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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 March 31, 2026, 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 May 1, 2026, the number of shares outstanding of the Registrant’s common stock was 306,523,062 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 Ended March 31 , 202 6 , and 202 5	5
	Condensed Consolidated Balance Sheet (unaudited) at March 31 , 202 6 , and December 31, 202 5	7
	Condensed Consolidated Statement of Changes in Equity (unaudited) for the Three Months Ended March 3 1 , 202 6 , and 202 5	9
	Condensed Consolidated Statement of Cash Flows (unaudited) for the Three Months Ended March 3 1 , 202 6 , and 202 5	10
	Notes to Condensed Consolidated Financial Statements (unaudited)	12
	Note 1. Description of Business, Basis of Presentation, and Changes in Significant Accounting Policies	12
	Note 2. Revenue from Contracts with Customers	14
	Note 3. Other Income, Net of Losses	15
	Note 4. Reserves for Insurance Losses and Loss Adjustment Expenses	15
	Note 5. Other Operating Expenses	16
	Note 6. Investment Securities	17
	Note 7. Finance Receivables and Loans, Net	21
	Note 8. Leasing	31
	Note 9. Securitizations and Variable Interest Entities	33
	Note 10. Other Assets	36
	Note 11. Deposit Liabilities	38
	Note 12. Debt	38
	Note 13. Accrued Expenses and Other Liabilities	39
	Note 14. Preferred Stock	40
	Note 15. Accumulated Other Comprehensive Loss	40
	Note 16. Earnings per Common Share	42
	Note 17. Regulatory Capital and Other Regulatory Matters	42
	Note 18. Derivative Instruments and Hedging Activities	46
	Note 19. Income Taxes	51
	Note 20. Fair Value	51
	Note 21. Offsetting Assets and Liabilities	57
	Note 22. Segment Information	58
	Note 23. Contingencies and Other Risks	61
	Note 24. Subsequent Events	61
Item 2.	Management’s Discussion and Analysis of Financial Condition and Results of Operations	62
Item 3.	Quantitative and Qualitative Disclosures About Market Risk	107
Item 4.	Controls and Procedures	108
Part II — Other Information		109
Item 1.	Legal Proceedings	109
Item 1A.	Risk Factors	109
Item 2.	Unregistered Sales of Equity Securities and Use of Proceeds	109
Item 3.	Defaults Upon Senior Securities	109
Item 4.	Mine Safety Disclosures	109
Item 5.	Other Information	109
Item 6.	Exhibits	110
Signatures		111

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



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 Financial Inc. 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





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

DTA						Deferred tax asset
DVA						Debit valuation adjustment


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

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


IDI						Insured Depository Institution




LCR						Liquidity coverage ratio
LGD						Loss given default

Table of Contents

Index of Defined Terms

Ally Financial Inc. • Form 10-Q


Term						Definition
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

PCD						Purchased credit deteriorated


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





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

Table of Contents

PART I — FINANCIAL INFORMATION

Item 1. Financial Statements

Condensed Consolidated Statement of Comprehensive Income (unaudited)

Ally Financial Inc. • Form 10-Q


	Three months ended March 31,
($ in millions)		2026		2025
Financing revenue and other interest income
Interest and fees on finance receivables and loans		$	2,658	$	2,709
Interest on loans held-for-sale		9		5
Interest and dividends on investment securities and other earning assets		234		230
Interest on cash and cash equivalents		81		98
Operating leases		392		351
Total financing revenue and other interest income		3,374		3,393
Interest expense
Interest on deposits		1,233		1,403
Interest on short-term borrowings		19		1
Interest on long-term debt		265		271

Total interest expense		1,517		1,675
Net depreciation expense on operating lease assets		268		240
Net financing revenue and other interest income		1,589		1,478
Other revenue
Insurance premiums and service revenue earned		360		364
(Loss) gain on mortgage and automotive loans, net		(3)		1
Other loss on investments, net		(21)		(499)
Other income, net of losses		177		197
Total other revenue		513		63
Total net revenue		2,102		1,541
Provision for credit losses		467		191
Noninterest expense
Compensation and benefits expense		491		505
Insurance losses and loss adjustment expenses		121		161
Goodwill impairment		—		305
Other operating expenses		623		663
Total noninterest expense		1,235		1,634
Income (loss) from continuing operations before income tax expense (benefit)		400		(284)
Income tax expense (benefit) from continuing operations		81		(59)
Net income (loss) from continuing operations		319		(225)

Net income (loss)		$	319	$	(225)
Other comprehensive income, net of tax		13		662
Comprehensive income		$	332	$	437

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 March 31,
($ in millions, except per share data; shares in thousands) (a)		2026		2025
Net income (loss) from continuing operations attributable to common shareholders		$	291	$	(253)

Net income (loss) attributable to common shareholders		$	291	$	(253)
Basic weighted-average common shares outstanding (b)		310,992		309,006
Diluted weighted-average common shares outstanding (b) (c)		313,219		309,006
Basic earnings per common share
Net income (loss) from continuing operations		$	0.94	$	(0.82)

Net income (loss)		$	0.94	$	(0.82)
Diluted earnings per common share
Net income (loss) from continuing operations		$	0.93	$	(0.82)

Net income (loss)		$	0.93	$	(0.82)
Cash dividends declared per common share		$	0.30	$	0.30

(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.

(c)Due to the antidilutive effect of the net loss from continuing operations for the three months ended March 31, 2025, basic weighted-average common shares outstanding was used to calculate basic and diluted earnings per share. During the three months ended March 31, 2025, there were 2.7 million in share-based awards excluded because their inclusion would have been antidilutive.

