Form 8-K

8-K — Ally Financial Inc.

Accession: 0001193125-26-179290

Filed: 2026-04-27

Period: 2026-04-27

CIK: 0000040729

SIC: 6022 (STATE COMMERCIAL BANKS)

Item: Other Events

Item: Financial Statements and Exhibits

Documents

8-K — d100900d8k.htm (Primary)

EX-99.1 (d100900dex991.htm)

EX-99.2 (d100900dex992.htm)

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8-K

8-K (Primary)

Filename: d100900d8k.htm · Sequence: 1

8-K

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d)

of the Securities Exchange Act of 1934

(Date of report; date of earliest event reported)

April 27, 2026

(Date of report; date of earliest event reported)

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)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

☐

Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐

Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐

Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐

Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

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 is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

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. ☐

ITEM 8.01.

OTHER EVENTS.

Preferred Stock Offering

On April 27, 2026, Ally Financial Inc. (the “Company”) announced the launch of a proposed public offering (the “Offering”) of its Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series D (the “Series D Preferred Stock”). The Offering is subject to pricing, which has not yet occurred. If the Offering is priced and proceeds to closing, the Company intends to use the net proceeds from the sale of the Series D Preferred Stock for general corporate purposes, which may include, but is not limited to, the redemption of some or all of its 4.700% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series B, $1,000 liquidation preference per share (the “Series B Preferred Stock”).

The pricing of the Offering and whether a redemption of the Series B Preferred Stock will occur is subject to market conditions and other considerations. There is no assurance that the Offering will price and close or that the Company will decide to redeem the Series B Preferred Stock, or, if it does, the amount to be redeemed and the timing of the redemption. This Current Report on Form 8-K does not constitute a notice of redemption with respect to the Series B Preferred Stock. If the Company decides to redeem the Series B Preferred Stock, it intends to announce its decision by press release and an appropriate notice of redemption during the applicable notice window.

The Offering is described in the Company’s preliminary prospectus supplement dated April 27, 2026, filed with the Securities and Exchange Commission today.

This Current Report on Form 8-K does not constitute an offer to sell the Series D Preferred Stock.

First Quarter 2026 Earnings

On April 17, 2026, the Company announced its first quarter 2026 earnings and furnished on Form 8-K its earnings release, investor presentation and supplemental financial data. The Company’s earnings results and portions of its supplemental financial data for the first quarter 2026 are being filed as Exhibits 99.1 and 99.2, respectively.

ITEM 9.01.

FINANCIAL STATEMENTS AND EXHIBITS.

(d) Exhibits

The following exhibits are filed as part of this Report.

Exhibit

No.

Description of Exhibits

99.1

Ally Financial Inc. earnings results for first quarter 2026.

99.2

Select Supplemental Financial Data of Ally Financial Inc. for first quarter 2026.

104

The cover page from this Current Report on Form 8-K, formatted in Inline XBRL

Cautionary Note on Forward-Looking Statements

The information contained in this Current Report on Form 8-K contains “forward-looking statements” within the meaning of the U.S. Private Securities Litigation Reform Act of 1995. These statements, which may be expressed in a variety of ways, including the use of future or present tense language, relate to, among other things, the Company’s expectations regarding the completion of, and the use of proceeds from, the Offering, and the redemption of the Series B Preferred Stock. These statements are based upon the Company’s current beliefs and expectations and are subject to significant risks and uncertainties (some of which are beyond the Company’s control). Actual outcomes may differ materially from those expressed or implied as a result of risks and uncertainties, including, but not limited to, the risk factors and other uncertainties set forth in the Company’s Annual Report on Form 10-K for the year ended December 31, 2025. All statements in this Current Report on Form 8-K speak only as of the date of this filing, and the Company undertakes no obligation to update the information to reflect events or circumstances that arise after that date or to reflect the occurrence of unanticipated events.

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

ALLY FINANCIAL INC.

(Registrant)

Date: April 27, 2026

By:

/s/ Austin T. McGrath

Name:

Austin T. McGrath

Title:

Vice President, Controller, and Chief Accounting Officer

EX-99.1

Filename: d100900dex991.htm · Sequence: 2

EX-99.1

Exhibit 99.1

News release: IMMEDIATE RELEASE

Ally Financial Reports First Quarter 2026 Financial Results

$0.93

8.8%

$400 million

$2.1 billion

GAAP EPS

RETURN ON COMMON EQUITY

PRE-TAX INCOME

GAAP TOTAL NET REVENUE

$1.11

11.1%

$470 million

$2.2 billion

ADJUSTED EPS1

CORE ROTCE1

CORE PRE-TAX INCOME1

ADJUSTED TOTAL NET REVENUE1

•

GAAP EPS of $0.93 | Adjusted EPS1 of $1.11 was up ~90% year over year

•

GAAP Pre-tax income of $400 million | Core pre-tax income1 of $470 million was up $223 million year over year

•

Return on Common Equity of 8.8% | Core ROTCE1 of 11.1% was up ~440 bps year over

year

•

NIM ex. OID1 of 3.52% was up 1 bp quarter over quarter and up 17 bps year over

year

•

Common equity tier 1 ratio of 10.1% was up ~60 bps year over year | Executed $147 million of share repurchases during the

quarter

•

$11.5 billion of consumer auto originations sourced from a record 4.4 million consumer auto applications

•

Estimated retail auto originated yield1 of 9.60% with 41% of volume within the highest credit

quality tier

•

Retail auto net charge-offs of 197 bps, down 15 bps year over year

•

Insurance written premiums of $389 million were up $4 million year over year

•

$146 billion of retail deposits | 92% FDIC insured | 88% core deposit funded

•

68 consecutive quarters of retail deposit customer growth, serving 3.5 million customers

•

Corporate Finance HFI portfolio of $13.7 billion with no new non-performing loans during the quarter |

ROE of 26%

First Quarter 2026 Financial Results

Increase / (Decrease) vs.

