables and loans, net	129,813		132,316
Investment in operating leases, net	7,992		7,991
Premiums receivable and other insurance assets	2,893		2,790
Other assets	10,102		10,660

Total assets	$	189,473	$	191,836
Liabilities
Deposit liabilities
Noninterest-bearing	$	155	$	131
Interest-bearing	147,711		151,443
Total deposit liabilities	147,866		151,574
Short-term borrowings	3,856		1,625
Long-term debt	15,876		17,495
Interest payable	912		890
Unearned insurance premiums and service revenue	3,627		3,535
Accrued expenses and other liabilities	2,789		2,814

Total liabilities	174,926		177,933
Contingencies (refer to Note 24)
Equity
Common stock and paid-in capital ($0.01 par value, shares authorized 1,100,000,000; issued 519,080,636 and 515,777,584; and outstanding 307,786,642 and 305,387,550)	22,235		22,142
Preferred stock	2,324		2,324
Retained earnings	151		270
Accumulated other comprehensive loss	(3,219)		(3,924)
Treasury stock, at cost (211,293,994 and 210,390,034 shares)	(6,944)		(6,909)
Total equity	14,547		13,903
Total liabilities and equity	$	189,473	$	191,836

Statement continues on the next page.

The Notes to the Condensed Consolidated Financial Statements (unaudited) are an integral part of these statements.

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Condensed Consolidated Balance Sheet (unaudited)

Ally Financial Inc. • Form 10-Q

The assets of consolidated variable interest entities that can be used only to settle obligations of the consolidated variable interest entities and the liabilities of these entities for which creditors (or beneficial interest holders) do not have recourse to our general credit were as follows.



($ in millions)	June 30, 2025		December 31, 2024
Assets
Finance receivables and loans, net
Consumer automotive	$	3,217	$	4,505


Allowance for loan losses	(121)		(172)
Total finance receivables and loans, net	3,096		4,333

Other assets	264		333
Total assets	$	3,360	$	4,666
Liabilities
Long-term debt	$	1,123	$	1,561
Accrued expenses and other liabilities	2		4
Total liabilities	$	1,125	$	1,565

The Notes to the Condensed Consolidated Financial Statements (unaudited) are an integral part of these statements.

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Condensed Consolidated Statement of Changes in Equity (unaudited)

Ally Financial Inc. • Form 10-Q


	Three months ended June 30,
($ in millions)	Common stock and paid-in capital		Preferred stock		Retained earnings (accumulated deficit)		Accumulated other comprehensive loss		Treasury stock		Total equity













Balance at April 1, 2024	$	22,034	$	2,324	$	111	$	(3,989)	$	(6,900)	$	13,580
Net income					219						219
Preferred stock dividends — Series B					(16)						(16)
Preferred stock dividends — Series C					(12)						(12)
Share-based compensation	43										43
Other comprehensive loss							(20)				(20)
Common stock repurchases									(1)		(1)
Common stock dividends ($0.30 per share)					(94)						(94)
Balance at June 30, 2024	$	22,077	$	2,324	$	208	$	(4,009)	$	(6,901)	$	13,699
Balance at April 1, 2025	$	22,191	$	2,324	$	(78)	$	(3,262)	$	(6,943)	$	14,232
Net income					352						352
Preferred stock dividends — Series B					(16)						(16)
Preferred stock dividends — Series C					(12)						(12)
Share-based compensation	44										44
Other comprehensive income							43				43
Common stock repurchases									(1)		(1)
Common stock dividends ($0.30 per share)					(95)						(95)
Balance at June 30, 2025	$	22,235	$	2,324	$	151	$	(3,219)	$	(6,944)	$	14,547

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Condensed Consolidated Statement of Changes in Equity (unaudited)

Ally Financial Inc. • Form 10-Q


	Six months ended June 30,
($ in millions)	Common stock and paid-in capital		Preferred stock		Retained earnings		Accumulated other comprehensive loss		Treasury stock		Total equity
Balance at December 31, 2023	$	21,975	$	2,324	$	91	$	(3,816)	$	(6,871)	$	13,703
Cumulative effect of changes in accounting principles, net of tax (a)
Adoption of Accounting Standards Update 2023-02					(2)						(2)
Balance at January 1, 2024	$	21,975	$	2,324	$	89	$	(3,816)	$	(6,871)	$	13,701
Net income					362						362
Preferred stock dividends — Series B					(32)						(32)
Preferred stock dividends — Series C					(24)						(24)
Share-based compensation	102										102
Other comprehensive loss							(193)				(193)
Common stock repurchases									(30)		(30)
Common stock dividends ($0.60 per share)					(187)						(187)
Balance at June 30, 2024	$	22,077	$	2,324	$	208	$	(4,009)	$	(6,901)	$	13,699



Balance at January 1, 2025	$	22,142	$	2,324	$	270	$	(3,924)	$	(6,909)	$	13,903
Net income					127						127
Preferred stock dividends — Series B					(32)						(32)
Preferred stock dividends — Series C					(24)						(24)
Share-based compensation	93										93
Other comprehensive income							705				705
Common stock repurchases									(35)		(35)
Common stock dividends ($0.60 per share)					(190)						(190)
Balance at June 30, 2025	$	22,235	$	2,324	$	151	$	(3,219)	$	(6,944)	$	14,547

(a)Refer to the section titled Recently Adopted Accounting Standards in Note 1 to the Consolidated Financial Statements in our 2024 Annual Report on Form 10-K for additional information.

The Notes to the Condensed Consolidated Financial Statements (unaudited) are an integral part of these statements.

