Ally Financial Inc 8-K, filed Oct 20, 2026
Ally Financial Inc. (ALLY)
About this 8-K
Ally Financial Inc filed this 8-K on October 20, 2026.
Ally Financial Inc. reported preliminary third-quarter results for the quarter ended September 30, 2026: GAAP EPS of $1.30, GAAP pre-tax income of $567 million, and a $0.35 per-share common dividend for 4Q 2026. It also executed $178 million of repurchases. AI summary
Items reported
- Item 2.02: Financial results
- Item 9.01: Financial statements and exhibits
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM
CURRENT REPORT
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| Item 2.02 | Results of Operations and Financial Condition. |
On October 20, 2026, Ally Financial Inc. issued a press release announcing preliminary operating results for the third quarter ended September 30, 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 October 20, 2026 | |
| 99.2 | Charts Furnished to Securities Analysts | |
| 99.3 | Supplemental Financial Data Furnished to Securities Analysts | |
| 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.
| ALLY FINANCIAL INC. | ||||||||
| (Registrant) | ||||||||
| Dated: October 20, 2026 | /s/ Austin T. McGrath |
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| Austin T. McGrath | ||||||||
| Vice President, Controller, and Chief Accounting Officer | ||||||||
Exhibit 99.1
News release: IMMEDIATE RELEASE
| Ally Financial Reports Third Quarter 2026 Financial Results | ||||||
| $1.30 |
12.1% | $567 million | $2.3 billion | |||
| GAAP EPS |
RETURN ON COMMON EQUITY | PRE-TAX INCOME | GAAP TOTAL NET REVENUE | |||
| $1.34 |
13.1% | $581 million | $2.3 billion | |||
| ADJUSTED EPS1 |
CORE ROTCE1 | CORE PRE-TAX INCOME1 | ADJUSTED TOTAL NET REVENUE1 | |||
FINANCIAL HIGHLIGHTS
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• GAAP EPS of $1.30 was up 10% year over year | Adjusted EPS1 of $1.34 was up 16% year over year
• GAAP Pre-tax income of $567 million was up 11% year over year | Core pre-tax income1 of $581 million was up 16% year over year
• Return on Common Equity of 12.1% was up 20 bps year over year | Core ROTCE1 of 13.1% was up 80 bps year over year
• NIM ex. OID1 of 3.66% was up 3 bps quarter over quarter and up 11 bps year over year
• Common equity tier 1 ratio of 10.2% was up 10 bps year over year
• Announced 4Q 2026 common dividend of $0.35 per share | Executed $178 million of share repurchases during the quarter |
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OPERATIONAL HIGHLIGHTS
• $12.9 billion of consumer auto originations, up 10% year over year | Record 4.8 million consumer auto applications, up 20% year over year
• Estimated retail auto originated yield1 of 9.44% with 44% of volume within the highest credit quality tier
• Retail auto net charge-offs of 189 bps were up 1 bps year over year
• Insurance written premiums of $388 million were up 1% year over year
• $142 billion of retail deposits | 92% FDIC insured | 86% core deposit funded
• 70 consecutive quarters of retail deposit customer growth, serving 3.6 million customers
• Corporate Finance HFI portfolio of $15.8 billion with non-performing loans at less than 1% | ROE of 22% |
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CEO COMMENTS
“Third quarter results provide another clear signal that our focused strategy is delivering results,” said Chief Executive Officer, Michael Rhodes. “We are growing our core franchises, improving returns, maintaining risk discipline, and demonstrating our ability to both strengthen capital and return it to shareholders.
Dealer Financial Services demonstrated the strength of our all-in value proposition, as healthy dealer engagement drove record application volume and nearly $13 billion in originations, up 10% year-over-year. The breadth of our application volume enables us to be selective while providing the scale to optimize risk-adjusted returns against a fluid backdrop. Insurance delivered a 36% ROE while continuing to grow written premiums, as the team deepens dealer engagement while continuing to manage risk effectively.
Corporate Finance delivered another strong quarter, generating a 22% return on equity while growing the portfolio meaningfully. We continue to scale the portfolio responsibly by leading a vast majority of the deals we originate and growing alongside existing clients. Just as importantly, credit performance remains strong, demonstrating the effectiveness of the team’s deep underwriting expertise.
At Ally Bank, our ability to deliver value beyond rate drove customer growth for a 70th consecutive quarter. Last month, we introduced ‘Loyally’, a fee-free rewards experience that further complements our unique value proposition. At $142 billion today, our retail deposit base provides a stable funding source that supports accretive growth. Industry leading retention rates further reflect the trust customers place in Ally and the durability of our deposit relationships.
We are building from a position of strength, with a clear set of strategic priorities focused on leveraging our competitive advantages to drive sustainable, high-quality growth and improved returns. While the operating environment remains dynamic, our differentiated franchises, together with our unmatched brand and culture, provide the foundation for continued execution. We remain confident in our ability to capitalize on the opportunities ahead and create long-term value for shareholders.”
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Third Quarter 2026 Financial Results
| Increase / (Decrease) vs. | ||||||||||||||||||||
| ($ millions except per share data) | 3Q 26 | 2Q 26 | 3Q 25 | 2Q 26 | 3Q 25 | |||||||||||||||
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| GAAP Net Income (Loss) Attributable to Common Shareholders |
$ | 401 | $ | 367 | $ | 371 | 9 | % | 8 | % | ||||||||||
| Core Net Income Attributable to Common Shareholders1 |
$ | 412 | $ | 375 | $ | 363 | 10 | % | 14 | % | ||||||||||
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| GAAP Earnings per Common Share (basic or diluted as applicable) |
$ | 1.30 | $ | 1.18 | $ | 1.18 | 10 | % | 10 | % | ||||||||||
| Adjusted EPS1 |
$ | 1.34 | $ | 1.21 | $ | 1.15 | 11 | % | 16 | % | ||||||||||
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| Return on GAAP Shareholders’ Equity |
12.1 | % | 11.0 | % | 11.9 | % | 10 | % | 2 | % | ||||||||||
| Core ROTCE1 |
13.1 | % | 11.8 | % | 12.3 | % | 11 | % | 6 | % | ||||||||||
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| GAAP Common Shareholders’ Equity per Share |
$ | 43.24 | $ | 44.38 | $ | 41.56 | (3 | )% | 4 | % | ||||||||||
| Adjusted Tangible Book Value per Share1 |
$ | 41.00 | $ | 42.12 | $ | 39.19 | (3 | )% | 5 | % | ||||||||||
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| GAAP Total Net Revenue |
$ | 2,332 | $ | 2,286 | $ | 2,168 | 2 | % | 8 | % | ||||||||||
| Adjusted Total Net Revenue1 |
$ | 2,346 | $ | 2,276 | $ | 2,157 | 3 | % | 9 | % | ||||||||||
| 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: Adjusted Earnings per Share (Adjusted EPS), Adjusted Total Net Revenue, Core Pre-Tax Income, Core Net Income Attributable to Common Shareholders, Core OID, Core Return on Tangible Common Equity (Core ROTCE), Estimated Retail Auto Originated Yield, Tangible Common Equity, Net Financing Revenue (excluding Core OID) and Adjusted Tangible Book Value per Share (Adjusted TBVPS). These measures are used by management and we believe are useful to investors in assessing the company’s operating performance and capital. Refer to the Definitions of Non-GAAP Financial Measures and Other Key Terms, and Reconciliation to GAAP later in this release. |
Discussion of Third Quarter 2026 Results
Net income attributable to common shareholders was $401 million in the quarter, compared to $371 million in the third quarter of 2025.
Net financing revenue was $1.7 billion, up $164 million year over year. Net interest margin (“NIM”) of 3.62% and net interest margin excluding core OIDA of 3.66% were up 11 bps year over year.
Other revenue was flat year over year at $584 million which included a $5 million increase in fair value of equity securities in the quarter compared to a $27 million increase in the third quarter of 2025. Adjusted other revenueA of $579 million increased $22 million year over year, as we continue to benefit from momentum across our diversified revenue streams including Insurance, SmartAuction, and Passthrough programs.
Provision for credit losses increased $114 million year over year to $529 million, primarily due to CECL reserve builds associated with asset growth during the quarter.
