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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 September 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 October 28, 2025, the number of shares outstanding of the Registrant’s common stock was 308,053,195 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 Nine Months Ended September 30, 2025, and 2024	5
	Condensed Consolidated Balance Sheet (unaudited) at September 30, 2025, and December 31, 2024	7
	Condensed Consolidated Statement of Changes in Equity (unaudited) for the Three Months and Nine Months Ended September 30, 2025, and 2024	9
	Condensed Consolidated Statement of Cash Flows (unaudited) for the Nine Months Ended September 30, 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	17
	Note 5. Reserves for Insurance Losses and Loss Adjustment Expenses	17
	Note 6. Other Operating Expenses	18
	Note 7. Investment Securities	19
	Note 8. Finance Receivables and Loans, Net	23
	Note 9. Leasing	35
	Note 10. Securitizations and Variable Interest Entities	37
	Note 11. Other Assets	41
	Note 12. Deposit Liabilities	43
	Note 13. Debt	43
	Note 14. Accrued Expenses and Other Liabilities	45
	Note 15. Preferred Stock	45
	Note 16. Accumulated Other Comprehensive Loss	46
	Note 17. Earnings per Common Share	49
	Note 18. Regulatory Capital and Other Regulatory Matters	49
	Note 19. Derivative Instruments and Hedging Activities	53
	Note 20. Income Taxes	59
	Note 21. Fair Value	59
	Note 22. Offsetting Assets and Liabilities	66
	Note 23. Segment Information	67
	Note 24. Contingencies and Other Risks	71
	Note 25. Subsequent Events	71
Item 2.	Management’s Discussion and Analysis of Financial Condition and Results of Operations	72
Item 3.	Quantitative and Qualitative Disclosures About Market Risk	124
Item 4.	Controls and Procedures	125
Part II — Other Information		126
Item 1.	Legal Proceedings	126
Item 1A.	Risk Factors	126
Item 2.	Unregistered Sales of Equity Securities and Use of Proceeds	126
Item 3.	Defaults Upon Senior Securities	126
Item 4.	Mine Safety Disclosures	126
Item 5.	Other Information	126
Item 6.	Exhibits	128
Signatures		129

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




CIC						Change in control
CIDI						Covered insured depository institution

COBRA						Consolidated Omnibus Budget Reconciliation Act
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

Table of Contents

Index of Defined Terms

Ally Financial Inc. • Form 10-Q


Term						Definition
IB Finance						IB Finance Holding Company, LLC




IRA						Individual retirement account

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



NEO						Named executive officer
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




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

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 September 30,				Nine months ended September 30,
($ in millions)	2025		2024		2025		2024
Financing revenue and other interest income
Interest and fees on finance receivables and loans	$	2,674	$	2,889	$	8,007	$	8,561
Interest on loans held-for-sale	6		5		17		48
Interest and dividends on investment securities and other earning assets	250		262		728		793
Interest on cash and cash equivalents	92		102		285		287
Operating leases	365		316		1,068		1,005
Total financing revenue and other interest income	3,387		3,574		10,105		10,694
Interest expense
Interest on deposits	1,302		1,616		4,034		4,861
Interest on short-term borrowings	11		13		17		63
Interest on long-term debt	265		256		794		748
Interest on other	—		—		1		1
Total interest expense	1,578		1,885		4,846		5,673
Net depreciation expense on operating lease assets	225		169		681		516
Net financing revenue and other interest income	1,584		1,520		4,578		4,505
Other revenue
Insurance premiums and service revenue earned	361		359		1,084		1,045
(Loss) gain on mortgage and automotive loans, net	(3)		6		(6)		18
Other gain (loss) on investments, net	56		74		(382)		96
Other income, net of losses	170		176		517		491
Total other revenue	584		615		1,213		1,650
Total net revenue	2,168		2,135		5,791		6,155
Provision for credit losses	415		645		990		1,609
Noninterest expense
Compensation and benefits expense	447		435		1,382		1,396
Insurance losses and loss adjustment expenses	141		135		505		428
Goodwill impairment	—		—		305		—
Other operating expenses	652		655		1,944		1,995
Total noninterest expense	1,240		1,225		4,136		3,819
Income from continuing operations before income tax expense	513		265		665		727
Income tax expense from continuing operations	115		67		140		167
Net income from continuing operations	398		198		525		560