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Condensed Consolidated Statement of Cash Flows (unaudited)

Ally Financial Inc. • Form 10-Q


Six months ended June 30, ($ in millions)	2025		2024
Operating activities
Net income	$	127	$	362
Reconciliation of net income to net cash provided by operating activities
Depreciation and amortization	690		582
Goodwill impairment	305		—
Provision for credit losses	575		964
Loss (gain) on mortgage and automotive loans, net	3		(12)
Other loss (gain) on investments, net	438		(22)
Originations and purchases of loans held-for-sale	(912)		(1,074)
Proceeds from sales and repayments of loans held-for-sale	1,044		1,311
Net change in
Deferred income taxes	(249)		(117)
Interest payable	22		290
Other assets	(153)		184
Other liabilities	(115)		115
Other, net	112		137
Net cash provided by operating activities	1,887		2,720
Investing activities
Purchases of equity securities	(397)		(457)
Proceeds from sales of equity securities	376		459
Purchases of available-for-sale securities	(4,493)		(246)
Proceeds from sales of available-for-sale securities	4,157		63
Proceeds from repayments of available-for-sale securities	954		898
Purchases of held-to-maturity securities	(412)		—
Proceeds from repayments of held-to-maturity securities	238		229
Purchases of finance receivables and loans held-for-investment	(2,192)		(1,718)
Proceeds from sales of finance receivables and loans initially held-for-investment	5		1,067
Originations and repayments of finance receivables and loans initially held-for-investment and other, net	1,701		47
Purchases of operating lease assets	(1,900)		(1,609)
Disposals of operating lease assets	1,453		2,164
Proceeds from sale of operation or business unit, net	2,412		1,956
Net change in nonmarketable equity investments	(36)		77
Other, net	(298)		(340)
Net cash provided by investing activities	1,568		2,590

Statement continues on the next page.

The Notes to the Condensed Consolidated Financial Statements (unaudited) are an integral part of these statements.

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Condensed Consolidated Statement of Cash Flows (unaudited)

Ally Financial Inc. • Form 10-Q


Six months ended June 30, ($ in millions)	2025		2024
Financing activities
Net change in short-term borrowings	2,231		(175)
Net decrease in deposits	(3,626)		(2,545)
Proceeds from issuance of long-term debt	953		549
Repayments of long-term debt	(2,612)		(2,175)
Repurchases of common stock	(35)		(30)
Common stock dividends paid	(192)		(188)
Preferred stock dividends paid	(56)		(56)
Net cash used in financing activities	(3,337)		(4,620)
Effect of exchange-rate changes on cash and cash equivalents and restricted cash	10		(5)
Net increase in cash and cash equivalents and restricted cash	128		685
Cash and cash equivalents and restricted cash at beginning of year	11,380		7,439
Cash and cash equivalents and restricted cash at June 30,	$	11,508	$	8,124
Supplemental disclosures
Cash paid for
Interest	$	3,202	$	3,455
Income taxes	108		45
Noncash items
Held-to-maturity securities received in consideration for loans sold	—		56

Loans held-for-sale transferred to finance receivables and loans held-for-investment	19		18

Finance receivables and loans held-for-investment transferred to loans held-for-sale	2,391		1,390

The following table provides a reconciliation of cash and cash equivalents and restricted cash from the Condensed Consolidated Balance Sheet to the Condensed Consolidated Statement of Cash Flows.


June 30, ($ in millions)	2025		2024
Cash and cash equivalents on the Condensed Consolidated Balance Sheet	$	10,592	$	7,369
Restricted cash and cash equivalents and restricted cash held for securitization trusts included in other assets on the Condensed Consolidated Balance Sheet (a)	916		755
Total cash and cash equivalents and restricted cash in the Condensed Consolidated Statement of Cash Flows	$	11,508	$	8,124

(a)Refer to Note 11 for additional details describing the nature of restricted cash and cash equivalent balances.

The Notes to the Condensed Consolidated Financial Statements (unaudited) are an integral part of these statements.

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Notes to Condensed Consolidated Financial Statements (unaudited)

Ally Financial Inc. • Form 10-Q

1. Description of Business, Basis of Presentation, and Changes in Significant Accounting Policies

Ally Financial Inc. (together with its consolidated subsidiaries unless the context otherwise requires, Ally, the Company, we, us, or our) is a financial-services company with the nation’s largest all-digital bank and an industry-leading automotive financing and insurance business, driven by a mission to “Do It Right” and be a relentless ally for customers and communities. The Company serves customers with deposits and securities brokerage and investment advisory services as well as automotive financing and insurance offerings. The Company also includes a seasoned corporate finance business that offers capital for equity sponsors and middle-market companies. Ally is a Delaware corporation and is registered as a BHC under the BHC Act and an FHC under the GLB Act.

Our accounting and reporting policies conform to U.S. GAAP. Additionally, where applicable, the policies conform to the accounting and reporting guidelines prescribed by bank regulatory authorities. Certain reclassifications may have been made to the prior periods’ financial statements and notes to conform to the current period’s presentation, which did not have a material impact on our Condensed Consolidated Financial Statements. The preparation of financial statements in conformity with U.S. GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and the related disclosure, including those of contingent assets and liabilities at the date of the financial statements. It also includes estimates related to the income and expenses during the reporting period and the related disclosures. In developing the estimates and assumptions, management uses all available evidence; however, actual results could differ because of uncertainties associated with estimating the amounts, timing, and likelihood of possible outcomes. Our most significant estimates pertain to the allowance for loan losses, the valuations of automotive operating lease assets and residuals, the fair value of financial instruments, and the determination of the provision for income taxes.