Refer to Note 16 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)	March 31, 2026		December 31, 2025
Assets
Cash and cash equivalents
Noninterest-bearing	$	380	$	405
Interest-bearing	9,138		9,625
Total cash and cash equivalents	9,518		10,030
Equity securities	863		876
Available-for-sale securities (amortized cost basis of $25,974 and $25,825)	23,038		22,973
Held-to-maturity securities (fair value of $4,387 and $4,451)	4,337		4,371
Loans held-for-sale, net	337		549
Finance receivables and loans, net
Finance receivables and loans, net of unearned income	139,890		137,454
Allowance for loan losses	(3,540)		(3,490)
Total finance receivables and loans, net	136,350		133,964
Investment in operating leases, net	8,699		8,772
Premiums receivable and other insurance assets	2,817		2,844
Other assets	11,310		11,623

Total assets	$	197,269	$	196,002
Liabilities
Deposit liabilities
Noninterest-bearing	$	137	$	125
Interest-bearing	153,015		151,524
Total deposit liabilities	153,152		151,649
Short-term borrowings	4,126		4,695
Long-term debt	17,349		17,070
Interest payable	852		729
Unearned insurance premiums and service revenue	3,665		3,656
Accrued expenses and other liabilities	2,516		2,705

Total liabilities	181,660		180,504
Contingencies (refer to Note 23)
Equity
Common stock and paid-in capital ($0.01 par value, shares authorized 1,100,000,000; issued 522,896,204 and 520,355,804; and outstanding 307,407,671 and 308,492,929)	22,346		22,295
Preferred stock	2,324		2,324
Retained earnings	827		633
Accumulated other comprehensive loss	(2,773)		(2,786)
Treasury stock, at cost (215,488,533 and 211,862,875 shares)	(7,115)		(6,968)
Total equity	15,609		15,498
Total liabilities and equity	$	197,269	$	196,002

Statement continues on the next page.

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

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)	March 31, 2026		December 31, 2025
Assets
Finance receivables and loans, net
Consumer automotive	$	3,542	$	3,096


Allowance for loan losses	(133)		(116)
Total finance receivables and loans, net	3,409		2,980

Other assets	344		260
Total assets	$	3,753	$	3,240
Liabilities
Long-term debt	$	2,056	$	1,479
Accrued expenses and other liabilities	4		3
Total liabilities	$	2,060	$	1,482

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

Table of Contents

Condensed Consolidated Statement of Changes in Equity (unaudited)

Ally Financial Inc. • Form 10-Q



($ in millions)	Common stock and paid-in capital		Preferred stock		Retained earnings (accumulated deficit)		Accumulated other comprehensive loss		Treasury stock		Total equity
Balance at January 1, 2025	$	22,142	$	2,324	$	270	$	(3,924)	$	(6,909)	$	13,903
Net loss					(225)						(225)
Preferred stock dividends — Series B					(16)						(16)
Preferred stock dividends — Series C					(12)						(12)
Share-based compensation	49										49
Other comprehensive income							662				662
Common stock repurchases									(34)		(34)
Common stock dividends ($0.30 per share)					(95)						(95)
Balance at March 31, 2025	$	22,191	$	2,324	$	(78)	$	(3,262)	$	(6,943)	$	14,232
Balance at January 1, 2026	$	22,295	$	2,324	$	633	$	(2,786)	$	(6,968)	$	15,498
Net income					319						319
Preferred stock dividends — Series B					(16)						(16)
Preferred stock dividends — Series C					(12)						(12)
Share-based compensation	51										51
Other comprehensive income							13				13
Common stock repurchases									(147)		(147)
Common stock dividends ($0.30 per share)					(97)						(97)
Balance at March 31, 2026	$	22,346	$	2,324	$	827	$	(2,773)	$	(7,115)	$	15,609

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

Table of Contents

Condensed Consolidated Statement of Cash Flows (unaudited)

Ally Financial Inc. • Form 10-Q


Three months ended March 31, ($ in millions)	2026		2025
Operating activities
Net income (loss)	$	319	$	(225)
Reconciliation of net income (loss) to net cash provided by operating activities
Depreciation and amortization	378		361
Goodwill impairment	—		305
Provision for credit losses	467		191
Loss (gain) on mortgage and automotive loans, net	3		(1)
Other loss on investments, net	21		499
Originations and purchases of loans held-for-sale	(626)		(490)
Proceeds from sales and repayments of loans held-for-sale	585		543
Net change in
Deferred income taxes	22		(178)
Interest payable	123		64
Other assets	71		(128)
Other liabilities	(80)		(137)
Other, net	88		136
Net cash provided by operating activities	1,371		940
Investing activities
Purchases of equity securities	(331)		(196)
Proceeds from sales of equity securities	333		122
Purchases of available-for-sale securities	(781)		(3,649)
Proceeds from sales of available-for-sale securities	125		2,669
Proceeds from repayments of available-for-sale securities	506		440
Purchases of held-to-maturity securities	(44)		(248)
Proceeds from repayments of held-to-maturity securities	117		109
Purchases of finance receivables and loans held-for-investment	(1,754)		(843)
Proceeds from sales of finance receivables and loans initially held-for-investment	254		5
Originations and repayments of finance receivables and loans initially held-for-investment and other, net	(1,137)		537
Purchases of operating lease assets	(705)		(819)
Disposals of operating lease assets	474		681

Net change in nonmarketable equity investments	26		2
Other, net	(126)		(151)
Net cash used in investing activities	(3,043)		(1,341)

Statement continues on the next page.