Noninterest expense decreased $4 million year over year.
| A | Represents a non-GAAP financial measure. Refer to the Definitions of Non-GAAP Financial Measures and Other Key Terms and Reconciliation to GAAP later in this press release. |
Third Quarter 2026 Financial Results
| Increase / (Decrease) vs. | ||||||||||||||||||||
| ($ millions except per share data) | 3Q 26 | 2Q 26 | 3Q 25 | 2Q 26 | 3Q 25 | |||||||||||||||
| (a) Net Financing Revenue |
$ | 1,748 | $ | 1,684 | $ | 1,584 | $ | 64 | $ | 164 | ||||||||||
| Core OID1 |
20 | 19 | 17 | 1 | 3 | |||||||||||||||
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| Net Financing Revenue (excluding Core OID)1 |
1,768 | 1,703 | 1,601 | 65 | 167 | |||||||||||||||
| (b) Other Revenue |
584 | 602 | 584 | (18 | ) | — | ||||||||||||||
| Repositioning2 |
— | — | — | — | — | |||||||||||||||
| Change in Fair Value of Equity Securities3 |
(5 | ) | (29 | ) | (27 | ) | 24 | 22 | ||||||||||||
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| Adjusted Other Revenue1 |
579 | 573 | 557 | 6 | 22 | |||||||||||||||
| (c) Provision for Credit Losses |
529 | 430 | 415 | 99 | 114 | |||||||||||||||
| Repositioning2 |
— | — | — | — | — | |||||||||||||||
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| Adjusted Provision for Credit Losses1 |
529 | 430 | 415 | 99 | 114 | |||||||||||||||
| (d) Noninterest Expense |
1,236 | 1,319 | 1,240 | (83 | ) | (4 | ) | |||||||||||||
| Repositioning2 |
— | — | — | — | — | |||||||||||||||
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| Adjusted Noninterest Expense1 |
1,236 | 1,319 | 1,240 | (83 | ) | (4 | ) | |||||||||||||
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| Pre-Tax Income (loss) (a+b-c-d) |
$ | 567 | $ | 537 | $ | 513 | $ | 30 | $ | 54 | ||||||||||
| Income Tax Expense (Benefit) |
134 | 127 | 115 | 7 | 19 | |||||||||||||||
| Net Income (Loss) from Discontinued Operations |
— | — | — | — | — | |||||||||||||||
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| Net Income (Loss) |
$ | 433 | $ | 410 | $ | 398 | $ | 23 | $ | 35 | ||||||||||
| Preferred Dividends |
32 | 43 | 27 | (11 | ) | 5 | ||||||||||||||
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| Net Income (Loss) Attributable to Common Shareholders |
$ | 401 | $ | 367 | $ | 371 | $ | 34 | $ | 30 | ||||||||||
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| GAAP EPS (basic or diluted, as applicable) |
$ | 1.30 | $ | 1.18 | $ | 1.18 | $ | 0.12 | $ | 0.12 | ||||||||||
| Core OID, Net of Tax1 |
0.05 | 0.05 | 0.04 | 0.00 | 0.01 | |||||||||||||||
| Change in Fair Value of Equity Securities, Net of Tax3 |
(0.01 | ) | (0.07 | ) | (0.07 | ) | 0.06 | 0.06 | ||||||||||||
| Repositioning, Discontinued Ops., and Other, Net of Tax2 |
— | — | — | — | — | |||||||||||||||
| Significant Discrete Tax Items |
— | — | — | — | — | |||||||||||||||
| Capital Actions (preferred redemption) |
— | 0.05 | — | (0.05 | ) | — | ||||||||||||||
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| Adjusted EPS1 |
$ | 1.34 | $ | 1.21 | $ | 1.15 | $ | 0.13 | $ | 0.18 | ||||||||||
| (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) | Contains non-GAAP financial measures and other financial measures. See pages 5 and 6 for definitions. |
| (3) | 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. |
2
Pre-Tax Income by Segment
| Increase/(Decrease) vs. | ||||||||||||||||||||
| ($ millions) | 3Q 26 | 2Q 26 | 3Q 25 | 2Q 26 | 3Q 25 | |||||||||||||||
| Automotive Finance |
$ | 337 | $ | 410 | $ | 421 | $ | (73 | ) | (84 | ) | |||||||||
| Insurance |
80 | 53 | 79 | $ | 27 | 1 | ||||||||||||||
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| Dealer Financial Services |
$ | 417 | $ | 463 | $ | 500 | $ | (46 | ) | $ | (83 | ) | ||||||||
| Corporate Finance |
98 | 112 | 95 | (24 | ) | 3 | ||||||||||||||
| Corporate and Other |
52 | (48 | ) | (82 | ) | 100 | 134 | |||||||||||||
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| Pre-Tax Income (Loss) from Continuing Operations |
$ | 567 | $ | 537 | $ | 513 | $ | 30 | $ | 54 | ||||||||||
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| Core OID1 |
20 | 19 | 17 | 1 | 3 | |||||||||||||||
| Change in Fair Value of Equity Securities2 |
(5 | ) | (29 | ) | (27 | ) | 24 | 22 | ||||||||||||
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| Core Pre-Tax Income1 |
$ | 581 | $ | 527 | $ | 502 | $ | 55 | $ | 79 | ||||||||||
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| (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. |
Numbers may not foot due to rounding.
Discussion of Segment Results
Auto Finance
Pre-tax income of $337 million was down $84 million year over year, primarily driven by higher provision expense from strong asset growth and higher noninterest expense, partially offset by higher revenue.
Net financing revenue of $1.3 billion was up $15 million year over year, primarily driven by growth in retail and commercial auto assets. Ally’s retail auto portfolio yield, excluding the impact from hedges, declined 1 bps year over year to 9.20%.
Provision for credit losses of $511 million was up $101 million year over year, primarily due to CECL reserve builds associated with asset growth in the quarter. The retail auto net charge-off rate of 1.89% increased 1 bps year over year. Retail auto delinquencies 30+ days past due, inclusive of non-accrual loans, increased 6 bps year over year to 4.96%.
Noninterest expense of $594 million was up $16 million year over year, primarily due to higher servicing expenses related to asset growth.
Consumer auto originations of $12.9 billion included $8.2 billion of used retail volume, or 64% of total originations, $4.2 billion of new retail volume, and $474 million of lease. Estimated retail auto originated yieldA was 9.44% in the quarter with 44% of originations in our highest credit quality tier.
End-of-period auto earning assets of $125.6 billion increased $10.2 billion year over year. End-of-period consumer auto earning assets of $99.9 billion increased $6.3 billion year over year, driven by strong consumer originations. End-of-period commercial earning assets of $25.7 billion were up $3.9 billion year over year, primarily driven by higher vehicle inventories.
Insurance
Pre-tax income of $80 million was up $1 million year over year. Results included a $5 million increase in fair value of equity securities compared to a $27 million increase in the prior year period. Core pre-tax incomeB of $75 million increased $23 million year over year, primarily driven by higher underwriting income.
Insurance losses of $135 million were down $6 million year over year.
Written premiums of $388 million were up $3 million year over year as increased dealer engagement and strong execution continues to drive written premium growth.
Total investment income, excluding the change in fair value of equity securitiesC, was $71 million, up $9 million year over year, driven by higher interest income.
AM Best reaffirmed Best A ratingD during the quarter, reflecting strength of the Insurance balance sheet and confidence in financial strength.
| A | 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. |
| B | 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. |
| C | 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. |
| D | AM Best (Alfred M. Best) rating is an independent evaluation of an insurance company’s financial strength and capital adequacy. |
3
Discussion of Segment Results
Corporate Finance
Pre-tax income of $98 million was up $3 million year over year, driven by higher net revenue partially offset by higher provision expense.
Net financing revenue of $122 million was up $11 million year over year, primarily driven by asset growth. Other revenue of $31 million was up $6 million year over year, primarily driven by higher investment income.
Provision expense of $20 million was up $12 million year over year, driven by portfolio growth.
Return on equity (ROE) for the quarter was 22%.
The held-for-investment loan portfolio of $15.8 billion is 100% first lien. Criticized assets and non-accrual loan percentages remain near historically low levels at 8% and less than 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 $0.35 per share common dividend for the fourth quarter of 2026. Ally repurchased $178 million in shares during the quarter.
Ally’s common equity tier 1 (CETI) capital ratio was 10.2%. Risk-weighted assets (RWA) of $158.2 billion were up $1.3 billion quarter over quarter. Ally executed a $6 billion retail auto credit risk transfer during the quarter, the second such transaction in 2026, generating approximately 25 bps of CETI at the time of issuance.