($ millions except per share data)

1Q 26

4Q 25

1Q 25

4Q 25

1Q 25

GAAP Net Income (Loss) Attributable to Common Shareholders

291

300

(253

)

215

Core Net Income Attributable to Common Shareholders1

346

341

179

GAAP Earnings per Common Share (basic or diluted as applicable)

0.93

0.95

(0.82

)

214

Adjusted EPS1

1.11

1.09

0.58

Return on GAAP Shareholders’ Equity

8.8

9.2

(8.6

202

Core ROTCE1

11.1

6.7

GAAP Common Shareholders’ Equity per Share

43.22

42.70

38.77

Adjusted Tangible Book Value per Share1

40.93

40.38

35.95

GAAP Total Net Revenue

2,102

2,123

1,541

Adjusted Total Net Revenue1

2,179

2,165

2,065

The following are non-GAAP financial measures which Ally believes are

important to the reader of the Consolidated Financial Statements, but which are supplemental to and not a substitute for GAAP measures: Adjusted Earnings per Share (Adjusted EPS), Adjusted Total Net Revenue, Core

Pre-Tax Income, Core Net Income Attributable to Common Shareholders, Core OID, Core Return on Tangible Common Equity (Core ROTCE), Estimated Retail Auto Originated Yield, Tangible Common Equity, Net Financing

Revenue (excluding Core OID) and Adjusted Tangible Book Value per Share (Adjusted TBVPS). These measures are used by management and we believe are useful to investors in assessing the company’s operating performance and capital. Refer to the

Definitions of Non-GAAP Financial Measures and Other Key Terms, and Reconciliation to GAAP later in this release.

Discussion of First Quarter 2026 Results

Net income attributable to common shareholders was $291 million in the quarter, compared to a $253 million loss in the first quarter of 2025.

Net financing revenue was $1.6 billion, up $111 million year over year. Net interest margin (“NIM”) of 3.48% and net interest margin

excluding core OIDA of 3.52% were up 17 bps year over year.

Other revenue increased

$450 million year over year to $513 million which included a $59 million decrease in fair value of equity securities in the quarter compared to a $13 million decrease in the first quarter of 2025. Adjusted other revenueA of $572 million increased $1 million year over year as the removal of fee-related income due to the sale of Credit Card and the wind down of the

consumer mortgage portfolio was offset by momentum across diversified revenue streams including Insurance, SmartAuction, and Passthrough programs.

Provision for credit losses increased $276 million year over year to $467 million, primarily due to a reserve release associated with the sale of

Credit Card in the prior year, which was partially offset by lower retail auto net charge-offs.

Noninterest expense decreased $399 million year over

year, primarily due to the sale of Credit Card and historically elevated weather losses in the prior year period.

Represents a non-GAAP financial measure. Refer to the Definitions of Non-GAAP Financial Measures and Other Key Terms and Reconciliation to GAAP later in this press release.

First Quarter 2026 Financial Results

Increase/(Decrease) vs.

($ millions except per share data)

1Q 26

4Q 25

1Q 25

4Q 25

1Q 25

(a) Net Financing Revenue

1,589

1,598

1,478

)

111

Core OID1

Net Financing Revenue (excluding Core OID)1

1,607

1,615

1,494

)

114

(b) Other Revenue

513

525

(12

)

450

Repositioning3

495

(26

)

(495

)

Change in Fair Value of Equity Securities2

)

Adjusted Other Revenue1

572

550

571

467

487

191

(20

)

276

Repositioning3

)

306

(299

)

Adjusted Provision for Credit Losses1

474

486

497

(12

)

(23

)

(d) Noninterest Expense

1,235

1,250

1,634

(15

)

(399

)

Repositioning3

—

(31

)

(314

)

314

Adjusted Noninterest Expense1

1,235

1,219

1,320

(85

)

Pre-Tax Income (loss) (a+b-c-d)

400

386

(284

)

684

Income Tax Expense (Benefit)

(59

)

140

Net Income (Loss) from Discontinued Operations

—

Net Income (Loss)

319

327

(225

)

544

Preferred Dividends

—

Net Income (Loss) Attributable to Common Shareholders

291

300

(253

)

544

GAAP EPS (basic or diluted, as applicable)

0.93

0.95

(0.82

)

(0.03

)

1.75

Core OID, Net of Tax1

0.05

0.04

0.00

0.01

Change in Fair Value of Equity Securities, Net of

Tax2

0.15

(0.00

)

0.03

0.15

0.12

Repositioning, Discontinued Ops., and Other, Net of Tax3

(0.02

)

0.15

1.33

(0.17

)

(1.34

)

Significant Discrete Tax Items

—

(0.06

)

—

0.06

—

Adjusted EPS1

1.11

1.09

0.58

0.02

0.52

(1)

Represents a non-GAAP financial measure. Refer to the Definitions of Non-GAAP Financial Measures and Other Key

Terms and Reconciliation to GAAP later in this press release.

(2)

Impacts the Insurance, Corporate Finance and Corporate and Other segments. The change reflects fair value

adjustments to equity securities that are reported at fair value. Management believes the change in fair value of equity securities should be removed from select financial measures because it enables the reader to better understand the

business’s ongoing ability to generate revenue and income.

(3)

Contains non-GAAP financial measures and other financial measures. See

pages 5 and 6 for definitions.

Pre-Tax Income by Segment

Increase/(Decrease) vs.

($ millions)

1Q 26

4Q 25

1Q 25

4Q 25

1Q 25

Automotive Finance

336

372

375

(36

)

(39

)

Insurance

(63

)

Dealer Financial Services

364

463

377

(99

)

(13

)

Corporate Finance

)

Corporate and Other

(58

)

(175

)

(737

)

117

679

Pre-Tax Income (Loss) from Continuing

Operations

400

386

(284

)

684

Core OID1

Change in Fair Value of Equity Securities2

)

Repositioning3

)

503

(66

)

(510

)

Core Pre-Tax Income1

470

461

247

223

(1)

Represents a non-GAAP financial measure. Refer to the Definitions of Non-GAAP Financial Measures and Other Key Terms and Reconciliation to GAAP later in this press release.

(2)

Change in fair value of equity securities primarily impacts the Insurance, Corporate Finance, and Corporate and

Other segments. Reflects equity fair value adjustments which requires change in the fair value of equity securities to be recognized in current period net income.

(3)

Contains non-GAAP financial measures and other financial measures. See

pages 5 and 6 for definitions.

Discussion of Segment Results

Auto Finance

Pre-tax income of $336 million was down $39 million year over year, primarily driven by higher noninterest

and provision expense, partially offset by higher revenue.

Net financing revenue of $1.3 billion was up $25 million year over year, primarily

driven by growth in consumer assets. Ally’s retail auto portfolio yield, excluding the impact from hedges, increased 16 bps year over year to 9.27% as the portfolio continues to benefit from higher yielding vintages.

Provision for credit losses of $468 million was up $34 million year over year as continued improvement in credit was more than offset by a CECL

reserve build associated with asset growth in the quarter. The retail auto net charge-off rate of 1.97% decreased 15 bps year over year. Retail auto delinquencies 30+ days past due, inclusive of non-accrual loans, decreased 17 bps year over year to 4.60%, representing four consecutive quarters of year over year improvement.

