# EDGAR Filing Document

**Accession Number:** 0000040729
**File Stem:** 0001193125-26-160281
**Filing Date:** 2026-4
**Character Count:** 182853
**Document Hash:** cde9201aaf9bac9fb0b9d3b44354960e
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-160281.hdr.sgml**: 20260417

**ACCESSION NUMBER**: 0001193125-26-160281

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 69

**CONFORMED PERIOD OF REPORT**: 20260417

**ITEM INFORMATION**: Results of Operations and Financial Condition

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20260417

**DATE AS OF CHANGE**: 20260417

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Ally Financial Inc.
- **CENTRAL INDEX KEY:** 0000040729
- **STANDARD INDUSTRIAL CLASSIFICATION:** STATE COMMERCIAL BANKS [6022]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 380572512
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 001-03754
- **FILM NUMBER:** 26869379

**BUSINESS ADDRESS:**
- **STREET 1:** ALLY DETROIT CENTER
- **STREET 2:** 500 WOODWARD AVE. FLOOR 10
- **CITY:** DETROIT
- **STATE:** MI
- **ZIP:** 48226
- **BUSINESS PHONE:** 866-710-4623

**MAIL ADDRESS:**
- **STREET 1:** ALLY DETROIT CENTER
- **STREET 2:** 500 WOODWARD AVE. FLOOR 10
- **CITY:** DETROIT
- **STATE:** MI
- **ZIP:** 48226

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** GMAC INC.
- **DATE OF NAME CHANGE:** 20090701

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** GMAC LLC
- **DATE OF NAME CHANGE:** 20060720

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** GENERAL MOTORS ACCEPTANCE CORP
- **DATE OF NAME CHANGE:** 19920703

?xml version='1.0' encoding='ASCII'? 8-K

### 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

#### April 17, 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**<br>**incorporation or organization)** | **(I.R.S. Employer**<br>**Identification No.)** |

---

#### Ally Detroit Center

#### 500 Woodward Ave.

#### 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**<br>**symbol** | **Name of each exchange**<br>**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 2.02** | **Results of Operations and Financial Condition.** |

---

On April 17, 2026, Ally Financial Inc. issued a press release announcing preliminary operating results for the first quarter ended March 31, 2026. The press release is attached hereto and incorporated by reference as Exhibit 99.1. Charts furnished to securities analysts are attached hereto and incorporated by reference as Exhibit 99.2. In addition, supplemental financial data furnished to securities analysts is attached hereto and incorporated by reference as Exhibit 99.3.

The information in this Item 2.02, including the exhibits, shall not be deemed "filed" for purposes of Section 18 of the Securities Exchange Act of 1934 (Exchange Act) or otherwise subject to the liabilities of that section. This information shall not be deemed to be incorporated by reference in any filing under the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by specific reference to such disclosure in this Form 8-K in such a filing.

---

| | |
|:---|:---|
| **Item 9.01** | **Financial Statements and Exhibits.** |

---

---

| | |
|:---|:---|
| Exhibit No. | Description |
| 99.1 | [Press Release, Dated April 17, 2026](d117350dex991.htm) |
| 99.2 | [Charts Furnished to Securities Analysts](d117350dex992.htm) |
| 99.3 | [Supplemental Financial Data Furnished to Securities Analysts](d117350dex993.htm) |
| 104 | The cover page from this Current Report on Form 8-K, formatted in Inline XBRL |

---

------

#### 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.

---

| | |
|:---|:---|
|  | <u>ALLY FINANCIAL INC.</u> |
|  | (Registrant) |
| Dated: <u>April 17, 2026</u> | /s/ Austin T. McGrath |
|  | Austin T. McGrath |
|  | Vice President, Controller, and Chief Accounting Officer |

---

## Exhibit 99.1

**Exhibit 99.1** 

News release: IMMEDIATE RELEASE

![LOGO](g117350dsp_1.jpg)

---

| | | | |
|:---|:---|:---|:---|
| **Ally Financial Reports First Quarter 2026 Financial Results** | **Ally Financial Reports First Quarter 2026 Financial Results** | **Ally Financial Reports First Quarter 2026 Financial Results** | **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 EPS<sup>1</sup>** | **CORE ROTCE<sup>1</sup>** | **CORE PRE-TAX INCOME<sup>1</sup>** | **ADJUSTED TOTAL NET REVENUE<sup>1</sup>** |

---

**FINANCIAL HIGHLIGHTS** 

• GAAP EPS of $0.93 \| Adjusted EPS<sup>1</sup>of $1.11 was up ~90% year
over year

• GAAP Pre-tax income of $400 million \| Core pre-tax income<sup>1</sup>of $470 million was up $223 million year over year

• Return on Common Equity of 8.8% \| Core ROTCE<sup>1</sup>of 11.1% was
up ~440 bps year over year

• NIM ex. OID<sup>1</sup>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

**OPERATIONAL HIGHLIGHTS** 

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

• Estimated retail auto originated yield<sup>1</sup>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%

**CEO COMMENTS** 

"The first quarter marked a strong start to the year, reflecting the momentum we've established across our core franchises," said Chief Executive Officer, Michael Rhodes. "Our results underscore the strength of our '**Focused. Forward.**' strategy and the disciplined execution behind it. This approach is driving sustained value for our customers and shareholders.

In Dealer Financial Services, strong, mutually beneficial dealer relationships led to a record 4.4 million consumer applications. Robust application flow allowed us to remain selective while delivering originations of $11.5 billion, a 13% increase year over year despite lower industry sales. Within Insurance, we grew average inventory exposure 12% year over year, reflecting our all-in value proposition as we support our dealers across all aspects of their businesses.

Corporate Finance delivered another impressive quarter with a 26% ROE and balances growing to $13.7 billion. Our disciplined risk management approach has resulted in a high-quality portfolio consistently delivering across cycles, with criticized assets and non-accrual loans near historic lows.

At Ally Bank, our digital-first model continues to set us apart, delivering exceptional customer service and experiences. We ended the quarter with $146 billion in retail deposits from 3.5 million customers – marking a 68th consecutive quarter of customer growth. Our deposits base not only reinforces our position as the nation's largest all-digital, direct bank, but provides durable, low-cost funding that fuels disciplined growth in our core lending franchises.

We entered 2026 with momentum, and our execution continues to build on it. '**Focused. Forward.**' is delivering strong performance and positioning us to compete and win. Even in a dynamic environment, the opportunities ahead are compelling. With a clear strategy and a strong foundation in place, I am confident in our ability to deliver compelling long-term value for shareholders."

**First Quarter 2026 Financial Results** 

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| | | | | ***Increase / (Decrease) vs.*** | ***Increase / (Decrease) vs.*** | ***Increase / (Decrease) vs.*** | ***Increase / (Decrease) vs.*** |
| *($ millions except per share data)* | **1Q 26** | **4Q 25** | **1Q 25** | ***4Q 25*** | ***4Q 25*** | ***1Q 25*** | ***1Q 25*** |
|  **GAAP Net Income (Loss) Attributable to Common Shareholders** | $291 | $300 | $(253) | | *(3)%* | | *215 %* |
|  **Core Net Income Attributable to Common Shareholders<sup>1</sup>** | $346 | $341 | $179 | | *2 %* | | *94 %* |
|  **GAAP Earnings per Common Share (basic or diluted as applicable)** | $0.93 | $0.95 | $(0.82) | | *(3)%* | | *214 %* |
|  **Adjusted EPS<sup>1</sup>** | $1.11 | $1.09 | $0.58 | | *2 %* | | *90 %* |
|  **Return on GAAP Shareholders' Equity** | 8.8% | 9.2% | (8.6)% | | *(5)%* | | *202 %* |
|  **Core ROTCE<sup>1</sup>** | 11.1% | 11.1% | 6.7% | | *(1)%* | | *66 %* |
|  **GAAP Common Shareholders' Equity per Share** | $43.22 | $42.70 | $38.77 | | *1 %* | | *11 %* |
|  **Adjusted Tangible Book Value per Share<sup>1</sup>** | $40.93 | $40.38 | $35.95 | | *1 %* | | *14 %* |
|  **GAAP Total Net Revenue** | $2102 | $2123 | $1541 | | *(1)%* | | *36 %* |
|  **Adjusted Total Net Revenue<sup>1</sup>** | $2179 | $2165 | $2065 | | *1 %* | | *6 %* |

---

<sup>1</sup> 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. 

------

![LOGO](g117350dsp2.jpg)

**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 OID<sup>A</sup> 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 revenue<sup>A</sup> 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.

<sup>A</sup> 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.*** | ***Increase/(Decrease) vs.*** |
| *($ millions except per share data)* | **1Q 26** | **4Q 25** | **1Q 25** | ***4Q 25*** | ***1Q 25*** |
| (a) Net Financing Revenue | $1589 | $1598 | $1478 | $*(9* | *111* |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Core OID<sup>1</sup> | 18 | 17 | 16 | *1* | *3* |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Net Financing Revenue (excluding Core OID)<sup>1</sup> | 1607 | 1615 | 1494 | *(8* | *114* |
| (b) Other Revenue | 513 | 525 | 63 | *(12* | *450* |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Repositioning<sup>3</sup> | 0 | 27 | 495 | *(26* | *(495* |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Change in Fair Value of Equity Securities<sup>2</sup> | 59 | (2) | 13 | *60* | *46* |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Adjusted Other Revenue<sup>1</sup> | 572 | 550 | 571 | *22* | *1* |
| (c) Provision for Credit Losses | 467 | 487 | 191 | *(20* | *276* |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Repositioning<sup>3</sup> | 7 | (1) | 306 | *8* | *(299* |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Adjusted Provision for Credit Losses<sup>1</sup> | 474 | 486 | 497 | *(12* | *(23* |
| (d) Noninterest Expense | 1235 | 1250 | 1634 | *(15* | *(399* |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Repositioning<sup>3</sup> |  | (31) | (314) | *31* | *314* |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Adjusted Noninterest Expense<sup>1</sup> | 1235 | 1219 | 1320 | *16* | *(85* |
|  **Pre-Tax Income (loss) (a+b-c-d)** | $**400** | $**386** | $**(284)** | $***14*** | $***684*** |
|  Income Tax Expense (Benefit) | 81 | 59 | (59) | *22* | *140* |
|  Net Income (Loss) from Discontinued Operations |  |  |  | *—* | *—* |
|  **Net Income (Loss)** | $**319** | $**327** | $**(225)** | $***(8*** | $***544*** |
|  Preferred Dividends | 28 | 27 | 28 | *1* | *—* |
|  **Net Income (Loss) Attributable to Common Shareholders** | $**291** | $**300** | $**(253)** | $***(9*** | $***544*** |
|  **GAAP EPS (basic or diluted, as applicable)** | $**0.93** | $**0.95** | $**(0.82)** | $***(0.03*** | $***1.75*** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Core OID, Net of Tax<sup>1</sup> | 0.05 | 0.04 | 0.04 | *0.00* | *0.01* |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Change in Fair Value of Equity Securities, Net of Tax<sup>2</sup> | 0.15 | (0.00) | 0.03 | *0.15* | *0.12* |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Repositioning, Discontinued Ops., and Other, Net of Tax<sup>3</sup> | (0.02) | 0.15 | 1.33 | *(0.17* | *(1.34* |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Significant Discrete Tax Items |  | (0.06) |  | *0.06* | *—* |
|  **Adjusted EPS<sup>1</sup>** | $**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.

------

![LOGO](g117350dsp2.jpg)

**Pre-Tax Income by Segment** 

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|  | | | | ***Increase/(Decrease) vs.*** | ***Increase/(Decrease) vs.*** |
| *($ millions)* | **1Q 26** | **4Q 25** | **1Q 25** | **4Q 25** | **1Q 25** |
|  Automotive Finance | $336 | $372 | $375 | $*(36* | $*(39* |
|  Insurance | 28 | 91 | 2 | *(63* | *26* |
|  **Dealer Financial Services** | $**364** | $**463** | $**377** | $***(99*** | $***(13*** |
|  Corporate Finance | 94 | 98 | 76 | *(4* | *18* |
|  Corporate and Other | (58) | (175) | (737) | *117* | *679* |
|  **Pre-Tax Income (Loss) from Continuing Operations** | $**400** | $**386** | $**(284)** | $***14*** | $***684*** |
|  Core OID<sup>1</sup> | 18 | 17 | 16 | *1* | *3* |
|  Change in Fair Value of Equity Securities<sup>2</sup> | 59 | (2) | 13 | *60* | *46* |
|  Repositioning<sup>3</sup> | (7) | 59 | 503 | *(66* | *(510* |
|  **Core Pre-Tax Income<sup>1</sup>** | $**470** | $**461** | $**247** | $***9*** | $***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 yield<sup>B</sup> 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 income<sup>C</sup> 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 securities<sup>D</sup>, was $74 million, up $33 million year over year driven by higher realized investment gains.

<sup>B</sup> 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. 

<sup>C</sup> 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.

<sup>D</sup> 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.

------

![LOGO](g117350dsp2.jpg)

**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 equivalents<sup>E</sup> 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 liquidity<sup>F</sup> 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 rate<sup>G</sup>.

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.

<sup>E</sup> 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.

<sup>F</sup> 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. 

<sup>G</sup> See definitions of non-GAAP financial measures and other key terms later in this document for more details.

------

![LOGO](g117350dsp2.jpg)

**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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(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.