The Condensed Consolidated Financial Statements at June 30, 2025, and for the three months and six months ended June 30, 2025, and 2024, are unaudited but reflect all adjustments that are, in management’s opinion, necessary for the fair presentation of the results for the interim periods presented. Reclassifications have been made to the prior periods’ financial statements and notes to conform to the current period’s presentation. Refer to the section titled Change in Accounting Principle within Note 1 to the Consolidated Financial Statements in our 2024 Annual Report on Form 10-K for further details on our method of accounting for ITCs, and Note 26 to the Consolidated Financial Statements in our 2024 Annual Report on Form 10-K for further details on our change in allocation of costs to reportable segments and change in reportable segments. These unaudited Condensed Consolidated Financial Statements should be read in conjunction with the audited Consolidated Financial Statements (and the related Notes) included in our Annual Report on Form 10-K for the year ended December 31, 2024, as filed on February 19, 2025, with the SEC.

Significant Accounting Policies

Income Taxes

In calculating the provision for interim income taxes, in accordance with ASC 740, Income Taxes, we apply an estimated annual effective tax rate to year-to-date ordinary income. At the end of each interim period, we estimate the effective tax rate expected to be applicable for the full fiscal year. This method differs from that described in Note 1 to the Consolidated Financial Statements in our 2024 Annual Report on Form 10-K, which describes our annual significant income tax accounting policy and related methodology.

Refer to Note 1 to the Consolidated Financial Statements in our 2024 Annual Report on Form 10-K regarding additional significant accounting policies.

Recently Issued Accounting Standards

Improvements to Income Tax Disclosures (ASU 2023-09)

In December 2023, the FASB issued ASU 2023-09, Income Taxes (Topic 740): Improvements to Income Tax Disclosures. The purpose of this guidance is to enhance the rate reconciliation and income taxes paid disclosures. This ASU requires that an entity disclose, on an annual basis, specific categories in the rate reconciliation and provide additional information for reconciling items that meet a quantitative threshold. For the state and local income tax category of the rate reconciliation, entities must disclose a qualitative description of the states and local jurisdictions that make up the majority (greater than 50 percent) of the category. For the income taxes paid disclosures, entities will be required to disclose, on an annual basis, the amount of income taxes paid (net of refunds received) disaggregated by federal, state, and foreign taxes. The amendments are effective on January 1, 2025, for annual reporting and will be included in our 2025 Annual Report on Form 10-K. The amendments must be applied using either a prospective or retrospective approach. Management does not expect the impact of these amendments to be material.

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Notes to Condensed Consolidated Financial Statements (unaudited)

Ally Financial Inc. • Form 10-Q

Expense Disaggregation Disclosures (ASU 2024-03)

In November 2024, the FASB issued ASU 2024-03, Income Statement - Reporting Comprehensive Income (Subtopic 220-40): Expense Disaggregation Disclosures. The purpose of this ASU is to provide additional disclosure that will allow investors to better understand an entity’s performance, better assess an entity’s prospects for future cash flows, and more easily compare an entity’s performance over time and in relation to other similar entities. This ASU requires that an entity disclose, on an interim and annual basis, a disaggregation in the notes to the financial statements of certain income statement line items if the line item includes any of the five required expense categories, which are defined as (1) purchases of inventory, (2) employee compensation, (3) depreciation (including amortization of a finance ROU asset and leasehold improvements), (4) intangible asset amortization, and (5) depletion expense. For the “employee compensation” category, banking entities may continue to present compensation expense on the face of the income statement in accordance with Regulation S-X Rule 210.9-04. The disclosure should include a qualitative description of other expenses included within the income statement line item that are otherwise not disaggregated. This ASU also requires entities to disclose their total selling expenses for each reporting period. Selling expenses are not defined within the ASU, which will require entities to determine and disclose how they define selling expenses on an annual basis. The amendments are effective on January 1, 2027, for annual reporting, and for interim reporting thereafter, with early adoption permitted. The amendments must be applied using either a prospective or retrospective approach. Management does not expect the impact of these amendments to be material.

2. Held-for-sale Operations

On January 20, 2025, we formally approved our commitment to divest our credit card operations, Ally Credit Card, and entered a definitive agreement with CardWorks, Inc. During the six months ended June 30, 2025, the assets and liabilities of Ally Credit Card were transferred to assets and liabilities of operations held-for-sale and sold. The sale occurred on April 1, 2025. Ally Credit Card was a component of our Corporate and Other segment. The related operating results have been presented within continuing operations in the Condensed Consolidated Statement of Comprehensive Income for all periods presented.

During the fourth quarter of 2024, we began exploring strategic alternatives for Ally Credit Card, which resulted in a triggering event for goodwill impairment purposes, and recognized an $118 million goodwill impairment charge.

In connection with the classification of the operations as held-for-sale, the disposal group was measured at the lower-of-cost or fair value. First, the finance receivables and loans, along with the remaining assets and liabilities, were classified as held-for-sale and measured at the lower-of-cost or fair value. The fair value was determined based on the sales agreement with the third-party purchaser. Next, the carrying value of the disposal group was compared to fair value, which resulted in a goodwill impairment charge. Lastly, we recorded a valuation allowance on other assets related to estimated selling expenses. As a result, we recognized a net pretax loss of $8 million during the six months ended June 30, 2025, which was comprised of a benefit of $306 million to our provision for credit losses, offset by a $2 million asset impairment related to Ally Credit Card branded plastics, a goodwill impairment charge of $305 million, and a valuation allowance on other assets of $7 million. We do not expect to recognize any significant incremental costs related to this transaction.