Noninterest expense of $592 million was up $38 million year over year, primarily due to higher servicing related expenses related to asset growth.

Consumer auto originations of $11.5 billion included $7.5 billion of used retail volume, or 66% of total originations, $3.2 billion of new

retail volume, and $720 million of lease. Estimated retail auto originated yieldB was 9.60% in the quarter with 41% of originations in our highest credit quality tier.

End-of-period auto earning assets of $119.3 billion increased

$6.0 billion year over year. End-of-period consumer auto earning assets of $95.4 billion increased $3.6 billion year over year driven by strong consumer

originations. End-of-period commercial earning assets of $23.9 billion were up $2.4 billion year over year.

Insurance

Pre-tax income of $28 million was up $26 million year over year. Results included a $59 million decrease

in fair value of equity securities compared to a $15 million decrease in the prior year period. Core pre-tax incomeC of $87 million increased

$70 million year over year, primarily driven by lower weather losses.

Insurance losses of $121 million were down $40 million year over

year.

Written premiums of $389 million were up $4 million year over year.

Total investment income, excluding the change in fair value of equity securitiesD, was $74 million,

up $33 million year over year driven by higher realized investment gains.

Estimated Retail Auto Originated Yield is a forward-looking non-GAAP

financial measure determined by calculating the estimated average annualized yield for loans originated during the period. Refer to the Definitions of Non-GAAP Financial Measures and Other Key Terms and

Reconciliation to GAAP later in this press release.

Represents a non-GAAP financial measure. Refer to the Definitions of Non-GAAP Financial Measures and Other Key Terms and Reconciliation to GAAP later in this press release.

Change in the fair value of equity securities to be recognized in current period net income. Refer to the

Definitions of Non-GAAP Financial Measures and Other Key Terms and Reconciliation to GAAP later in this press release.

Discussion of Segment Results

Corporate Finance

Pre-tax income of $94 million was up $18 million year over year driven by higher net revenue.

Net financing revenue of $113 million was up $9 million year over year driven by asset growth. Other revenue of $35 million was up

$6 million year over year primarily driven by equity investment gains.

Provision expense of $8 million was $6 million favorable year over

year primarily due to the impact of higher asset growth in the prior year period.

Return on equity (ROE) for the quarter was 26%.

The held-for-investment loan portfolio of $13.7 billion is 100% first

lien. Criticized assets and non-accrual loan percentages remain near historically low levels at 10% and 1%, respectively.

Capital, Liquidity & Deposits

Capital

Ally paid a $0.30 per share quarterly common

dividend, which was unchanged year over year. Ally’s Board of Directors approved a $0.30 per share common dividend for the second quarter of 2026. Ally repurchased $147 million in shares during the quarter.

Ally’s common equity tier 1 (CET1) capital ratio was 10.1%. Risk weighted assets (RWA) of $155.2 billion were up $2.4 billion quarter over

quarter.

Liquidity & Funding

Cash and cash

equivalentsE totaled $8.9 billion. Highly liquid securities were $20.4 billion and unused pledged borrowing capacity at the FHLB and FRB was $9.5 billion and $27.0 billion,

respectively. Total current available liquidityF was $65.8 billion, 5.4x uninsured deposit balances.

Deposits represented 88% of Ally’s funding portfolio.

Deposits

Retail deposits of $146.1 billion were up

$63 million year over year, and up $2.6 billion quarter over quarter. Total deposits were $153.2 billion and Ally maintained an industry-leading customer retention rateG.

The average retail deposit portfolio yield was 3.26%, down 49 bps year over year and 8 bps quarter over quarter.

Ally Bank added 74 thousand net new deposit customers in the quarter, totaling 3.5 million. Millennials and younger customers continue to comprise

the largest generation segment of new customers.

Cash & cash equivalents may include the restricted cash accumulation for retained notes maturing

within the following 30 days and returned to Ally on the distribution date. See page 17 of the Financial Supplement for more details.

Total liquidity includes cash & cash equivalents, highly liquid securities and current unused

borrowing capacity at the FHLB, and FRB Discount Window. See page 17 of the Financial Supplement for more details.

See definitions of non-GAAP financial measures and other key terms

later in this document for more details.

Definitions of Non-GAAP Financial Measures and

Other Key Terms

Ally believes the non-GAAP financial measures defined here are important to the reader of the

Consolidated Financial Statements, but these are supplemental to and not a substitute for GAAP measures. See Reconciliation to GAAP below for calculation methodology and details regarding each measure.

Adjusted earnings per share (Adjusted EPS) is a non-GAAP financial measure that adjusts GAAP EPS for revenue

and expense items that are typically strategic in nature or that management otherwise does not view as reflecting the operating performance of the company. Management believes Adjusted EPS can help the reader better understand the operating

performance of the core businesses and their ability to generate earnings. In the numerator of Adjusted EPS, GAAP net income attributable to common shareholders is adjusted for the following items: (1) excludes discontinued operations, net of

tax, as Ally is primarily a domestic company and sales of international businesses and other discontinued operations in the past have significantly impacted GAAP EPS, (2) adds back the tax-effected non-cash Core OID, (3) adjusts for tax-effected repositioning and other which are primarily related to the extinguishment of high-cost legacy debt, strategic activities

and significant other one-time items, (4) change in fair value of equity securities, (5) excludes significant discrete tax items that do not relate to the operating performance of the core

businesses, and adjusts for preferred stock capital actions that have been taken by the company to normalize its capital structure, as applicable for respective periods. See page 6 for calculation methodology and details.

Core Return on Tangible Common Equity (Core ROTCE) is a non-GAAP financial measure that management believes is

helpful for readers to better understand the ongoing ability of the company to generate returns on its equity base that supports core operations. Ally’s Core net income attributable to common shareholders for purposes of calculating Core ROTCE

is based on the actual effective tax rate for the period adjusted for significant discrete tax items including tax reserve releases, which aligns with the methodology used in calculating adjusted earnings per share.

(1)

In the numerator of Core ROTCE, GAAP net income attributable to common shareholders is adjusted for

discontinued operations net of tax, tax-effected Core OID, tax-effected repositioning and other which are primarily related to the extinguishment of high-cost legacy

debt, strategic activities and significant other one-time items, change in fair value of equity securities, significant discrete tax items, and preferred stock capital actions, as applicable for respective

periods.

(2)

In the denominator, GAAP shareholder’s equity is adjusted for goodwill and identifiable intangibles net

of DTL and tax-effected Core OID balance.