------

![LOGO](g117350dsp2.jpg)

**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)** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Discontinued Operations, Net of Tax |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Core OID |  | 18 | 17 | 16 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Repositioning and Other |  | (7) | 59 | 503 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Change in the Fair Value of Equity Securities |  | 59 | (2) | 13 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Tax on: Core OID, Repo, & Change in Fair Value of Equity Securities (21% tax rate) |  | (15) | (16) | (99) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Significant Discrete Tax Items |  |  | (18) |  |
|  **Core Net Income Attributable to Common Shareholders** | **[a]** | $**346** | $**341** | $**179** |
| ***Denominator*** |  |  |  |  |
|  **Weighted-Average Common Shares Outstanding**<br> *(basic or diluted as applicable, thousands)* | **[b]** | **313219** | **314264** | **309006** |
|  **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)** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Discontinued Operations, Net of Tax |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Core OID |  | 18 | 17 | 16 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Repositioning and Other |  | (7) | 59 | 503 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Change in Fair Value of Equity Securities |  | 59 | (2) | 13 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Tax on: Core OID, Repo, & Change in Fair Value of Equity Securities (21% tax rate) |  | (15) | (16) | (99) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Significant Discrete Tax Items |  |  | (18) |  |
|  **Core Net Income Attributable to Common Shareholders** | **[a]** | $**346** | $**341** | $**179** |
| ***Denominator (Average, $ millions)*** |  |  |  |  |
|  **GAAP Shareholders' Equity** |  | $**15554** | $**15308** | $**14068** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Preferred Equity |  | (2324) | (2324) | (2324) |
|  **GAAP Common Shareholders' Equity** |  | $**13230** | $**12984** | $**11744** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Goodwill & Identifiable Intangibles, Net of Deferred Tax Liabilities (DTLs) |  | (187) | (187) | (449) |
|  Tangible Common Equity |  | $13042 | $12796 | $11295 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Tax-effected Core OID balance (tax rate 21%) |  | (523) | (537) | (576) |
|  **Adjusted Tangible Common Equity** | **[b]** | $**12520** | $**12260** | $**10719** |
|  **Core Return on Tangible Common Equity** | **[a] ÷ [b]** | **11.1%** | **11.1%** | **6.7%** |

---

------

![LOGO](g117350dsp2.jpg)

**Adjusted Tangible Book Value per Share** 

---

| | | | | |
|:---|:---|:---|:---|:---|
| ***Numerator ($ millions)*** | | **1Q 26** | **4Q 25** | **1Q 25** |
|  **GAAP Shareholders' Equity** |  | $**15609** | $**15498** | $**14232** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Preferred Equity |  | (2324) | (2324) | (2324) |
|  **GAAP Common Shareholders' Equity** |  | $**13285** | $**13174** | $**11908** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Goodwill and Identifiable Intangible Assets, Net of DTLs |  | (187) | (187) | (295) |
|  Tangible Common Equity |  | 13098 | 12987 | 11613 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Tax-effected Core OID Balance (21% tax rate) |  | (516) | (530) | (570) |
|  **Adjusted Tangible Book Value** | **[a]** | $**12582** | $**12457** | $**11044** |
| ***<u>Denominator</u>*** |  |  |  |  |
|  **Issued Shares Outstanding** *(period-end, thousands)* | **[b]** | **307408** | **308493** | **307152** |
| ***<u>Metric</u>*** |  |  |  |  |
|  **GAAP Common Shareholders' Equity per Share** |  | $**43.22** | $**42.70** | $**38.77** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 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 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Tax-effected Core OID Balance (21% tax rate) per Share |  | (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** |  | $**1235** | $**1250** | $**1634** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Insurance Expense |  | (350) | (335) | (392) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Repositioning and Other |  |  | (31) | (314) |
|  **Adjusted Noninterest Expense for Adjusted Efficiency Ratio** | **[a]** | $**885** | $**884** | $**928** |
| ***<u>Denominator ($ millions)</u>*** |  |  |  |  |
|  **Total Net Revenue** |  | $**2102** | $**2123** | $**1541** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Core OID |  | 18 | 17 | 16 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Repositioning Items |  | 0 | 27 | 495 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Insurance Revenue |  | (378) | (426) | (394) |
|  **Adjusted Net Revenue for Adjusted Efficiency Ratio** | **[b]** | $**1742** | $**1741** | $**1658** |
|  **Adjusted Efficiency Ratio** | **[a] ÷ [b]** | **50.8%** | **50.8%** | **56.0%** |

---

**Original Issue Discount Amortization Expense ($ millions)** 

---

| | | | |
|:---|:---|:---|:---|
|  | **1Q 26** | **4Q 25** | **1Q 25** |
|  **GAAP Original Issue Discount Amortization Expense** | $**19** | $**19** | $**18** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Other OID | (1) | (2) | (3) |
|  **Core Original Issue Discount (Core OID) Amortization Expense** | $**18** | $**17** | $**16** |

---

**Outstanding Original Issue Discount Balance ($ millions)** 

---

| | | | |
|:---|:---|:---|:---|
|  | **1Q 26** | **4Q 25** | **1Q 25** |
|  **GAAP Outstanding Original Issue Discount Balance** | $**(670)** | $**(689)** | $**(745)** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Other Outstanding OID Balance | 17 | 18 | 24 |
|  **Core Outstanding Original Issue Discount Balance (Core OID Balance)** | $**(653)** | $**(671)** | $**(721)** |

---

------

![LOGO](g117350dsp2.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| *($ millions)* |  |  |  |  |
| **Net Financing Revenue (Excluding Core OID)** |  | **1Q 26** | **4Q 25** | **1Q 25** |
|  **GAAP Net Financing Revenue** | **[w]** | $**1589** | $**1598** | $**1478** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Core OID |  | 18 | 17 | 16 |
|  **Net Financing Revenue (Excluding Core OID)** | **[a]** | $**1607** | $**1615** | $**1494** |
| **Adjusted Other Revenue** |  | **1Q 26** | **4Q 25** | **1Q 25** |
|  **GAAP Other Revenue** | **[x]** | $**513** | $**525** | $**63** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Accelerated OID & Repositioning Items |  | 0 | 27 | 495 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Change in Fair Value of Equity Securities |  | 59 | (2) | 13 |
|  **Adjusted Other Revenue** | **[b]** | $**572** | $**550** | $**571** |
| **Adjusted Total Net Revenue** |  | **1Q 26** | **4Q 25** | **1Q 25** |
|  **Adjusted Total Net Revenue** | **[a]+[b]** | $**2179** | $**2165** | $**2065** |
| **Adjusted Provision for Credit Losses** |  | **1Q 26** | **4Q 25** | **1Q 25** |
|  **GAAP Provision for Credit Losses** | **[y]** | $**467** | $**487** | $**191** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Repositioning |  | 7 | (1) | 306 |
|  **Adjusted Provision for Credit Losses** | **[c]** | $**474** | $**486** | $**497** |
| **Adjusted Noninterest Expense** |  | **1Q 26** | **4Q 25** | **1Q 25** |
|  **GAAP Noninterest Expense** | **[z]** | $**1235** | $**1250** | $**1634** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Repositioning |  |  | (31) | (314) |
|  **Adjusted Noninterest Expense** | **[d]** | $**1235** | $**1219** | $**1320** |
| **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** 

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| *($ millions)* | **1Q 2026** | **1Q 2026** | **1Q 2026** | **1Q 2025** | **1Q 2025** | **1Q 2025** |
|  | GAAP | Change in the<br>fair value of<br>equity<br>securities | Non-GAAP<sup>1</sup> | GAAP | Change in the<br>fair value of<br>equity<br>securities | Non-GAAP<sup>1</sup> |
|  **Insurance** |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Premiums, Service Revenue Earned and Other | $**363** | $**—** | $**363** | $**368** | $**—** | $**368** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Losses and Loss Adjustment Expenses | 121 |  | 121 | 161 |  | 161 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Acquisition and Underwriting Expenses | 229 |  | 229 | 231 |  | 231 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Investment Income and Other | 15 | 59 | 74 | 26 | 15 | 41 |
|  **Pre-Tax Income from Continuing Operations** | $**28** | $**59** | $**87** | $**2** | $**15** | $**17** |

---

<sup>1</sup> Non-GAAP line items walk to Core Pre-Tax Income, a non-GAAP financial measure that adjusts Pre-Tax Income.

------

![LOGO](g117350dsp2.jpg)

**Additional Financial Information** 

For additional financial information, the first quarter 2026 earnings presentation and financial supplement are available in the Events & Presentations section of Ally's Investor Relations Website at http://www.ally.com/about/investor/events-presentations/.

**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. For more information, please visit www.ally.com.

For more information and disclosures about Ally, visit https://www.ally.com/#disclosures.

For further images and news on Ally, please visit http://media.ally.com.

**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. This document also includes forward-looking non-GAAP financial measures, such as outlooks for Net Interest Margin (ex. OID), Adjusted Other Revenue and Adjusted Noninterest Expense. We are unable to provide a reconciliation of these forward-looking non-GAAP financial measures to their most directly comparable GAAP financial measures because we are unable to provide, without unreasonable effort, a meaningful or accurate calculation or estimation of amounts that would be necessary for the reconciliation due to the inherent difficulty in forecasting and quantifying the occurrence and financial impact of various items that have not yet occurred, are out of our control or cannot be reasonably predicted. Forward-looking non-GAAP financial measures may vary materially from the corresponding GAAP financial measures.

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.

---

| | |
|:---|:---|
| **Contacts:** |  |
| Sean Leary | Peter Gilchrist |
| Ally Investor Relations | Ally Communications (Media) |
| 704-444-4830 | 704-644-6299 |
| sean.leary@ally.com | peter.gilchrist@ally.com |

---

## Exhibit 99.2

![](g117350ex99_2p1g1.jpg)

Exhibit 99.2 Ally Financial Inc. 1Q 2026 Earnings Review April 17, 2026 Contact Ally Investor Relations at (866) 710-4623 or investor.relations@ally.com

------

![](g117350ex99_2p2g1.jpg)

1Q 2026 Preliminary Results Forward-Looking Statements and Additional Information This presentation 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 presentation 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 presentation 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. This document also includes forward-looking non-GAAP financial measures, such as outlooks for Net Interest Margin (ex. OID), Adjusted Other Revenue and Adjusted Noninterest Expense. We are unable to provide a reconciliation of these forward-looking non-GAAP financial measures to their most directly comparable GAAP financial measures because we are unable to provide, without unreasonable effort, a meaningful or accurate calculation or estimation of amounts that would be necessary for the reconciliation due to the inherent difficulty in forecasting and quantifying the occurrence and financial impact of various items that have not yet occurred, are out of our control or cannot be reasonably predicted. Forward- looking non-GAAP financial measures may vary materially from the corresponding GAAP financial measures. 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. 2

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1Q 2026 Preliminary Results GAAP and Core Results: Quarterly Quarterly Trend ($ millions, except per share data) 1Q 26 4Q 25 3Q 25 2Q 25 1Q 25 GAAP net income (loss) attributable to common shareholders (NIAC) $291 $300 $371 $3 24 $(253) (1)(2) Core net income attributable to common shareholders $346 $3 41 $3 63 $3 09 $179 GAAP earnings per common share (EPS)(basic or diluted as applicable, NIAC) $0.93 $0.95 $1.18 $1.04 $(0.82) (1)(2) Adjusted EPS $1.11 $1.09 $1.15 $0.99 $0.58 Return on GAAP common shareholders' equity 8.8% 9.2% 11.9% 10.7% -8.6% (1)(2) Core ROTCE 11.1% 11.1% 12.3% 11.0% 6.7% GAAP common shareholders' equity per share $43.22 $42.70 $4 1.56 $39.71 $38.77 (1)(2) Adjusted tangible book value per share (Adjusted TBVPS) $40.93 $40.38 $3 9.19 $3 7.30 $35.95 Efficiency ratio 58.8% 58.9% 57.2% 60.6% 106.0% (1)(2) Adjusted efficiency ratio 50.8% 50.8% 50.0% 50.9% 56.0% GAAP total net revenue $2,102 $2 ,123 $2,168 $2,082 $1,541 (1)(2) Adjusted total net revenue $2,179 $2,165 $2,157 $2 ,064 $2 ,065 Effective tax rate 20.3% 15.3% 22.4% 19.3% 20.8% (1) 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: Accelerated issuance expense (Accelerated OID), Adjusted earnings per share (Adjusted EPS), Adjusted efficiency ratio, Adjusted noninterest expense, Adjusted other revenue, Adjusted provision for credit losses, Adjusted tangible book value per share (Adjusted TBVPS), Adjusted total net revenue, Core net income attributable to common shareholders, Core original issue discount (Core OID) amortization expense, Core outstanding original issue discount balance (Core OID balance), Core pre-tax income, Core return on tangible common equity (Core ROTCE), Investment income and other (adjusted), Net financing revenue (excluding Core OID), Net interest margin (excluding Core OID), and Adjusted Tangible Common Equity. 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 Notes on Non-GAAP Financial Measures, Notes on Other Financial Measures, Additional Notes, GAAP to Core Results and Non-GAAP Reconciliations later in this document. (2) Non-GAAP financial measure. See pages 19 – 21 for definitions. 3

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1Q 2026 Preliminary Results Quarterly Highlights Focused. Forward. strategy driving stronger financial results $2.1B $0.93 $400M 8.8% 3.52% GAAP Net (2) GAAP EPS GAAP Pre-tax Return on Equity NIM ex. OID Revenue $2.2B $1.11 $470M 11.1% 10.1% Adjusted Net (1) (1) (1) Adjusted EPS Core Pre-tax Core ROTCE CET1 (1) Revenue ↑ 90% YoY↑ 90% YoY↑ 440bps YoY↑ 6% YoY↑ 60bps YoY ↑ 12% YoY ex. Card Focused. Forward. A Brand That Matters Do it Right Focus on the core where we A differentiated approach to An authentic brand which have relevant scale and banking which defines our meaningfully connects and demonstrated differentiation philosophy to be a better bank, resonates with consumers within the marketplace not another bank (1) Non-GAAP financial measure. See pages 19 – 21 for definitions. 4 (2) Calculated using a Non-GAAP financial measure. See pages 19 – 21 for definitions.

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1Q 2026 Preliminary Results Market Leading Franchises Operational momentum remains strong, driving accretive opportunities Dealer Financial Services Corporate Finance Auto Finance Insurance 25+ Year History $11.5B 4.4M 7K 4.0M 8.5% $13.7B Consumer Consumer U.S. & Canadian Active F&I and Gross Revenue HFI Balances (2) Originations Applications Dealer Relationships P&C Policies Yield 9.6% 41% 2.3 12% 100% 1% Retail Auto Retail S-Tier U.S. F&I Products Sold YoY Avg. Dealer % of Portfolio % Loans (1) Originated Yield Originations per Dealer Inventory Growth First-Lien Non-Accrual Consumer Applications Written Premiums Return on Equity ($ millions) 34% 4.4M $389 $385 3.8M 3.8M All-time 27% 26% 25% Record $354 3.3M $307 1Q'23 1Q'24 1Q'25 1Q'26 1Q'23 1Q'24 1Q'25 1Q'26 1Q'23 1Q'24 1Q'25 1Q'26 Largest, all-digital, direct U.S. bank $146B 68 Quarters 92% 88% (3) Retail Deposit Balances Consecutive Customer Growth % FDIC Insured % Deposit Funded Retail Deposits $146B Retail Deposit Balances \| Primary Deposit Customers 3.5M $70B 1.3M 1Q'17 1Q'18 1Q'19 1Q'20 1Q'21 1Q'22 1Q'23 1Q'24 1Q'25 1Q'26 Average Customer Balance $55K $41K 5 See page 23 for footnotes.

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1Q 2026 Preliminary Results 1Q 2026 Financial Results Consolidated Income Statement - Quarterly Results Increase / (Decrease) vs. ($ millions; except per share data) 1Q 26 4Q 25 1Q 25 4Q 25 1Q 25 Net financing revenue $1,589 $1,598 $1,478 $(9) $111 (1) 18 17 16 1 3 Core OID (1) 1,607 1 ,615 1,494 (8) 114 Net financing revenue (ex. Core OID) Other revenue $513 $5 25 $63 $(12) $450 (2) 0 27 495 (26) (495) Mortgage transfer to HFS in 4Q 25; AFS Reposition in 1Q 25 Repositioning items (2) 59 (2) 13 60 46 Change in fair value of equity securities (1) 5 72 550 5 71 22 1 Adjusted other revenue Provision for credit losses $467 $487 $191 $(20) $276 Memo: Net charge-offs 417 452 507 (35) (90) Memo: Provision build / (release) 50 35 (316) 15 366 (2) 7 (1) 306 8 (299) Mortgage asset sale in 1Q 26; Credit Card Sale in 1Q 25 Repositioning items (1) 474 4 86 497 (12) (23) Adjusted provision for credit losses Noninterest expense $1 ,235 $1,250 $1,634 $(15) $(399) (2) - (31) (314) 31 314 Credit Card Sale in 1Q 25 Repositioning items (1) 1 ,235 1,219 1,320 16 (85) Adjusted noninterest expense Pre-tax income (loss) $400 $386 $(284) $14 $684 Income tax expense / (benefit) 81 59 (59) 22 140 Net income (loss) from discontinued operations - - - - - Net income (loss) $319 $327 $(225) $(8) $544 Preferred dividends 28 27 28 1 - Net income (loss) attributable to common shareholders $291 $3 00 $(253) $(9) $544 GAAP EPS (basic or diluted as applicable, NIAC) $0 .93 $0.95 $(0.82) $(0.03) $1.75 (1) 0.05 0.04 0.04 0 .00 0 .01 Core OID, net of tax (2) 0.15 (0.00) 0.03 0.15 0.12 Change in fair value of equity securities, net of tax (2) (0.02) 0.15 1.33 (0.17) (1.34) Repositioning, discontinued ops., and other, net of tax - (0.06) - 0 .06 - Significant discrete tax items (1) $1.11 $1 .09 $0 .58 $0.02 $0.52 Adjusted EPS (1) Non-GAAP financial measure. See pages 19 – 21 for definitions. (2) Contains Non-GAAP financial measures and other financial measures. See page 22 for definitions. 1Q'26 repositioning items related to mortgage asset sale (refer to applicable 6 disclosures for detail on historical repositioning).