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Notes to Condensed Consolidated Financial Statements (unaudited)

Ally Financial Inc. • Form 10-Q

3. Revenue from Contracts with Customers

Our primary revenue sources, which include financing revenue and other interest income, are addressed by other U.S. GAAP topics and are not in the scope of ASC Topic 606, Revenue from Contracts with Customers. As part of our Insurance operations, we recognize revenue from insurance contracts, which are addressed by other U.S. GAAP topics and are not included in the scope of this standard. Certain noninsurance contracts within our Insurance operations, including VSCs, GAP contracts, and VMCs, are included in the scope of this standard. All revenue associated with noninsurance contracts is recognized over the contract term on a basis proportionate to the anticipated cost emergence. Further, commissions and sales expense incurred to obtain these contracts are amortized over the terms of the related policies and service contracts on the same basis as premiums and service revenue are earned, and all advertising costs are recognized as expense when incurred.

The following tables present a disaggregated view of our revenue from contracts with customers. For further information regarding our revenue recognition policies and details about the nature of our respective revenue streams, refer to Note 1 and Note 3 to the Consolidated Financial Statements in our 2024 Annual Report on Form 10-K.


Three months ended June 30, ($ in millions)	Automotive Finance operations		Insurance operations		Corporate Finance operations		Corporate and Other		Consolidated
2025
Revenue from contracts with customers
Noninsurance contracts (a) (b) (c)	$	—	$	241	$	—	$	—	$	241
Remarketing fee income	31		—		—		—		31
Brokerage commissions and other revenue	—		—		—		20		20
Banking fees and interchange income (d)	—		—		—		6		6
Brokered/agent commissions	—		7		—		—		7
Other	5		1		—		1		7
Total revenue from contracts with customers	36		249		—		27		312
All other revenue	61		173		19		1		254
Total other revenue (e)	$	97	$	422	$	19	$	28	$	566
2024
Revenue from contracts with customers
Noninsurance contracts (a) (b) (c)	$	—	$	247	$	—	$	—	$	247
Remarketing fee income	30		—		—		—		30
Brokerage commissions and other revenue	—		—		—		22		22
Banking fees and interchange income (d)	—		—		—		14		14
Brokered/agent commissions	—		6		—		—		6
Other	4		1		—		—		5
Total revenue from contracts with customers	34		254		—		36		324
All other revenue	59		84		30		8		181
Total other revenue (e)	$	93	$	338	$	30	$	44	$	505

(a)We had opening balances of $3.0 billion and $2.9 billion in unearned revenue associated with outstanding contracts at April 1, 2025, and 2024, respectively, and $238 million and $244 million of these balances were recognized as insurance premiums and service revenue earned in our Condensed Consolidated Statement of Comprehensive Income during the three months ended June 30, 2025, and 2024.

(b)At June 30, 2025, we had unearned revenue of $3.0 billion associated with outstanding contracts, and with respect to this balance we expect to recognize revenue of $445 million during the remainder of 2025, $781 million in 2026, $639 million in 2027, $482 million in 2028, and $639 million thereafter. At June 30, 2024, we had unearned revenue of $3.0 billion associated with outstanding contracts.

(c)We had deferred insurance assets of $1.8 billion at both April 1, 2025, and June 30, 2025, and recognized $135 million of expense during the three months ended June 30, 2025. We had deferred insurance assets of $1.8 billion at both April 1, 2024, and June 30, 2024, and recognized $144 million of expense during the three months ended June 30, 2024.

(d)Interchange income is reported net of customer rewards related to Ally Credit Card. Customer rewards expense was $7 million for the three months ended June 30, 2024. We closed the sale of Ally Credit Card on April 1, 2025. Refer to Note 2 for additional information.

(e)Represents a component of total net revenue. Refer to Note 23 for further information on our reportable operating segments.

Table of Contents

Notes to Condensed Consolidated Financial Statements (unaudited)

Ally Financial Inc. • Form 10-Q


Six months ended June 30, ($ in millions)	Automotive Finance operations		Insurance operations		Corporate Finance operations		Corporate and Other		Consolidated
2025
Revenue from contracts with customers
Noninsurance contracts (a) (b)	$	—	$	482	$	—	$	—	$	482
Remarketing fee income	62		—		—		—		62
Brokerage commissions and other revenue	—		—		—		40		40
Banking fees and interchange income (c)	—		—		—		25		25
Brokered/agent commissions	—		12		—		—		12
Other	10		2		—		2		14
Total revenue from contracts with customers	72		496		—		67		635
All other revenue	122		290		48		(466)		(6)
Total other revenue (d)	$	194	$	786	$	48	$	(399)	$	629
2024
Revenue from contracts with customers
Noninsurance contracts (a) (b)	$	—	$	420	$	—	$	—	$	420
Remarketing fee income	60		—		—		—		60
Brokerage commissions and other revenue	—		—		—		45		45
Banking fees and interchange income (c)	—		—		—		23		23
Brokered/agent commissions	—		10		—		—		10
Other	9		1		—		—		10
Total revenue from contracts with customers	69		431		—		68		568
All other revenue	121		291		53		2		467
Total other revenue (d)	$	190	$	722	$	53	$	70	$	1,035

(a)We had opening balances of $3.0 billion in unearned revenue associated with outstanding contracts at both January 1, 2025, and 2024, and $476 million and $488 million of these balances were recognized as insurance premiums and service revenue earned in our Condensed Consolidated Statement of Comprehensive Income during the six months ended June 30, 2025, and 2024, respectively.