Adjusted Efficiency Ratio is a non-GAAP financial measure that management believes is helpful to readers in comparing the efficiency of its core banking and lending businesses with those of its peers. In the numerator of Adjusted Efficiency

Ratio, total noninterest expense is adjusted for Rep and warrant expense, Insurance segment expense, and repositioning and other which are primarily related to the extinguishment of high-cost legacy debt, strategic activities and significant other one-time items, as applicable for respective periods. In the denominator, total net revenue is adjusted for Core OID and Insurance segment revenue. See Reconciliation to GAAP on page 7 for calculation methodology

and details.

Adjusted Tangible Book Value per Share (Adjusted TBVPS) is a non-GAAP financial measure that

reflects the book value of equity attributable to shareholders even if Core OID balance were accelerated immediately through the financial statements. As a result, management believes Adjusted TBVPS provides the reader with an assessment of value

that is more conservative than GAAP common shareholder’s equity per share. Adjusted TBVPS generally adjusts common equity for: (1) goodwill and identifiable intangibles, net of DTLs, and

(2) tax-effected Core OID balance to reduce tangible common equity in the event the corresponding discounted bonds are redeemed/tendered, as applicable for respective periods.

Core Net Income Attributable to Common Shareholders is a non-GAAP financial measure that serves as the

numerator in the calculations of Adjusted EPS and Core ROTCE and that, like those measures, is believed by management to help the reader better understand the operating performance of the core businesses and their ability to generate earnings. Core

Net Income Attributable to Common Shareholders adjusts GAAP net income attributable to common shareholders for discontinued operations net of tax, tax-effected Core OID expense,

tax-effected repositioning and other primarily related to the extinguishment of high-cost legacy debt and strategic activities and significant other, preferred stock capital actions, significant discrete tax

items and tax-effected changes in equity investments measured at fair value, as applicable for respective periods. See Reconciliation to GAAP on page 6 for calculation methodology and details.

Core Original Issue Discount (Core OID) Amortization Expense is a non-GAAP financial measure for OID, and is

believed by management to help the reader better understand the activity removed from: Core pre-tax income (loss), Core net income (loss) attributable to common shareholders, Adjusted EPS, Core ROTCE, Adjusted

efficiency ratio, Adjusted total net revenue, and Net financing revenue (excluding Core OID). Core OID is primarily related to bond exchange OID which excludes international operations and future issuances. See page 7 for calculation

methodology and details.

Core Outstanding Original Issue Discount Balance (Core OID balance) is a non-GAAP

financial measure for outstanding OID and is believed by management to help the reader better understand the balance removed from Core ROTCE and Adjusted TBVPS. Core OID balance is primarily related to bond exchange OID which excludes international

operations and future issuances. See page 7 for calculation methodology and details.

Core Pre-Tax Income

is a non-GAAP financial measure that adjusts pre-tax income from continuing operations by excluding (1) Core OID, and (2) change in fair value of equity

securities (change in fair value of equity securities impacts the Insurance and Corporate Finance, and Corporate & Other segments), and (3) Repositioning and other which are primarily related to the extinguishment of high-cost legacy

debt, strategic activities and significant other one-time items, as applicable for respective periods or businesses. Management believes core pre-tax income can help the

reader better understand the operating performance of the core businesses and their ability to generate earnings. See the Pre-Tax Income by Segment Table on page 3 for calculation methodology and details.

Tangible Common Equity is a non-GAAP financial measure that is defined as common stockholders’ equity

less goodwill and identifiable intangible assets, net of deferred tax liabilities. Ally considers various measures when evaluating capital adequacy, including Tangible Common Equity. Ally believes that Tangible Common Equity is important because we

believe readers may assess our capital adequacy using this measure. Additionally, presentation of this measure allows readers to compare certain aspects of our capital adequacy on the same basis to other companies in the industry. For purposes of

calculating Core Return on Tangible Common Equity (Core ROTCE), Tangible Common Equity is further adjusted for Core OID balance and net deferred tax asset. See page 6 for calculation methodology & details.

Net Interest Margin (excluding Core OID) is calculated using a non-GAAP measure that adjusts net interest

margin by excluding Core OID. The Core OID balance is primarily related to bond exchange OID which excludes international operations and future issuances. Management believes net interest margin ex. Core OID is a helpful financial metric because it

enables the reader to better understand the business’ profitability and margins.

Net Financing Revenue (excluding Core OID) is calculated

using a non-GAAP measure that adjusts net financing revenue by excluding Core OID. The Core OID balance is primarily related to bond exchange OID which excludes international operations and future issuances.

Management believes net financing revenue ex. Core OID is a helpful financial metric because it enables the reader to better understand the business’ ability to generate revenue.

Adjusted Other Revenue is a non-GAAP financial measure that adjusts GAAP other revenue for OID expenses,

repositioning, and change in fair value of equity securities. Management believes adjusted other revenue is a helpful financial metric because it enables the reader better understand the business’ ability to generate other revenue.

Adjusted Total Net Revenue is a non-GAAP financial measure that management believes is helpful for readers to

understand the ongoing ability of the company to generate revenue. For purposes of this calculation, GAAP net financing revenue is adjusted by excluding Core OID to calculate net financing revenue ex. core OID. GAAP other revenue is adjusted for OID

expenses, repositioning, and change in fair value of equity securities to calculate adjusted other revenue. Adjusted total net revenue is calculated by adding net financing revenue ex. core OID to adjusted other revenue.

Adjusted Noninterest Expense is a non-GAAP financial measure that adjusts GAAP noninterest expense for

repositioning items. Management believes adjusted noninterest expense is a helpful financial metric because it enables the reader to better understand the business’ expenses excluding nonrecurring items.

Adjusted Provision for Credit Losses is a non-GAAP financial measure that adjusts GAAP provision for credit

losses for repositioning items. Management believes adjusted provision for credit losses is a helpful financial metric because it enables the reader to better understand the business’s expenses excluding nonrecurring items.

Estimated Retail Auto Originated Yield is a financial measure determined by calculating the estimated average annualized yield for loans originated

during the period. At this time there currently is no comparable GAAP financial measure for Estimated Retail Auto Originated Yield and therefore this forecasted estimate of yield at the time of origination cannot be quantitatively reconciled to

comparable GAAP information.

Net Charge-Off Ratios are annualized net charge-offs divided by average

outstanding finance receivables and loans excluding loans measured at fair value and loans held-for-sale.