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1Q 2026 Preliminary Results Balance Sheet and Net Interest Margin Confident in upper 3% NIM over time given structural balance sheet trends 1Q 2026 4Q 2025 1Q 2025 Average Average Average Yield Yield Yield Balance Balance Balance Retail Auto Loans (ex. hedge) $85,858 9.27% $84,865 9.27% $83,701 9.11% Memo: Impact from hedges 0.03% 0.05% 0.10% Retail Auto Loans (inc. hedge) $85,858 9.30% $84,865 9.32% $83,701 9.21% Auto Leases (net of depreciation) 8,805 5.73% 8,753 5.93% 7,955 5.69% Commercial Auto 2 2,926 5.78% 2 2,497 5.84% 21,663 6.25% Corporate Finance 13,348 7.43% 12,078 7.98% 10,304 8.78% (1) 15,708 3.21% 16,070 3.13% 17,104 3.23% Mortgage (2) - - - - 2,274 21.16% Consumer Other - Ally Credit Card (3) 9,100 3.61% 8,983 3.89% 9,345 4.23% Cash and Cash Equivalents (4) 29,326 3.28% 29,191 3.34% 28,733 3.26% Investment Securities & Other Earning Assets $185,071 6.81% $1 82,437 6.87% $1 81,079 7.06% (4) 147,017 7.70% 144,608 7.76% 143,300 8.00% Total Loans and Leases (5) $151,867 3.29% $149,028 3.38% $150,640 3.78% Deposits Unsecured Debt 9,993 7.60% 10,594 7.42% 11,069 7.39% Secured Debt 2,860 5.17% 2,604 5.14% 2,096 5.55% (6) 6,137 4.02% 5,845 4.21% 4,204 4.03% Other Borrowings Funding Sources $1 70,857 3.60% $168,071 3.69% $168,009 4.05% NIM (as reported) 3.48% 3.48% 3.31% (7) $661 11.09% $679 10.16% $729 8.63% Core OID (7) 3.52% 3.51% 3.35% NIM (ex. Core OID) 7 See page 23 for footnotes.

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1Q 2026 Preliminary Results Capital (1) • 1Q'26 CET1 ratio of 10.1% and TCE / TA ratio of 6.6% Capital Ratios and Risk-Weighted Assets • $4.7B of CET1 capital above FRB requirement of 7.1% Total Capital • Detailed assessment of regulatory proposals underway; Ratio 13.6% 13.4% 13.4% 13.2% 12.8% capital priorities remain consistent Tier 1 Ratio 11.7% 11.6% 11.5% 11.4% 11.0% - Preliminary fully phased-in AOCI CET1 ratio of 9.1% under CET1 Ratio 10.2% 10.1% 10.1% 9.9% Revised Standardized Approach (RSA); assessing impacts 9.5% under the proposed Expanded Risk Based Approach (ERBA) - Primary benefit from lower retail auto RWA Risk Weighted $154B $151B $151B $153B $155B - AOCI opt out removed, as expected Assets • 2Q'26 common dividend of $0.30 per share 1Q 25 2Q 25 3Q 25 4Q 25 1Q 26 • Executed $147M of share repurchases in 1Q'26 (1) Adjusted Tangible Book Value per Share Adjusted $41 (1) TBV/Share All-time $36 $36 +14% $35 High YoY $33 $33 $32 $31 $27 $27 $25 $24 $21 1Q 14 1Q 15 1Q 16 1Q 17 1Q 18 1Q 19 1Q 20 1Q 21 1Q 22 1Q 23 1Q 24 1Q 25 1Q 26 End of Period Shares Outstanding 480M 482M 483M 462M 433M 400M 373M 372M 327M 301M 304M 307M 307M 8 (1) Contains a Non-GAAP financial measure. See pages 19 – 21 for definitions.

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1Q 2026 Preliminary Results Asset Quality: Key Metrics (1) Net Charge-Offs (NCOs) Retail Auto Delinquencies (15bps) (21bps) (20bps) (15bps) (36bps) YoY (30bps) YoY (6bps) YoY (24bps) YoY +11bps YoY (17bps) YoY YoY YoY Retail Auto YoY 2.12% 5.25% YoY 2.14% NCO Rate 1.97% 1.88% 4.90% 30+ DPD 4.88% 1.75% 4.77% 4.60% Delinquency Rate (All-in) Consolidated 4.24% 1.50% 1.34% 1.18% 1.21% 3.93% NCO Rate 3.91% 1.10% 3.79% (15bps) 3.69% 30+ DPD (31bps) Delinquency (42bps) YoY (9bps) (10bps) (1) YoY Rate $507 YoY YoY Consolidated YoY $452 NCOs ($M) $417 $395 $366 60+ DPD Delinquency 1.14% (1) 1.02% 1.03% Rate 1.04% 0.97% 90+ DPD 0.52% 0.49% 0.50% 0.48% 0.48% Delinquency Rate 1Q 25 2Q 25 3Q 25 4Q 25 1Q 26 1Q 25 2Q 25 3Q 25 4Q 25 1Q 26 See page 22 for definition. (1) Includes accruing contracts only. Note: Excludes write-downs from mortgage loans transferred to HFS in 4Q 2025. Note: Days Past Due is abbreviated as ("DPD"). Consolidated Coverage Retail Auto Coverage ($ billions) ($ billions) 3.75% 3.75% 3.75% 3.75% 3.75% 2.56% 2.57% 2.55% 2.54% 2.53% $3.5 $3.5 $3.5 $3.4 $3.4 $3.3 $3.2 $3.2 $3.2 $3.1 1Q 25 2Q 25 3Q 25 4Q 25 1Q 26 1Q 25 2Q 25 3Q 25 4Q 25 1Q 26 Note: Coverage rate calculations exclude fair value adjustment for loans in hedge accounting relationships. 9

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1Q 2026 Preliminary Results Auto Finance • Auto pre-tax income of $336 million Increase / (Decrease) vs. Key Financials ($ millions) 1Q 26 4Q 25 1Q 25 • Retail portfolio yield ex. hedge of 9.27% Net financing revenue $1 ,291 $(19) $25 – Consumer originations of $11.5 billion, up 13% YoY driven by record Total other revenue 105 6 8 application volume despite a YoY decline in industry sales Total net revenue $1,396 $(13) $33 • Provision expense of $468 million, up $34 million YoY Provision for credit losses 4 68 (10) 34 reflects continued improvement in credit offset by CECL (1) Noninterest expense 592 33 38 reserve build associated with asset growth in the quarter Pre-tax income $336 $(36) $(39) – Credit trends within the portfolio remain strong as vintage U.S. Auto earning assets (EOP) $119,349 $1,861 $6,023 dynamics continue to drive improvement in losses Key Statistics – Consumer remains resilient; macroeconomic and geopolitical environment remain watch items Remarketing gains (losses) ($ millions) $(10) $0 $9 Average gain (loss) per vehicle $(663) $(27) $200 • Lease remarketing loss of $10 million reflects plug-in Off-lease vehicles terminated (# units) 15,162 (1,363) (6,781) hybrid electric vehicle residual pressure; in-line with expectations Application volume (# thousands) 4,412 602 6 07 – Updated depreciation rates expected to mitigate future losses Retail Auto Yield Trend Consumer Application & Origination Trend S-Tier Applications 44% 4.4M Origination 42% 42% 42% 41% Mix 4.0M 3.9M 3.8M +16% 3.8M YoY Estimated $11.7 $11.5 Originated 9.82% 9.80% 9.72% $11.0 9.62% $10.8 9.60% (2) Yield $10.2 Consumer 9.21% 9.27% 9.28% 9.32% 9.30% Hedge Originations Impact ($ billions) Portfolio YoY Yield 9.19% 9.21% 9.27% 9.27% 9.11% Originations ↑13% ex. hedge New Light Vehicle Sale (LVS) ↓5% 1Q 25 2Q 25 3Q 25 4Q 25 1Q 26 1Q 25 2Q 25 3Q 25 4Q 25 1Q 26 Retail Weighted Average FICO 714 710 708 706 703 10 See page 23 for footnotes.

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1Q 2026 Preliminary Results Insurance Increase / (Decrease) vs. Key Financials ($ millions) 1Q 26 4Q 25 1Q 25 • Insurance pre-tax income of $28 million and core pre- Premiums, service revenue earned and other income $363 $(6) $(5) (1) tax income of $87 million VSC losses 29 (3) (4) Weather losses 16 13 (42) – $363 million of earned premiums, down slightly YoY All other losses 76 - 6 Losses and loss adjustment expenses 121 10 (40) • Insurance losses of $121 million, down $40 million YoY (2) 229 5 (2) Acquisition and underwriting expenses Total underwriting income/(loss) 13 (21) 37 – Weather losses down $42 million YoY on historic weather in PY Investment income and other 15 (42) (11) Pre-tax income (loss) $28 $(63) $26 • Written premiums of $389 million, up 1% YoY (3) 59 60 44 Change in fair value of equity securities (1) $87 $(3) $70 Core pre-tax income (loss) – New dealer relationships and disciplined execution supports Total assets (EOP) $9,888 $(43) $399 written premium growth Key Statistics - Insurance Ratios 1Q 26 4Q 25 1Q 25 – Insurance complementary product offering enhances dealer Loss ratio 33.2% 30.0% 43.7% Underwriting expense ratio 63.0% 60.7% 62.8% value proposition, positioning Ally as a preferred lender Combined ratio 96.2% 90.7% 106.5% Written Premiums Insurance Losses ($ millions) ($ millions) $389 $385 $385 $384 $203 $349 $24 $108 $161 $130 P&C Premium $127 $134 $18 $81 $141 $20 $34 $121 $19 $111 $22 Other $20 $25 $31 $25 GAP $21 $91 $43 $20 $277 $268 F&I Premium $257 $259 $251 P&C non- $58 $30 weather $32 $22 $16 Weather $3 $35 $34 VSC $33 $32 $29 1Q 25 2Q 25 3Q 25 4Q 25 1Q 26 1Q 25 2Q 25 3Q 25 4Q 25 1Q 26 Note: F&I: Finance and insurance products and other. P&C: Property and casualty insurance products. (1) Non-GAAP financial measure. See pages 19 – 21 for definitions. 11 See page 23 for additional footnotes.

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1Q 2026 Preliminary Results Corporate Finance Increase / (Decrease) vs. • Corporate Finance pre-tax income of $94 million Key Financials ($ millions) 1Q 26 4Q 25 1Q 25 Net financing revenue $113 $2 $9 – Net financing revenue up QoQ and YoY driven by portfolio growth Other revenue 35 4 6 Total net revenue 148 6 15 – Favorable other revenue driven by an equity investment gain and Provision for credit losses 8 (3) (6) strong syndication income (2) 46 13 3 Noninterest expense Pre-tax income $94 $(4) $18 • Business continues to deliver strong returns; 1Q ROE of 26% (3) 0 0 (0) Change in fair value of equity securities (1) • Held-for-investment loans of $13.7 billion, up 6% QoQ Core pre-tax income $94 $(4) $18 Total assets (EOP) $1 3,803 $814 $2,801 – Well-diversified, high-quality, 100% first-lien, floating rate loans – Focus on responsible growth in a highly competitive marketplace Private Credit (Lender Finance) Snapshot • Disciplined credit and operational risk management $0 ~1,200 ~60% Historical Unique Obligors Advance Rate – No new non-performing loans in the quarter Losses – Criticized assets and non-accrual loans of 10% and 1%, respectively Lead agent & underwriter on virtually all deals; ongoing collateral assessment with loan-level revaluation rights HFI Balances by Lending Vertical $13.7B $10.9B Specialty 27% $10.1B $10.0B Finance 24% $8.0B 15% 17% Private 19% 46% Credit 48% 49% Finance 46% 39% Sponsor 27% 37% 42% 34% 30% Finance 1Q 22 1Q 23 1Q 24 1Q 25 1Q 26 (1) Non-GAAP financial measure. See pages 19 – 21 for definitions. 12 See page 23 for additional footnotes.

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1Q 2026 Preliminary Results 2026 Financial Outlook No change to financial guide 2025 Actuals 2026 Guidance Net Interest Margin 3.60% - 3.70% 3.47% (1) 3/31 fwd curve – no 2026 cuts (ex. OID) Adjusted Other $2,209M Flat - ↑ 5% YoY (1) Revenue Retail Auto NCO 1.97% 1.8% - 2.0% Consolidated NCO 1.28% 1.2% - 1.4% Adjusted Noninterest $5,041M↑ 1% (1) Expense Average Earning $180B↑ 2% - 4% Assets (2) Tax Rate 19% 20% - 22% (1) Non-GAAP financial measures. See pages 19 – 21 for definitions. 13 (2) Assumes statutory U.S. Federal tax rate of 21%.