Liquidity & Funding
Cash and cash equivalentsE totaled $7.5 billion. Highly liquid securities were $19.4 billion and unused pledged borrowing capacity at the FHLB and FRB was $6.4 billion and $27.9 billion, respectively. Total current available liquidityF was $61.2 billion, 5.2x uninsured deposit balances.
Deposits represented 86% of Ally’s funding portfolio.
Deposits
Retail deposits of $141.9 billion were up $80 million year over year, and down $1.6 billion quarter over quarter. Total deposits were $155.8 billion and Ally maintained an industry-leading customer retention rateG.
The average retail deposit portfolio yield was 3.05%, down 43 bps year over year and 7 bps quarter over quarter.
Ally Bank added 59 thousand net new deposit customers in the quarter, totaling 3.6 million. Millennials and younger customers continue to comprise the largest generation segment of new customers.
| E | 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. |
| F | 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. |
| G | See definitions of non-GAAP financial measures and other key terms later in this document for more details. |
4
Definitions of Non-GAAP Financial Measures and Other Key Terms
Ally believes the non-GAAP financial measures defined here are important to the reader of the Consolidated Financial Statements, but these are supplemental to and not a substitute for GAAP measures. See Reconciliation to GAAP below for calculation methodology and details regarding each measure.
Adjusted earnings per share (Adjusted EPS) is a non-GAAP financial measure that adjusts GAAP EPS for revenue and expense items that are typically strategic in nature or that management otherwise does not view as reflecting the operating performance of the company. Management believes Adjusted EPS can help the reader better understand the operating performance of the core businesses and their ability to generate earnings. In the numerator of Adjusted EPS, GAAP net income attributable to common shareholders is adjusted for the following items: (1) excludes discontinued operations, net of tax, as Ally is primarily a domestic company and sales of international businesses and other discontinued operations in the past have significantly impacted GAAP EPS, (2) adds back the tax-effected non-cash Core OID, (3) adjusts for tax-effected repositioning and other which are primarily related to the extinguishment of high-cost legacy debt, strategic activities and significant other one-time items, (4) change in fair value of equity securities, (5) excludes significant discrete tax items that do not relate to the operating performance of the core businesses, and adjusts for preferred stock capital actions that have been taken by the company to normalize its capital structure, as applicable for respective periods. See page 6 for calculation methodology and details.
Core Return on Tangible Common Equity (Core ROTCE) is a non-GAAP financial measure that management believes is helpful for readers to better understand the ongoing ability of the company to generate returns on its equity base that supports core operations. Ally’s Core net income attributable to common shareholders for purposes of calculating Core ROTCE is based on the actual effective tax rate for the period adjusted for significant discrete tax items including tax reserve releases, which aligns with the methodology used in calculating adjusted earnings per share.
| (1) | In the numerator of Core ROTCE, GAAP net income attributable to common shareholders is adjusted for discontinued operations net of tax, tax-effected Core OID, tax-effected repositioning and other which are primarily related to the extinguishment of high-cost legacy debt, strategic activities and significant other one-time items, change in fair value of equity securities, significant discrete tax items, and preferred stock capital actions, as applicable for respective periods. |
| (2) | In the denominator, GAAP shareholders’ 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 shareholders’ 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.
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 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.
5
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) |
3Q 26 | 2Q 26 | 3Q 25 | |||||||||||||
| GAAP Net Income (Loss) Attributable to Common Shareholders |
|
$ | 401 | $ | 367 | $ | 371 | |||||||||
| Discontinued Operations, Net of Tax |
|
— | — | — | ||||||||||||
| Core OID |
|
20 | 19 | 17 | ||||||||||||
| Repositioning and Other |
|
— | — | — | ||||||||||||
| Change in the Fair Value of Equity Securities |
|
(5 | ) | (29 | ) | (27 | ) | |||||||||
| Tax on: Core OID, Repo, & Change in Fair Value of Equity Securities (21% tax rate) |
(3 | ) | 2 | 2 | ||||||||||||
| Significant Discrete Tax Items |
— | — | — | |||||||||||||
| Capital Actions (preferred redemption) |
— | 15 | — | |||||||||||||
|
|
|
|
|
|
|
|||||||||||
| Core Net Income Attributable to Common Shareholders |
[a] | $ | 412 | $ | 375 | $ | 363 | |||||||||
| Denominator |
||||||||||||||||
| Weighted-Average Common Shares Outstanding (basic or diluted as applicable, thousands) |
[b] | 308,133 | 311,035 | 313,823 | ||||||||||||
|
|
|
|
|
|
|
|||||||||||
| Adjusted EPS |
[a] ÷ [b] | $ | 1.34 | $ | 1.21 | $ | 1.15 | |||||||||
Core Return on Tangible Common Equity (ROTCE)
| Numerator ($ millions) |
3Q 26 | 2Q 26 | 3Q 25 | |||||||||||||
| GAAP Net Income (Loss) Attributable to Common Shareholders |
$ | 401 | $ | 367 | $ | 371 | ||||||||||
| Discontinued Operations, Net of Tax |
— | — | — | |||||||||||||
| Core OID |
20 | 19 | 17 | |||||||||||||
| Repositioning and Other |
— | — | — | |||||||||||||
| Change in Fair Value of Equity Securities |
(5 | ) | (29 | ) | (27 | ) | ||||||||||
| Tax on: Core OID, Repo, & Change in Fair Value of Equity Securities (21% tax rate) |
(3 | ) | 2 | 2 | ||||||||||||
| Significant Discrete Tax Items |
— | — | — | |||||||||||||
| Capital Actions (preferred redemption) |
— | 15 | — | |||||||||||||
|
|
|
|
|
|
|
|||||||||||
| Core Net Income Attributable to Common Shareholders |
[a] | $ | 412 | $ | 375 | $ | 363 | |||||||||
| Denominator (Average, $ millions) |
||||||||||||||||
| GAAP Shareholders’ Equity |
$ | 15,231 | $ | 15,550 | $ | 14,832 | ||||||||||
| Preferred Equity |