Net income	$	398	$	198	$	525	$	560
Other comprehensive income, net of tax	275		616		980		423
Comprehensive income	$	673	$	814	$	1,505	$	983

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 Comprehensive Income (unaudited)

Ally Financial Inc. • Form 10-Q


	Three months ended September 30,				Nine months ended September 30,
($ in millions, except per share data; shares in thousands) (a)	2025		2024		2025		2024
Net income from continuing operations attributable to common shareholders	$	371	$	171	$	442	$	477

Net income attributable to common shareholders	$	371	$	171	$	442	$	477
Basic weighted-average common shares outstanding (b)	310,342		307,312		309,753		306,699
Diluted weighted-average common shares outstanding (b)	313,823		311,044		312,633		309,786
Basic earnings per common share
Net income from continuing operations	$	1.19	$	0.55	$	1.43	$	1.56

Net income	$	1.19	$	0.55	$	1.43	$	1.56
Diluted earnings per common share
Net income from continuing operations	$	1.18	$	0.55	$	1.41	$	1.54

Net income	$	1.18	$	0.55	$	1.41	$	1.54
Cash dividends declared per common share	$	0.30	$	0.30	$	0.90	$	0.90

(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)	September 30, 2025		December 31, 2024
Assets
Cash and cash equivalents
Noninterest-bearing	$	429	$	522
Interest-bearing	9,817		9,770
Total cash and cash equivalents	10,246		10,292
Equity securities	865		871
Available-for-sale securities (amortized cost of $25,660 and $26,810)	22,684		22,410
Held-to-maturity securities (fair value of $4,493 and $4,293)	4,433		4,346
Loans held-for-sale, net	179		160
Finance receivables and loans, net
Finance receivables and loans, net of unearned income	134,567		136,030
Allowance for loan losses	(3,460)		(3,714)
Total finance receivables and loans, net	131,107		132,316
Investment in operating leases, net	8,599		7,991
Premiums receivable and other insurance assets	2,903		2,790
Other assets	10,695		10,660

Total assets	$	191,711	$	191,836
Liabilities
Deposit liabilities
Noninterest-bearing	$	174	$	131
Interest-bearing	148,236		151,443
Total deposit liabilities	148,410		151,574
Short-term borrowings	3,879		1,625
Long-term debt	16,749		17,495
Interest payable	1,097		890
Unearned insurance premiums and service revenue	3,648		3,535
Accrued expenses and other liabilities	2,811		2,814

Total liabilities	176,594		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 519,147,397 and 515,777,584; and outstanding 307,827,978 and 305,387,550)	22,255		22,142
Preferred stock	2,324		2,324
Retained earnings	427		270
Accumulated other comprehensive loss	(2,944)		(3,924)
Treasury stock, at cost (211,319,419 and 210,390,034 shares)	(6,945)		(6,909)
Total equity	15,117		13,903
Total liabilities and equity	$	191,711	$	191,836

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)	September 30, 2025		December 31, 2024
Assets
Finance receivables and loans, net
Consumer automotive	$	2,664	$	4,505


Allowance for loan losses	(100)		(172)
Total finance receivables and loans, net	2,564		4,333

Other assets	248		333
Total assets	$	2,812	$	4,666
Liabilities
Long-term debt	$	912	$	1,561
Accrued expenses and other liabilities	2		4
Total liabilities	$	914	$	1,565