(b)We had deferred insurance assets of $1.8 billion at both January 1, 2025, and June 30, 2025, and recognized $276 million of expense during the six months ended June 30, 2025. We had deferred insurance assets of $1.8 billion at both January 1, 2024, and June 30, 2024, and recognized $291 million of expense during the six months ended June 30, 2024.

(c)Interchange income is reported net of customer rewards related to Ally Credit Card. Customer rewards expense was $6 million and $13 million for the six months ended June 30, 2025, and 2024, respectively. We closed the sale of Ally Credit Card on April 1, 2025. Refer to Note 2 for additional information.

(d)Represents a component of total net revenue. Refer to Note 23 for further information on our reportable operating segments.

In addition to the components of other revenue presented above, as part of our Automotive Finance operations, we recognized net remarketing losses on the sale of off-lease vehicles of $19 million for the six months ended June 30, 2025, compared to net remarketing gains of $59 million and $105 million for the three months and six months ended June 30, 2024, respectively. These gains and losses are included in depreciation expense on operating lease assets in our Condensed Consolidated Statement of Comprehensive Income. Refer to Note 9 for additional information.

4. Other Income, Net of Losses

Details of other income, net of losses, were as follows.


	Three months ended June 30,				Six months ended June 30,
($ in millions)	2025		2024		2025		2024
Late charges and other administrative fees	$	33	$	47	$	84	$	101
Remarketing fees	31		30		62		60
Income from equity-method investments (a)	15		12		41		4
Other, net	71		76		160		150
Total other income, net of losses (b)	$	150	$	165	$	347	$	315

(a)Refer to Note 11 for further information on our equity-method investment.

(b)Includes the activity of Ally Credit Card prior to the sale on April 1, 2025. Refer to Note 2 for additional information.

Table of Contents

Notes to Condensed Consolidated Financial Statements (unaudited)

Ally Financial Inc. • Form 10-Q

5. Reserves for Insurance Losses and Loss Adjustment Expenses

The following table shows a rollforward of our reserves for insurance losses and loss adjustment expenses.


($ in millions)	2025		2024
Total gross reserves for insurance losses and loss adjustment expenses at January 1,	$	189	$	140
Less: Reinsurance recoverable	60		66
Net reserves for insurance losses and loss adjustment expenses at January 1,	129		74
Net insurance losses and loss adjustment expenses incurred related to:
Current year	359		281
Prior years (a)	5		12
Total net insurance losses and loss adjustment expenses incurred	364		293
Net insurance losses and loss adjustment expenses paid or payable related to:
Current year	(234)		(207)
Prior years	(71)		(56)
Total net insurance losses and loss adjustment expenses paid or payable	(305)		(263)
Net reserves for insurance losses and loss adjustment expenses at June 30,	188		104
Plus: Reinsurance recoverable (b)	66		99
Total gross reserves for insurance losses and loss adjustment expenses at June 30, (c)	$	254	$	203

(a)There have been no material adverse changes to the reserve for prior years.

(b)Included in premiums receivable and other insurance assets on our Condensed Consolidated Balance Sheet.

(c)Included in accrued expenses and other liabilities on our Condensed Consolidated Balance Sheet.

6. Other Operating Expenses

Details of other operating expenses were as follows.


	Three months ended June 30,				Six months ended June 30,
($ in millions)	2025		2024		2025		2024
Insurance commissions	$	155	$	161	$	316	$	322
Technology and communications	101		103		204		209
Advertising and marketing	65		79		126		152
Property and equipment depreciation	61		57		124		114
Lease and loan administration	44		43		90		91
Regulatory and licensing fees	39		38		83		92
Professional services	36		39		67		70
Vehicle remarketing and repossession	30		32		63		65
Amortization of intangible assets	—		5		3		11
Other	98		106		216		214
Total other operating expenses (a)	$	629	$	663	$	1,292	$	1,340

(a)Includes the activity of Ally Credit Card prior to the sale on April 1, 2025. Refer to Note 2 for additional information.

Table of Contents

Notes to Condensed Consolidated Financial Statements (unaudited)

Ally Financial Inc. • Form 10-Q

7. Investment Securities

Our investment portfolio includes various debt and equity securities. Our debt securities, which are classified as available-for-sale or held-to-maturity, include government securities, corporate bonds, asset-backed securities, and mortgage-backed securities. The cost, fair value, and gross unrealized gains and losses on available-for-sale and held-to-maturity securities were as follows.


	June 30, 2025								December 31, 2024
	Amortized cost		Gross unrealized				Fair value		Amortized cost		Gross unrealized				Fair value
($ in millions)			gains		losses						gains		losses
Available-for-sale securities
Debt securities
U.S. Treasury and federal agencies	$	2,216	$	16	$	(61)	$	2,171	$	2,073	$	—	$	(200)	$	1,873
U.S. States and political subdivisions	669		—		(93)		576		704		—		(87)		617
Foreign government	197		1		(4)		194		198		1		(5)		194
Agency mortgage-backed residential (a)	15,032		4		(2,381)		12,655		16,765		—		(3,112)		13,653
Mortgage-backed residential	240		—		(39)		201		249		—		(43)		206
Agency mortgage-backed commercial (a)	5,388		11		(702)		4,697		4,819		1		(836)		3,984