(1,976 | ) | (2,150 | ) | (2,324 | ) | ||||||||||
|
|
|
|
|
|
|
|||||||||||
| GAAP Common Shareholders’ Equity |
$ | 13,255 | $ | 13,400 | $ | 12,508 | ||||||||||
| Goodwill & Identifiable Intangibles, Net of Deferred Tax Liabilities (DTLs) |
(187 | ) | (187 | ) | (187 | ) | ||||||||||
|
|
|
|
|
|
|
|||||||||||
| Tangible Common Equity |
$ | 13,068 | $ | 13,213 | $ | 12,321 | ||||||||||
| Tax-effected Core OID balance (tax rate 21%) |
(493 | ) | (508 | ) | (550 | ) | ||||||||||
| Adjusted Tangible Common Equity |
[b] | $ | 12,575 | $ | 12,705 | $ | 11,771 | |||||||||
|
|
|
|
|
|
|
|||||||||||
| Core Return on Tangible Common Equity |
[a] ÷ [b] | 13.1 | % | 11.8 | % | 12.3 | % | |||||||||
6
Adjusted Tangible Book Value per Share
| Numerator ($ millions) |
3Q 26 | 2Q 26 | 3Q 25 | |||||||||||||
| GAAP Shareholders’ Equity |
$ | 14,970 | $ | 15,491 | $ | 15,117 | ||||||||||
| Preferred Equity |
(1,976 | ) | (1,976 | ) | (2,324 | ) | ||||||||||
|
|
|
|
|
|
|
|||||||||||
| GAAP Common Shareholders’ Equity |
$ | 12,994 | $ | 13,515 | $ | 12,793 | ||||||||||
| Goodwill and Identifiable Intangible Assets, Net of DTLs |
(187 | ) | (187 | ) | (187 | ) | ||||||||||
|
|
|
|
|
|
|
|||||||||||
| Tangible Common Equity |
12,807 | 13,328 | 12,606 | |||||||||||||
| Tax-effected Core OID Balance (21% tax rate) |
(485 | ) | (501 | ) | (544 | ) | ||||||||||
|
|
|
|
|
|
|
|||||||||||
| Adjusted Tangible Book Value |
[a] | $ | 12,322 | $ | 12,827 | $ | 12,062 | |||||||||
| Denominator | ||||||||||||||||
| Issued Shares Outstanding (period-end, thousands) |
[b] | 300,538 | 304,543 | 307,828 | ||||||||||||
| Metric | ||||||||||||||||
| GAAP Common Shareholders’ Equity per Share |
$ | 43.24 | $ | 44.38 | $ | 41.56 | ||||||||||
| Goodwill and Identifiable Intangible Assets, Net of DTLs per Share |
(0.62 | ) | (0.61 | ) | (0.61 | ) | ||||||||||
|
|
|
|
|
|
|
|||||||||||
| Tangible Common Equity per Share |
$ | 42.61 | $ | 43.76 | $ | 40.95 | ||||||||||
| Tax-effected Core OID Balance (21% tax rate) per Share |
(1.61 | ) | (1.64 | ) | (1.77 | ) | ||||||||||
|
|
|
|
|
|
|
|||||||||||
| Adjusted Tangible Book Value per Share |
[a] ÷ [b] | $ | 41.00 | $ | 42.12 | $ | 39.19 | |||||||||
Adjusted Efficiency Ratio
| Numerator ($ millions) |
3Q 26 | 2Q 26 | 3Q 25 | |||||||||||||
| GAAP Noninterest Expense |
$ | 1,236 | $ | 1,319 | $ | 1,240 | ||||||||||
| Insurance Expense |
(365 | ) | (434 | ) | (374 | ) | ||||||||||
| Repositioning and Other |
— | — | — | |||||||||||||
|
|
|
|
|
|
|
|||||||||||
| Adjusted Noninterest Expense for Adjusted Efficiency Ratio |
[a] | $ | 871 | $ | 885 | $ | 866 | |||||||||
| Denominator ($ millions) | ||||||||||||||||
| Total Net Revenue |
$ | 2,332 | $ | 2,286 | $ | 2,168 | ||||||||||
| Core OID |
20 | 19 | 17 | |||||||||||||
| Repositioning Items |
— | — | — | |||||||||||||
| Insurance Revenue |
(445 | ) | (487 | ) | (453 | ) | ||||||||||
|
|
|
|
|
|
|
|||||||||||
| Adjusted Net Revenue for Adjusted Efficiency Ratio |
[b] | $ | 1,907 | $ | 1,818 | $ | 1,732 | |||||||||
| Adjusted Efficiency Ratio |
[a] ÷ [b] | 45.7 | % | 48.7 | % | 50.0 | % | |||||||||
Original Issue Discount Amortization Expense ($ millions)
| 3Q 26 | 2Q 26 | 3Q 25 | ||||||||||
| GAAP Original Issue Discount Amortization Expense |
$ | 21 | $ | 20 | $ | 19 | ||||||
| Other OID |
(1 | ) | (1 | ) | (2 | ) | ||||||
|
|
|
|
|
|
|
|||||||
| Core Original Issue Discount (Core OID) Amortization Expense |
$ | 20 | $ | 19 | $ | 17 | ||||||
Outstanding Original Issue Discount Balance ($ millions)
| 3Q 26 | 2Q 26 | 3Q 25 | ||||||||||
| GAAP Outstanding Original Issue Discount Balance |
$ | (628 | ) | $ | (649 | ) | $ | (708 | ) | |||
| Other Outstanding OID Balance |
14 | 16 | 20 | |||||||||
|
|
|
|
|
|
|
|||||||
| Core Outstanding Original Issue Discount Balance (Core OID Balance) |
$ | (614 | ) | $ | (634 | ) | $ | (688 | ) | |||
7
| ($ millions) | ||||||||||||||
| Net Financing Revenue (Excluding Core OID) |
3Q 26 | 2Q 26 | 3Q 25 | |||||||||||
| GAAP Net Financing Revenue |
[w] | $ | 1,748 | $ | 1,684 | $ | 1,584 | |||||||
| Core OID |
20 | 19 | 17 | |||||||||||
|
|
|
|
|
|
|
|||||||||
| Net Financing Revenue (Excluding Core OID) |
[a] | $ | 1,768 | $ | 1,703 | $ | 1,601 | |||||||
| Adjusted Other Revenue |
3Q 26 | 2Q 26 | 3Q 25 | |||||||||||
| GAAP Other Revenue |
[x] | $ | 584 | $ | 602 | $ | 584 | |||||||
| Accelerated OID & Repositioning Items |
— | — | — | |||||||||||
| Change in Fair Value of Equity Securities |
(5 | ) | (29 | ) | (27 | ) | ||||||||
|
|
|
|
|
|
|
|||||||||
| Adjusted Other Revenue |
[b] | $ | 579 | $ | 573 | $ | 557 | |||||||
| Adjusted Total Net Revenue |
3Q 26 | 2Q 26 | 3Q 25 | |||||||||||
| Adjusted Total Net Revenue |
[a]+[b] | $ | 2,346 | $ | 2,276 | $ | 2,157 | |||||||
| Adjusted Provision for Credit Losses |
3Q 26 | 2Q 26 | 3Q 25 | |||||||||||
| GAAP Provision for Credit Losses |
[y] | $ | 529 | $ | 430 | $ | 415 | |||||||
| Repositioning |
— | — | — | |||||||||||
|
|
|
|
|
|
|
|||||||||
| Adjusted Provision for Credit Losses |
[c] | $ | 529 | $ | 430 | $ | 415 | |||||||
| Adjusted Noninterest Expense |
3Q 26 | 2Q 26 | 3Q 25 | |||||||||||
| GAAP Noninterest Expense |
[z] | $ | 1,236 | $ | 1,319 | $ | 1,240 | |||||||
| Repositioning |
— | — | — | |||||||||||
|
|
|
|
|
|
|
|||||||||
| Adjusted Noninterest Expense |
[d] | $ | 1,236 | $ | 1,319 | $ | 1,240 | |||||||
| Core Pre-Tax Income |
3Q 26 | 2Q 26 | 3Q 25 | |||||||||||
| Pre-Tax Income (Loss) |
[w]+[x]-[y]-[z] | $ | 567 | $ | 537 | $ | 513 | |||||||
|
|
|
|
|
|
|
|||||||||
| Core Pre-Tax Income |
[a]+[b]-[c]-[d] | $ | 581 | $ | 527 | $ | 502 | |||||||
Insurance Non-GAAP Walk to Core Pre-Tax Income
| ($ millions) | 3Q 2026 | 3Q 2025 | ||||||||||||||||||||||
| GAAP | Change in the fair value of equity securities |
Non-GAAP1 | GAAP | Change in the fair value of equity securities |
Non-GAAP1 | |||||||||||||||||||
| Insurance |
||||||||||||||||||||||||
| Premiums, Service Revenue Earned and Other |
$ | 369 | $ | — | $ | 369 | $ | 364 | $ | — | $ | 364 | ||||||||||||
| Losses and Loss Adjustment Expenses |
135 | — | 135 | 141 | — | 141 | ||||||||||||||||||
| Acquisition and Underwriting Expenses |
230 | — | 230 | 233 | — | 233 | ||||||||||||||||||
| Investment Income and Other |
76 | (5 | ) | 71 | 89 | (27 | ) | 62 | ||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||||||||||