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


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













Balance at July 1, 2024	$	22,077	$	2,324	$	208	$	(4,009)	$	(6,901)	$	13,699
Net income					198						198
Preferred stock dividends — Series B					(16)						(16)
Preferred stock dividends — Series C					(11)						(11)
Share-based compensation	24										24
Other comprehensive income							616				616
Common stock repurchases									(1)		(1)
Common stock dividends ($0.30 per share)					(95)						(95)
Balance at September 30, 2024	$	22,101	$	2,324	$	284	$	(3,393)	$	(6,902)	$	14,414
Balance at July 1, 2025	$	22,235	$	2,324	$	151	$	(3,219)	$	(6,944)	$	14,547
Net income					398						398
Preferred stock dividends — Series B					(16)						(16)
Preferred stock dividends — Series C					(11)						(11)
Share-based compensation	20										20
Other comprehensive income							275				275
Common stock repurchases									(1)		(1)
Common stock dividends ($0.30 per share)					(95)						(95)
Balance at September 30, 2025	$	22,255	$	2,324	$	427	$	(2,944)	$	(6,945)	$	15,117

Table of Contents

Condensed Consolidated Statement of Changes in Equity (unaudited)

Ally Financial Inc. • Form 10-Q


	Nine months ended September 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					560						560
Preferred stock dividends — Series B					(48)						(48)
Preferred stock dividends — Series C					(35)						(35)
Share-based compensation	126										126
Other comprehensive income							423				423
Common stock repurchases									(31)		(31)
Common stock dividends ($0.90 per share)					(282)						(282)
Balance at September 30, 2024	$	22,101	$	2,324	$	284	$	(3,393)	$	(6,902)	$	14,414



Balance at January 1, 2025	$	22,142	$	2,324	$	270	$	(3,924)	$	(6,909)	$	13,903
Net income					525						525
Preferred stock dividends — Series B					(48)						(48)
Preferred stock dividends — Series C					(35)						(35)
Share-based compensation	113										113
Other comprehensive income							980				980
Common stock repurchases									(36)		(36)
Common stock dividends ($0.90 per share)					(285)						(285)
Balance at September 30, 2025	$	22,255	$	2,324	$	427	$	(2,944)	$	(6,945)	$	15,117

(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.

Table of Contents

Condensed Consolidated Statement of Cash Flows (unaudited)

Ally Financial Inc. • Form 10-Q


Nine months ended September 30, ($ in millions)	2025		2024
Operating activities
Net income	$	525	$	560
Reconciliation of net income to net cash provided by operating activities
Depreciation and amortization	1,028		864
Goodwill impairment	305		—
Provision for credit losses	990		1,609
Loss (gain) on mortgage and automotive loans, net	6		(18)
Other loss (gain) on investments, net	382		(96)
Originations and purchases of loans held-for-sale	(1,392)		(1,413)
Proceeds from sales and repayments of loans held-for-sale	1,505		1,862
Net change in
Deferred income taxes	(366)		(218)
Interest payable	207		567
Other assets	(227)		(181)
Other liabilities	10		(130)
Other, net	116		171
Net cash provided by operating activities	3,089		3,577
Investing activities
Purchases of equity securities	(613)		(630)
Proceeds from sales of equity securities	735		680
Purchases of available-for-sale securities	(4,970)		(462)
Proceeds from sales of available-for-sale securities	4,216		134
Proceeds from repayments of available-for-sale securities	1,413		1,450
Purchases of held-to-maturity securities	(412)		—
Proceeds from repayments of held-to-maturity securities	388		360
Purchases of finance receivables and loans held-for-investment	(3,580)		(2,612)
Proceeds from sales of finance receivables and loans initially held-for-investment	59		1,190
Originations and repayments of finance receivables and loans initially held-for-investment and other, net	1,306		1,526
Purchases of operating lease assets	(3,384)		(2,543)
Disposals of operating lease assets	2,108		3,113
Proceeds from sale of operation or business unit, net	2,412		1,956
Net change in nonmarketable equity investments	(71)		84
Other, net	(420)		(461)
Net cash (used in) provided by investing activities	(813)		3,785