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

Table of Contents

Condensed Consolidated Statement of Cash Flows (unaudited)

Ally Financial Inc. • Form 10-Q


Three months ended March 31, ($ in millions)	2026		2025
Financing activities
Net change in short-term borrowings	(569)		1,714
Net increase (decrease) in deposits	1,684		(64)
Proceeds from issuance of long-term debt	1,081		24
Repayments of long-term debt	(824)		(1,074)
Repurchases of common stock	(147)		(34)
Common stock dividends paid	(102)		(100)
Preferred stock dividends paid	(28)		(28)
Net cash provided by financing activities	1,095		438
Effect of exchange-rate changes on cash and cash equivalents and restricted cash	(3)		—
Net (decrease) increase in cash and cash equivalents and restricted cash	(580)		37
Cash and cash equivalents and restricted cash at beginning of year	11,809		11,380
Cash and cash equivalents and restricted cash at March 31,	$	11,229	$	11,417
Supplemental disclosures
Cash paid for
Interest	$	1,370	$	1,587
Income taxes	12		13
Noncash items




Finance receivables and loans held-for-investment transferred to loans held-for-sale	7		2,321

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.


March 31, ($ in millions)	2026		2025
Cash and cash equivalents on the Condensed Consolidated Balance Sheet	$	9,518	$	10,409
Restricted cash and cash equivalents and restricted cash held for securitization trusts included in other assets on the Condensed Consolidated Balance Sheet (a)	1,711		1,008
Total cash and cash equivalents and restricted cash in the Condensed Consolidated Statement of Cash Flows	$	11,229	$	11,417

(a)Refer to Note 10 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.

Table of Contents

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 all stakeholders. 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 March 31, 2026, and for the three months ended March 31, 2026, and 2025, 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. 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, 2025, as filed on February 25, 2026, 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 2025 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 2025 Annual Report on Form 10-K regarding additional significant accounting policies.

Recently Issued Accounting Standards

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 will require 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 will also require 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. We do 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

Targeted Improvements to the Accounting for Internal-Use Software (ASU 2025-06)

In September 2025, the FASB issued ASU 2025-06, Intangibles—Goodwill and Other—Internal-Use Software (Subtopic 350-40): Targeted Improvements to the Accounting for Internal-Use Software. The purpose of this ASU is to improve the accounting for internal-use software costs by aligning the accounting with modern software development processes. This ASU removes all references to sequential software development project stages from U.S. GAAP, but does not change the types of costs that are eligible to be capitalized. Under the updated guidance, entities will be required to begin capitalizing software project costs when (1) management has authorized and committed to funding the software project and (2) it is probable that the project will be completed, and the software will be used to perform the function intended (called the “probable-to-complete” threshold). When evaluating whether the probable-to-complete threshold is met, entities must consider whether there is significant development uncertainty associated with the software, including determining whether the software project contains technological innovations or novel, unique, or unproven functions or features. Entities should also consider if there are significant performance requirements (e.g., functions or features) of the software project that have not yet been identified or continue to be substantially revised. The amendments do not define what is considered “significant” and instead will require management judgment. The amendments are effective January 1, 2028, with early adoption permitted. The amendments can be applied using a prospective approach, a retrospective approach, or a modified approach that bases the adoption of the amendments on the completion status of the software project as of the adoption date. We are currently evaluating the impact of these amendments.

Purchased Loans (ASU 2025-08)

In November 2025, the FASB issued ASU 2025-08, Financial Instruments—Credit Losses (Topic 326): Purchased Loans. This ASU expands the gross-up approach applied to PCD financial assets to loans that are purchased and considered seasoned, excluding credit card loans, debt securities, and trade receivables accounted for under the revenue recognition guidance. Under the expanded gross-up approach, the amortized cost basis for a seasoned loan receivable will be the purchase price plus the initial measurement of the allowance for loan losses, on the acquisition date. Any remaining discount embedded in the purchase price will be amortized into interest income over the term of the loan. The purchased seasoned loan designation would be evaluated on a loan-by-loan basis. The resulting accounting will reflect no day-one provision expense on qualifying seasoned loans and a lower yield over time than what is currently presented under the non-PCD model. Loans acquired in a business combination would be considered seasoned. For a loan acquired through an asset transfer or by consolidating a VIE, the acquisition must be at least 90 days after loan origination and the acquirer must not have been involved in originating the loan for the loan to be considered seasoned. The amendments are effective January 1, 2027, with early adoption permitted and must be adopted on a prospective basis. We are currently evaluating the impact of these amendments.

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Notes to Condensed Consolidated Financial Statements (unaudited)

Ally Financial Inc. • Form 10-Q

2. 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 table presents 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 2025 Annual Report on Form 10-K.


Three months ended March 31, ($ in millions)	Automotive Finance operations		Insurance operations		Corporate Finance operations		Corporate and Other		Consolidated
2026
Revenue from contracts with customers
Noninsurance contracts (a) (b) (c)	$	—	$	242	$	—	$	—	$	242
Remarketing fee income	32		—		—		—		32
Brokerage commissions and other revenue	—		—		—		19		19
Banking fees and interchange income	—		—		—		5		5
Brokered/agent commissions	—		2		—		—		2
Other	6		—		—		1		7
Total revenue from contracts with customers	38		244		—		25		307
All other revenue	67		98		35		6		206
Total other revenue (d)	$	105	$	342	$	35	$	31	$	513
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 (e)	—		—		—		19		19
Brokered/agent commissions	—		5		—		—		5
Other	5		1		—		1		7
Total revenue from contracts with customers	36		247		—		40		323
All other revenue	61		117		29		(467)		(260)
Total other revenue (d)	$	97	$	364	$	29	$	(427)	$	63

(a)We had opening balances of $3.0 billion in unearned revenue associated with outstanding contracts at both January 1, 2026, and 2025, and $239 million and $238 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 March 31, 2026, and 2025, respectively.