| Pre-Tax Income from Continuing Operations |
$ | 80 | $ | (5 | ) | $ | 75 | $ | 79 | $ | (27 | ) | $ | 52 | ||||||||||
| 1 | Non-GAAP line items walk to Core Pre-Tax Income, a non-GAAP financial measure that adjusts Pre-Tax Income. |
8
Additional Financial Information
For additional financial information, the third 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) includes the nation’s largest all-digital bank and auto finance business, driven by a mission to “Do It Right” for its customers and communities. Ally is a U.S. financial holding company with $203 billion in assets and 9.7 million customers (as of September 30, 2026). Ally Bank, Member FDIC, offers online banking products, including high-yield savings and no hidden fee checking, and was the first major U.S. bank to eliminate overdraft fees. Ally also provides investing solutions through Ally Invest, including online brokerage, automated investing, IRAs and personal advice. As a leader in auto finance, Ally provides consumer and dealer financing, insurance, and vehicle remarketing services. Ally’s seasoned corporate finance business provides capital to equity sponsors and middle-market companies. Visit 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,” “preliminary,” “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, capital, 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: | ||
| Dan Ignacio | Peter Gilchrist | |
| Ally Investor Relations | Ally Communications (Media) | |
| 704-444-5107 | 704-644-6299 | |
| dan.ignacio@ally.com | peter.gilchrist@ally.com |
9
Exhibit 99.2 Ally Financial 3Q 2026 Earnings Review October 20, 2026 Contact Ally Investor Relations at (866) 710-4623 or investor.relations@ally.com
#16052B #2B114B #650360 #852EF2 #CBBEFF #DBFF82 #EFEDEC #FCFBFD Midnight Indigo OG Plum Vivid Plum Lavender Highlighter Warm Gray Off White R: 22 R: 52 R: 92 R: 133 R: 203 R: [ ] R: 239 R: 252 B: 5 B: 21 B: 34 B: 46 B: 190 B: [ ] B: 237 B: 251 G: 43 G: 92 G: 93 G: 242 G: 255 G: [ ] G: 236 G: 253 3Q 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,” “preliminary,” “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, capital, 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
#16052B #2B114B #650360 #852EF2 #CBBEFF #DBFF82 #EFEDEC #FCFBFD Midnight Indigo OG Plum Vivid Plum Lavender Highlighter Warm Gray Off White R: 22 R: 52 R: 92 R: 133 R: 203 R: [ ] R: 239 R: 252 B: 5 B: 21 B: 34 B: 46 B: 190 B: [ ] B: 237 B: 251 G: 43 G: 92 G: 93 G: 242 G: 255 G: [ ] G: 236 G: 253 3Q 2026 Preliminary Results GAAP and Core Results: Quarterly Quarterly Trend ($ millions; except per share data) 3Q 26 2Q 26 1Q 26 4Q 25 3Q 25 GAAP net income (loss) attributable to common shareholders (NIAC) $ 401 $ 367 $ 291 $ 300 $ 371 (1)(2) Core net income attributable to common shareholders $ 412 $ 375 $ 346 $ 3 41 $ 363 GAAP earnings per common share (EPS)(basic or diluted as applicable, NIAC) $ 1.30 $ 1.18 $ 0.93 $ 0.95 $ 1.18 (1)(2) Adjusted EPS $ 1.34 $ 1 .21 $ 1 .11 $ 1.09 $ 1.15 Return on GAAP common shareholders' equity 12.1% 11.0% 8.8% 9.2% 11.9% (1)(2) Core ROTCE 13.1% 11.8% 11.1% 11.1% 12.3% GAAP common shareholders' equity per share $ 43.24 $ 4 4.38 $ 43.22 $ 42.70 $ 4 1.56 (1)(2) Adjusted tangible book value per share (Adjusted TBVPS) $ 4 1.00 $ 42.12 $ 40.93 $ 40.38 $ 3 9.19 Efficiency ratio 53.0% 57.7% 58.8% 58.9% 57.2% (1)(2) Adjusted efficiency ratio 45.7% 48.7% 50.8% 50.8% 50.0% GAAP total net revenue $ 2 ,332 $ 2,286 $ 2,102 $ 2 ,123 $ 2,168 (1)(2) Adjusted total net revenue $ 2,346 $ 2,276 $ 2,179 $ 2,165 $ 2,157 Effective tax rate 23.6% 23.6% 20.3% 15.3% 22.4% (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
#16052B #2B114B #650360 #852EF2 #CBBEFF #DBFF82 #EFEDEC #FCFBFD Midnight Indigo OG Plum Vivid Plum Lavender Highlighter Warm Gray Off White R: 22 R: 52 R: 92 R: 133 R: 203 R: [ ] R: 239 R: 252 B: 5 B: 21 B: 34 B: 46 B: 190 B: [ ] B: 237 B: 251 G: 43 G: 92 G: 93 G: 242 G: 255 G: [ ] G: 236 G: 253 3Q 2026 Preliminary Results Quarterly Highlights Focused Strategy, Stronger Results GAAP Net (2) GAAP EPS GAAP Pre-Tax Return on Equity NIM ex. OID Revenue $1.30 $567 12.1% $2.3B 3.66% Adjusted Net (1) (1) (1) Adjusted EPS Core Pre-Tax Core ROTCE CET1 (1) Revenue $1.34 $581 13.1% $2.3B 10.2% ↑ 16% YoY↑ 16% YoY↑ 80bps YoY↑ 9% YoY↑ 10bps YoY 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.
#16052B #2B114B #650360 #852EF2 #CBBEFF #DBFF82 #EFEDEC #FCFBFD Midnight Indigo OG Plum Vivid Plum Lavender Highlighter Warm Gray Off White R: 22 R: 52 R: 92 R: 133 R: 203 R: [ ] R: 239 R: 252 B: 5 B: 21 B: 34 B: 46 B: 190 B: [ ] B: 237 B: 251 G: 43 G: 92 G: 93 G: 242 G: 255 G: [ ] G: 236 G: 253 3Q 2026 Preliminary Results Market Leading Franchises Dealer Financial Services Corporate Finance Auto Finance Insurance 25+ Year History $12.9B 4.8M 7K 4.1M 8.1% 22% Consumer Consumer U.S. & Canadian Active F&I and Gross Revenue Return on (2) Originations Applications Dealer Relationships P&C Policies Yield Equity 9.44% 44% 2.3 3% 100% <1% Retail Auto Retail S-Tier U.S. F&I Products Sold YoY Avg. Dealer % of Portfolio % Loans (1) Originated Yield Originations per Dealer Inventory Growth First-Lien Non-Accrual Consumer Applications Written Premiums Held-for-Investment Balances ($ millions) (EOP) 4.8M $15.8B $388 $385 $384 4.0M $11.3B $335 3.7M $10.6B 3.6M $10.3B 3Q’23 3Q’24 3Q’25 3Q’26 3Q’23 3Q’24 3Q’25 3Q’26 3Q’23 3Q’24 3Q’25 3Q’26 Largest, all-digital, direct U.S. bank $142B 70 Quarters 92% 86% (3) Retail Deposit Balances Consecutive Customer Growth % FDIC Insured % Deposit Funded Retail Deposits $142B Retail Deposit Balances | Primary Deposit Customers 3.6M $75B 1.4M 3Q’17 3Q’18 3Q’19 3Q’20 3Q‘21 3Q‘22 3Q‘23 3Q’24 3Q’25 3Q’26 Average Customer Balance $54K $39K 5 See page 23 for footnotes.