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Supplemental

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1Q 2026 Preliminary Results Supplemental Results By Segment Results by Segment and GAAP to Core Pre-tax income Walk QUARTERLY TREND Increase/(Decrease) vs. ($ millions) 1Q 26 4Q 25 1Q 25 4Q 25 1Q 25 $336 $3 72 $375 $(36) $(39) Automotive Finance 28 91 2 (63) 26 Insurance $3 64 $463 $377 $(99) $(13) Dealer Financial Services 94 98 76 (4) 18 Corporate Finance (58) (175) (737) 117 679 Corporate and Other Pre-tax income (loss) $400 $3 86 $(284) $14 $6 84 (1) 18 17 16 1 3 Core OID (2) 59 (2) 13 60 46 Change in fair value of equity securities (3) (7) 59 503 (66) (510) Repositioning and other (1) $4 70 $4 61 $2 47 $9 $223 Core Pre-tax income Insurance - GAAP to Core Walk GAAP Pre-tax income (loss) $28 $91 $2 $(63) $26 (4) 59 (2) 15 60 44 Core Adjustments Core Pre-tax income (loss) $87 $89 $17 $(3) $70 Corporate Finance - GAAP to Core Walk GAAP Pre-tax income $94 $98 $76 $(4) $18 (4) 0 (0) 0 0 (0) Core Adjustments Core Pre-tax income (loss) $94 $98 $76 $(4) $18 Corporate & Other - GAAP to Core Walk $(58) $(175) $(737) $117 $679 GAAP Pre-tax income (loss) (4) 11 76 516 (65) (505) Core Adjustments Core Pre-tax income (loss) $(47) $(99) $(221) $52 $174 (1) Non-GAAP financial measure. See pages 19 – 21 for definitions. See page 24 for additional footnotes. 15

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1Q 2026 Preliminary Results Supplemental Corporate and Other Corporate & Other Results • Corporate and Other includes the impacts of Ally Invest, ($ millions) Increase/(Decrease) vs. Mortgage, and Credit Card in 1Q'25 Key Financials 1Q 26 4Q 25 1Q 25 – Credit Card sale closed on April 1, 2025 Net financing revenue $149 $8 $71 Total other revenue 31 26 4 58 • Pre-tax loss of $58 million and Core pre-tax loss of $47 (1) Total net revenue 180 34 5 29 million Provision for credit losses (9) (7) 2 48 – Other revenue up YoY, largely driven by securities 247 (76) (398) Noninterest expense repositioning transactions in PY Pre-tax income (loss) $(58) $117 $6 79 (1) 18 1 3 Core OID – Provision expense up YoY, largely driven by the sale of Credit (2) (7) (66) (510) Repositioning items Card and associated reserve release in PY (3) - - 2 Change in fair value of equity securities (1) Core pre-tax income (loss) $(47) $52 $174 – Noninterest expense down YoY, largely driven by the sale of Credit Card and associated goodwill impairment in PY Cash & securities $31,976 $(432) $(861) (4) 15,533 (264) (1,627) Held-for-investment loans, net • Total assets of $56 billion, down $5 billion YoY (5) - - (2,440) Assets of Operations, Held-for-sale (6) (854) (47) (50) Intercompany loan Retail CD Maturity Summary 9,311 (620) (224) Other (as of 3/31/2026) Total assets $55,966 $(1,363) $(5,202) Ally Financial Rating Details $10B LT Debt ST Debt Outlook $8B $8B $6B Fitch BBB- F3 Positive $5B Moody's Baa3 P-3 Stable S&P BBB- A-3 Stable 1Q 2026 2Q 2026 3Q 2026 4Q 2026 1Q 2027 DBRS BBB R-2 (high) Stable Maturity Weighted Average Rate Note: Ratings as of 3/31/2026. Our borrowing costs & access to the capital markets could be negatively impacted if our credit ratings are downgraded or otherwise fail to meet investor expectations or demands. 4.0% 3.9% 3.8% 3.8% 3.8% (1) Non-GAAP financial measure. See pages 19 – 21 for definitions. See page 24 for additional footnotes. 16

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1Q 2026 Preliminary Results Supplemental Funding and Liquidity Core funded with stable deposits and strong liquidity position Funding Composition Total Available Liquidity ($ billions) (End of Period) Secured Debt Cash and Cash Equivalents Unsecured Debt FHLB Unused Pledged Borrowing Capacity FHLB / Other FRB Discount Window Pledged Capacity Total Deposits Unencumbered Highly Liquid Securities $68.0 $66.8 $66.6 $66.1 $65.8 $9.5 $10.0 $9.5 $9.7 $8.9 $11.3 $9.5 $10.3 $9.1 $10.7 $26.9 $26.9 $27.0 $26.9 $26.9 89% 88% 88% 87% 88% $20.3 $20.3 $20.4 $19.9 $19.2 1Q 25 2Q 25 3Q 25 4Q 25 1Q 26 1Q 25 2Q 25 3Q 25 4Q 25 1Q 26 (1) Loan to Deposit Ratio Available Liquidity vs. Uninsured Deposits 95% 96% 97% 97% 97% 5.7x 5.9x 5.8x 5.6x 5.4x (1) Total loans and leases divided by total deposits. 17

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1Q 2026 Preliminary Results Supplemental Interest Rate Risk (1) Net Financing Revenue Sensitivity Analysis ($ millions) 1Q 26 4Q 25 (2) (2) Gradual Instantaneous Gradual Instantaneous -100 bp $(11) $44 $(20) $22 +100 bp $3 $(114) $9 $(106) (1) Net financing revenue impacts reflect a rolling 12-month view. See page 22 for additional details. (2) Gradual changes in interest rates are recognized over 12 months. Effective Hedge Notional (average) Fair Value Hedging on Fixed-Rate Consumer Auto Loans 1Q 26 2Q 26 3Q 26 4Q 26 1Q 27 2Q 27 3Q 27 4Q 27 1Q 28 Effective Hedge Average Notional Outstanding $10B $10B $8B $7B $6B $3B - - - Average Pay Fixed Rates 3.5% 3.5% 3.5% 3.4% 3.4% 3.3% - - - Fair Value Hedging on Fixed-Rate Investment Securities 1Q 26 2Q 26 3Q 26 4Q 26 1Q 27 2Q 27 3Q 27 4Q 27 1Q 28 Effective Hedge Average Notional Outstanding $10B $12B $12B $12B $11B $11B $10B $10B $8B Average Pay-Fixed Rates 3.7% 3.6% 3.6% 3.6% 3.6% 3.6% 3.6% 3.6% 3.6% Note: Pay-Fixed rates are expressed as day and balance-weighted averages. 18

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1Q 2026 Preliminary Results Supplemental Notes on Non-GAAP Financial Measures 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: Accelerated issuance expense (Accelerated OID), Adjusted earnings per share (Adjusted EPS), Adjusted efficiency ratio, Adjusted noninterest expense, Adjusted other revenue, Adjusted provision for Credit Losses, Adjusted tangible book value per share (Adjusted TBVPS), Adjusted total net revenue, Core net income attributable to common shareholders, Core original issue discount (Core OID) amortization expense, Core outstanding original issue discount balance (Core OID balance), Core pre-tax income, Core return on tangible common equity (Core ROTCE), Investment income and other (adjusted), Net financing revenue (excluding Core OID), Net interest margin (excluding Core OID), and Adjusted Tangible Common Equity. These measures are used by management, and we believe are useful to investors in assessing the company's operating performance and capital. For calculation methodology, refer to the Reconciliation to GAAP later in this document. 1) Accelerated issuance expense (Accelerated OID) is the recognition of issuance expenses related to calls of redeemable debt. 2) 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 25 for calculation methodology and details. 3) 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. See page 28 for calculation details. (1) 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, restructuring and significant other one-time items, as applicable for respective periods. (2) In the denominator, total net revenue is adjusted for Core OID, Insurance segment revenue, and repositioning and other which are primarily related to the extinguishment of high-cost legacy debt, strategic activities, restructuring and significant other one-time items, as applicable for respective periods. See page 11 for the combined ratio for the Insurance segment which management uses as a primary measure of underwriting profitability for the Insurance segment. 4) 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. See page 29 for calculation methodology and details. 5) 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 to better understand the business' ability to generate other revenue. See page 29 for calculation methodology and details. 6) 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' expenses excluding nonrecurring items. See page 29 for calculation methodology and details. 19

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1Q 2026 Preliminary Results Supplemental Notes on Non-GAAP Financial Measures 7) 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. Note: In December 2017, tax-effected Core OID balance was adjusted from a statutory U.S. Federal tax rate of 35% to 21% ("rate") as a result of changes to U.S. tax law. The adjustment conservatively increased the tax-effected Core OID balance and consequently reduced Adjusted TBVPS as any acceleration of the non-cash charge in future periods would flow through the financial statements at a 21% rate versus a previously modeled 35% rate. See page 27 for calculation methodology and details. 8) 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. See page 29 for calculation methodology and details. 9) 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 one-time items, 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 pages 25 – 26 for calculation methodology and details. 10) 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. Core OID for all periods shown is applied to the pre-tax income of the Corporate and Other segment. See page 29 for calculation methodology and details. 11) 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 29 for calculation methodology and details. 12) 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 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 page 15 for calculation methodology and details. 20

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1Q 2026 Preliminary Results Supplemental Notes on Non-GAAP Financial Measures 13) 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. For purposes of this calculation, tangible common equity is adjusted for tax- effected Core OID balance. 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. See page 26 for calculation details. (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. 14) Investment income and other (adjusted) is a non-GAAP financial measure that adjusts GAAP investment income and other for repositioning, and the change in fair value of equity securities. Management believes investment income and other (adjusted) is a helpful financial metric because it enables the reader to better understand the business' ability to generate investment income. 15) 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. See page 29 for calculation methodology and details. 16) 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. See page 7 for calculation methodology and details. 17) Adjusted 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 tax-effected Core OID balance. See page 26 for calculation methodology and details. 21

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1Q 2026 Preliminary Results Supplemental Notes on Other Financial Measures 1) 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. 2) 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. 3) Interest rate risk modeling – We prepare our forward-looking baseline forecasts of net financing revenue taking into consideration anticipated future business growth, asset/liability positioning, and interest rates based on the implied forward curve. The analysis is highly dependent upon a variety of assumptions including the repricing characteristics of retail deposits with both contractual and non-contractual maturities. We continually monitor industry and competitive repricing activity along with other market factors when contemplating deposit pricing actions. Please see our SEC filings for more details. 4) Net charge-off ratios are calculated as annualized net charge-offs divided by average outstanding finance receivables and loans excluding loans measured at fair value and loans held-for-sale. 5) Repositioning is primarily related to the extinguishment of high-cost legacy debt, strategic activities, restructuring, amounts related to nonrecurring business transactions or pending transactions, and significant other one-time items. 6) U.S. consumer auto originations New Retail – standard and subvented rate new vehicle loans; Lease – new vehicle lease originations; Used – used vehicle loans Nonprime – originations with a FICO® score of less than 620 22

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1Q 2026 Preliminary Results Supplemental Additional Notes Page – 5 \| Market Leading Franchises (1) Estimated Retail Auto Originated Yield is a forward-looking financial measure. See page 22 for details. (2) Gross Revenue Yield expressed as gross interest income plus other revenue divided by average earning assets. (3) FDIC insured percentage excludes affiliate and intercompany deposits. Page – 7 \| Balance Sheet and Net Interest Margin (1) Mortgage loans in run-off at the Corporate and Other segment. (2) Credit card assets moved to assets of operations held-for-sale (HFS) on 3/31/25; sale of Credit Card closed 4/1/25. (3) Includes interest expense related to margin received on derivative contracts. Excluding this expense, annualized yields were 3.61% for 1Q'26, 3.88% for 4Q'25, and 4.37% for 1Q'25. (4) Includes Community Reinvestment Act and other held-for-sale (HFS) loans. (5) Includes retail, brokered, and other deposits (inclusive of sweep deposits, mortgage escrow, and other deposits). (6) Includes FHLB borrowings and Repurchase Agreements. (7) Calculated using a Non-GAAP financial measure. See pages 19 – 21 for definitions. Page – 10 \| Auto Finance (1) Noninterest expense includes corporate allocations of $203 million in 1Q 2026, $193 million in 4Q 2025, and $180 million in 1Q 2025. (2) Estimated Retail Auto Originated Yield is a forward-looking financial measure. See page 22 for details. Page – 11 \| Insurance (2) Acquisition and underwriting expenses includes corporate allocations of $24 million in 1Q 2026, $21 million in 4Q 2025, and $21 million in 1Q 2025. (3) Change in fair value of equity securities impacts the Insurance segment. 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. Page – 12 \| Corporate Finance (2) Noninterest expense includes corporate allocations of $17 million in 1Q 2026, $11 million in 4Q 2025, and $15 million in 1Q 2025. (3) Change in fair value of equity securities impacts the Corporate Finance segment. 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. 23

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1Q 2026 Preliminary Results Supplemental Additional Notes Page – 15 \| Results by Segment (2) 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. (3) Repositioning and other are primarily related to the extinguishment of high-cost legacy debt, strategic activities, restructuring, and significant other one-time items, as applicable for respective periods or businesses. (4) Includes adjustments for non-GAAP measures Core OID expense, change in fair value of equity securities, and repositioning. Page – 16 \| Corporate and Other (2) Repositioning and other are primarily related to the extinguishment of high-cost legacy debt, strategic activities, restructuring, and significant other one-time items, as applicable for respective periods or businesses. (3) Change in fair value of equity securities impacts the 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. (4) HFI consumer mortgage portfolio in all periods and Ally credit card portfolio in 1Q 2025. (5) Amounts related to Credit Card; sale of Credit Card closed on 4/1/2025. (6) Intercompany loan related to activity between Insurance and Corporate. 24

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1Q 2026 Preliminary Results Supplemental GAAP to Core: Adjusted EPS Adjusted Earnings per Share (Adjusted EPS) QUARTERLY TREND 1Q 26 4Q 25 3Q 25 2Q 25 1Q 25 Numerator ($ millions) GAAP net income (loss) attributable to common shareholders $291 $300 $371 $324 $(253) Discontinued operations, net of tax - - - - - Core OID 18 17 17 16 16 Repositioning Items (7) 59 - - 503 Change in fair value of equity securities 59 (2) (27) (35) 13 Tax-effected Core OID, Repo & changes in fair value of equity securities (15) (16) 2 4 (99) (assumes 21% tax rate) Significant discrete tax items - (18) - - - Core net income attributable to common shareholders [a] $346 $3 41 $3 63 $309 $179 Denominator [b] Weighted-average common shares outstanding - (basic or diluted as applicable, thousands) 313,219 314,264 3 13,823 312,434 3 09,006 Metric GAAP EPS $0.93 $0.95 $1.18 $1.04 $(0.82) Discontinued operations, net of tax 0.00 - - - - Core OID 0.06 0.06 0.05 0.05 0.05 Change in fair value of equity securities 0.19 (0.00) (0.09) (0.11) 0.04 Repositioning Items (0.02) 0.19 - - 1.63 Tax on Core OID, Repo & change in fair value of equity securities (0.05) (0.05) 0.01 0.01 (0.32) (assumes 21% tax rate) Significant discrete tax items - (0.06) - - - Adjusted EPS [a] / [b] $1.11 $1.09 $1.15 $0.99 $0 .58 25

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1Q 2026 Preliminary Results Supplemental GAAP to Core: Core ROTCE Core Return on Tangible Common Equity (Core ROTCE) QUARTERLY TREND 1Q 26 4Q 25 3Q 25 2Q 25 1Q 25 Numerator ($ millions) GAAP net income (loss) attributable to common shareholders $2 91 $300 $371 $324 $(253) Discontinued operations, net of tax - - - - - Core OID 18 17 17 16 16 Repositioning Items (7) 59 - - 503 Change in fair value of equity securities 59 (2) (27) (35) 13 Tax on Core OID, Repo & change in fair value of equity securities (15) (16) 2 4 (99) (assumes 21% tax rate) Significant discrete tax items & other - (18) - - - Core net income attributable to common shareholders [a] $346 $341 $363 $309 $179 Denominator (Average, $ billions) GAAP shareholders' equity $15.6 $15.3 $1 4.8 $1 4.4 $14.1 less: Preferred equity (2.3) (2.3) (2.3) (2.3) (2.3) GAAP common shareholders' equity $13.2 $13.0 $12.5 $12.1 $11.7 Goodwill & identifiable intangibles, net of deferred tax liabilities (DTLs) (0.2) (0.2) (0.2) (0.2) (0.4) Tangible common equity $13.0 $12.8 $12.3 $11.8 $11.3 Tax-effected Core OID balance (0.5) (0.5) (0.6) (0.6) (0.6) (assumes 21% tax rate) per share Adjusted Tangible Common Equity [b] $12.5 $12.3 $11.8 $11.3 $10.7 Core Return on Tangible Common Equity [a] / [b] 11.1% 11.1% 12.3% 11.0% 6.7% 26