(b)At March 31, 2026, we had unearned revenue of $3.0 billion associated with outstanding contracts, and with respect to this balance we expect to recognize revenue of $653 million during the remainder of 2026, $751 million in 2027, $599 million in 2028, $440 million in 2029, and $544 million thereafter. At March 31, 2025, we had unearned revenue of $3.0 billion associated with outstanding contracts.

(c)We had deferred insurance assets of $1.8 billion at both March 31, 2026, and December 31, 2025, and recognized $138 million of expense during the three months ended March 31, 2026. We had deferred insurance assets of $1.8 billion at both March 31, 2025, and December 31, 2024, and recognized $141 million of expense during the three months ended March 31, 2025.

(d)Represents a component of total net revenue. Refer to Note 22 for further information on our reportable operating segments.

(e)Interchange income is reported net of customer rewards related to Ally Credit Card. Customer rewards expense was $6 million for the three months ended March 31, 2025. We closed the sale of Ally Credit Card on April 1, 2025. Refer to Note 2 to the Consolidated Financial Statements in our 2025 Annual Report on Form 10-K for additional information.

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 $10 million and $19 million for the three months ended March 31, 2026, and 2025, respectively. These losses are included in depreciation expense on operating lease assets in our Condensed Consolidated Statement of Comprehensive Income. Refer to Note 8 for additional information.

Table of Contents

Notes to Condensed Consolidated Financial Statements (unaudited)

Ally Financial Inc. • Form 10-Q

3. Other Income, Net of Losses

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


	Three months ended March 31,
($ in millions)		2026		2025
Late charges and other administrative fees		$	36	$	51
Remarketing fees		32		31
Income from equity-method investments (a)		17		26
Other, net		92		89
Total other income, net of losses (b)		$	177	$	197

(a)Refer to Note 10 for further information on our equity-method investments.

(b)Includes the activity of Ally Credit Card prior to the sale on April 1, 2025.

4. 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)	2026		2025
Total gross reserves for insurance losses and loss adjustment expenses at January 1,	$	233	$	189
Less: Reinsurance recoverable	69		60
Net reserves for insurance losses and loss adjustment expenses at January 1,	164		129
Net insurance losses and loss adjustment expenses incurred related to:
Current year	122		161
Prior years (a)	(1)		—
Total net insurance losses and loss adjustment expenses incurred	121		161
Net insurance losses and loss adjustment expenses paid or payable related to:
Current year	(50)		(44)
Prior years	(55)		(54)
Total net insurance losses and loss adjustment expenses paid or payable	(105)		(98)
Net reserves for insurance losses and loss adjustment expenses at March 31,	180		192
Plus: Reinsurance recoverable (b)	71		76
Total gross reserves for insurance losses and loss adjustment expenses at March 31, (c)	$	251	$	268

(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.

Table of Contents

Notes to Condensed Consolidated Financial Statements (unaudited)

Ally Financial Inc. • Form 10-Q

5. Other Operating Expenses

Details of other operating expenses were as follows.


	Three months ended March 31,
($ in millions)	2026		2025
Insurance commissions	$	152	$	161
Technology and communications	101		103
Advertising and marketing	60		61
Property and equipment depreciation	59		63
Lease and loan administration	45		46
Regulatory and licensing fees	36		44
Professional services	35		31
Vehicle remarketing and repossession	34		33
Amortization of intangible assets	—		3
Other	101		118
Total other operating expenses (a)	$	623	$	663

(a)Includes the activity of Ally Credit Card prior to the sale on April 1, 2025. Refer to Note 2 to the Consolidated Financial Statements in our 2025 Annual Report on Form 10-K for additional information.

Table of Contents

Notes to Condensed Consolidated Financial Statements (unaudited)

Ally Financial Inc. • Form 10-Q

6. 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 amortized cost basis, fair value, and gross unrealized gains and losses on available-for-sale and held-to-maturity securities were as follows.


	March 31, 2026								December 31, 2025
	Amortized cost basis		Gross unrealized				Fair value		Amortized cost basis		Gross unrealized				Fair value
($ in millions)			gains		losses						gains		losses
Available-for-sale securities
Debt securities
U.S. Treasury and federal agencies	$	2,444	$	8	$	(55)	$	2,397	$	2,308	$	22	$	(51)	$	2,279
U.S. States and political subdivisions	593		—		(76)		517		624		1		(74)		551
Foreign government	202		1		(4)		199		191		1		(4)		188
Agency mortgage-backed residential (a)	14,787		16		(2,108)		12,695		14,966		19		(2,084)		12,901
Mortgage-backed residential	226		—		(33)		193		230		—		(32)		198
Agency mortgage-backed commercial (a)	5,729		8		(630)		5,107		5,540		14		(622)		4,932