#16052B #2B114B #650360 #852EF2 #CBBEFF #DBFF82 #EFEDEC #FCFBFD Midnight Indigo OG Plum Vivid Plum Lavender Highlighter Warm Gray Off White R: 22 R: 52 R: 92 R: 133 R: 203 R: [ ] R: 239 R: 252 B: 5 B: 21 B: 34 B: 46 B: 190 B: [ ] B: 237 B: 251 G: 43 G: 92 G: 93 G: 242 G: 255 G: [ ] G: 236 G: 253 3Q 2026 Preliminary Results 3Q 2026 Financial Results Consolidated Income Statement - Quarterly Results Increase / (Decrease) vs. ($ millions; except per share data) 3Q 26 2Q 26 3Q 25 2Q 26 3Q 25 Net financing revenue $ 1 ,748 $ 1,684 $ 1,584 $ 64 $ 1 64 (1) 20 19 17 1 3 Core OID (1) 1,768 1,703 1,601 65 167 Net financing revenue (ex. Core OID) Other revenue $ 584 $ 6 02 $ 584 $ ( 18) $ - (2) - - - - - Repositioning items (2) (5) (29) (27) 24 22 Change in fair value of equity securities (1) Adjusted other revenue 579 573 557 6 22 Provision for credit losses $ 529 $ 4 30 $ 415 $ 99 $ 114 Memo: Net charge-offs 423 394 395 29 28 Memo: Provision build / (release) 106 36 20 70 86 (2) - - - - - Repositioning items (1) 529 430 4 15 99 114 Adjusted provision for credit losses Noninterest expense $ 1,236 $ 1,319 $ 1,240 $ (83) $ (4) (2) - - - - - Repositioning items (1) 1 ,236 1,319 1,240 (83) ( 4) Adjusted noninterest expense Pre-tax income (loss) $ 567 $ 537 $ 513 $ 30 $ 54 Income tax expense / (benefit) 134 127 115 7 19 Net income (loss) from discontinued operations - - - - - Net income (loss) $ 433 $ 4 10 $ 398 $ 23 $ 35 Preferred dividends 32 43 27 (11) 5 Net income (loss) attributable to common shareholders $ 401 $ 367 $ 3 71 $ 34 $ 30 GAAP EPS (basic or diluted as applicable, NIAC) $ 1.30 $ 1 .18 $ 1 .18 $ 0.12 $ 0 .12 (1) 0.05 0.05 0.04 0 .00 0 .01 Core OID, net of tax (2) (0.01) (0.07) (0.07) 0 .06 0.06 Change in fair value of equity securities, net of tax (2) - - - - - Repositioning, discontinued ops., and other, net of tax - - - - - Significant discrete tax items - 0.05 - (0.05) - Capital Actions (preferred redemption) (1) $ 1.34 $ 1.21 $ 1.15 $ 0.13 $ 0.18 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. Refer to applicable SEC filings for detail on historical repositioning. 6
#16052B #2B114B #650360 #852EF2 #CBBEFF #DBFF82 #EFEDEC #FCFBFD Midnight Indigo OG Plum Vivid Plum Lavender Highlighter Warm Gray Off White R: 22 R: 52 R: 92 R: 133 R: 203 R: [ ] R: 239 R: 252 B: 5 B: 21 B: 34 B: 46 B: 190 B: [ ] B: 237 B: 251 G: 43 G: 92 G: 93 G: 242 G: 255 G: [ ] G: 236 G: 253 3Q 2026 Preliminary Results Balance Sheet and Net Interest Margin Further margin expansion fueled by accretive growth and disciplined deposit pricing 3Q 2026 2Q 2026 3Q 2025 Average Average Average Yield Yield Yield Balance Balance Balance Retail Auto Loans (ex. hedge) $ 89,874 9.20% $ 87,535 9.25% $ 84,592 9.21% Memo: Impact from hedges 0.02% 0.03% 0.07% Retail Auto Loans (inc. hedge) $ 89,874 9.22% $ 87,535 9.28% $ 84,592 9.28% Auto Leases (net of depreciation) 8 ,496 5.16% 8 ,689 5.61% 8,255 6.70% Commercial Auto 25,234 5.78% 24,720 5.70% 21,119 6.19% Corporate Finance 14,786 7.30% 13,811 7.36% 1 1,085 8.59% (1) 14,870 3.12% 1 5,200 3.16% 16,458 3.14% Mortgage (2) 9,079 3.54% 8,931 3.57% 8 ,465 4.28% Cash and Cash Equivalents (3) Investment Securities & Other 2 9,394 3.46% 29,537 3.34% 2 8,756 3.47% Earning Assets $ 1 91,733 6.81% $ 188,423 6.80% $ 178,730 7.02% (3) 153,663 7.64% 150,356 7.67% 141,815 7.89% Total Loans and Leases (4) $ 154,197 3.12% $ 152,591 3.15% $ 1 47,660 3.50% Deposits Unsecured Debt 9,930 7.55% 9 ,846 7.61% 10,902 7.35% Secured Debt 3,161 4.99% 3 ,187 4.87% 1,780 5.41% (5) 10,253 4.01% 8,433 4.11% 4,590 4.26% Other Borrowings Funding Sources $ 177,541 3.45% $ 174,058 3.48% $ 164,932 3.80% NIM (as reported) 3.62% 3.59% 3.51% (6) $ 624 12.42% $ 643 11.72% $ 6 96 9.54% Core OID (6) 3.66% 3.63% 3.55% NIM (ex. Core OID) 7 See page 23 for footnotes.
#16052B #2B114B #650360 #852EF2 #CBBEFF #DBFF82 #EFEDEC #FCFBFD Midnight Indigo OG Plum Vivid Plum Lavender Highlighter Warm Gray Off White R: 22 R: 52 R: 92 R: 133 R: 203 R: [ ] R: 239 R: 252 B: 5 B: 21 B: 34 B: 46 B: 190 B: [ ] B: 237 B: 251 G: 43 G: 92 G: 93 G: 242 G: 255 G: [ ] G: 236 G: 253 3Q 2026 Preliminary Results Capital (1) • 3Q‘26 CET1 ratio of 10.2% and TCE / TA ratio of 6.3% Capital Ratios and Risk-Weighted Assets – Preliminary fully phased-in AOCI CET1 ratio of 8.8% under Total Capital 13.6% Revised Standardized Approach (RSA) 13.4% 13.4% 13.2% 13.2% Ratio 11.7% 11.6% 11.6% Tier 1 Ratio • $4.9B of CET1 capital above FRB requirement of 7.1% 11.4% 11.4% • Executed a $6B auto credit risk transfer transaction CET1 Ratio 10.2% 10.2% 10.1% 10.1% 10.2% generating ~25bps of capital at the time of issuance • Continued to execute on the story of “AND” not “or” – Maintained disciplined growth across core franchises, with Retail Auto and Corporate Finance loans up 12% YoY Risk- Weighted $151B $153B $155B $157B $158B Assets – Repurchased $178M of shares in 3Q 3Q 25 4Q 25 1Q 26 2Q 26 3Q 26 • 4Q’26 common dividend of $0.35 per share (1) Adjusted Tangible Book Value per Share Adjusted (1) TBV/Share $41 $40 $39 +5% $35 YoY $35 $35 $30 $29 $28 $28 $26 $24 $22 3Q 14 3Q 15 3Q 16 3Q 17 3Q 18 3Q 19 3Q 20 3Q 21 3Q 22 3Q 23 3Q 24 3Q 25 3Q 26 End of Period Shares Outstanding 480M 482M 475M 444M 417M 384M 374M 350M 300M 302M 305M 308M 301M 8 (1) Contains a Non-GAAP financial measure. See pages 19 – 21 for definitions.
#16052B #2B114B #650360 #852EF2 #CBBEFF #DBFF82 #EFEDEC #FCFBFD Midnight Indigo OG Plum Vivid Plum Lavender Highlighter Warm Gray Off White R: 22 R: 52 R: 92 R: 133 R: 203 R: [ ] R: 239 R: 252 B: 5 B: 21 B: 34 B: 46 B: 190 B: [ ] B: 237 B: 251 G: 43 G: 92 G: 93 G: 242 G: 255 G: [ ] G: 236 G: 253 3Q 2026 Preliminary Results Asset Quality (1) Net Charge-Offs (NCOs) Retail Auto Delinquencies (20bps) (21bps) (15bps) +1bps (36bps) YoY +6bps (18bps) (30bps) YoY YoY YoY (8bps) YoY (17bps) YoY YoY YoY YoY 2.14% Retail Auto 30+ DPD YoY 1.97% 5.25% 1.88% 1.89% NCO Rate Delinquency 1.57% 4.96% 4.90% 4.80% Rate (All-in) 4.60% Consolidated 4.24% 30+ DPD 1.34% 1.18% 1.21% 1.11% 1.17% 4.02% NCO Rate 3.93% Delinquency 3.89% (15bps) 3.69% (1) Rate +9bps (31bps) YoY (2bps) (10bps) YoY YoY YoY $452 Consolidated YoY $423 $417 NCOs ($M) $395 $394 60+ DPD Delinquency (1) Rate 1.14% 1.04% 1.10% 1.03% 0.97% 90+ DPD Delinquency 0.52% 0.50% 0.48% 0.48% 0.49% Rate 3Q 25 4Q 25 1Q 26 2Q 26 3Q 26 3Q 25 4Q 25 1Q 26 2Q 26 3Q 26 See page 22 for definition. (1) Includes accruing contracts only. Note: Excludes write-downs from mortgage loans transferred to HFS in 4Q 2025. Note: Days Past Due is abbreviated as (“DPD”). Consolidated Coverage Retail Auto Coverage ($ billions) ($ billions) 3.75% 3.75% 3.75% 3.75% 3.74% 2.57% 2.54% 2.53% 2.49% 2.49% $3.7 $3.6 $3.5 $3.5 $3.5 $3.4 $3.3 $3.3 $3.2 $3.2 3Q 25 4Q 25 1Q 26 2Q 26 3Q 26 3Q 25 4Q 25 1Q 26 2Q 26 3Q 26 9 Note: Coverage rate calculations exclude fair value adjustment for loans in hedge accounting relationships.