Accelerated issuance expense (Accelerated OID) is the recognition of issuance expenses related to calls of redeemable debt.

Customer retention rate is the annualized 3-month rolling average of 1 minus the monthly attrition rate;

excludes escheatment.

Repositioning is primarily related to the extinguishment of high-cost legacy debt, strategic activities, and significant

other one-time items.

Corporate and Other primarily consists of activity related to centralized corporate

treasury activities such as management of the cash and corporate investment securities and loan portfolios, short- and long-term debt, retail and brokered deposit liabilities, derivative instruments, the amortization of the discount associated with

new debt issuances and bond exchanges, and the residual impacts of our corporate FTP and treasury ALM activities. Corporate and Other also includes certain equity investments, the management of our consumer mortgage portfolio, and reclassifications

and eliminations between the reportable operating segments. Subsequent to June 1, 2016, the revenue and expense activity associated with Ally Invest was included within the Corporate and Other segment. Subsequent to December 1, 2021, the

revenue and expense activity associated with Ally Credit Card was included within the Corporate and Other segment. Ally Credit Card was moved to Assets of Operations Held for Sale on March 31, 2025. The sale of Ally Credit Card closed on

April 1, 2025.

Change in fair value of equity securities impacts the Insurance, Corporate Finance and Corporate and

Other segments. The change reflects fair value adjustments to equity securities that are reported at fair value. Management believes the change in fair value of equity securities should be removed from select financial measures because it enables

the reader to better understand the business’ ongoing ability to generate revenue and income.

Reconciliation to GAAP

Adjusted Earnings per Share

Numerator ($ millions)

1Q 26

4Q 25

1Q 25

GAAP Net Income (Loss) Attributable to Common Shareholders

291

300

(253

)

Discontinued Operations, Net of Tax

—

Core OID

Repositioning and Other

)

503

Change in the Fair Value of Equity Securities

)

Tax on: Core OID, Repo, & Change in Fair Value of Equity Securities (21% tax rate)

(15

)

(16

)

(99

)

Significant Discrete Tax Items

—

(18

)

—

Core Net Income Attributable to Common Shareholders

[a]

346

341

179

Denominator

Weighted-Average Common Shares Outstanding

(basic or diluted as applicable, thousands)

[b]

313,219

314,264

309,006

Adjusted EPS

[a] ÷ [b]

1.11

1.09

0.58

Core Return on Tangible Common Equity (ROTCE)

Numerator ($ millions)

1Q 26

4Q 25

1Q 25

GAAP Net Income (Loss) Attributable to Common Shareholders

291

300

(253

)

Discontinued Operations, Net of Tax

—

Core OID

Repositioning and Other

)

503

Change in Fair Value of Equity Securities

)

Tax on: Core OID, Repo, & Change in Fair Value of Equity Securities (21% tax rate)

(15

)

(16

)

(99

)

Significant Discrete Tax Items

—

(18

)

—

Core Net Income Attributable to Common Shareholders

[a]

346

341

179

Denominator (Average, $ millions)

GAAP Shareholders’ Equity

15,554

15,308

14,068

Preferred Equity

(2,324

)

(2,324

)

(2,324

)

GAAP Common Shareholders’ Equity

13,230

12,984

11,744

Goodwill & Identifiable Intangibles, Net of Deferred Tax Liabilities (DTLs)

(187

)

(187

)

(449

)

Tangible Common Equity

13,042

12,796

11,295

Tax-effected Core OID balance (tax rate 21%)

(523

)

(537

)

(576

)

Adjusted Tangible Common Equity

[b]

12,520

12,260

10,719

Core Return on Tangible Common Equity

[a] ÷ [b]

11.1

6.7

Adjusted Tangible Book Value per Share

Numerator ($ millions)

1Q 26

4Q 25

1Q 25

GAAP Shareholders’ Equity

15,609

15,498

14,232

Preferred Equity

(2,324

)

(2,324

)

(2,324

)

GAAP Common Shareholders’ Equity

13,285

13,174

11,908

Goodwill and Identifiable Intangible Assets, Net of DTLs

(187

)

(187

)

(295

)

Tangible Common Equity

13,098

12,987

11,613

Tax-effected Core OID Balance (21% tax rate)

(516

)

(530

)

(570

)

Adjusted Tangible Book Value

[a]

12,582

12,457

11,044

Denominator

Issued Shares Outstanding (period-end,

thousands)

[b]

307,408

308,493

307,152

Metric

GAAP Common Shareholders’ Equity per Share

43.22

42.70

38.77

Goodwill and Identifiable Intangible Assets, Net of DTLs per Share

(0.61

)

(0.61

)

(0.96

)

Tangible Common Equity per Share

42.61

42.10

37.81

Tax-effected Core OID Balance (21% tax rate) per

(1.68

)

(1.72

)

(1.85

)

Adjusted Tangible Book Value per Share

[a] ÷ [b]

40.93

40.38

35.95

Adjusted Efficiency Ratio

Numerator ($ millions)

1Q 26

4Q 25

1Q 25

GAAP Noninterest Expense

1,235

1,250

1,634

Insurance Expense

(350

)

(335

)

(392

)

Repositioning and Other

—

(31

)

(314

)

Adjusted Noninterest Expense for Adjusted Efficiency Ratio

[a]

885

884

928

Denominator ($ millions)

Total Net Revenue

2,102

2,123

1,541

Core OID

Repositioning Items

495

Insurance Revenue

(378

)

(426

)

(394

)

Adjusted Net Revenue for Adjusted Efficiency Ratio

[b]

1,742

1,741

1,658

Adjusted Efficiency Ratio

[a] ÷ [b]

50.8

56.0

Original Issue Discount Amortization Expense ($ millions)

1Q 26

4Q 25

1Q 25

GAAP Original Issue Discount Amortization Expense

Other OID

)

Core Original Issue Discount (Core OID) Amortization Expense

Outstanding Original Issue Discount Balance ($ millions)

1Q 26

4Q 25

1Q 25

GAAP Outstanding Original Issue Discount Balance

(670

)

(689

)

(745

)

Other Outstanding OID Balance

Core Outstanding Original Issue Discount Balance (Core OID Balance)

(653

)

(671

)

(721

)

($ millions)

Net Financing Revenue (Excluding Core OID)

1Q 26

4Q 25

1Q 25

GAAP Net Financing Revenue

[w]

1,589

1,598

1,478

Core OID

Net Financing Revenue (Excluding Core OID)

[a]

1,607

1,615

1,494

Adjusted Other Revenue

1Q 26

4Q 25

1Q 25

GAAP Other Revenue

[x]