Asset-backed	45		—		—		45		131		—		(2)		129
Corporate debt	1,928		12		(82)		1,858		1,871		3		(120)		1,754
Total available-for-sale securities (b) (c) (d) (e) (f)	$	25,715	$	44	$	(3,362)	$	22,397	$	26,810	$	5	$	(4,405)	$	22,410
Held-to-maturity securities
Debt securities
Agency mortgage-backed residential	$	1,310	$	1	$	(175)	$	1,136	$	935	$	—	$	(196)	$	739
Mortgage-backed residential	3,184		171		—		3,355		3,323		142		—		3,465
Asset-backed retained notes	67		1		—		68		88		1		—		89
Total held-to-maturity securities (d) (f) (g)	$	4,561	$	173	$	(175)	$	4,559	$	4,346	$	143	$	(196)	$	4,293

(a)Fair value includes basis adjustments for securities in closed portfolios with active hedges under the portfolio layer method. This includes a $47 million asset and a $72 million liability for agency mortgage-backed residential securities at June 30, 2025, and December 31, 2024, respectively, and a $36 million asset and a $34 million liability for agency mortgage-backed commercial securities at June 30, 2025, and December 31, 2024. These basis adjustments would be allocated to the amortized cost of specific securities within the pool if the hedge was dedesignated. Refer to Note 19 for additional information.

(b)Certain available-for-sale securities are included in fair value hedging relationships. Refer to Note 19 for additional information.

(c)Certain entities related to our Insurance operations are required to deposit securities with state regulatory authorities. These deposited securities totaled $13 million at both June 30, 2025, and December 31, 2024.

(d)Investment securities with a fair value of $4.2 billion and $3.4 billion were pledged as collateral at June 30, 2025, and December 31, 2024, respectively. This primarily included $2.8 billion and $2.9 billion pledged to secure advances from the FHLB at June 30, 2025, and December 31, 2024, respectively. This also included securities pledged for other purposes as required by contractual obligations or law, under which agreements we granted the counterparty the right to sell or pledge $1.4 billion and $439 million of the underlying available-for-sale securities at June 30, 2025, and December 31, 2024, respectively.

(e)Totals do not include accrued interest receivable, which was $85 million and $73 million at June 30, 2025, and December 31, 2024, respectively. Accrued interest receivable is included in other assets on our Condensed Consolidated Balance Sheet.

(f)There was no allowance for credit losses recorded at both June 30, 2025, or December 31, 2024, as management determined that there were no expected credit losses in our portfolio of available-for-sale and held-to-maturity securities.

(g)Totals do not include accrued interest receivable, which was $13 million and $12 million at June 30, 2025, and December 31, 2024, respectively. Accrued interest receivable is included in other assets on our Condensed Consolidated Balance Sheet.

As of December 31, 2024, we did not have the intent to sell available-for-sale securities in an unrealized loss position and we did not believe it was more likely than not that we would be required to sell these securities before recovery of their amortized cost basis. In the first quarter of 2025, we executed a balance sheet repositioning of a portion of our available-for-sale securities as a result of our capital allocation planning related to the sale of Ally Credit Card. We sold lower-yielding securities with an amortized cost of approximately $4.6 billion for proceeds of $4.1 billion, resulting in a pre-tax loss of $495 million during the six months ended June 30, 2025. We reinvested the proceeds in shorter duration, highly liquid securities at current market rates. As of June 30, 2025, we did not have the intent to sell available-for-sale securities in an unrealized loss position and we do not believe it is more likely than not that we will be required to sell these securities before recovery of their amortized cost basis.

Table of Contents

Notes to Condensed Consolidated Financial Statements (unaudited)

Ally Financial Inc. • Form 10-Q

The maturity distribution of debt securities outstanding is summarized in the following tables based upon contractual maturities. Call or prepayment options may cause actual maturities to differ from contractual maturities.


	Total				Due in one year or less				Due after one year through five years				Due after five years through ten years				Due after ten years
($ in millions)	Amount		Yield		Amount		Yield		Amount		Yield		Amount		Yield		Amount		Yield
June 30, 2025
Fair value of available-for-sale securities (a)
U.S. Treasury and federal agencies	$	2,171	3.4	%	$	36	0.7	%	$	1,670	3.9	%	$	465	1.9	%	$	—	—	%
U.S. States and political subdivisions	576		3.5		16		2.9		85		4.5		84		4.3		391		3.1
Foreign government	194		2.7		12		2.1		82		2.2		100		3.2		—		—
Agency mortgage-backed residential (b)	12,655		2.9		—		—		1		2.8		—		—		12,654		2.9
Mortgage-backed residential	201		2.7		—		—		—		—		—		—		201		2.7
Agency mortgage-backed commercial (b)	4,697		2.7		23		3.0		985		4.0		1,928		2.5		1,761		2.1