Asset-backed	2		—		—		2		12		—		—		12
Corporate debt	1,991		8		(71)		1,928		1,954		19		(61)		1,912
Total available-for-sale securities (b) (c) (d) (e) (f)	$	25,974	$	41	$	(2,977)	$	23,038	$	25,825	$	76	$	(2,928)	$	22,973
Held-to-maturity securities
Debt securities
Agency mortgage-backed residential	$	1,337	$	3	$	(157)	$	1,183	$	1,303	$	8	$	(157)	$	1,154
Mortgage-backed residential	2,957		203		—		3,160		3,018		228		—		3,246
Asset-backed retained notes	43		1		—		44		50		1		—		51
Total held-to-maturity securities (d) (f) (g)	$	4,337	$	207	$	(157)	$	4,387	$	4,371	$	237	$	(157)	$	4,451

(a)Fair value includes basis adjustments for securities in closed portfolios with active hedges under the portfolio layer method. This includes a $31 million liability and a $13 million asset for agency mortgage-backed residential securities at March 31, 2026, and December 31, 2025, respectively, and a $10 million asset and a $33 million asset for agency mortgage-backed commercial securities at March 31, 2026, and December 31, 2025, respectively. These basis adjustments would be allocated to the amortized cost basis of specific securities within the pool if the hedge was dedesignated. Refer to Note 18 for additional information.

(b)Certain available-for-sale securities are included in fair value hedging relationships. Refer to Note 18 for additional information.

(c)Certain entities related to our Insurance operations are required to deposit securities with state regulatory authorities. These deposited securities totaled $14 million at both March 31, 2026, and December 31, 2025.

(d)Investment securities with a fair value of $3.5 billion and $3.7 billion were pledged as collateral at March 31, 2026, and December 31, 2025, respectively. This primarily included $2.7 billion pledged to secure advances from the FHLB at both March 31, 2026, and December 31, 2025. 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 $866 million and $932 million of the underlying available-for-sale securities at March 31, 2026, and December 31, 2025, respectively.

(e)Totals do not include accrued interest receivable, which was $86 million and $87 million at March 31, 2026, and December 31, 2025, 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 March 31, 2026, and December 31, 2025, 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 $12 million and $13 million at March 31, 2026, and December 31, 2025, respectively. Accrued interest receivable is included in other assets on our Condensed Consolidated Balance Sheet.

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
March 31, 2026
Fair value of available-for-sale securities (a)
U.S. Treasury and federal agencies	$	2,397	3.5	%	$	68	1.5	%	$	2,050	3.7	%	$	279	2.3	%	$	—	—	%
U.S. States and political subdivisions	517		3.4		39		5.1		54		3.7		53		4.5		371		3.1
Foreign government	199		2.8		14		1.9		92		2.3		93		3.4		—		—
Agency mortgage-backed residential (b)	12,695		2.9		—		—		1		2.8		—		—		12,694		2.9
Mortgage-backed residential	193		2.7		—		—		—		—		—		—		193		2.7
Agency mortgage-backed commercial (b)	5,107		2.7		144		3.1		1,647		3.3		2,491		2.4		825		2.3

Asset-backed	2		1.5		1		1.5		1		1.3		—		—		—		—
Corporate debt	1,928		3.6		214		2.6		892		2.5		700		4.9		122		5.4
Total available-for-sale securities	$	23,038	3.0		$	480	2.8		$	4,737	3.3		$	3,616	3.0		$	14,205	2.9
Amortized cost basis of available-for-sale securities	$	25,974			$	483			$	4,871			$	4,046			$	16,574
Amortized cost basis of held-to-maturity securities (c)
Agency mortgage-backed residential	$	1,337	3.5	%	$	—	—	%	$	—	—	%	$	—	—	%	$	1,337	3.5	%
Mortgage-backed residential	2,957		2.8		—		—		4		2.9		1		5.3		2,952		2.8
Asset-backed retained notes	43		5.4		—		—		30		5.3		13		5.7		—		—
Total held-to-maturity securities	$	4,337	3.0		$	—	—		$	34	5.0		$	14	5.7		$	4,289	3.0
December 31, 2025
Fair value of available-for-sale securities (a)
U.S. Treasury and federal agencies	$	2,279	3.4	%	$	84	0.8	%	$	1,771	3.9	%	$	424	2.0	%	$	—	—	%
U.S. States and political subdivisions	551		3.4		48		4.8		50		3.7		65		4.3		388		3.1
Foreign government	188		2.8		14		2.0		75		2.3		99		3.3		—		—
Agency mortgage-backed residential (b)	12,901		2.9		—		—		1		2.8		—		—		12,900		2.9
Mortgage-backed residential	198		2.7		—		—		—		—		—		—		198		2.7
Agency mortgage-backed commercial (b)	4,932		2.7		87		3.4		1,453		3.5		2,314		2.4		1,078		2.3
Asset-backed	12		1.5		—		—		12		1.5		—		—		—		—
Corporate debt	1,912		3.4		232		2.4		866		2.5		679		4.6		135		5.5
Total available-for-sale securities	$	22,973	3.0		$	465	2.5		$	4,228	3.4		$	3,581	2.9		$	14,699	2.9
Amortized cost basis of available-for-sale securities	$	25,825			$	468			$	4,298			$	3,968			$	17,091
Amortized cost basis of held-to-maturity securities (c)
Agency mortgage-backed residential	$	1,303	3.5	%	$	—	—	%	$	—	—	%	$	—	—	%	$	1,303	3.5	%
Mortgage-backed residential	3,018		2.8		—		—		5		2.9		1		5.5		3,012		2.8
Asset-backed retained notes	50		5.4		—		—		35		5.3		15		5.7		—		—
Total held-to-maturity securities	$	4,371	3.0		$	—	—		$	40	5.0		$	16	5.7		$	4,315	3.0