513

525

Accelerated OID & Repositioning Items

495

Change in Fair Value of Equity Securities

)

Adjusted Other Revenue

[b]

572

550

571

Adjusted Total Net Revenue

1Q 26

4Q 25

1Q 25

Adjusted Total Net Revenue

[a]+[b]

2,179

2,165

2,065

Adjusted Provision for Credit Losses

1Q 26

4Q 25

1Q 25

GAAP Provision for Credit Losses

[y]

467

487

191

Repositioning

)

306

Adjusted Provision for Credit Losses

[c]

474

486

497

Adjusted Noninterest Expense

1Q 26

4Q 25

1Q 25

GAAP Noninterest Expense

[z]

1,235

1,250

1,634

Repositioning

—

(31

)

(314

)

Adjusted Noninterest Expense

[d]

1,235

1,219

1,320

Core Pre-Tax

Income

1Q 26

4Q 25

1Q 25

Pre-Tax Income (Loss)

[w]+[x]-[y]-[z]

400

386

(284

)

Core Pre-Tax Income

[a]+[b]-[c]-[d]

470

461

247

Insurance Non-GAAP Walk to Core Pre-Tax Income

1Q 2026

1Q 2025

($ millions)

GAAP

Change in the

fair value of

equity

securities

Non-GAAP1

GAAP

Change in the

fair value of

equity

securities

Non-GAAP1

Insurance

Premiums, Service Revenue Earned and Other

363

—

363

368

—

368

Losses and Loss Adjustment Expenses

121

—

121

161

—

161

Acquisition and Underwriting Expenses

229

—

229

231

—

231

Investment Income and Other

Pre-Tax Income from Continuing Operations

Non-GAAP line items walk to Core

Pre-Tax Income, a non-GAAP financial measure that adjusts Pre-Tax Income.

Additional Financial Information

About Ally Financial Inc.

Ally Financial Inc. (NYSE:

ALLY) is a financial services company with the nation’s largest all-digital bank and an industry-leading auto financing 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 auto financing and insurance offerings. The company also includes a seasoned corporate finance business

that offers capital for equity sponsors and middle-market companies.

Forward-Looking Statements

This earnings release and related communications should be read in conjunction with the financial statements, notes, and other information contained in our

Annual Reports on Form 10-K, Quarterly Reports on Form 10-Q, and Current Reports on Form 8-K. This information is preliminary and

based on company and third-party data available at the time of the presentation or related communication.

This earnings release and related

communications contain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These statements can be identified by the fact that they do not relate strictly to historical or current facts—such

as statements about the outlook for financial and operating metrics and performance and future capital allocation and actions. Forward-looking statements often use words such as “believe,” “expect,” “anticipate,”

“intend,” “pursue,” “seek,” “continue,” “estimate,” “project,” “outlook,” “forecast,” “potential,” “target,”

“objective,” “trend,” “plan,” “goal,” “initiative,” “priorities,” or other words of comparable meaning or future-tense or conditional verbs such as “may,”

“will,” “should,” “would,” or “could.” Forward-looking statements convey our expectations, intentions, or forecasts about future events, circumstances, or results. All forward-looking statements, by

their nature, are subject to assumptions, risks, and uncertainties, which may change over time and many of which are beyond our control. In particular, forward-looking statements about Ally’s outlook, including expectations regarding net

interest margin, adjusted other revenue, net-charge offs, non-interest expenses and average earning assets, and other forward-looking statements are based on our current

expectations and are subject to various important factors that could cause actual results to differ materially, including general economic conditions, expectations regarding interest rates and inflation, monetary and fiscal policies in the United

States and other jurisdictions, the composition of our balance sheet, including with respect to our loan and securities portfolios, the impact of our strategic initiatives, including recent initiatives involving our Credit Card and Mortgage

operations, demand for new and used vehicles, new and used vehicle values and the impact of escalating tariffs and other trade policies on us, our customers and our strategic partners, and the economic impacts, volatility and uncertainty resulting

therefrom.

You should not rely on any forward-looking statement as a prediction or guarantee about the future. Actual future objectives, strategies,

plans, prospects, performance, conditions, or results may differ materially from those set forth in any forward-looking statement. Some of the factors that may cause actual results or other future events or circumstances to differ from those in

forward-looking statements are described above and in our Annual Report on Form 10-K for the year ended December 31, 2025, our subsequent Quarterly Reports on Form

10-Q or Current Reports on Form 8-K, or other applicable documents that are filed or furnished with the U.S. Securities and Exchange Commission (collectively, our

“SEC filings”).

Any forward-looking statement made by us or on our behalf speaks only as of the date that it was made. We do not undertake to

update any forward-looking statement to reflect the impact of events, circumstances, or results that arise after the date that the statement was made, except as required by applicable securities laws. You, however, should consult further disclosures

(including disclosures of a forward-looking nature) that we may make in any subsequent SEC filings.

This earnings release and related communications

contain specifically identified non-GAAP financial measures, which supplement the results that are reported according to U.S. generally accepted accounting principles (“GAAP”). These non-GAAP financial measures may be useful to investors but should not be viewed in isolation from, or as a substitute for, GAAP results. Differences between non-GAAP financial

measures and comparable GAAP financial measures are reconciled in the document.

Unless the context otherwise requires, the following definitions apply.

The term “loans” means the following consumer and commercial products associated with our direct and indirect financing activities: loans, retail installment sales contracts, lines of credit, and other financing products excluding

operating leases. The term “operating leases” means consumer- and commercial-vehicle lease agreements where Ally is the lessor and the lessee is generally not obligated to acquire ownership of the vehicle at lease-end or compensate Ally for the vehicle’s residual value. The terms “lend,” “finance,” and “originate” mean our direct extension or origination of loans, our purchase

or acquisition of loans, or our purchase of operating leases, as applicable. The term “consumer” means all consumer products associated with our loan and operating-lease activities and all commercial retail installment sales contracts.

The term “commercial” means all commercial products associated with our loan activities, other than commercial retail installment sales contracts. The term “partnerships” means business arrangements rather than partnerships

as defined by law.

EX-99.2

Filename: d100900dex992.htm · Sequence: 3

EX-99.2

Exhibit 99.2

FIRST QUARTER 2026

FINANCIAL SUPPLEMENT

ALLY FINANCIAL INC.

FORWARD-LOOKING STATEMENTS AND ADDITIONAL INFORMATION

This document and related communications should be read in conjunction with the financial statements, notes, and other

information contained in our Annual Reports on Form 10-K, Quarterly Reports on Form 10-Q, and Current Reports on Form 8-K. This

information is preliminary and based on company and third-party data available at the time of the presentation or related communication.