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


Nine months ended September 30, ($ in millions)	2025		2024
Financing activities
Net change in short-term borrowings	2,254		(1,526)
Net decrease in deposits	(3,099)		(2,757)
Proceeds from issuance of long-term debt	2,571		2,866
Repayments of long-term debt	(3,379)		(3,683)
Repurchases of common stock	(36)		(31)
Common stock dividends paid	(285)		(280)
Preferred stock dividends paid	(83)		(83)
Net cash used in financing activities	(2,057)		(5,494)
Effect of exchange-rate changes on cash and cash equivalents and restricted cash	5		(3)
Net increase in cash and cash equivalents and restricted cash	224		1,865
Cash and cash equivalents and restricted cash at beginning of year	11,380		7,439
Cash and cash equivalents and restricted cash at September 30,	$	11,604	$	9,304
Supplemental disclosures
Cash paid for
Interest	$	4,572	$	5,043
Income taxes	161		94
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		28

Finance receivables and loans held-for-investment transferred to loans held-for-sale	2,404		1,729

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.


September 30, ($ in millions)	2025		2024
Cash and cash equivalents on the Condensed Consolidated Balance Sheet	$	10,246	$	8,616
Restricted cash and cash equivalents and restricted cash held for securitization trusts included in other assets on the Condensed Consolidated Balance Sheet (a)	1,358		688
Total cash and cash equivalents and restricted cash in the Condensed Consolidated Statement of Cash Flows	$	11,604	$	9,304

(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.

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 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 September 30, 2025, and for the three months and nine months ended September 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.

Table of Contents

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.

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 may be 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. Management is currently evaluating the impact of these amendments.

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 nine months ended September 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 nine months ended September 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.

Table of Contents

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 September 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)	$	—	$	242	$	—	$	—	$	242
Remarketing fee income	28		—		—		—		28
Brokerage commissions and other revenue	—		—		—		21		21
Banking fees and interchange income (d)	—		—		—		9		9
Brokered/agent commissions	—		1		—		—		1
Other	6		—		—		1		7
Total revenue from contracts with customers	34		243		—		31		308
All other revenue	62		177		25		12		276
Total other revenue (e)	$	96	$	420	$	25	$	43	$	584
2024
Revenue from contracts with customers
Noninsurance contracts (a) (b) (c)	$	—	$	246	$	—	$	—	$	246
Remarketing fee income	28		—		—		—		28
Brokerage commissions and other revenue	—		—		—		22		22
Banking fees and interchange income (d)	—		—		—		12		12
Brokered/agent commissions	—		5		—		—		5
Other	5		1		—		—		6
Total revenue from contracts with customers	33		252		—		34		319
All other revenue	52		185		37		22		296
Total other revenue (e)	$	85	$	437	$	37	$	56	$	615

(a)We had opening balances of $3.0 billion in unearned revenue associated with outstanding contracts at both July 1, 2025, and 2024, and $239 million and $243 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 September 30, 2025, and 2024, respectively.

(b)At September 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 $230 million during the remainder of 2025, $816 million in 2026, $677 million in 2027, $522 million in 2028, and $748 million thereafter. At September 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 July 1, 2025, and September 30, 2025, and recognized $141 million of expense during the three months ended September 30, 2025. We had deferred insurance assets of $1.8 billion at both July 1, 2024, and September 30, 2024, and recognized $141 million of expense during the three months ended September 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 September 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


