Ally Financial Inc.

For the period ended Sep 30, 2025. Filed Oct 30, 2025.

About this filing

A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.

Sep 30, 2025 · Filed Oct 30, 2025

ALLY$37.67-2.2%Stored close · as of Nov 10, 2026

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Contents

Item 1. Financial Statements

Condensed Consolidated Statement of Comprehensive Income (unaudited)

	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.

Condensed Consolidated Statement of Comprehensive Income (unaudited)

	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.

ContentsView on SEC.gov

The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.