This document

and related communications contain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These statements can be identified by the fact that they do not relate strictly to historical or current

facts—such as statements about the outlook for financial and operating metrics and performance and future capital allocation and actions. Forward-looking statements often use words such as “believe,” “expect,”

“anticipate,” “intend,” “pursue,” “seek,” “continue,” “estimate,” “project,” “outlook,” “forecast,” “potential,”

“target,” “objective,” “trend,” “plan,” “goal,” “initiative,” “priorities,” or other words of comparable meaning or future-tense or conditional verbs such as

“may,” “will,” “should,” “would,” or “could.” Forward-looking statements convey our expectations, intentions, or forecasts about future events, circumstances, or results. All

forward-looking statements, by their nature, are subject to assumptions, risks, and uncertainties, which may change over time and many of which are beyond our control. In particular, forward-looking statements about Ally’s outlook, including

expectations regarding net interest margin, adjusted other revenue, net-charge offs, non-interest expenses and average earning assets, and other forward-looking

statements are based on our current expectations and are subject to various important factors that could cause actual results to differ materially, including general economic conditions, expectations regarding interest rates and inflation, monetary

and fiscal policies in the United States and other jurisdictions, the composition of our balance sheet, including with respect to our loan and securities portfolios, the impact of our strategic initiatives, including recent initiatives involving our

Credit Card and Mortgage operations, demand for new and used vehicles, new and used vehicle values and the impact of escalating tariffs and other trade policies on us, our customers and our strategic partners, and the economic impacts, volatility

and uncertainty resulting therefrom. You should not rely on any forward-looking statement as a prediction or guarantee about the future. Actual future objectives, strategies, plans, prospects, performance, conditions, or results may differ

materially from those set forth in any forward-looking statement. Some of the factors that may cause actual results or other future events or circumstances to differ from those in forward-looking statements are described above and in our Annual

Report on Form 10-K for the year ended December 31, 2025, our subsequent Quarterly Reports on Form 10-Q or Current Reports on Form

8-K, or other applicable documents that are filed or furnished with the U.S. Securities and Exchange Commission (collectively, our “SEC filings”).

Any forward-looking statement made by us or on our behalf speaks only as of the date that it was made. We do not undertake to update any forward-looking

statement to reflect the impact of events, circumstances, or results that arise after the date that the statement was made, except as required by applicable securities laws. You, however, should consult further disclosures (including disclosures of

a forward-looking nature) that we may make in any subsequent SEC filings.

This document and related communications contain specifically identified non-GAAP financial measures, which supplement the results that are reported according to U.S. generally accepted accounting principles (“GAAP”). These non-GAAP

financial measures may be useful to investors but should not be viewed in isolation from, or as a substitute for, GAAP results. Differences between non-GAAP financial measures and comparable GAAP financial

measures are reconciled in the presentation.

Unless the context otherwise requires, the following definitions apply. The term “loans” means

the following consumer and commercial products associated with our direct and indirect financing activities: loans, retail installment sales contracts, lines of credit, and other financing products excluding operating leases. The term

“operating leases” means consumer- and commercial-vehicle lease agreements where Ally is the lessor and the lessee is generally not obligated to acquire ownership of the vehicle at lease-end or

compensate Ally for the vehicle’s residual value. The terms “lend,” “finance,” and “originate” mean our direct extension or origination of loans, our purchase or acquisition of loans, or our purchase of

operating leases, as applicable. The term “consumer” means all consumer products associated with our loan and operating-lease activities and all commercial retail installment sales contracts. The term “commercial” means all

commercial products associated with our loan activities, other than commercial retail installment sales contracts. The term “partnerships” means business arrangements rather than partnerships as defined by law. consumer products

associated with our loan and operating-lease activities and all commercial retail installment sales contracts. The term “commercial” means all commercial products associated with our loan activities, other than commercial retail

installment sales contracts. The term “partnerships” means business arrangements rather than partnerships as defined by law.

ALLY FINANCIAL INC.

TABLE OF CONTENTS

Page(s)

Consolidated Results

Consolidated Income Statement

Consolidated Period-End Balance Sheet

Consolidated Average Balance Sheet

ALLY FINANCIAL INC.

CONSOLIDATED INCOME STATEMENT

($ in millions)

QUARTERLY TRENDS

CHANGE VS.

1Q 26

4Q 25

3Q 25

2Q 25

1Q 25

4Q 25

1Q 25

Financing revenue and other interest income

Interest and fees on finance receivables and loans

2,658

2,690

2,674

2,624

2,709

(32

)

(51

)

Interest on loans

held-for-sale

Total interest and dividends on investment securities

223

234

241

239

221

(11

)

Interest-bearing cash

)

(17

)

Other earning assets

Operating leases

392

387

365

352

351

Total financing revenue and other interest income

3,374

3,416

3,387

3,325

3,393

(42

)

(19

)

Interest expense

Interest on deposits

1,233

1,268

1,302

1,329

1,403

(35

)

(170

)

Interest on short-term borrowings

Interest on long-term debt

265

274

265

258

271

)

Interest on other

—

)

—

Total interest expense

1,517

1,562

1,578

1,593

1,675

(45

)

(158

)

Depreciation expense on operating lease assets

268

256

225

216

240

Net financing revenue

1,589

1,598

1,584

1,516

1,478

)

111

Other revenue

Insurance premiums and service revenue earned

360

366

361

359

364

)

Gain / (loss) on mortgage and automotive loans, net

)

(29

)

Other gain / (loss) on investments, net

(21

)

(499

)

(42

)

478

Other income, net of losses

177

167

170

150

197

(20

)

Total other revenue

513

525

584

566

(12

)

450

Total net revenue

2,102

2,123

2,168

2,082

1,541

(21

)

561

Provision for loan losses

467

487

415

384

191

(20

)

276

Noninterest expense

Compensation and benefits expense

491

475

447

430

505

(14

)

Insurance losses and loss adjustment expenses

121

111

141

203

161

(40

)

Goodwill impairment

—

305

—

(305

)

Other operating expenses

623

664

652

629

663

(41

)

(40

)

Total noninterest expense

1,235

1,250

1,240

1,262

1,634

(15

)

(399

)

Pre-tax income (loss) from continuing

operations

400

386

513

436

(284

)

684

Income tax (benefit) / expense from continuing operations

115

(59

)

140

Net income (loss) from continuing operations

319

327

398

352

(225

)

544

Loss from discontinued operations, net of tax

—

Net income (loss)

319

327

398

352

(225

)

544

Preferred Dividends

—

Net income (loss) available to common shareholders

291

300

371

324

(253

)

544

Note: Numbers may not foot due to rounding.

