Ally Financial Inc.

For the period ended Jun 30, 2025. Filed Aug 4, 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.

Jun 30, 2025 · Filed Aug 4, 2025

ALLY$38.53+0.9%Stored close · as of Nov 9, 2026

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Contents

Item 1. Financial Statements

Condensed Consolidated Statement of Comprehensive Income (unaudited)

	Three months ended June 30,		Six months ended June 30,
($ in millions)	2025	2024	2025	2024
Financing revenue and other interest income
Interest and fees on finance receivables and loans	$2,624	$2,845	$5,333	$5,672
Interest on loans held-for-sale	6	7	11	43
Interest and dividends on investment securities and other earning assets	248	265	478	531
Interest on cash and cash equivalents	95	88	193	185
Operating leases	352	333	703	689
Total financing revenue and other interest income	3,325	3,538	6,718	7,120
Interest expense
Interest on deposits	1,329	1,594	2,732	3,245
Interest on short-term borrowings	5	27	6	50
Interest on long-term debt	258	244	529	492
Interest on other	1	1	1	1
Total interest expense	1,593	1,866	3,268	3,788
Net depreciation expense on operating lease assets	216	155	456	347
Net financing revenue and other interest income	1,516	1,517	2,994	2,985
Other revenue
Insurance premiums and service revenue earned	359	341	723	686
(Loss) gain on mortgage and automotive loans, net	(4)	6	(3)	12
Other gain (loss) on investments, net	61	(7)	(438)	22
Other income, net of losses	150	165	347	315
Total other revenue	566	505	629	1,035
Total net revenue	2,082	2,022	3,623	4,020
Provision for credit losses	384	457	575	964
Noninterest expense
Compensation and benefits expense	430	442	935	961
Insurance losses and loss adjustment expenses	203	181	364	293
Goodwill impairment	—	—	305	—
Other operating expenses	629	663	1,292	1,340
Total noninterest expense	1,262	1,286	2,896	2,594
Income from continuing operations before income tax expense	436	279	152	462
Income tax expense from continuing operations	84	60	25	100
Net income from continuing operations	352	219	127	362
Net income	$352	$219	$127	$362
Other comprehensive income (loss), net of tax	43	(20)	705	(193)
Comprehensive income	$395	$199	$832	$169

Statement continues on the next page.

Condensed Consolidated Statement of Comprehensive Income (unaudited)

	Three months ended June 30,		Six months ended June 30,
($ in millions, except per share data; shares in thousands) (a)	2025	2024	2025	2024
Net income from continuing operations attributable to common shareholders	$324	$191	$71	$306
Net income attributable to common shareholders	$324	$191	$71	$306
Basic weighted-average common shares outstanding (b)	309,895	306,774	309,453	306,388
Diluted weighted-average common shares outstanding (b)	312,434	309,886	312,033	309,154
Basic earnings per common share
Net income from continuing operations	$1.05	$0.63	$0.23	$1.00
Net income	$1.05	$0.63	$0.23	$1.00
Diluted earnings per common share
Net income from continuing operations	$1.04	$0.62	$0.23	$0.99
Net income	$1.04	$0.62	$0.23	$0.99
Cash dividends declared per common share	$0.30	$0.30	$0.60	$0.60

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

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

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

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.