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1Q 2026 Preliminary Results Supplemental GAAP to Core: Adjusted TBVPS Adjusted Tangible Book Value per Share (Adjusted TBVPS) QUARTERLY TREND 1Q 26 4Q 25 3Q 25 2Q 25 1Q 25 Numerator ($ billions) GAAP shareholders' equity $15.6 $15.5 $15.1 $14.5 $14.2 less: Preferred equity (2.3) (2.3) (2.3) (2.3) (2.3) GAAP common shareholders' equity $13.3 $1 3.2 $12.8 $1 2.2 $1 1.9 Goodwill and identifiable intangibles, net of DTLs (0.2) (0.2) (0.2) (0.2) (0.3) Tangible common equity 13.1 13.0 12.6 12.0 11.6 Tax-effected Core OID balance (0.5) (0.5) (0.5) (0.6) (0.6) (assumes 21% tax rate) Adjusted tangible book value [a] $12.6 $12.5 $12.1 $11.5 $11.0 Denominator Issued shares outstanding (period-end, thousands) [b] 307,408 308,493 307,828 307,787 3 07,152 Metric GAAP shareholders' equity per share $50.8 $50.2 $49.1 $4 7.3 $46.3 less: Preferred equity per share (7.6) (7.5) (7.5) (7.6) (7.6) GAAP common shareholders' equity per share $43.2 $4 2.7 $41.6 $39.7 $38.8 Goodwill and identifiable intangibles, net of DTLs per share (0.6) (0.6) (0.6) (0.6) (1.0) Tangible common equity per share 42.6 42.1 41.0 39.1 3 7.8 Tax-effected Core OID balance (1.7) (1.7) (1.8) (1.8) (1.9) (assumes 21% tax rate) per share Adjusted tangible book value per share [a] / [b] $40.9 $4 0.4 $39.2 $37.3 $36.0 27

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1Q 2026 Preliminary Results Supplemental GAAP to Core: Adjusted Efficiency Ratio Adjusted Efficiency Ratio QUARTERLY TREND 1Q 26 4Q 25 3Q 25 2Q 25 1Q 25 Numerator ($ millions) GAAP noninterest expense $1,235 $1,250 $1 ,240 $1,262 $1,634 Insurance expense (350) (335) (374) (424) (392) Repositioning items - (31) - - (314) Adjusted noninterest expense for efficiency ratio [a] $885 $884 $8 66 $838 $928 Denominator ($ millions) Total net revenue $2 ,102 $2 ,123 $2,168 $2 ,082 $1,541 Core OID 18 17 17 16 16 Repositioning items 0 27 - - 4 95 Insurance revenue (378) (426) (453) (452) (394) Adjusted net revenue for the efficiency ratio [b] $1,742 $1,741 $1 ,732 $1,646 $1,658 Adjusted Efficiency Ratio [a] / [b] 50.8% 50.8% 50.0% 50.9% 56.0% 28

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1Q 2026 Preliminary Results Supplemental Non-GAAP Reconciliations ($ millions) QUARTERLY TREND Net Financing Revenue (ex. Core OID) 1Q 26 4Q 25 3Q 25 2Q 25 1Q 25 GAAP Net Financing Revenue $1 ,589 $1,598 $1,584 $1,516 $1,478 Core OID 18 17 17 16 16 Net Financing Revenue (ex. Core OID) [a] $1,607 $1,615 $1 ,601 $1,532 $1,494 Adjusted Other Revenue GAAP Other Revenue $513 $525 $584 $566 $63 Accelerated OID & repositioning items 0 27 - - 495 Change in fair value of equity securities 59 (2) (27) (35) 13 Adjusted Other Revenue [b] $572 $550 $557 $531 $571 Adjusted Total Net Revenue Adjusted Total Net Revenue [a]+[b] $2,179 $2,165 $2,157 $2 ,064 $2,065 Adjusted Provision for Credit Losses GAAP Provision for Credit Losses $467 $4 87 $415 $384 $1 91 Repositioning 7 (1) - - 306 Adjusted Provision for Credit Losses $474 $486 $415 $384 $4 97 Adjusted Noninterest Expense GAAP Noninterest Expense $1,235 $1,250 $1,240 $1,262 $1,634 Repositioning - (31) - - (314) Adjusted Noninterest Expense $1,235 $1,219 $1,240 $1,262 $1,320 Original issue discount amortization expense GAAP original issue discount amortization expense $19 $19 $19 $18 $18 Other OID (1) (2) (2) (2) (3) Core original issue discount (Core OID) amortization expense $18 $17 $17 $16 $16 Outstanding original issue discount balance GAAP outstanding original issue discount balance $(670) $(689) $(708) $(727) $(745) Other outstanding OID balance 17 18 20 22 24 Core outstanding original issue discount balance (Core OID balance) $(653) $(671) $(688) $(705) $(721) Note: 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. 29

## Exhibit 99.3

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Exhibit 99.3 FIRST QUARTER 2026 FINANCIAL SUPPLEMENT

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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. This presentation also includes forward-looking non-GAAP financial measures, such as outlooks for Net Interest Margin (ex. OID), Adjusted Other Revenue and Adjusted Noninterest Expense. We are unable to provide a reconciliation of these forward-looking non-GAAP financial measures to their most directly comparable GAAP financial measures because we are unable to provide, without unreasonable effort, a meaningful or accurate calculation or estimation of amounts that would be necessary for the reconciliation due to the inherent difficulty in forecasting and quantifying the occurrence and financial impact of various items that have not yet occurred, are out of our control or cannot be reasonably predicted. Forward-looking non-GAAP financial measures may vary materially from the corresponding GAAP financial measures. 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. 2

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ALLY FINANCIAL INC. **TABLE OF CONTENTS** Page(s) Consolidated Results Consolidated Financial Highlights 4 Consolidated Income Statement 5 Consolidated Period-End Balance Sheet 6 Consolidated Average Balance Sheet 7 Segment Detail Segment Highlights 8 Automotive Finance 9-10 Insurance 11 Corporate Finance 12 Corporate and Other 13 Credit Related Information 14-15 Supplemental Detail Capital 16 Liquidity and Deposits 17 Net Interest Margin 18 Earnings Per Share Related Information 19 Adjusted Tangible Book Per Share Related Information 20 Core ROTCE Related Information 21 Adjusted Efficiency Ratio Related Information 22 3

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ALLY FINANCIAL INC. CONSOLIDATED FINANCIAL HIGHLIGHTS ($ in millions, shares in thousands) QUARTERLY TRENDS CHANGE VS. Selected Income Statement Data 1Q 26 4Q 25 3Q 25 2Q 25 1Q 25 4Q 25 1Q 25 Net financing revenue $1,589 $1,598 $1,584 $1,516 $1,478 $(9) $111 (1) Core OID 18 17 17 16 16 1 3 (1) Net financing revenue (excluding Core OID) 1,607 1,615 1,601 1,532 1,494 (8) 114 Other revenue 513 525 584 566 63 (12) 450 (2) Repositioning 0 27 — — 495 (26) (495) (2) Change in fair value of equity securities 59 (2) (27) (35) 13 60 46 (1) Adjusted other revenue 572 550 557 531 571 22 1 Provision for credit losses 467 487 415 384 191 (20) 276 (2) Repositioning 7 (1) — — 306 8 (299) (1) Adjusted provision for credit losses 474 486 415 384 497 (12) (23) (3) Total noninterest expense 1,235 1,250 1,240 1,262 1,634 (15) (399) (2) Repositioning — (31) — — (314) 31 314 (1) Noninterest expense (ex. repositioning) 1,235 1,219 1,240 1,262 1,320 16 (85) Pre-tax income (loss) from continuing operations 400 386 513 436 (284) 14 684 Income tax expense (benefit) 81 59 115 84 (59) 22 140 Net Income (Loss) 319 327 398 352 (225) (8) 544 Preferred Dividends 28 27 27 28 28 1 — Net income (loss) attributable to common shareholders $291 $300 $371 $324 $(253) $(9) $544 Selected Balance Sheet Data (Period-End) Total assets $197,269 $196,002 $191,711 $189,473 $193,331 $1,267 $3,938 Consumer loans 101,973 101,140 101,247 100,953 100,831 833 1,142 Commercial loans 37,917 36,314 33,320 32,276 32,654 1,603 5,263 Allowance for loan losses (3,540) (3,490) (3,460) (3,416) (3,398) (50) (142) Deposits 153,152 151,649 148,410 147,866 151,428 1,503 1,724 Total equity 15,609 15,498 15,117 14,547 14,232 111 1,377 Common Share Count (4) Weighted average basic 310,992 310,792 310,342 309,895 309,006 200 1,985 (4) Weighted average diluted 313,219 314,264 313,823 312,434 309,006 (1,045) 4,213 Issued shares outstanding (period-end) 307,408 308,493 307,828 307,787 307,152 (1,085) 255 Per Common Share Data (4) Earnings per share (basic) $0.94 $0.97 $1.19 $1.05 $(0.82) $(0.03) $1.75 (4) Earnings per share (diluted) 0.93 0.95 1.18 1.04 (0.82) (0.03) 1.75 (1) Adjusted earnings per share 1.11 1.09 1.15 0.99 0.58 0.02 0.52 Book value per share 43.22 42.70 41.56 39.71 38.77 0.51 4.45 Tangible book value per share 42.61 42.10 40.95 39.10 37.81 0.51 4.80 (1) Adjusted tangible book value per share 40.93 40.38 39.19 37.30 35.95 0.55 4.98 Select Financial Ratios Net interest margin 3.48% 3 .48% 3 .51 % 3.41% 3 .31% (1) Net interest margin (ex. Core OID) 3 .52% 3 .51 % 3.55 % 3 .45% 3.35% Cost of funds 3 .60 % 3.69% 3.80 % 3 .88% 4 .05 % (1) Cost of funds (ex. Core OID) 3.55 % 3.63 % 3 .74 % 3.82% 3.99 % Efficiency Ratio 5 8.8 % 5 8.9 % 5 7.2 % 60.6% 106.0 % (1) Adjusted efficiency ratio 5 0.8% 5 0.8 % 50.0% 5 0.9% 5 6.0 % Return on average assets 0 .6% 0.6 % 0.8% 0.7 % (0.5) % Return on average total equity 7 .5 % 7.8 % 1 0.0 % 9.0 % (7.2)% Return on average tangible common equity 8 .9% 9.4 % 12.0 % 11.0% (9.0)% (1) Core ROTCE 11.1 % 1 1.1% 1 2.3 % 1 1.0 % 6.7 % Capital Ratios Common Equity Tier 1 (CET1) capital ratio 1 0.1% 1 0.2 % 1 0.1 % 9.9 % 9.5 % Tier 1 capital ratio 1 1.5 % 11.7% 1 1.6% 1 1.4 % 11.0 % Total capital ratio 1 3.4% 13.6 % 1 3.4% 1 3.2 % 1 2.8 % Tier 1 leverage ratio 9.2 % 9 .2% 9.2 % 9.1 % 8.7 % (1) Represents a non-GAAP financial measure. For more details refer to pages 19-24. (2) For more details refer to pages 23-24. (3) Including but not limited to employee related expenses, commissions and provision for losses and loss adjustment expense related to the insurance business, information technology expenses, servicing expenses, facilities expenses, marketing expenses, and other professional and legal expenses. (4) Due to the antidilutive effect of the net loss attributable to common shareholders for the first quarter 2025, basic weighted average common shares outstanding were used to calculate diluted earnings per share. Note: Numbers may not foot due to rounding. 4

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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 9 7 6 6 5 2 4 Total interest and dividends on investment securities 223 234 241 239 221 (11) 2 Interest-bearing cash 81 88 92 95 98 (7) (17) Other earning assets 11 10 9 9 9 1 2 Operating leases 392 387 365 352 351 5 41 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 19 18 11 5 1 1 18 Interest on long-term debt 265 274 265 258 271 (9) (6) Interest on other — 2 — 1 — (2) — 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 12 28 Net financing revenue $1,589 $1,598 $1,584 $1,516 $1,478 $(9) $111 Other revenue Insurance premiums and service revenue earned 360 366 361 359 364 (6) (4) Gain / (loss) on mortgage and automotive loans, net (3) (29) (3) (4) 1 26 (4) Other gain / (loss) on investments, net (21) 21 56 61 (499) (42) 478 Other income, net of losses 177 167 170 150 197 10 (20) Total other revenue 513 525 584 566 63 (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 16 (14) Insurance losses and loss adjustment expenses 121 111 141 203 161 10 (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) $14 $684 Income tax (benefit) / expense from continuing operations 81 59 115 84 (59) 22 140 Net income (loss) from continuing operations 319 327 398 352 (225) (8) 544 Loss from discontinued operations, net of tax — — — — — — — Net income (loss) $319 $327 $398 $352 $(225) $(8) $544 Preferred Dividends 28 27 27 28 28 1 — Net income (loss) available to common shareholders $291 $300 $371 $324 $(253) $(9) $544 Core pre-tax Income walk Net financing revenue $1,589 $1,598 $1,584 $1,516 $1,478 $(9) $111 Other revenue 513 525 584 566 63 (12) 450 Provision for credit losses 467 487 415 384 191 (20) 276 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) $14 $684 (1) Core OID 18 17 17 16 16 1 3 (2) Change in the fair value of equity securities 59 (2) (27) (35) 13 60 46 (2) Repositioning (7) 59 — — 503 (66) (510) (1) Core pre-tax income $470 $461 $502 $418 $247 $9 $223 (1) Represents a non-GAAP financial measure. For more details refer to pages 19-24. (2) For more details refer to pages 23-24. Note: Numbers may not foot due to rounding. 5

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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) (1) Investment securities 28,238 28,220 27,982 27,896 27,956 18 282 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) 11 Other assets 11,310 11,623 10,695 10,102 11,545 (313) (235) (2) Assets of operations held-for-sale — — — — 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 $12 $4 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 9 102 Accrued expense and other liabilities 2,516 2,705 2,811 2,789 3,315 (189) (799) Liabilities of operations held-for-sale — — — — 35 — (35) Total liabilities $181,660 $180,504 $176,594 $174,926 $179,099 $1,156 $2,561 Equity (3) Common stock and paid-in capital $15,231 $15,327 $15,310 $15,291 $15,248 $(96) $(17) Preferred stock 2,324 2,324 2,324 2,324 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) 13 489 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. 6

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ALLY FINANCIAL INC. (1) CONSOLIDATED AVERAGE BALANCE SHEET ($ 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 (2) (5) Total finance receivables and loans, net 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 52 850 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 20 7 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 (3) Other interest-bearing deposit liabilities 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 (4) Long-term debt 17,049 17,249 16,375 16,129 17,245 (200) (196) (4) Total interest-bearing liabilities 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. 7

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ALLY FINANCIAL INC. SEGMENT HIGHLIGHTS QUARTERLY TRENDS CHANGE VS. ($ in millions) Pre-tax Income / (Loss) 1Q 26 4Q 25 3Q 25 2Q 25 1Q 25 4Q 25 1Q 25 Automotive Finance $336 $372 $421 $472 $375 $(36) $(39) Insurance 28 91 79 28 2 (63) 26 Dealer Financial Services 364 463 500 500 377 (99) (13) Corporate Finance 94 98 95 96 76 (4) 18 (1) Corporate and Other (58) (175) (82) (160) (737) 117 679 Pre-tax income (loss) from continuing operations $400 $386 $513 $436 $(284) $14 $684 (2) (3) Core OID 18 17 17 16 16 1 3 (4) Change in the fair value of equity securities 59 (2) (27) (35) 13 60 46 (4) Repositioning and other (7) 59 — — 503 (66) (510) (3) Core pre-tax income $470 $461 $502 $418 $247 $9 $223 (1) Corporate and Other includes the impact of centralized asset and liability management, corporate overhead allocation activities, consumer mortgage portfolio, Ally Invest activity, and the credit card portfolio. The sale of Credit Card closed on 04/01/25. (2) Core OID for all periods shown are applied to the pre-tax income of the Corporate and Other segment. (3) Represents a non-GAAP measure. For more details refer to pages 19-24. (4) For more details refer to pages 23-24. Note: Numbers may not foot due to rounding. 8