#16052B #2B114B #650360 #852EF2 #CBBEFF #DBFF82 #EFEDEC #FCFBFD Midnight Indigo OG Plum Vivid Plum Lavender Highlighter Warm Gray Off White R: 22 R: 52 R: 92 R: 133 R: 203 R: [ ] R: 239 R: 252 B: 5 B: 21 B: 34 B: 46 B: 190 B: [ ] B: 237 B: 251 G: 43 G: 92 G: 93 G: 242 G: 255 G: [ ] G: 236 G: 253 3Q 2026 Preliminary Results Auto Finance Increase / (Decrease) vs. • Auto pre-tax income of $337 million Key Financials ($ millions) 3Q 26 2Q 26 3Q 25 • Consumer originations of $12.9 billion, up $1.2 billion YoY Net financing revenue $ 1,328 $ 12 $ 15 driven by record 4.8 million applications Total other revenue 114 10 18 Total net revenue $ 1,442 $ 22 $ 33 – Originated yield of 9.44% reflecting pricing discipline amid benchmark Provision for credit losses 5 11 69 101 rate moves and a modest shift in mix (44% S-tier vs 47% in 2Q) (1) 594 26 16 Noninterest expense Pre-tax income $ 337 $ (73) $ (84) – Record passthrough volume, surpassing $1 billion of originations in 3Q U.S. Auto earning assets (EOP) $ 125,574 $ 2,177 $ 10,182 • Provision expense of $511 million, up $101 million YoY reflects Key Statistics CECL reserve build associated with strong asset growth in the quarter and stabilization in credit trends Remarketing gains (losses) ($ millions) $ (16) $ (14) $ (17) Average gain (loss) per vehicle $ (914) $ ( 832) $ (967) – Macroeconomic environment remains fluid, warranting continued Off-lease vehicles terminated (# units) 17,494 (2,016) (4,114) underwriting and pricing discipline Application volume (# thousands) 4,805 253 8 13 Retail Auto Yield Trend Consumer Application & Origination Trend S-Tier 47% Applications Origination 44% 42% 42% 41% 4.8M Mix +20% 4.6M 4.4M YoY 4.0M Estimated 3.8M 9.72% 9.62% 9.60% Originated 9.44% $13.3 $12.9 (2) 9.09% Yield $11.7 $11.5 Consumer 9.32% $10.8 9.30% Hedge 9.28% 9.28% 9.22% Originations Impact ($ billions) +10% Portfolio YoY Yield 9.21% 9.27% 9.27% 9.25% 9.20% ex. hedge 3Q 25 4Q 25 1Q 26 2Q 26 3Q 26 3Q 25 4Q 25 1Q 26 2Q 26 3Q 26 Retail Weighted Average FICO 708 706 703 713 709 10 See page 23 for footnotes.
#16052B #2B114B #650360 #852EF2 #CBBEFF #DBFF82 #EFEDEC #FCFBFD Midnight Indigo OG Plum Vivid Plum Lavender Highlighter Warm Gray Off White R: 22 R: 52 R: 92 R: 133 R: 203 R: [ ] R: 239 R: 252 B: 5 B: 21 B: 34 B: 46 B: 190 B: [ ] B: 237 B: 251 G: 43 G: 92 G: 93 G: 242 G: 255 G: [ ] G: 236 G: 253 3Q 2026 Preliminary Results Insurance Increase / (Decrease) vs. • Insurance pre-tax income of $80 million and core pre-tax Key Financials ($ millions) 3Q 26 2Q 26 3Q 25 (1) income of $75 million Premiums, service revenue earned and other income $ 369 $ (4) $ 5 VSC losses 28 (2) ( 6) – $369 million of earned premiums, up $5 million YoY Weather losses 22 (77) - All other losses 85 6 - • Insurance losses of $135 million, down $6 million YoY Losses and loss adjustment expenses 135 (73) ( 6) (2) Acquisition and underwriting expenses 230 4 (3) • Written premiums of $388 million, up 1% YoY Total underwriting income/(loss) 4 65 14 Investment income and other 76 (38) (13) – Increased dealer engagement and strong execution continue to Pre-tax income (loss) $ 80 $ 27 $ 1 (3) (5) 24 22 drive written premium growth Change in fair value of equity securities (1) $ 75 $ 51 $ 23 Core pre-tax income (loss) – Leveraging synergies with auto dealer network to deliver a Total assets (EOP) $ 9,925 $ (106) $ 77 complementary product suite aligned with all-in value proposition Key Statistics - Insurance Ratios 3Q 26 2Q 26 3Q 25 Loss ratio 36.6% 56.0% 38.7% (4) • Reaffirmed AM Best A rating , reflecting strong balance Underwriting expense ratio 62.1% 60.7% 63.9% sheet and confidence in financial strength Combined ratio 98.6% 116.7% 102.6% Written Premiums Insurance Losses ($ millions) ($ millions) $208 $389 $388 $385 $384 $382 $21 $21 P&C Premium $108 $111 $110 $130 $127 $141 $135 $37 $121 $111 $22 Other $29 $20 $25 GAP $25 $20 $21 $99 $43 $20 P&C non- $277 $277 F&I Premium $272 $36 $257 $259 weather $30 $32 $22 Weather $22 $16 $3 $34 VSC $32 $30 $29 $28 3Q 25 4Q 25 1Q 26 2Q 26 3Q 26 3Q 25 4Q 25 1Q 26 2Q 26 3Q 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.
#16052B #2B114B #650360 #852EF2 #CBBEFF #DBFF82 #EFEDEC #FCFBFD Midnight Indigo OG Plum Vivid Plum Lavender Highlighter Warm Gray Off White R: 22 R: 52 R: 92 R: 133 R: 203 R: [ ] R: 239 R: 252 B: 5 B: 21 B: 34 B: 46 B: 190 B: [ ] B: 237 B: 251 G: 43 G: 92 G: 93 G: 242 G: 255 G: [ ] G: 236 G: 253 3Q 2026 Preliminary Results Corporate Finance • Corporate Finance pre-tax income of $98 million – Provision expense of $20 million primarily driven by portfolio growth Increase / (Decrease) vs. Key Financials ($ millions) 3Q 26 2Q 26 3Q 25 • Business continues to deliver strong returns; 3Q ROE of 22% Net financing revenue $ 122 $ 6 $ 11 • Held-for-investment loans of $15.8 billion Other revenue 31 2 6 Total net revenue 1 53 8 17 – Well-diversified, high-quality, 100% first-lien, floating rate loans Provision for credit losses 20 32 12 (2) 35 - 2 Noninterest expense – Focus on responsible growth concentrated with existing partners; lead agent on the vast majority of new business originations in 3Q Pre-tax income $ 98 $ (24) $ 3 (3) (0) (0) (0) Change in fair value of equity securities • Disciplined credit and operational risk management (1) $ 98 $ (24) $ 3 Core pre-tax income – Defensively positioned first-out senior secured portfolio with Total assets (EOP) $ 16,143 $ 2,250 $ 4,800 significant equity capital behind our positions – Criticized assets and non-accrual loans of 8% and <1%, respectively HFI Balances by Lending Vertical $15.8B Specialty 29% $11.3B Finance $10.6B $10.3B $9.4B 26% 17% 20% 16% Private 45% Credit Finance 49% 45% 45% 50% Sponsor 26% 39% 34% Finance 29% 30% 3Q 22 3Q 23 3Q 24 3Q 25 3Q 26 (1) Non-GAAP financial measure. See pages 19 – 21 for definitions. 12 See page 23 for additional footnotes.
#16052B #2B114B #650360 #852EF2 #CBBEFF #DBFF82 #EFEDEC #FCFBFD Midnight Indigo OG Plum Vivid Plum Lavender Highlighter Warm Gray Off White R: 22 R: 52 R: 92 R: 133 R: 203 R: [ ] R: 239 R: 252 B: 5 B: 21 B: 34 B: 46 B: 190 B: [ ] B: 237 B: 251 G: 43 G: 92 G: 93 G: 242 G: 255 G: [ ] G: 236 G: 253 3Q 2026 Preliminary Results 2026 Financial Outlook Revised outlook reflects confidence in achieving or exceeding 2026 targets 2026 Guidance Net Interest Margin 3.60% - 3.65% (1) 9.30 fwd curve (ex. OID) Adjusted Other ↑ 2% - 4% (1) Revenue 1.8% – 2.0% Retail Auto NCO Tracking toward midpoint 1.2% - 1.3% Consolidated NCO Tracking toward low-end Adjusted Noninterest Flat - ↑ 1% (1) Expense Average Earning ↑ 5% - 6% Assets (2) 20% - 22% Tax Rate (1) Non-GAAP financial measures. See pages 19 – 21 for definitions. 13 (2) Assumes statutory U.S. Federal tax rate of 21%.