Nine months ended September 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)	$	—	$	724	$	—	$	—	$	724
Remarketing fee income	90		—		—		—		90
Brokerage commissions and other revenue	—		—		—		61		61
Banking fees and interchange income (c)	—		—		—		34		34
Brokered/agent commissions	—		13		—		—		13
Other	16		2		—		3		21
Total revenue from contracts with customers	106		739		—		98		943
All other revenue	184		467		73		(454)		270
Total other revenue (d)	$	290	$	1,206	$	73	$	(356)	$	1,213
2024
Revenue from contracts with customers
Noninsurance contracts (a) (b)	$	—	$	666	$	—	$	—	$	666
Remarketing fee income	88		—		—		—		88
Brokerage commissions and other revenue	—		—		—		67		67
Banking fees and interchange income (c)	—		—		—		35		35
Brokered/agent commissions	—		15		—		—		15
Other	14		2		—		—		16
Total revenue from contracts with customers	102		683		—		102		887
All other revenue	173		476		90		24		763
Total other revenue (d)	$	275	$	1,159	$	90	$	126	$	1,650

(a)We had opening balances of $3.0 billion in unearned revenue associated with outstanding contracts at both January 1, 2025, and 2024, and $715 million and $732 million of these balances were recognized as insurance premiums and service revenue earned in our Condensed Consolidated Statement of Comprehensive Income during the nine months ended September 30, 2025, and 2024, respectively.

(b)We had deferred insurance assets of $1.8 billion at both January 1, 2025, and September 30, 2025, and recognized $417 million of expense during the nine months ended September 30, 2025. We had deferred insurance assets of $1.8 billion at both January 1, 2024, and September 30, 2024, and recognized $432 million of expense during the nine months ended September 30, 2024.

(c)Interchange income is reported net of customer rewards related to Ally Credit Card. Customer rewards expense was $6 million and $20 million for the nine months ended September 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 gains on the sale of off-lease vehicles of $1 million for the three months ended September 30, 2025, and net remarketing losses of $18 million for the nine months ended September 30, 2025, respectively, compared to net remarketing gains of $24 million and $129 million for the three months and nine months ended September 30, 2024. 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.

Table of Contents

Notes to Condensed Consolidated Financial Statements (unaudited)

Ally Financial Inc. • Form 10-Q

4. Other Income, Net of Losses

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


	Three months ended September 30,				Nine months ended September 30,
($ in millions)	2025		2024		2025		2024
Late charges and other administrative fees	$	35	$	49	$	119	$	150
Remarketing fees	28		28		90		88
Income from equity-method investments (a)	23		10		64		14
Other, net	84		89		244		239
Total other income, net of losses (b)	$	170	$	176	$	517	$	491

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

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

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	497		411
Prior years (a)	8		17
Total net insurance losses and loss adjustment expenses incurred	505		428
Net insurance losses and loss adjustment expenses paid or payable related to:
Current year	(386)		(319)
Prior years	(84)		(64)
Total net insurance losses and loss adjustment expenses paid or payable	(470)		(383)
Net reserves for insurance losses and loss adjustment expenses at September 30,	164		119
Plus: Reinsurance recoverable (b)	67		78
Total gross reserves for insurance losses and loss adjustment expenses at September 30, (c)	$	231	$	197

(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

6. Other Operating Expenses

Details of other operating expenses were as follows.


	Three months ended September 30,				Nine months ended September 30,
($ in millions)	2025		2024		2025		2024
Insurance commissions	$	158	$	164	$	474	$	486
Technology and communications	108		110		312		319
Advertising and marketing	65		69		191		221
Property and equipment depreciation	60		55		184		169
Lease and loan administration	43		45		133		136
Regulatory and licensing fees	39		45		122		137
Professional services	38		36		105		106
Vehicle remarketing and repossession	35		31		98		96
Amortization of intangible assets	—		4		3		15
Other	106		96		322		310
Total other operating expenses (a)	$	652	$	655	$	1,944	$	1,995

(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.