(a)Yield is calculated using the effective yield of each security at the end of the period, weighted based on the fair value by security for the securities within each maturity distribution range. The effective yield considers the contractual coupon and amortized cost basis 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 $31 million liability and a $13 million asset for agency mortgage-backed residential securities at March 31, 2026, and December 31, 2025, respectively, and a $10 million asset and a $33 million asset for agency mortgage-backed commercial securities at March 31, 2026, and December 31, 2025, respectively. These basis adjustments would be allocated to the amortized cost basis of specific securities within the pool if the hedge was dedesignated. Refer to Note 18 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 basis by security for the securities within each maturity distribution range. The effective yield considers the contractual coupon and amortized cost basis 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 $444 million and $107 million at March 31, 2026, and December 31, 2025, 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 March 31,
($ in millions)	2026		2025
Taxable interest	$	214	$	210
Taxable dividends	4		5
Interest and dividends exempt from U.S. federal income tax	5		6
Interest and dividends on investment securities	$	223	$	221

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 March 31,
($ in millions)	2026		2025
Available-for-sale securities
Gross realized gains	$	3	$	—
Gross realized losses (a)	—		(495)
Net realized gain (loss) on available-for-sale securities	3		(495)
Net realized gain on equity securities	35		8
Net unrealized loss on equity securities	(59)		(12)
Other loss on investments, net	$	(21)	$	(499)

(a)Includes losses reclassified from accumulated other comprehensive loss related to the balance sheet repositioning of our available-for-sale securities portfolio during the three months ended March 31, 2025.

The following table presents the credit quality of our held-to-maturity securities, based on the latest available information as of March 31, 2026, and December 31, 2025. 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 March 31, 2026, and December 31, 2025. We have not recorded any interest income reversals on our held-to-maturity securities during the three months ended March 31, 2026, or March 31, 2025.



($ in millions)	AAA		AA		A		BBB		Total (a)
March 31, 2026
Debt securities
Agency mortgage-backed residential	$	—	$	1,337	$	—	$	—	$	1,337
Mortgage-backed residential	2,893		63		1		—		2,957
Asset-backed retained notes	38		3		1		1		43
Total held-to-maturity securities	$	2,931	$	1,403	$	2	$	1	$	4,337
December 31, 2025
Debt securities
Agency mortgage-backed residential	$	—	$	1,303	$	—	$	—	$	1,303
Mortgage-backed residential	2,951		66		1		—		3,018
Asset-backed retained notes	45		2		2		1		50
Total held-to-maturity securities	$	2,996	$	1,371	$	3	$	1	$	4,371

(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. As of March 31, 2026, and December 31, 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. We have not recorded any interest income reversals on our available-for-sale securities during the three months ended March 31, 2026, or March 31, 2025.


	March 31, 2026								December 31, 2025
	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	$	267	$	(1)	$	572	$	(54)	$	—	$	—	$	609	$	(51)
U.S. States and political subdivisions	47		(1)		398		(75)		24		—		429		(74)
Foreign government	91		(1)		67		(3)		51		(1)		72		(3)
Agency mortgage-backed residential (a)	552		(7)		9,938		(2,101)		120		—		10,310		(2,084)
Mortgage-backed residential	—		—		193		(33)		—		—		198		(32)
Agency mortgage-backed commercial (a)	678		(6)		3,548		(624)		299		(1)		3,629		(621)
Asset-backed	—		—		2		—		—		—		12		—
Corporate debt	423		(7)		1,030		(64)		86		(1)		1,123		(60)
Total available-for-sale securities	$	2,058	$	(23)	$	15,748	$	(2,954)	$	580	$	(3)	$	16,382	$	(2,925)

(a)Includes basis adjustments for certain securities that are included in closed portfolios with active hedges under the portfolio layer method at March 31, 2026, and December 31, 2025. The basis adjustments would be allocated to the amortized cost basis of specific securities within the pool if the hedge was dedesignated. Refer to Note 18 for additional information.

During the three months ended March 31, 2026, and March 31, 2025, 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 March 31, 2026, or December 31, 2025.

Table of Contents

Notes to Condensed Consolidated Financial Statements (unaudited)

Ally Financial Inc. • Form 10-Q

7. Finance Receivables and Loans, Net

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


($ in millions)	March 31, 2026		December 31, 2025

Consumer automotive (a)	$	86,662	$	85,568
Consumer mortgage (b)	15,311		15,572
Total consumer	101,973		101,140
Commercial
Commercial and industrial
Automotive	18,972		18,339
Other	11,093		10,309
Commercial real estate	7,852		7,666
Total commercial	37,917		36,314
Total finance receivables and loans (c) (d)	$	139,890	$	137,454

(a)Certain finance receivables and loans are included in fair value hedging relationships. Refer to Note 18 for additional information.

(b)Includes loans originated as interest-only mortgage loans of $2 million at both March 31, 2026, and December 31, 2025, of which all have exited the interest-only period.

(c)Totals include net unearned income, unamortized premiums and discounts, and deferred fees and costs of $2.5 billion and $2.4 billion at March 31, 2026, and December 31, 2025, respectively.

(d)Totals do not include accrued interest receivable, which was $790 million and $800 million at March 31, 2026, and December 31, 2025, 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 ended March 31, 2026, and 2025, respectively.