Asset-backed	45		1.5		—		—		45		1.5		—		—		—		—
Corporate debt	1,858		3.3		160		2.7		897		2.5		652		4.1		149		5.5
Total available-for-sale securities	$	22,397	2.9		$	247	2.4		$	3,765	3.5		$	3,229	2.8		$	15,156	2.8
Amortized cost of available-for-sale securities	$	25,715			$	248			$	3,813			$	3,558			$	18,096
Amortized cost of held-to-maturity securities (c)
Agency mortgage-backed residential	$	1,310	3.5	%	$	—	—	%	$	—	—	%	$	—	—	%	$	1,310	3.5	%
Mortgage-backed residential	3,184		2.8		—		—		—		—		8		3.4		3,176		2.8
Asset-backed retained notes	67		5.4		—		—		48		5.3		19		5.6		—		—
Total held-to-maturity securities	$	4,561	3.1		$	—	—		$	48	5.3		$	27	5.0		$	4,486	3.0
December 31, 2024
Fair value of available-for-sale securities (a)
U.S. Treasury and federal agencies	$	1,873	1.6	%	$	54	1.0	%	$	1,087	1.5	%	$	732	1.9	%	$	—	—	%
U.S. States and political subdivisions	617		3.4		33		6.2		72		3.1		86		4.1		426		3.2
Foreign government	194		2.7		33		2.1		51		2.5		110		2.9		—		—
Agency mortgage-backed residential (b)	13,653		2.6		—		—		7		2.0		23		2.5		13,623		2.6
Mortgage-backed residential	206		2.7		—		—		—		—		—		—		206		2.7
Agency mortgage-backed commercial (b)	3,984		2.5		23		3.1		339		3.7		1,724		2.5		1,898		2.1
Asset-backed	129		1.5		—		—		128		1.5		1		4.0		—		—
Corporate debt	1,754		3.1		184		3.0		754		2.6		695		3.3		121		5.3
Total available-for-sale securities	$	22,410	2.5		$	327	2.3		$	2,438	2.2		$	3,371	2.6		$	16,274	2.6
Amortized cost of available-for-sale securities	$	26,810			$	330			$	2,579			$	3,844			$	20,057
Amortized cost of held-to-maturity securities (c)
Agency mortgage-backed residential	$	935	2.7	%	$	—	—	%	$	—	—	%	$	—	—	%	$	935	2.7	%
Mortgage-backed residential	3,323		2.8		—		—		—		—		9		3.1		3,314		2.8
Asset-backed retained notes	88		5.4		—		—		64		5.3		24		5.6		—		—
Total held-to-maturity securities	$	4,346	2.9		$	—	—		$	64	5.3		$	33	5.0		$	4,249	2.8

(a)Yield is calculated using the effective yield of each security at the end of the period, weighted based on the market value by security for the securities within each maturity distribution range. The effective yield considers the contractual coupon and amortized cost inclusive of hedge basis adjustments for dedesignated hedges, and excludes expected capital gains and losses. Yield does not consider hedging effects for securities in active hedges.

(b)Fair value includes basis adjustments for securities in closed portfolios with active hedges under the portfolio layer method. This includes a $47 million asset and a $72 million liability for agency mortgage-backed residential securities at June 30, 2025, and December 31, 2024, respectively, and a $36 million asset and a $34 million liability for agency mortgage-backed commercial securities at June 30, 2025, and December 31, 2024. These basis adjustments would be allocated to the amortized cost of specific securities within the pool if the hedge was dedesignated. Refer to Note 19 for additional information.

(c)Yield is calculated using the effective yield of each security at the end of the period, weighted based on amortized cost by security for the securities within each maturity distribution range. The effective yield considers the contractual coupon and amortized cost and excludes capital gains, capital losses, and the premium or discount on securities transferred from available-for-sale to held-to-maturity.

The balances of cash equivalents were $360 million and $106 million at June 30, 2025, and December 31, 2024, respectively, and were composed primarily of money-market funds.

Table of Contents

Notes to Condensed Consolidated Financial Statements (unaudited)

Ally Financial Inc. • Form 10-Q

The following table presents interest and dividends on investment securities.


	Three months ended June 30,				Six months ended June 30,
($ in millions)	2025		2024		2025		2024
Taxable interest	$	228	$	244	$	438	$	489
Taxable dividends	5		6		10		10
Interest and dividends exempt from U.S. federal income tax	6		5		12		11
Interest and dividends on investment securities	$	239	$	255	$	460	$	510

The following table presents gross gains and losses realized upon the sales of available-for-sale securities, and net gains or losses on equity securities held during the period.


	Three months ended June 30,				Six months ended June 30,
($ in millions)	2025		2024		2025		2024
Available-for-sale securities
Gross realized gains	$	2	$	—	$	2	$	1
Gross realized losses (a)	—		—		(495)		—
Net realized gain (loss) on available-for-sale securities	2		—		(493)		1
Net realized gain on equity securities	25		21		33		38
Net unrealized gain (loss) on equity securities	34		(28)		22		(17)
Other gain (loss) on investments, net	$	61	$	(7)	$	(438)	$	22

(a)Includes losses reclassified from accumulated other comprehensive loss related to the balance sheet repositioning of our available-for-sale securities portfolio.

The following table presents the credit quality of our held-to-maturity securities, based on the latest available information as of June 30, 2025, and December 31, 2024. The credit ratings are sourced from nationally recognized statistical rating organizations, which include S&P, Moody’s, Fitch, and DBRS. The ratings presented are a composite of the ratings sourced from the agencies or, if the ratings cannot be sourced from the agencies, are based on the asset type of the particular security. All our held-to-maturity securities were current in their payment of principal and interest as of both June 30, 2025, and December 31, 2024. We have not recorded any interest income reversals on our held-to-maturity securities during the six months ended June 30, 2025, or June 30, 2024.



($ in millions)	AAA		AA		A		BBB		Total (a)
June 30, 2025
Debt securities
Agency mortgage-backed residential	$	—	$	1,310	$	—	$	—	$	1,310
Mortgage-backed residential	3,108		75		1		—		3,184
Asset-backed retained notes	61		3		2		1		67
Total held-to-maturity securities	$	3,169	$	1,388	$	3	$	1	$	4,561
December 31, 2024
Debt securities
Agency mortgage-backed residential	$	—	$	935	$	—	$	—	$	935
Mortgage-backed residential	3,241		78		4		—		3,323
Asset-backed retained notes	81		3		2		2		88
Total held-to-maturity securities	$	3,322	$	1,016	$	6	$	2	$	4,346

(a)Rating agencies indicate that they base their ratings on many quantitative and qualitative factors, which may include capital adequacy, liquidity, asset quality, business mix, level and quality of earnings, and the current operating, legislative, and regulatory environment. A credit rating is not a recommendation to buy, sell, or hold securities, and the ratings are subject to revision or withdrawal at any time by the assigning rating agency.