	September 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	$	2,230	$	19	$	(55)	$	2,194	$	2,073	$	—	$	(200)	$	1,873
U.S. States and political subdivisions	634		—		(80)		554		704		—		(87)		617
Foreign government	205		2		(3)		204		198		1		(5)		194
Agency mortgage-backed residential (a)	14,965		12		(2,155)		12,822		16,765		—		(3,112)		13,653
Mortgage-backed residential	235		—		(35)		200		249		—		(43)		206
Agency mortgage-backed commercial (a)	5,415		14		(647)		4,782		4,819		1		(836)		3,984

Asset-backed	25		—		—		25		131		—		(2)		129
Corporate debt	1,951		20		(68)		1,903		1,871		3		(120)		1,754
Total available-for-sale securities (b) (c) (d) (e) (f)	$	25,660	$	67	$	(3,043)	$	22,684	$	26,810	$	5	$	(4,405)	$	22,410
Held-to-maturity securities
Debt securities
Agency mortgage-backed residential	$	1,284	$	5	$	(163)	$	1,126	$	935	$	—	$	(196)	$	739
Mortgage-backed residential	3,091		217		—		3,308		3,323		142		—		3,465
Asset-backed retained notes	58		1		—		59		88		1		—		89
Total held-to-maturity securities (d) (f) (g)	$	4,433	$	223	$	(163)	$	4,493	$	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 $53 million asset and a $72 million liability for agency mortgage-backed residential securities at September 30, 2025, and December 31, 2024, respectively, and a $40 million asset and a $34 million liability for agency mortgage-backed commercial securities at September 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 September 30, 2025, and December 31, 2024.

(d)Investment securities with a fair value of $3.7 billion and $3.4 billion were pledged as collateral at September 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 September 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 $945 million and $439 million of the underlying available-for-sale securities at September 30, 2025, and December 31, 2024, respectively.

(e)Totals do not include accrued interest receivable, which was $81 million and $73 million at September 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 September 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 September 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. In connection with the repositioning, 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 nine months ended September 30, 2025. We reinvested the proceeds in shorter duration, highly liquid securities at current market rates. As of September 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
September 30, 2025
Fair value of available-for-sale securities (a)
U.S. Treasury and federal agencies	$	2,194	3.4	%	$	84	0.9	%	$	1,640	4.0	%	$	470	1.9	%	$	—	—	%
U.S. States and political subdivisions	554		3.4		45		4.9		60		3.8		61		4.2		388		3.1
Foreign government	204		2.8		20		2.0		80		2.3		104		3.3		—		—
Agency mortgage-backed residential (b)	12,822		3.0		—		—		1		2.8		—		—		12,821		3.0
Mortgage-backed residential	200		2.7		—		—		—		—		—		—		200		2.7
Agency mortgage-backed commercial (b)	4,782		2.7		—		—		1,225		3.5		2,004		2.6		1,553		2.2

Asset-backed	25		1.5		—		—		25		1.5		—		—		—		—
Corporate debt	1,903		3.4		193		2.6		907		2.5		646		4.5		157		5.5
Total available-for-sale securities	$	22,684	3.0		$	342	1.9		$	3,938	3.4		$	3,285	2.9		$	15,119	2.9
Amortized cost of available-for-sale securities	$	25,660			$	345			$	3,999			$	3,596			$	17,720
Amortized cost of held-to-maturity securities (c)
Agency mortgage-backed residential	$	1,284	3.5	%	$	—	—	%	$	—	—	%	$	—	—	%	$	1,284	3.5	%
Mortgage-backed residential	3,091		2.8		—		—		—		—		7		3.4		3,084		2.8
Asset-backed retained notes	58		5.4		—		—		41		5.3		17		5.7		—		—
Total held-to-maturity securities	$	4,433	3.0		$	—	—		$	41	5.3		$	24	5.0		$	4,368	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 $53 million asset and a $72 million liability for agency mortgage-backed residential securities at September 30, 2025, and December 31, 2024, respectively, and a $40 million asset and a $34 million liability for agency mortgage-backed commercial securities at September 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 $373 million and $106 million at September 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 September 30,				Nine months ended September 30,
($ in millions)	2025		2024		2025		2024
Taxable interest	$	230	$	243	$	668	$	732
Taxable dividends	5		5		15		15
Interest and dividends exempt from U.S. federal income tax	6		5		18		16
Interest and dividends on investment securities	$	241	$	253	$	701	$	763