Three months ended March 31, 2026 ($ in millions)	Consumer automotive		Consumer mortgage		Commercial		Total
Allowance at January 1, 2026	$	3,208	$	12	$	270	$	3,490
Charge-offs (a)	(671)		—		(1)		(672)
Recoveries	247		8		—		255
Net charge-offs	(424)		8		(1)		(417)

Provision for credit losses	467		(9)		9		467
Other	(1)		—		1		—
Allowance at March 31, 2026	$	3,250	$	11	$	279	$	3,540

(a)Refer to Note 1 to the Consolidated Financial Statements in our 2025 Annual Report on Form 10-K for information regarding our charge-off policies.


Three months ended March 31, 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)	(676)		—		(68)		(1)		(745)
Recoveries	231		1		5		1		238
Net charge-offs	(445)		1		(63)		—		(507)

Provision for credit losses	418		—		(257)		30		191
Other	1		(2)		1		—		—
Allowance at March 31, 2025	$	3,144	$	18	$	—	$	236	$	3,398

(a)Consists of Credit Card. We closed the sale of Ally Credit Card on April 1, 2025. Refer to Note 2 to the Consolidated Financial Statements in our 2025 Annual Report on Form 10-K for additional information.

(b)Refer to Note 1 to the Consolidated Financial Statements in our 2025 Annual Report on Form 10-K for information regarding our charge-off policies.

Table of Contents

Notes to Condensed Consolidated Financial Statements (unaudited)

Ally Financial Inc. • Form 10-Q

The following table presents sales of finance receivables and loans and transfers of finance receivables and loans from held-for-investment to held-for-sale based on net carrying value.


	Three months ended March 31,
($ in millions)	2026		2025


Consumer other (a)	$	—	$	2,248
Commercial	7		73
Total sales and transfers	$	7	$	2,321

(a)Consists of credit card finance receivables and loans. We closed the sale of Ally Credit Card on April 1, 2025. Refer to Note 2 to the Consolidated Financial Statements in our 2025 Annual Report on Form 10-K for additional information.

The following table presents purchases of finance receivables and loans based on unpaid principal balance at the time of purchase.


	Three months ended March 31,
($ in millions)		2026		2025
Consumer automotive		$	1,622	$	749
Consumer mortgage		—		8
Commercial		2		—
Total purchases of finance receivables and loans		$	1,624	$	757

Nonaccrual Loans

The following tables present the amortized cost basis of our finance receivables and loans on nonaccrual status. All consumer or commercial finance receivables and loans that were 90 days or more past due were on nonaccrual status as of March 31, 2026, and December 31, 2025. Refer to Note 1 to the Consolidated Financial Statements in our 2025 Annual Report on Form 10-K for additional information on our accounting policy for finance receivables and loans on nonaccrual status.


			March 31, 2026
($ in millions)	Nonaccrual status at Jan. 1, 2026		Nonaccrual status		Nonaccrual with no allowance (a)
Consumer automotive	$	1,155	$	1,128	$	410
Consumer mortgage	62		62		40

Total consumer	1,217		1,190		450
Commercial
Commercial and industrial
Automotive	15		3		3
Other	124		112		3
Commercial real estate	10		1		1
Total commercial	149		116		7
Total finance receivables and loans (b)	$	1,366	$	1,306	$	457

(a)Represents a component of nonaccrual status at end of period.

(b)We recorded interest income from cash payments associated with finance receivables and loans on nonaccrual status of $13 million for the three months ended March 31, 2026.

Table of Contents

Notes to Condensed Consolidated Financial Statements (unaudited)

Ally Financial Inc. • Form 10-Q


			December 31, 2025
($ in millions)	Nonaccrual status at Jan. 1, 2025		Nonaccrual status		Nonaccrual with no allowance (a)
Consumer automotive	$	1,231	$	1,155	$	416
Consumer mortgage	54		62		44
Consumer other (b)	90		—		—
Total consumer	1,375		1,217		460
Commercial
Commercial and industrial
Automotive	15		15		15
Other (c)	94		124		—
Commercial real estate	2		10		10
Total commercial	111		149		25
Total finance receivables and loans (d)	$	1,486	$	1,366	$	485

(a)Represents a component of nonaccrual status at end of period.

(b)Consists of credit card finance receivables and loans. We closed the sale of Ally Credit Card on April 1, 2025.

(c)Includes PCD loans acquired during the year ended December 31, 2025.

(d)We recorded interest income from cash payments associated with finance receivables and loans on nonaccrual status of $4 million for the three months ended March 31, 2025.

Credit Quality Indicators

We evaluate the credit quality of our consumer loan portfolio based on the aging status of the loan and by payment activity. Loan delinquency reporting is generally based upon borrower payment activity, relative to the contractual terms of the loan.

The following tables present the amortized cost basis of our consumer finance receivables and loans by credit quality indicator based on delinquency status and origination year.


	Origination year														Revolving loans converted to term
March 31, 2026 ($ in millions)	2026		2025		2024		2023		2022		2021 and prior		Revolving loans				Total
Consumer automotive
Current	$	10,303	$	30,792	$	17,844	$	11,317	$	7,695	$	4,750	$	—	$	—	$	82,701
30–59 days past due	24		563		567		529		477		356		—		—		2,516
60–89 days past due	1		200		236		236		226		153		—		—		1,052
90 or more days past due	—		83		90		89		86		69		—		—		417
Total consumer automotive (a)	10,328		31,638		18,737		12,171		8,484		5,328		—		—		86,686
Consumer mortgage
Current	—		—		12		26		1,670		13,506		—		7		15,221
30–59 days past due	—		—		—		—		3		35		—		—		38
60–89 days past due	—		—		—		1		1		8		—		—		10
90 or more days past due	—		—		—		1		5		34		—		2		42
Total consumer mortgage	—		—		12		28		1,679		13,583		—		9		15,311
Total consumer	$	10,328	$	31,638	$	18,749	$	12,199	$	10,163	$	18,911	$	—	$	9	$	101,997

(a)Certain consumer automotive loans are included in fair value hedging relationships. The amortized cost basis excludes a liability of $24 million related to basis adjustments for loans in closed portfolios with active hedges under the portfolio layer method at March 31, 2026. These basis adjustments would be allocated to the amortized cost basis of specific loans within the pool if the hedge was dedesignated. Refer to Note 18 for additional information.