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ALLY FINANCIAL INC. AUTOMOTIVE FINANCE - CONDENSED FINANCIAL STATEMENTS ($ in millions) QUARTERLY TRENDS CHANGE VS. Income Statement 1Q 26 4Q 25 3Q 25 2Q 25 1Q 25 4Q 25 1Q 25 Net financing revenue Consumer $1,960 $1,980 $1,961 $1,918 $1,878 $(20) $82 Commercial 332 341 338 329 341 (9) (9) Loans held-for-sale 3 3 2 4 1 — 2 Operating leases 392 387 365 352 351 5 41 Total financing revenue and other interest income 2,687 2,711 2,666 2,603 2,571 (24) 116 Interest expense 1,128 1,145 1,128 1,093 1,065 (17) 63 Depreciation expense on operating lease assets: Depreciation expense on operating lease assets (ex. remarketing) 258 246 227 216 221 12 37 Remarketing (gains) loss, net of repo valuation 10 11 (1) — 19 0 (9) Total depreciation expense on operating lease assets 268 256 225 216 240 12 28 Net financing revenue 1,291 1,310 1,313 1,294 1,266 (19) 25 Other revenue Total other revenue 105 99 96 97 97 6 8 Total net revenue 1,396 1,409 1,409 1,391 1,363 (13) 33 Provision for credit losses 468 478 410 387 434 (10) 34 Noninterest expense Compensation and benefits 191 172 172 166 183 19 8 Other operating expenses 401 387 406 366 371 14 30 Total noninterest expense 592 559 578 532 554 33 38 Pre-tax Income $336 $372 $421 $472 $375 $(36) $(39) Memo: Net lease revenue Operating lease revenue $392 $387 $365 $352 $351 $5 $41 Depreciation expense on operating lease assets (ex. remarketing) 258 246 227 216 221 12 37 Remarketing (gains) loss, net of repo valuation 10 11 (1) — 19 0 (9) Total depreciation expense on operating lease assets 268 256 225 216 240 12 28 Net lease revenue $124 $131 $140 $136 $111 $(7) $13 Balance Sheet (Period-End) Loans held-for-sale, net $27 $12 $15 $15 $13 $15 $14 Consumer loans 86,685 85,561 84,994 84,371 83,887 1,124 2,798 Commercial loans 23,938 23,143 21,784 21,066 21,547 795 2,391 Allowance for loan losses (3,300) (3,256) (3,233) (3,221) (3,200) (44) (100) Total finance receivables and loans, net 107,323 105,448 103,545 102,216 102,234 1,875 5,089 Investment in operating leases, net 8,699 8,772 8,599 7,992 7,879 (73) 820 Other assets 1,563 1,521 1,567 1,486 1,546 42 17 Total assets $117,612 $115,753 $113,726 $111,709 $111,672 $1,859 $5,940 Note: Numbers may not foot due to rounding. 9

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ALLY FINANCIAL INC. AUTOMOTIVE FINANCE - KEY STATISTICS QUARTERLY TRENDS CHANGE VS. 1Q 26 4Q 25 3Q 25 2Q 25 1Q 25 4Q 25 1Q 25 (1) U.S. Consumer Originations ($ in billions) Retail standard - new vehicle GM $1.2 $1.3 $1.2 $1.1 $1.1 $(0.1) $0.1 Retail standard - new vehicle Stellantis 0.6 0.6 0.6 0.6 0.6 0.0 0.0 Retail standard - new vehicle Other 1.4 1.3 1.3 1.4 1.2 0.1 0.2 Used vehicle 7.5 6.7 7.0 6.7 6.4 0.8 1.2 Lease 0.7 0.9 1.5 1.1 0.9 (0.2) (0.2) Total originations $11.5 $10.8 $11.7 $11.0 $10.2 $0.7 $1.3 U.S. Consumer Originations - FICO Score Super prime (760-999) $3.0 $2.9 $3.3 $3.2 $3.0 $0.1 $(0.1) High prime (720-759) 1.5 1.5 1.7 1.6 1.5 0.1 0.1 Prime (660-719) 2.9 2.7 3.1 2.9 2.7 0.2 0.2 Prime/Near (620-659) 2.0 1.8 1.9 1.8 1.6 0.1 0.3 Non-Prime (540-619) 1.1 1.0 0.9 0.8 0.7 0.2 0.5 Sub-Prime (0-539) 0.2 0.2 0.2 0.1 0.1 0.0 0.2 No FICO (Primarily CSG) 0.8 0.8 0.7 0.6 0.6 0.0 0.2 Total originations $11.5 $10.8 $11.7 $11.0 $10.2 $0.7 $1.3 U.S. Consumer Retail Originations - Average FICO New vehicle 725 726 725 726 728 (2) (3) Used vehicle 696 697 702 703 708 (1) (13) Total retail originations 703 706 708 710 714 (2) (11) U.S. Market New light vehicle sales (SAAR - units in millions) 15.6 15.7 16.6 16.2 16.4 (0.1) (0.8) New light vehicle sales (quarterly - units in millions) 3.7 4.0 4.1 4.2 3.9 (0.3) (0.2) Dealer Engagement (2) Total Active DFS Dealers 21,403 21,370 21,548 21,687 21,665 33 (262) Total Application Volume (000s) 4,412 3,811 3,992 3,877 3,805 602 607 Ally U.S. Commercial Outstandings EOP ($ in billions) Floorplan outstandings $16.1 $15.9 $15.4 $14.7 $15.1 $0.1 $0.9 Dealer loans and other 7.9 7.2 6.4 6.4 6.4 0.7 1.5 Total Commercial outstandings $23.9 $23.1 $21.8 $21.1 $21.5 $0.8 $2.4 U.S. Off-Lease Remarketing Off-lease vehicles terminated - on-balance sheet (# in units) 15,162 16,525 21,608 26,302 21,943 (1,363) (6,781) Average gain (loss) per vehicle $(663) $(635) $53 $14 $(863) $(27) $200 Total gain (loss) ($ in millions) $(10) $(11) $1 $— $(19) $0 $9 (1) Some standard rate loan originations contain manufacturer sponsored cash back rebate incentives. Some lease originations contain rate subvention. While Ally may jointly develop marketing programs for these originations, Ally does not have exclusive rights to such originations under operating agreements with manufacturers. (2) A dealer is considered to have an active relationship with us if we provided automotive financing, remarketing, or insurance services during the three months ended March 31, 2026. Note: Numbers may not foot due to rounding. 10

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ALLY FINANCIAL INC. INSURANCE - CONDENSED FINANCIAL STATEMENTS AND KEY STATISTICS ($ in millions) QUARTERLY TRENDS CHANGE VS. Income Statement (GAAP View) 1Q 26 4Q 25 3Q 25 2Q 25 1Q 25 4Q 25 1Q 25 Net financing revenue (1) Total interest and fees on finance receivables and loans $6 $5 $5 $4 $5 $1 $1 Interest and dividends on investment securities 38 40 39 36 34 (2) 4 Interest bearing cash 5 5 5 5 5 — — Total financing revenue and other interest revenue 49 50 49 45 44 (1) 5 Interest expense 13 14 16 15 14 (1) (1) Net financing revenue 36 36 33 30 30 — 6 Other revenue Insurance premiums and service revenue earned 360 366 361 359 364 (6) (4) Other gain / (loss) on investments, net (21) 21 56 59 (4) (42) (17) Other income, net of losses 3 3 3 4 4 — (1) Total other revenue 342 390 420 422 364 (48) (22) Total net revenue 378 426 453 452 394 (48) (16) Noninterest expense Compensation and benefits expense 32 28 29 26 30 4 2 Insurance losses and loss adjustment expenses 121 111 141 203 161 10 (40) Other operating expenses 197 196 204 195 201 1 (4) Total noninterest expense 350 335 374 424 392 15 (42) Pre-tax income (loss) $28 $91 $79 $28 $2 $(63) $26 Memo: Income Statement (Managerial View) Insurance premiums and other income Insurance premiums and service revenue earned $360 $366 $361 $359 $364 $(6) $(4) (2) Investment income and other (adjusted) 74 55 62 59 41 18 33 Other income 3 3 3 4 4 — (1) Total insurance premiums and other income 437 424 426 422 409 12 28 Expense Insurance losses and loss adjustment expenses 121 111 141 203 161 10 (40) Acquisition and underwriting expenses Compensation and benefit expense 32 28 29 26 30 4 2 Insurance commission expense 152 155 158 155 162 (3) (10) Other expense 45 41 46 40 39 4 6 Total acquisition and underwriting expense 229 224 233 221 231 5 (2) Total expense 350 335 374 424 392 15 (42) (2) Core pre-tax (loss) / income 87 89 52 (2) 17 (3) 70 (3) Change in the fair value of equity securities (59) 2 27 30 (15) (60) (44) Income (loss) before income tax expense $28 $91 $79 $28 $2 $(63) $26 Balance Sheet (Period-End) Cash and investment securities $5,778 $5,841 $5,845 $5,728 $5,527 $(63) $251 (1) Intercompany loans 854 807 696 687 804 47 50 Premiums receivable and other insurance assets 2,836 2,863 2,921 2,910 2,824 (27) 12 Other assets 420 420 386 380 334 — 86 Total assets $9,888 $9,931 $9,848 $9,705 $9,489 $(43) $399 Key Statistics (4) Total written premiums and revenue $389 $384 $385 $349 $385 $5 $4 (5) Loss ratio 33.2 % 30.0 % 38.7 % 56.0 % 4 3.7 % (6) Underwriting expense ratio 6 3.0 % 6 0.7 % 6 3.9 % 61.1 % 6 2.8 % Combined ratio 96.2 % 9 0.7 % 1 02.6 % 117.1 % 106.5 % (1) Intercompany activity represents excess liquidity placed with corporate segment. (2) Represents a non-GAAP financial measure. For more details refer to pages 19-24. (3) For more details refer to pages 23-24. (4) Written premiums are net of ceded premium for reinsurance. (5) Loss ratio is calculated as Insurance losses and loss adjustment expenses divided by Insurance premiums and service revenue earned and Other Income, net of losses. (6) Underwriting expense ratio is calculated as Compensation and benefits expense and Other operating expenses divided by Insurance premiums and service revenue earned and Other income, net of losses. Note: Numbers may not foot due to rounding. 11

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ALLY FINANCIAL INC. CORPORATE FINANCE - CONDENSED FINANCIAL STATEMENTS ($ in millions) QUARTERLY TRENDS CHANGE VS. Income Statement 1Q 26 4Q 25 3Q 25 2Q 25 1Q 25 4Q 25 1Q 25 Net financing revenue Total financing revenue and other interest income $243 $240 $238 $233 $221 $3 $22 Interest expense 130 129 127 125 117 1 13 Net financing revenue 113 111 111 108 104 2 9 Total other revenue 35 31 25 19 29 4 6 Total net revenue 148 142 136 127 133 6 15 Provision for loan losses 8 11 8 (2) 14 (3) (6) Noninterest expense Compensation and benefits expense 26 19 19 19 25 7 1 Other operating expense 20 14 14 14 18 6 2 Total noninterest expense 46 33 33 33 43 13 3 Pre-tax income $94 $98 $95 $96 $76 $(4) $18 (1) Change in the fair value of equity securities — — — — — — — (2) Core pre-tax income $94 $98 $95 $96 $76 $(4) $18 Balance Sheet (Period-End) Equity securities $2 $1 $1 $1 $1 $1 $1 Loans held for sale, net 121 87 78 68 144 34 (23) Commercial loans 13,714 12,930 11,289 10,968 10,857 784 2,857 Allowance for loan losses (226) (219) (207) (175) (177) (7) (49) Total finance receivables and loans, net 13,488 12,711 11,082 10,793 10,680 777 2,808 Other assets 192 190 182 178 177 2 15 Total assets $13,803 $12,989 $11,343 $11,040 $11,002 $814 $2,801 (1) For more details refer to pages 23-24. (2) Represents a non-GAAP financial measure. For more details refer to pages 19-24. Note: Numbers may not foot due to rounding. 12

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ALLY FINANCIAL INC. CORPORATE AND OTHER - CONDENSED FINANCIAL STATEMENTS ($ in millions) QUARTERLY TRENDS CHANGE VS. Income Statement 1Q 26 4Q 25 3Q 25 2Q 25 1Q 25 4Q 25 1Q 25 Net financing revenue Total financing revenue and other interest income $395 $415 $434 $444 $557 $(20) $(162) Interest expense 246 274 307 360 479 (28) (233) Net financing revenue 149 141 127 84 78 8 71 Other revenue Other gain/(loss) on investments, net — — — 2 (495) — 495 Gain/(loss) on mortgage and automotive loans, net — (27) — (2) 1 27 (1) (1) Other income, net of losses 31 32 43 28 67 (1) (36) Total other revenue 31 5 43 28 (427) 26 458 Total net revenue 180 146 170 112 (349) 34 529 Provision for loan losses (9) (2) (3) (1) (257) (7) 248 Noninterest expense Compensation and benefits expense 242 256 227 219 267 (14) (25) Goodwill impairment — — — — 305 — (305) (2) Other operating expense 5 67 28 54 73 (62) (68) Total noninterest expense 247 323 255 273 645 (76) (398) Pre-tax income (loss) $(58) $(175) $(82) $(160) $(737) $117 $679 (3) Change in the fair value of equity securities — — — (4) (2) — 2 (4) Core OID 18 17 17 16 16 1 3 (3) Repositioning (7) 59 — — 503 (66) (510) (4) Core pre-tax income (loss) $(47) $(99) $(65) $(148) $(221) $52 $174 Balance Sheet (Period-End) Cash, trading and investment securities $31,976 $32,408 $32,382 $32,759 $32,837 $(432) $(861) Loans held-for-sale, net 189 450 86 102 52 (261) 137 Consumer loans 15,288 15,579 16,253 16,582 16,944 (291) (1,656) Commercial loans 259 233 237 230 237 26 22 (5) Intercompany loans (854) (807) (696) (687) (804) (47) (50) Allowance for loan losses (14) (15) (20) (20) (21) 1 7 Total finance receivables and loans, net 14,679 14,990 15,774 16,105 16,356 (311) (1,677) Other assets 9,122 9,481 8,552 8,053 9,483 (359) (361) (6) Assets of operations held-for-sale — — — — 2,440 — (2,440) Total assets $55,966 $57,329 $56,794 $57,019 $61,168 $(1,363) $(5,202) (4) Core OID Amortization Schedule 2026 2027 2028 2029 2030 & After Remaining Core OID amortization expense $59 $89 $104 $122 Avg = $139/yr (1) Includes the impact of centralized asset and liability management, corporate overhead allocation activities, consumer mortgage portfolio, Ally Invest activity, and Credit Card. Sale of Credit Card closed on 04/01/25. (2) Other operating expenses includes corporate overhead allocated to the other business segments. Amounts of corporate overhead allocated were $315 million for 1Q26, $294 million for 4Q25, $298 million for 3Q25, $281 million for 2Q25, and $302 million for 1Q25. The receiving business segment records the allocation of corporate overhead expense within other operating expenses. (3) For more details refer to pages 23-24. (4) Represents a non-GAAP financial measure. For more details refer to pages 23-24. (5) Intercompany loans related to activity between Insurance and Corporate and Other for liquidity purposes. (6) Credit Card moved to Assets of Operations Held-For-Sale (HFS) on 03/31/25. Sale of Credit Card closed on 04/01/25. Note: Numbers may not foot due to rounding. 13