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 September 30,				Nine months ended September 30,
($ in millions)	2025		2024		2025		2024
Available-for-sale securities
Gross realized gains	$	1	$	1	$	3	$	2
Gross realized losses (a)	—		—		(495)		—
Net realized gain (loss) on available-for-sale securities	1		1		(492)		2
Net realized gain on equity securities	28		15		61		53
Net unrealized gain on equity securities	27		58		49		41
Other gain (loss) on investments, net	$	56	$	74	$	(382)	$	96

(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 September 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 September 30, 2025, and December 31, 2024. We have not recorded any interest income reversals on our held-to-maturity securities during the nine months ended September 30, 2025, or September 30, 2024.



($ in millions)	AAA		AA		A		BBB		Total (a)
September 30, 2025
Debt securities
Agency mortgage-backed residential	$	—	$	1,284	$	—	$	—	$	1,284
Mortgage-backed residential	3,021		69		1		—		3,091
Asset-backed retained notes	53		2		2		1		58
Total held-to-maturity securities	$	3,074	$	1,355	$	3	$	1	$	4,433
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 nine months ended September 30, 2025, or September 30, 2024.


	September 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	$	—	$	—	$	604	$	(55)	$	—	$	—	$	1,873	$	(200)
U.S. States and political subdivisions	53		(1)		426		(79)		87		(2)		472		(85)
Foreign government	16		—		77		(3)		40		—		112		(5)
Agency mortgage-backed residential (a)	547		(1)		10,451		(2,154)		127		(3)		13,518		(3,109)
Mortgage-backed residential	—		—		200		(35)		—		—		206		(43)
Agency mortgage-backed commercial (a)	191		(1)		3,590		(646)		428		(11)		3,445		(825)
Asset-backed	—		—		24		—		—		—		124		(2)
Corporate debt	65		(1)		1,170		(67)		265		(6)		1,319		(114)
Total available-for-sale securities	$	872	$	(4)	$	16,542	$	(3,039)	$	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 September 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 nine months ended September 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 September 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)	September 30, 2025		December 31, 2024

Consumer automotive (a)	$	84,994	$	83,757
Consumer mortgage (b)	16,253		17,234
Consumer other (c)	—		2,294
Total consumer	101,247		103,285
Commercial
Commercial and industrial
Automotive	17,137		18,259
Other (d)	9,169		8,212
Commercial real estate	7,014		6,274
Total commercial	33,320		32,745
Total finance receivables and loans (e) (f)	$	134,567	$	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 September 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)Includes $26 million of PCD loans that were acquired for $2 million of cash considerations during the three months ended September 30, 2025, which have experienced a more-than-insignificant deterioration of credit quality since origination. We recognized an initial allowance for loan losses of $24 million on these PCD loans.

(e)Totals include net unearned income, unamortized premiums and discounts, and deferred fees and costs of $2.4 billion and $2.3 billion at September 30, 2025, and December 31, 2024, respectively.

(f)Totals do not include accrued interest receivable, which was $761 million and $839 million at September 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 nine months ended September 30, 2025, and 2024, respectively.


Three months ended September 30, 2025 ($ in millions)	Consumer automotive		Consumer mortgage		Commercial		Total
Allowance at July 1, 2025	$	3,166	$	17	$	233	$	3,416
Charge-offs (a)	(662)		—		—		(662)
Recoveries	263		3		1		267
Net charge-offs	(399)		3		1		(395)

Provision for credit losses	419		(3)		(1)		415
Other (b)	—		—		24		24
Allowance at September 30, 2025	$	3,186	$	17	$	257	$	3,460

(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.

(b)Commercial includes $24 million of allowance for loan losses recognized on PCD loans acquired during the three months ended September 30, 2025.

Ally Financial Inc. 10-Q