Table of Contents

Notes to Condensed Consolidated Financial Statements (unaudited)

Ally Financial Inc. • Form 10-Q


	Origination year														Revolving loans converted to term
December 31, 2025 ($ in millions)	2025		2024		2023		2022		2021		2020 and prior		Revolving loans				Total
Consumer automotive
Current	$	33,588	$	19,891	$	12,759	$	8,885	$	4,253	$	1,696	$	—	$	—	$	81,072
30–59 days past due	483		638		632		600		339		137		—		—		2,829
60–89 days past due	156		272		295		284		148		60		—		—		1,215
90 or more days past due	55		99		103		101		59		29		—		—		446
Total consumer automotive (a)	34,282		20,900		13,789		9,870		4,799		1,922		—		—		85,562
Consumer mortgage
Current	—		15		28		1,690		9,117		4,618		—		7		15,475
30–59 days past due	—		—		2		5		11		17		—		—		35
60–89 days past due	—		—		—		1		6		7		—		—		14
90 or more days past due	—		—		—		5		16		25		—		2		48
Total consumer mortgage	—		15		30		1,701		9,150		4,667		—		9		15,572







Total consumer	$	34,282	$	20,915	$	13,819	$	11,571	$	13,949	$	6,589	$	—	$	9	$	101,134

(a)Certain consumer automotive loans are included in fair value hedging relationships. The amortized cost basis excludes an asset of $6 million related to basis adjustments for loans in closed portfolios with active hedges under the portfolio layer method at December 31, 2025. These basis adjustments would be allocated to the amortized cost basis of specific loans within the pool if the hedge was dedesignated. Refer to Note 18 for additional information.

We evaluate the credit quality of our commercial loan portfolio using regulatory risk ratings, which are based on relevant information about the borrower’s financial condition, including current financial information, historical payment experience, credit documentation, and current economic trends, among other factors. We use the following definitions for risk ratings below Pass.

•Special mention — Loans that have a potential weakness that deserves management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or the institution’s credit position at some future date.

•Substandard — Loans that are inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. These loans have a well-defined weakness or weakness that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the institution will sustain some loss if the deficiencies are not corrected.

•Doubtful — Loans that have all the weaknesses inherent in those classified as substandard, with the additional characteristic that the weaknesses make collection or liquidation in full, based on the basis of currently existing facts, conditions, and values, highly questionable and improbable.

•Loss — Loans that are considered uncollectible and of such little value that their continuance as bankable assets is not warranted. This classification does not mean that the asset has absolutely no recovery or salvage value, but rather that it is not practical or desirable to defer writing off this basically worthless asset even though partial recovery may be effected in the future.

Table of Contents

Notes to Condensed Consolidated Financial Statements (unaudited)

Ally Financial Inc. • Form 10-Q

The regulatory risk classification utilized is influenced by internal credit risk ratings, which are based on a variety of factors. A borrower’s internal credit risk rating is updated at least annually, and more frequently when a borrower’s credit profile changes, including when we become aware of potential credit deterioration. The following tables present the amortized cost basis of our commercial finance receivables and loans by credit quality indicator based on risk rating and origination year.


	Origination year														Revolving loans converted to term
March 31, 2026 ($ in millions)	2026		2025		2024		2023		2022		2021 and prior		Revolving loans				Total
Commercial
Commercial and industrial
Automotive
Pass	$	630	$	923	$	340	$	243	$	254	$	167	$	14,816	$	—	$	17,373
Special mention	—		5		—		15		9		5		1,509		—		1,543
Substandard	—		—		1		—		1		—		54		—		56


Total automotive	630		928		341		258		264		172		16,379		—		18,972
Other
Pass	256		684		596		193		235		368		7,124		228		9,684
Special mention	—		69		71		—		262		368		390		6		1,166
Substandard	—		—		—		—		—		80		51		—		131
Doubtful	—		—		—		—		—		93		19		—		112

Total other	256		753		667		193		497		909		7,584		234		11,093
Commercial real estate
Pass	389		2,079		998		754		1,032		2,166		66		69		7,553
Special mention	7		22		45		35		65		105		—		—		279
Substandard	—		—		—		2		15		1		—		—		18
Doubtful	—		—		—		2		—		—		—		—		2

Total commercial real estate	396		2,101		1,043		793		1,112		2,272		66		69		7,852
Total commercial	$	1,282	$	3,782	$	2,051	$	1,244	$	1,873	$	3,353	$	24,029	$	303	$	37,917

Table of Contents

Notes to Condensed Consolidated Financial Statements (unaudited)

Ally Financial Inc. • Form 10-Q


	Origination year														Revolving loans converted to term
December 31, 2025 ($ in millions)	2025		2024		2023		2022		2021		2020 and prior		Revolving loans				Total
Commercial
Commercial and industrial
Automotive
Pass	$	942	$	391	$	257	$	266	$	113	$	86	$	14,861	$	—	$	16,916
Special mention	2		1		15		10		—

Ally Financial Inc. 10-Q