Table of Contents

Notes to Condensed Consolidated Financial Statements (unaudited)

Ally Financial Inc. • Form 10-Q

The following table summarizes available-for-sale securities in an unrealized loss position, which we evaluated to determine if a credit loss exists requiring the recognition of an allowance for credit losses. For additional information on our methodology, refer to Note 1 to the Consolidated Financial Statements in our 2024 Annual Report on Form 10-K. We have not recorded any interest income reversals on our available-for-sale securities during the six months ended June 30, 2025, or June 30, 2024.


	June 30, 2025								December 31, 2024
	Less than 12 months				12 months or longer				Less than 12 months				12 months or longer
($ in millions)	Fair value		Unrealized loss		Fair value		Unrealized loss		Fair value		Unrealized loss		Fair value		Unrealized loss
Available-for-sale securities
Debt securities
U.S. Treasury and federal agencies	$	—	$	—	$	599	$	(61)	$	—	$	—	$	1,873	$	(200)
U.S. States and political subdivisions	45		(2)		454		(91)		87		(2)		472		(85)
Foreign government	61		(1)		76		(3)		40		—		112		(5)
Agency mortgage-backed residential (a)	1,425		(5)		10,487		(2,376)		127		(3)		13,518		(3,109)
Mortgage-backed residential	—		—		200		(39)		—		—		206		(43)
Agency mortgage-backed commercial (a)	194		(4)		3,524		(698)		428		(11)		3,445		(825)
Asset-backed	—		—		44		—		—		—		124		(2)
Corporate debt	128		(2)		1,217		(80)		265		(6)		1,319		(114)
Total available-for-sale securities	$	1,853	$	(14)	$	16,601	$	(3,348)	$	947	$	(22)	$	21,069	$	(4,383)

(a)Includes basis adjustments for certain securities that are included in closed portfolios with active hedges under the portfolio layer method at June 30, 2025, and December 31, 2024. The basis adjustments would be allocated to the amortized cost of specific securities within the pool if the hedge was dedesignated. Refer to Note 19 for additional information.

During the six months ended June 30, 2025, and 2024, management determined that there were no expected credit losses for securities in an unrealized loss position. This analysis considered a variety of factors including, but not limited to, performance indicators of the issuer, default rates, industry analyst reports, credit ratings, and other relevant information, which indicated that contractual cash flows are expected to occur. As a result of this evaluation, management determined that no credit reserves were required at June 30, 2025, or December 31, 2024.

Table of Contents

Notes to Condensed Consolidated Financial Statements (unaudited)

Ally Financial Inc. • Form 10-Q

8. Finance Receivables and Loans, Net

The composition of finance receivables and loans reported at amortized cost basis was as follows.


($ in millions)	June 30, 2025		December 31, 2024

Consumer automotive (a)	$	84,365	$	83,757



Consumer mortgage (b)	16,588		17,234



Consumer other (c)	—		2,294
Total consumer	100,953		103,285
Commercial
Commercial and industrial
Automotive	16,443		18,259
Other	9,088		8,212
Commercial real estate	6,745		6,274
Total commercial	32,276		32,745
Total finance receivables and loans (d) (e)	$	133,229	$	136,030

(a)Certain finance receivables and loans are included in fair value hedging relationships. Refer to Note 19 for additional information.

(b)Includes loans originated as interest-only mortgage loans of $5 million and $12 million at June 30, 2025, and December 31, 2024, respectively, of which all have exited the interest-only period.

(c)Consists of credit card finance receivables and loans. We closed the sale of Ally Credit Card on April 1, 2025. Refer to Note 2 for additional information. Billed interest on our credit card loans was included within finance receivables and loans, net as of December 31, 2024.

(d)Totals include net unearned income, unamortized premiums and discounts, and deferred fees and costs of $2.3 billion at both June 30, 2025, and December 31, 2024.

(e)Totals do not include accrued interest receivable, which was $756 million and $839 million at June 30, 2025, and December 31, 2024, respectively. Accrued interest receivable is included in other assets on our Condensed Consolidated Balance Sheet.

The following tables present an analysis of the activity in the allowance for loan losses on finance receivables and loans for the three months and six months ended June 30, 2025, and 2024, respectively.


Three months ended June 30, 2025 ($ in millions)	Consumer automotive		Consumer mortgage		Commercial		Total
Allowance at April 1, 2025	$	3,144	$	18	$	236	$	3,398
Charge-offs (a)	(599)		(2)		(1)		(602)
Recoveries	233		2		1		236
Net charge-offs	(366)		—		—		(366)

Provision for credit losses	389		(1)		(4)		384
Other	(1)		—		1		—
Allowance at June 30, 2025	$	3,166	$	17	$	233	$	3,416

(a)Refer to Note 1 to the Consolidated Financial Statements in our 2024 Annual Report on Form 10-K for information regarding our charge-off policies.


Six months ended June 30, 2025 ($ in millions)	Consumer automotive		Consumer mortgage		Consumer other (a)		Commercial		Total
Allowance at January 1, 2025	$	3,170	$	19	$	319	$	206	$	3,714
Charge-offs (b)	(1,275)		(2)		(68)		(2)		(1,347)
Recoveries	464		3		5		2		474
Net charge-offs	(811)		1		(63)		—		(873)

Provision for credit losses	807		(1)		(257)		26		575

Ally Financial Inc. 10-Q