ALLY FINANCIAL INC.

CONSOLIDATED PERIOD-END BALANCE SHEET

($ in millions)

QUARTERLY TRENDS

CHANGE VS.

Assets

1Q 26

4Q 25

3Q 25

2Q 25

1Q 25

4Q 25

1Q 25

Cash and cash equivalents

Noninterest-bearing

380

405

429

530

543

(25

)

(163

)

Interest-bearing

9,138

9,625

9,817

10,062

9,866

(487

)

(728

)

Total cash and cash equivalents

9,518

10,030

10,246

10,592

10,409

(512

)

(891

)

Investment securities (1)

28,238

28,220

27,982

27,896

27,956

282

Loans

held-for-sale, net

337

549

179

185

209

(212

)

128

Finance receivables and loans, net

139,890

137,454

134,567

133,229

133,485

2,436

6,405

Allowance for loan losses

(3,540

)

(3,490

)

(3,460

)

(3,416

)

(3,398

)

(50

)

(142

)

Total finance receivables and loans, net

136,350

133,964

131,107

129,813

130,087

2,386

6,263

Investment in operating leases, net

8,699

8,772

8,599

7,992

7,879

(73

)

820

Premiums receivable and other insurance assets

2,817

2,844

2,903

2,893

2,806

(27

)

Other assets

11,310

11,623

10,695

10,102

11,545

(313

)

(235

)

Assets of operations

held-for-sale (2)

—

2,440

—

(2,440

)

Total assets

197,269

196,002

191,711

189,473

193,331

1,267

3,938

Liabilities

Deposit liabilities

Noninterest-bearing

137

125

174

155

133

Interest-bearing

153,015

151,524

148,236

147,711

151,295

1,491

1,720

Total deposit liabilities

153,152

151,649

148,410

147,866

151,428

1,503

1,724

Short-term borrowings

4,126

4,695

3,879

3,856

3,339

(569

)

787

Long-term debt

17,349

17,070

16,749

15,876

16,465

279

884

Interest payable

852

729

1,097

912

954

123

(102

)

Unearned insurance premiums and service revenue

3,665

3,656

3,648

3,627

3,563

102

Accrued expense and other liabilities

2,516

2,705

2,811

2,789

3,315

(189

)

(799

)

Liabilities of operations

held-for-sale

—

(35

)

Total liabilities

181,660

180,504

176,594

174,926

179,099

1,156

2,561

Equity

Common stock and paid-in capital (3)

15,231

15,327

15,310

15,291

15,248

(96

)

(17

)

Preferred stock

2,324

—

Retained earnings (accumulated deficit)

827

633

427

151

(78

)

194

905

Accumulated other comprehensive loss

(2,773

)

(2,786

)

(2,944

)

(3,219

)

(3,262

)

489

Total equity

15,609

15,498

15,117

14,547

14,232

111

1,377

Total liabilities and equity

197,269

196,002

191,711

189,473

193,331

1,267

3,938

(1)

Includes Held-to-maturity

securities.

(2)

Credit Card moved to Assets of Operations

Held-For-Sale (HFS) on 03/31/25. Sale of Credit Card closed on 04/01/25.

(3)

Includes Treasury stock.

Note: Numbers may not foot due to rounding.

ALLY FINANCIAL INC.

CONSOLIDATED AVERAGE BALANCE SHEET (1)

($ in millions)

QUARTERLY TRENDS

CHANGE VS.

Assets

1Q 26

4Q 25

3Q 25

2Q 25

1Q 25

4Q 25

1Q 25

Interest-bearing cash and cash equivalents

9,100

8,983

8,465

8,888

9,345

117

(245

)

Investment securities and other earning assets

28,954

28,846

28,450

28,359

28,435

108

519

Loans

held-for-sale, net

415

181

141

135

166

234

249

Total finance receivables and loans, net (2) (5)

137,797

135,674

133,419

132,762

135,178

2,123

2,619

Investment in operating leases, net

8,805

8,753

8,255

7,919

7,955

850

Total interest earning assets

185,071

182,437

178,730

178,063

181,079

2,634

3,992

Noninterest-bearing cash and cash equivalents

286

266

251

874

279

Other assets

11,510

11,654

11,699

11,367

12,078

(144

)

(568

)

Allowance for loan losses

(3,501

)

(3,460

)

(3,437

)

(3,397

)

(3,708

)

(41

)

207

Total assets

193,366

190,897

187,243

186,907

189,728

2,469

3,638

Liabilities

Interest-bearing deposit liabilities

Retail deposit liabilities

144,106

141,750

142,364

143,492

143,914

2,356

192

Other interest-bearing deposit liabilities (3)

7,616

7,123

5,127

4,806

6,581

493

1,035

Total Interest-bearing deposit liabilities

151,722

148,873

147,491

148,298

150,495

2,849

1,227

Short-term borrowings

1,941

1,794

897

475

124

147

1,817

Long-term debt (4)

17,049

17,249

16,375

16,129

17,245

(200

)

(196

)

Total interest-bearing liabilities (4)

170,712

167,916

164,763

164,902

167,864

2,796

2,848

Noninterest-bearing deposit liabilities

145

155

169

146

145

(10

)

—

Other liabilities

6,727

7,320

7,362

7,463

7,529

(593

)

(802

)

Total liabilities

177,584

175,391

172,294

172,511

175,538

2,193

2,046

Equity

Total equity

15,782

15,506

14,949

14,396

14,190

276

1,592

Total liabilities and equity

193,366

190,897

187,243

186,907

189,728

2,469

3,638

(1)

Average balances are calculated using a combination of monthly and daily average methodologies.

(2)

Nonperforming finance receivables and loans are included in the average balances net of unearned income,

unamortized premiums and discounts, and deferred fees and costs.

(3)

Includes brokered (inclusive of sweep deposits) and other deposits.

(4)

Includes average Core OID balance of $661 million in 1Q26, $679 million in 4Q25, $696 million

in 3Q25, $713 million in 2Q25, and $729 million in 1Q25.

(5)

Includes the effects of finance receivables and loans, net that were transferred to loans held-for-sale, net and subsequently transferred to assets of operations held-for-sale as of

03/31/25. The sale of card closed 04/01/25.

Note: Numbers may not foot due to rounding.

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