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ALLY FINANCIAL INC. CREDIT RELATED INFORMATION ($ in millions) QUARTERLY TRENDS CHANGE VS. (1) Asset Quality - Consolidated 1Q 26 4Q 25 3Q 25 2Q 25 1Q 25 4Q 25 1Q 25 Ending loan balance $139,890 $137,454 $134,567 $133,485 $133,229 $2,436 $6,405 30+ Accruing DPD $3,231 $3,671 $3,401 $3,224 $3,345 $(440) $7 30+ Accruing DPD % 2 .31% 2 .67% 2 .53% 2.42% 2.51 % 60+ Accruing DPD $846 $984 $883 $869 $883 $(138) $(23) 60+ Accruing DPD % 0.60% 0 .72% 0 .66% 0.65% 0 .66% Non-performing loans (NPLs) $1,306 $1,366 $1,353 $1,417 $1,359 $(60) $(111) Net charge-offs (NCOs) $417 $452 $395 $507 $366 $(35) $(90) (2) Net charge-off rate 1 .21 % 1.34% 1.18% 1 .50% 1.10% Provision for loan losses $467 $487 $415 $191 $384 $(20) $276 Allowance for loan losses (ALLL) $3,540 $3,490 $3,460 $3,398 $3,416 $50 $142 (3) (4) ALLL as % of Loans 2 .53 % 2 .54% 2 .57 % 2 .55 % 2.56 % (3) ALLL as % of NPLs 271 % 2 55 % 256% 2 40% 251 % (3) ALLL as % of NCOs 2 12 % 1 92 % 2 19 % 1 68 % 234% (5) U.S. Auto Delinquencies - HFI Retail Contract $'s 30+ Delinquent contract $$3,197 $3,630 $3,340 $3,181 $3,301 $(433) $16 % of retail contract $ outstanding 3.69% 4 .24% 3 .93 % 3 .79 % 3 .91% 60+ Delinquent contract $$842 $974 $877 $852 $879 $(132) $(10) % of retail contract $ outstanding 0 .97% 1.14% 1 .03 % 1 .02 % 1 .04% U.S. Auto Annualized Net Charge-Offs - HFI Retail Contract $'s Net charge-offs $424 $454 $399 $445 $366 $(30) $(21) (2) % of avg. HFI assets 1 .97% 2 .14 % 1 .88 % 2 .12 % 1 .75% (6) U.S. Auto Annualized Net Charge-Offs - HFI Commercial Contract $'s Net charge-offs $— $— $— $— $— $— $— (2) % of avg. HFI assets — % —% (0.01)% — % (0.01) % (1) Loans within this table are classified as held-for-investment recorded at amortized cost as these loans are included in our allowance for loan losses. (2) Net charge-off ratios are calculated as annualized net charge-offs divided by average outstanding finance receivables and loans excluding loans measured at fair value, conditional repurchase loans and loans held- for-sale during the year for each loan category. (3) Excludes provision for credit losses related to our reserve for unfunded commitments. (4) ALLL coverage ratios are based on the allowance for loan losses related to loans held-for-investment excluding those loans held at fair value as a percentage of the unpaid principal balance, net of premiums and discounts. (5) Auto delinquency metrics include accruing contracts only. (6) Commercial Auto data includes Insurance advances. Note: Numbers may not foot due to rounding. 14

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ALLY FINANCIAL INC. CREDIT RELATED INFORMATION, CONTINUED ($ in millions) (1) Automotive Finance QUARTERLY TRENDS CHANGE VS. Consumer 1Q 26 4Q 25 3Q 25 2Q 25 1Q 25 4Q 25 1Q 25 Net Charge-offs $424 $454 $399 $366 $445 $(30) $(21) Allowance for loan losses $3,250 $3,208 $3,186 $3,166 $3,144 $42 $106 (2) Total consumer loans $86,662 $85,568 $84,994 $84,365 $83,868 $1,094 $2,794 (3) Coverage ratio 3 .75% 3 .75% 3 .75% 3.75 % 3.75 % (4) Commercial Net Charge-offs $— $— $— $— $— $— $— Allowance for loan losses $50 $48 $47 $55 $56 $2 $(6) Total commercial loans $23,944 $23,151 $21,794 $21,078 $21,560 $793 $2,384 Coverage ratio 0 .21 % 0 .21% 0 .21 % 0 .26 % 0.26% (1) Consumer Mortgage Net Charge-offs $(8) $(1) $(3) $— $(1) $(7) $(7) Allowance for loan losses $11 $12 $17 $17 $18 $(1) $(7) Total consumer loans $15,311 $15,572 $16,253 $16,588 $16,963 $(261) $(1,652) Coverage ratio 0 .07 % 0 .07% 0.10 % 0 .10% 0.11% (1) (5) Consumer Other - Ally Credit Card Net Charge-offs $— $— $— $— $63 $— $(63) Allowance for loan losses $— $— $— $— $— $— $— Total consumer loans $— $— $— $— $— $— $— Coverage ratio —% — % — % — % — % (1) Corporate Finance Net Charge-offs $1 $(1) $(1) $— $— $2 $1 Allowance for loan losses $226 $219 $207 $175 $177 $7 $49 Total commercial loans $13,714 $12,930 $11,289 $10,968 $10,857 $784 $2,857 Coverage ratio 1 .65% 1 .69% 1 .83 % 1 .60 % 1 .63% (1) Corporate and Other Net Charge-offs $— $— $— $— $— $— $— Allowance for loan losses $3 $3 $3 $3 $3 $— $— Total commercial loans $259 $233 $237 $230 $237 $26 $22 Coverage ratio 1 .36% 1.38 % 1 .36 % 1 .36 % 1.36 % (1) ALLL coverage ratios are based on the domestic allowance as a percentage of finance receivables and loans reported at their gross carrying value, which includes the principal amount outstanding, net of unearned income, unamortized deferred fees reduced by costs on originated loans, unamortized premiums and discounts on purchased loans, unamortized basis adjustments arising from the designation of finance receivables and loans as the hedged item in qualifying fair value hedge relationships, and cumulative principal charge-offs. Excludes loans held at fair value. (2) Includes ($23M) of fair value adjustment for loans in hedge accounting relationships in 1Q26, $7M in 4Q25, $0M in 3Q25, ($6M) in 2Q25 and ($19M) in 1Q25. (3) Excludes ($23M) of fair value adjustment for loans in hedge accounting relationships in 1Q26, $7M in 4Q25, $0M in 3Q25, ($6M) in 2Q25 and ($19M) in 1Q25. (4) Commercial Auto data includes Insurance advances. (5) Sale of Credit Card closed on 04/01/25. Note: Numbers may not foot due to rounding. 15

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ALLY FINANCIAL INC. CAPITAL ($ in billions) QUARTERLY TRENDS CHANGE VS. Capital 1Q 26 4Q 25 3Q 25 2Q 25 1Q 25 4Q 25 1Q 25 Risk-weighted assets $155.2 $152.8 $150.7 $151.3 $153.7 $2.4 $1.5 1 0.1 % 10.2% 10.1% 9.9 % 9.5% Common Equity Tier 1 (CET1) capital ratio Tier 1 capital ratio 11.5 % 11.7 % 11.6 % 1 1.4% 1 1.0 % Total capital ratio 1 3.4 % 13.6 % 1 3.4% 1 3.2% 12.8% (1) (2) 6.6% 6 .6% 6.6% 6 .4% 6 .0% Tangible common equity / Tangible assets (1) Tangible common equity / Risk-weighted assets 8 .4 % 8 .5 % 8.4% 8.0 % 7.6% Shareholders' equity $15.6 $15.5 $15.1 $14.5 $14.2 $0.1 $1.4 less: Certain AOCI items and other adjustments 2.4 2.5 2.4 2.7 2.7 (0.1) (0.3) Preferred equity (2.3) (2.3) (2.3) (2.3) (2.3) — — Common Equity Tier 1 capital $15.7 $15.6 $15.2 $15.0 $14.6 $0.1 $1.1 Common Equity Tier 1 capital $15.7 $15.6 $15.2 $15.0 $14.6 $0.1 $1.1 add: Preferred equity 2.3 2.3 2.3 2.3 2.3 — — less: Other adjustments (0.1) (0.1) (0.1) (0.1) (0.1) — — Tier 1 capital $17.9 $17.9 $17.4 $17.2 $16.9 $— $1.0 Tier 1 capital $17.9 $17.9 $17.4 $17.2 $16.9 $— $1.0 add: Qualifying subordinated debt 1.0 1.0 1.0 1.0 1.0 — — Allowance for loan and lease losses includible in Tier 2 capital and other adjustments 1.9 1.9 1.8 1.8 1.9 — — Total capital $20.8 $20.7 $20.3 $20.0 $19.7 $0.1 $1.1 Total shareholders' equity $15.6 $15.5 $15.1 $14.5 $14.2 $0.1 $1.4 less: Preferred equity (2.3) (2.3) (2.3) (2.3) (2.3) — — Goodwill and intangible assets, net of deferred tax liabilities (0.2) (0.2) (0.2) (0.2) (0.3) — 0.1 (1) Tangible common equity $13.1 $13.0 $12.6 $12.0 $11.6 $0.1 $1.5 Total assets $197.3 $196.0 $191.7 $189.5 $193.3 $1.3 $4.0 less: Goodwill and intangible assets, net of deferred tax liabilities (0.2) (0.2) (0.2) (0.2) (0.3) — 0.1 (2) Tangible assets $197.1 $195.8 $191.5 $189.3 $193.0 $1.3 $4.1 (1) Represents a non-GAAP financial measure. For more details refer to pages 23-24. (2) Ally defines tangible assets as total assets less goodwill and intangible assets, net of deferred tax liabilities. Note: Numbers may not foot due to rounding. 16

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ALLY FINANCIAL INC. LIQUIDITY AND DEPOSITS QUARTERLY TRENDS CHANGE VS. Consolidated Available Liquidity ($ in billions) 1Q 26 4Q 25 3Q 25 2Q 25 1Q 25 4Q 25 1Q 25 (1) Liquid cash and cash equivalents $8.9 $9.7 $9.5 $10.0 $9.5 $(0.8) $(0.6) (2) Highly liquid securities 20.4 20.3 19.9 19.2 20.3 0.1 0.1 Subtotal $29.3 $30.0 $29.5 $29.2 $29.8 $(0.7) $(0.5) FHLB Unused Pledged Borrowing Capacity 9.5 9.1 10.3 10.7 11.3 0.4 (1.8) FRB Discount Window Unused Pledged Capacity 27.0 26.9 26.9 26.9 26.9 0.0 0.1 Total unused pledged capacity $36.5 $36.0 $37.2 $37.6 $38.2 $0.4 $(1.7) Total current available liquidity $65.8 $66.1 $66.6 $66.8 $68.0 $(0.3) $(2.2) 2031 & Unsecured Long-Term Debt Maturity Profile 2026 2027 2028 2029 2030 After (3) Consolidated remaining maturities $— $1.5 $0.8 $1.6 $0.8 $5.3 Ally Bank Deposits Key Deposit Statistics Average retail CD duration (months) 17.6 17.4 17.2 17.1 17.3 0.2 0.3 Average retail deposit rate 3 .26% 3 .35% 3 .48 % 3 .58% 3 .75% End of Period Deposit Levels ($ in millions) Retail $146,132 $143,529 $141,843 $143,158 $146,069 $2,603 $63 Brokered & other 7,020 8,120 6,567 4,708 5,359 (1,100) 1,661 Total deposits $153,152 $151,649 $148,410 $147,866 $151,428 $1,503 $1,724 Deposit Mix Retail CD 2 3 % 2 3 % 24% 2 5 % 2 5 % MMA/OSA/Checking 7 3 % 7 1 % 7 1 % 72 % 7 1 % Brokered & other 4% 6 % 5 % 3 % 4% (1) May include the restricted cash accumulation for retained notes maturing within the following 30 days and returned to Ally on the distribution date. (2) Includes unencumbered UST, Agency-backed securities, and highly liquid Corporates. (3) Excludes retail notes; as of 03/31/26. Reflects notional value of outstanding bond. Excludes total GAAP OID and capitalized transaction costs. Note: Numbers may not foot due to rounding. 17

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ALLY FINANCIAL INC. NET INTEREST MARGIN QUARTERLY TRENDS CHANGE VS. ($ in millions) 1Q 26 4Q 25 3Q 25 2Q 25 1Q 25 4Q 25 1Q 25 Average Balance Details $85,858 $84,865 $84,592 $83,858 $83,701 $993 $2,157 Retail Auto Loans 8,805 8,753 8,255 7,919 7,955 52 850 Auto Lease (net of dep.) 15,466 15,956 14,771 14,570 15,324 (490) 142 Dealer Floorplan Other Dealer Loans 7,460 6,541 6,348 6,293 6,339 919 1,121 13,348 12,078 11,085 11,079 10,304 1,270 3,044 Corporate Finance (1) 15,708 16,070 16,458 16,798 17,104 (362) (1,396) Mortgage (2) Consumer Other - Ally Credit Card — — — — 2,274 — (2,274) (6) 9,100 8,983 8,465 8,888 9,345 117 (245) Cash and Cash Equivalents 29,326 29,191 28,756 28,658 28,733 135 593 Investment Securities and Other $185,071 $182,437 $178,730 $178,063 $181,079 $2,634 $3,992 Total Earning Assets Interest Revenue 3,106 3,160 3,162 3,109 3,153 (54) (47) (3) $10,654 $11,273 $11,598 $11,171 $11,797 $(619) $(1,143) Unsecured Debt (ex. Core OID balance) Secured Debt 2,860 2,604 1,780 1,794 2,096 256 764 (4) 151,867 149,028 147,660 148,444 150,640 2,839 1,227 Deposits 6,137 5,845 4,590 4,352 4,204 292 1,933 Other Borrowings (3) Total Funding Sources (ex. Core OID balance) $171,518 $168,750 $165,628 $165,761 $168,738 $2,768 $2,780 (3) Interest Expense (ex. Core OID) 1,499 1,545 1,561 1,577 1,659 (46) (160) (3) Net Financing Revenue (ex. Core OID) $1,607 $1,615 $1,601 $1,532 $1,494 $(8) $114 Net Interest Margin (yield details) Retail Auto Loan 9.30 % 9.32 % 9 .28 % 9 .27 % 9 .21 % (0.02)% 0 .09% 9 .27% 9 .27% 9.21 % 9 .19% 9 .11 % — % 0.16 % Retail Auto Loan (excl. hedge impact) 5 .73 % 5 .93 % 6 .70 % 6.88 % 5.69 % (0.20)% 0 .04 % Auto Lease (net of dep.) 5 .70 % 5.91 % 6 .42 % 6.41 % 6.50 % (0.21) % (0.80)% Dealer Floorplan 5.94% 5.68% 5.66% 5 .64% 5 .66% 0.26% 0 .28 % Other Dealer Loans Corporate Finance 7 .43 % 7 .98% 8 .59% 8.52% 8 .78% (0.55)% (1.35) % (1) 3.21% 3.13% 3 .14% 3 .17% 3.23 % 0.08 % (0.02)% Mortgage (2) Consumer Other - Ally Credit Card — % —% — % — % 21.16% —% (21.16)% (5) Cash and Cash Equivalents 3 .61% 3 .89% 4.28 % 4.32% 4.23% (0.28) % (0.62)% 3.28% 3 .34 % 3.47 % 3 .50 % 3 .26% (0.06) % 0.02% Investment Securities and Other Total Earning Assets 6.81% 6 .87% 7.02% 7 .00% 7 .06% (0.06) % (0.25)% (3) Unsecured Debt (ex. Core OID & Core OID balance) 6 .44 % 6 .36 % 6 .33% 6.42% 6.40% 0 .08% 0.04 % Secured Debt 5 .17% 5 .14 % 5.41% 5.51% 5 .55% 0.03 % (0.38) % (4) Deposits 3 .29% 3.38% 3.50% 3 .59% 3 .78 % (0.09) % (0.49)% (6) 4 .02% 4.21 % 4.26% 4.15 % 4.03 % (0.19) % (0.01) % Other Borrowings (3) 3 .55% 3.63 % 3.74 % 3.82% 3 .99 % (0.08)% (0.44)% Total Funding Sources (ex. Core OID & Core OID balance) NIM (as reported) 3.48% 3.48% 3 .51% 3.41 % 3 .31% — % 0.17% (3) 3 .52% 3.51 % 3 .55% 3 .45% 3.35 % 0.01 % 0.17 % NIM (ex. Core OID & Core OID balance) (1) Mortgage loans in run-off at the Corporate and Other segment. (2) Credit card assets moved to Assets of Operations Held-for-Sale (HFS) on 3/31/25. Sale of Credit Card closed on 04/01/25. (3) Represents a non-GAAP financial measure. Excludes Core OID from interest expense and Core OID balance from Unsecured Debt. For more details refer to pages 23-24. (4) Includes retail, brokered, and other deposits. Other includes sweep deposits and other deposits. (5) Includes interest expense related to margin received on derivative contracts. Excluding this expense, annualized yields were 3.61% for 1Q26, 3.88% for 4Q25, 4.28% for 3Q25, 4.35% for 2Q25, and 4.37% for 1Q25. (6) Includes FHLB Borrowings, Repurchase Agreements and other. Note: Numbers may not foot due to rounding. 18

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ALLY FINANCIAL INC. EARNINGS PER SHARE RELATED INFORMATION ($ in millions, shares in thousands) QUARTERLY TRENDS CHANGE VS. Earnings Per Share Data 1Q 26 4Q 25 3Q 25 2Q 25 1Q 25 4Q 25 1Q 25 GAAP net income (loss) attributable to common shareholders $291 $300 $371 $324 $(253) $(9) $544 (1) Weighted-average common shares outstanding - basic 310,992 310,792 310,342 309,895 309,006 200 1,985 (1) Weighted-average common shares outstanding - diluted 313,219 314,264 313,823 312,434 309,006 (1,045) 4,213 Issued shares outstanding (period-end) 307,408 308,493 307,828 307,787 307,152 (1,085) 255 (1) Net income (loss) per share - basic $0.94 $0.97 $1.19 $1.05 $(0.82) $(0.03) $1.75 (1) Net income (loss) per share - diluted $0.93 $0.95 $1.18 $1.04 $(0.82) $(0.03) $1.75 (2) Adjusted Earnings per Share (Adjusted EPS) Numerator GAAP net income (loss) attributable to common shareholders $291 $300 $371 $324 $(253) $(9) $544 Discontinued operations, net of tax — — — — — — — (3) Core OID 18 17 17 16 16 1 3 (4) Change in the fair value of equity securities 59 (2) (27) (35) 13 60 46 Core OID, repositioning & change in the fair value of equity securities tax (tax rate 21%) (15) (16) 2 4 (99) 1 85 (4) Repositioning (7) 59 — — 503 (66) (510) Significant discrete tax items — (18) — — — 18 — (3) Core net income attributable to common shareholders $346 $341 $363 $309 $179 $5 $168 Denominator Weighted-average common shares outstanding - basic or diluted as applicable 313,219 314,264 313,823 312,434 309,006 (1,045) 4,213 (2) Adjusted EPS $1.11 $1.09 $1.15 $0.99 $0.58 $0.02 $0.52 GAAP original issue discount amortization expense $19 $19 $19 $18 $18 $0 $1 Other OID (1) (2) (2) (2) (3) 0 1 (3) Core original issue discount (Core OID) amortization expense $18 $17 $17 $16 $16 $1 $3 GAAP outstanding original issue discount balance $(670) $(689) $(708) $(727) $(745) $19 $75 Other outstanding OID balance 17 18 20 22 24 (1) (7) (3) Core outstanding original issue discount balance (Core OID balance) $(653) $(671) $(688) $(705) $(721) $18 $68 GAAP Net Financing Revenue $1,589 $1,598 $1,584 $1,516 $1,478 $(9) $111 (3) Core OID 18 17 17 16 16 1 3 (3) Net Financing Revenue (ex. Core OID) $1,607 $1,615 $1,601 $1,532 $1,494 $(8) $114 GAAP Other Revenue $513 $525 $584 $566 $63 $(12) $450 (4) Repositioning 0 27 — — 495 (26) (495) (4) Change in the fair value of equity securities 59 (2) (27) (35) 13 60 46 (3) Adjusted Other Revenue $572 $550 $557 $531 $571 $22 $1 GAAP Provision Expense $467 $487 $415 $384 $191 $(20) $276 (4) Repositioning 7 (1) — — 306 8 (299) (3) Adjusted Provision (ex. Repositioning) $474 $486 $415 $384 $497 $(12) $(23) GAAP Noninterest Expense $1,235 $1,250 $1,240 $1,262 $1,634 $(15) $(399) (4) Repositioning and other — (31) — — (314) 31 314 (3) Adjusted Noninterest Expense $1,235 $1,219 $1,240 $1,262 $1,320 $16 $(85) (1) Due to the antidilutive effect of the net loss attributable to common shareholders for the first quarter 2025, basic weighted average common shares outstanding were used to calculate basic or diluted earnings per share, as applicable. (2) 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 pages 23-24 for details. (3) Represents a non-GAAP financial measure. For more details refer to pages 23-24. (4) For more details refer to pages 23-24. Note: Numbers may not foot due to rounding. 19

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ALLY FINANCIAL INC. ADJUSTED TANGIBLE BOOK PER SHARE RELATED INFORMATION QUARTERLY TRENDS CHANGE VS. ($ in millions, shares in thousands) Adjusted Tangible Book Value Per Share (Adjusted TBVPS) Information 1Q 26 4Q 25 3Q 25 2Q 25 1Q 25 4Q 25 1Q 25 Numerator GAAP shareholders' equity $15,609 $15,498 $15,117 $14,547 $14,232 $111 $1,377 Preferred equity (2,324) (2,324) (2,324) (2,324) (2,324) — — GAAP common shareholders' equity $13,285 $13,174 $12,793 $12,223 $11,908 $111 $1,377 Goodwill and identifiable intangibles, net of DTLs (187) (187) (187) (187) (295) 0 108 (1) Tangible common equity 13,098 12,987 12,606 12,036 11,613 111 1,485 (1) Tax-effected Core OID balance (21% tax rate) (516) (530) (544) (557) (570) 14 54 (2) Adjusted tangible book value $12,582 $12,457 $12,062 $11,479 $11,044 $125 $1,539 Denominator Issued shares outstanding (period-end, thousands) 307,408 308,493 307,828 307,787 307,152 (1,085) 255 GAAP shareholders' equity per share $50.78 $50.24 $49.11 $47.26 $46.34 $0.54 $4.44 Preferred equity per share (7.56) (7.53) (7.55) (7.55) (7.57) (0.03) 0.01 GAAP common shareholders' equity per share $43.22 $42.70 $41.56 $39.71 $38.77 $0.51 $4.45 Goodwill and identifiable intangibles, net of DTLs per share (0.61) (0.61) (0.61) (0.61) (0.96) (0.00) 0.35 (1) Tangible common equity per share 42.61 42.10 40.95 39.10 37.81 0.51 4.80 (1) Tax-effected Core OID balance (21% tax rate) per share (1.68) (1.72) (1.77) (1.81) (1.85) 0.04 0.18 (2) Adjusted tangible book value per share $40.93 $40.38 $39.19 $37.30 $35.95 $0.55 $4.98 (1) Represents a non-GAAP financial measure. For more details refer to pages 23-24. (2) 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. Note: Numbers may not foot due to rounding. 20

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ALLY FINANCIAL INC. CORE ROTCE RELATED INFORMATION ($ in millions) unless noted otherwise QUARTERLY TRENDS CHANGE VS. Core Return on Tangible Common Equity (Core ROTCE) 1Q 26 4Q 25 3Q 25 2Q 25 1Q 25 4Q 25 1Q 25 Numerator GAAP net income (loss) attributable to common shareholders $291 $300 $371 $324 $(253) $(9) $544 Discontinued operations, net of tax — — — — — — — (2) Core OID 18 17 17 16 16 1 3 (2) Change in the fair value of equity securities 59 (2) (27) (35) 13 60 46 Core OID, repositioning & change in the fair value of equity (15) (16) 2 4 (99) 1 85 securities tax (tax rate 21%) (2) Repositioning (7) 59 — — 503 (66) (510) Significant discrete tax items — (18) — — — 18 — (1) Core net income attributable to common shareholders $346 $341 $363 $309 $179 $5 $167 Denominator (average, $ millions) GAAP shareholders' equity $15,554 $15,308 $14,832 $14,390 $14,068 $246 $1,486 Preferred equity (2,324) (2,324) (2,324) (2,324) (2,324) — — GAAP common shareholders' equity $13,230 $12,984 $12,508 $12,066 $11,744 $246 $1,486 Goodwill & identifiable intangibles, net of deferred tax liabilities (DTLs) (187) (187) (187) (241) (449) 0 262 Tangible common equity $13,042 $12,796 $12,321 $11,824 $11,295 $246 $1,748 Tax-effected Core OID balance (tax rate 21%) (523) (537) (550) (563) (576) 14 53 (1) Adjusted Tangible Common Equity $12,520 $12,260 $11,771 $11,261 $10,719 $260 $1,801 (3) Core Return on Tangible Common Equity 1 1.1 % 1 1.1 % 1 2.3% 1 1.0 % 6 .7% (1) Represents a non-GAAP measure. See pages 23-24 for methodology and detail. (2) For more details see pages 23-24. (3) 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. For purposes of this calculation, tangible common equity is adjusted for tax-effected Core OID balance. 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. Note: Numbers may not foot due to rounding. 21

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ALLY FINANCIAL INC. ADJUSTED EFFICIENCY RATIO RELATED INFORMATION ($ in millions) QUARTERLY TRENDS CHANGE VS. Adjusted Efficiency Ratio Calculation 1Q 26 4Q 25 3Q 25 2Q 25 1Q 25 4Q 25 1Q 25 Numerator GAAP Noninterest Expense $1,235 $1,250 $1,240 $1,262 $1,634 $(15) $(399) Insurance expense (350) (335) (374) (424) (392) (15) 42 (2) Repositioning — (31) — — (314) 31 314 Adjusted noninterest expense for the efficiency ratio $885 $884 $866 $838 $928 $1 $(43) Denominator Total net revenue $2,102 $2,123 $2,168 $2,082 $1,541 $(21) $561 (2) Core OID 18 17 17 16 16 1 3 Insurance revenue (378) (426) (453) (452) (394) 48 16 (2) Repositioning 0 27 — — 495 26 495 Adjusted net revenue for the efficiency ratio $1,742 $1,741 $1,732 $1,646 $1,658 $1 $84 (1) Adjusted Efficiency Ratio 50.8 % 5 0.8% 5 0.0 % 5 0.9% 56.0 % (1) 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 Insurance segment expense, Rep and warrant expense, and repositioning and other which is primarily related to the extinguishment of high cost legacy debt, strategic activities and significant one-time items, as applicable for respective periods. In the denominator, total net revenue is adjusted for Insurance segment revenue, Core OID, and repositioning items. See page 11 for the combined ratio for the Insurance segment which management uses as a primary measure of underwriting profitability for the Insurance business. (2) For more details see pages 23-24. Note: Numbers may not foot due to rounding. 22

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ALLY FINANCIAL INC. 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: Accelerated issuance expense (Accelerated OID), Adjusted earnings per share (Adjusted EPS), Adjusted efficiency ratio, Adjusted noninterest expense, Adjusted other revenue, Adjusted tangible book value per share (Adjusted TBVPS), Adjusted total net revenue, Core net income attributable to common shareholders, Core original issue discount (Core OID) amortization expense, Core outstanding original issue discount balance (Core OID balance), Core pre-tax income, Core return on tangible common equity (Core ROTCE), Investment income and other (adjusted), Net financing revenue (excluding Core OID), Net interest margin (excluding Core OID), and Adjusted Tangible Common Equity. These measures are used by management and we believe are useful to investors in assessing the company's operating performance and capital. 1) Accelerated issuance expense (Accelerated OID) is the recognition of issuance expenses related to calls of redeemable debt. 2) 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) excludes 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. 3) 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. (1) 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. (2) In the denominator, total net revenue is adjusted for Core OID and Insurance segment revenue, and repositioning and other which are primarily related to the extinguishment of high-cost legacy debt, strategic activities, restructuring and significant other one-time items, as applicable for respective periods. 4) 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 better understand the business' expenses excluding nonrecurring items. 5) 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 to better understand the business' ability to generate other revenue. 6) 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 better understand the business' expenses excluding nonrecurring items. 7) 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. Note: In December 2017, tax- effected Core OID balance was adjusted from a statutory U.S. Federal tax rate of 35% to 21% ("rate") as a result of changes to U.S. tax law. The adjustment conservatively increased the tax-effected Core OID balance and consequently reduced Adjusted TBVPS as any acceleration of the non-cash charge in future periods would flow through the financial statements at a 21% rate versus a previously modeled 35% rate. 8) 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. 9) 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. 23

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ALLY FINANCIAL INC. 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: Accelerated issuance expense (Accelerated OID), Adjusted earnings per share (Adjusted EPS), Adjusted efficiency ratio, Adjusted noninterest expense, Adjusted other revenue, Adjusted tangible book value per share (Adjusted TBVPS), Adjusted total net revenue, Core net income attributable to common shareholders, Core original issue discount (Core OID) amortization expense, Core outstanding original issue discount balance (Core OID balance), Core pre-tax income, Core return on tangible common equity (Core ROTCE), Investment income and other (adjusted), Net financing revenue (excluding Core OID), Net interest margin (excluding Core OID), and Adjusted Tangible Common Equity. These measures are used by management and we believe are useful to investors in assessing the company's operating performance and capital. 10) 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. 11) 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. Core OID for all periods shown is applied to the pre-tax income of the Corporate and Other segment. 12) 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. 13) 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 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. 14) 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. For purposes of this calculation, tangible common equity is adjusted for tax-effected Core OID balance. 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. 15) Investment income and other (adjusted) is a non-GAAP financial measure that adjusts GAAP investment income and other for repositioning, and the change in fair value of equity securities. Management believes investment income and other (adjusted) is a helpful financial metric because it enables the reader to better understand the business' ability to generate investment income. 16) 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. 17) 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. 18) Repositioning is primarily related to the extinguishment of high-cost legacy debt, strategic activities, restructuring, amounts related to nonrecurring business transactions or pending transactions, and significant other one-time items. 19) Adjusted 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 tax-effected Core OID balance 24