#16052B #2B114B #650360 #852EF2 #CBBEFF #DBFF82 #EFEDEC #FCFBFD Midnight Indigo OG Plum Vivid Plum Lavender Highlighter Warm Gray Off White R: 22 R: 52 R: 92 R: 133 R: 203 R: [ ] R: 239 R: 252 B: 5 B: 21 B: 34 B: 46 B: 190 B: [ ] B: 237 B: 251 G: 43 G: 92 G: 93 G: 242 G: 255 G: [ ] G: 236 G: 253 3Q 2026 Preliminary Results Supplemental
#16052B #2B114B #650360 #852EF2 #CBBEFF #DBFF82 #EFEDEC #FCFBFD Midnight Indigo OG Plum Vivid Plum Lavender Highlighter Warm Gray Off White R: 22 R: 52 R: 92 R: 133 R: 203 R: [ ] R: 239 R: 252 B: 5 B: 21 B: 34 B: 46 B: 190 B: [ ] B: 237 B: 251 G: 43 G: 92 G: 93 G: 242 G: 255 G: [ ] G: 236 G: 253 3Q 2026 Preliminary Results Supplemental Results by Segment Results by Segment and GAAP to Core Pre-tax income Walk QUARTERLY TREND Increase / (Decrease) vs. ($ millions) 3Q 26 2Q 26 3Q 25 2Q 26 3Q 25 Automotive Finance $ 337 $ 4 10 $ 4 21 $ (73) $ (84) Insurance 80 53 79 27 1 Dealer Financial Services $ 417 $ 463 $ 500 $ ( 46) $ (83) Corporate Finance 98 122 95 (24) 3 Corporate and Other 52 (48) ( 82) 1 00 134 Pre-tax income (loss) $ 567 $ 5 37 $ 513 $ 30 $ 54 (1) 20 19 17 1 3 Core OID (2) Change in fair value of equity securities (5) (29) (27) 24 22 (1) $ 581 $ 527 $ 502 $ 55 $ 79 Core Pre-tax income Insurance - GAAP to Core Walk GAAP Pre-tax income (loss) $ 80 $ 53 $ 79 $ 27 $ 1 (3) (5) (29) ( 27) 24 22 Core Adjustments Core Pre-tax income (loss) $ 75 $ 24 $ 52 $ 51 $ 23 Corporate Finance - GAAP to Core Walk GAAP Pre-tax income (loss) $ 98 $ 1 22 $ 95 $ ( 24) $ 3 (3) (0) 0 0 (0) (0) Core Adjustments Core Pre-tax income (loss) $ 98 $ 1 22 $ 95 $ ( 24) $ 3 Corporate & Other - GAAP to Core Walk GAAP Pre-tax income (loss) $ 52 $ (48) $ ( 82) $ 100 $ 1 34 (3) Core Adjustments 20 19 17 1 3 Core Pre-tax income (loss) $ 72 $ ( 29) $ ( 65) $ 1 01 $ 137 Numbers may not foot due to rounding (1) Non-GAAP financial measure. See pages 19 – 21 for definitions. See page 24 for additional footnotes. 15
#16052B #2B114B #650360 #852EF2 #CBBEFF #DBFF82 #EFEDEC #FCFBFD Midnight Indigo OG Plum Vivid Plum Lavender Highlighter Warm Gray Off White R: 22 R: 52 R: 92 R: 133 R: 203 R: [ ] R: 239 R: 252 B: 5 B: 21 B: 34 B: 46 B: 190 B: [ ] B: 237 B: 251 G: 43 G: 92 G: 93 G: 242 G: 255 G: [ ] G: 236 G: 253 3Q 2026 Preliminary Results Supplemental Corporate and Other ($ millions) Increase / (Decrease) vs. • Corporate and Other includes the impacts of Ally Invest and Key Financials 3Q 26 2Q 26 3Q 25 Mortgage Net financing revenue $ 256 $ 42 $ 129 36 16 (7) Total other revenue • Pre-tax income of $52 million and Core pre-tax income of 292 58 122 Total net revenue (1) $72 million (2) (2) 1 Provision for credit losses Noninterest expense 2 42 (40) (13) – Net financing revenue of $256 million, up $129 million YoY Pre-tax income (loss) $ 52 $ 100 $ 134 (1) 20 1 3 Core OID (2) – Other revenue of $36 million, down $7 million YoY - - - Repositioning items (3) - - - Change in fair value of equity securities (1) – Noninterest expense of $242 million, down $13 million YoY $ 72 $ 101 $ 137 Core pre-tax income (loss) Cash & securities $ 29,329 $ (994) $ (3,053) • Total assets of $53.5 billion, down $3.3 billion YoY 14,868 (324) (1,602) Held-for-investment loans, net (4) (865) (51) (169) Intercompany loan – Mortgage HFI assets down $1.6 billion YoY Other 10,200 5 92 1,562 Total assets $ 53,532 $ (777) $ (3,262) Retail CD Maturity Schedule Ally Financial Ratings Details (as of 9/30/2026) LT Debt ST Debt Outlook $8B $7B $7B $7B Fitch BBB- F3 Positive $5B Moody's Baa3 P-3 Stable S&P BBB- A-3 Stable 3Q 2026 4Q 2026 1Q 2027 2Q 2027 3Q 2027 DBRS BBB R-2 (high) Stable Weighted Average Maturity Rate Note: Ratings as of 9/30/2026. Our borrowing costs & access to the capital markets could be negatively 3.8% 3.7% 3.7% 3.7% 3.8% impacted if our credit ratings are downgraded or otherwise fail to meet investor expectations or demands. (1) Non-GAAP financial measure. See pages 19 – 21 for definitions. See page 24 for additional footnotes. 16
#16052B #2B114B #650360 #852EF2 #CBBEFF #DBFF82 #EFEDEC #FCFBFD Midnight Indigo OG Plum Vivid Plum Lavender Highlighter Warm Gray Off White R: 22 R: 52 R: 92 R: 133 R: 203 R: [ ] R: 239 R: 252 B: 5 B: 21 B: 34 B: 46 B: 190 B: [ ] B: 237 B: 251 G: 43 G: 92 G: 93 G: 242 G: 255 G: [ ] G: 236 G: 253 3Q 2026 Preliminary Results Supplemental Funding and Liquidity Funding Composition Total Available Liquidity (End of Period) ($ billions) Secured Debt Cash and Cash Equivalents Unsecured Debt FHLB Unused Pledged Borrowing Capacity FHLB / Other Unencumbered Highly Liquid Securities Total Deposits FRB Discount Window Pledged Capacity $66.6 $66.1 $65.8 $62.8 $61.2 $9.5 $9.7 $8.9 $7.5 $7.5 $9.5 $10.3 $9.1 $7.5 $6.4 $20.6 $19.4 $20.3 $20.4 $19.9 88% 88% 87% 87% 86% $27.9 $26.9 $26.9 $27.0 $27.2 3Q 25 4Q 25 1Q 26 2Q 26 3Q 26 3Q 25 4Q 25 1Q 26 2Q 26 3Q 26 (1) Loan to Deposit Ratio Available Liquidity vs. Uninsured Deposits 97% 97% 97% 99% 100% 5.8x 5.6x 5.4x 5.3x 5.2x (1) Total loans and leases divided by total deposits. 17
#16052B #2B114B #650360 #852EF2 #CBBEFF #DBFF82 #EFEDEC #FCFBFD Midnight Indigo OG Plum Vivid Plum Lavender Highlighter Warm Gray Off White R: 22 R: 52 R: 92 R: 133 R: 203 R: [ ] R: 239 R: 252 B: 5 B: 21 B: 34 B: 46 B: 190 B: [ ] B: 237 B: 251 G: 43 G: 92 G: 93 G: 242 G: 255 G: [ ] G: 236 G: 253 3Q 2026 Preliminary Results Supplemental Interest Rate Risk (1) Net Financing Revenue Sensitivity Analysis ($ millions) 3Q 26 2Q 26 (2) (2) Gradual Instantaneous Gradual Instantaneous -100 bp $ 3 $ 72 $ 3 $ 86 +100 bp $ (6) $ (139) $ (10) $ (149) (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 3Q 26 4Q 26 1Q 27 2Q 27 3Q 27 4Q 27 1Q 28 2Q 28 3Q 28 Effective Hedge Average Notional Outstanding $8B $7B $6B $3B $1B $1B $1B $1B $1B Average Pay Fixed Rates 3.5% 3.4% 3.4% 3.3% 4.3% 4.3% 4.3% 4.3% 4.3% Fair Value Hedging on Fixed-Rate Investment Securities 3Q 26 4Q 26 1Q 27 2Q 27 3Q 27 4Q 27 1Q 28 2Q 28 3Q 28 Effective Hedge Average Notional Outstanding $12B $12B $11B $11B $10B $10B $8B $8B $8B Average Pay-Fixed Rates 3.6% 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
#16052B #2B114B #650360 #852EF2 #CBBEFF #DBFF82 #EFEDEC #FCFBFD Midnight Indigo OG Plum Vivid Plum Lavender Highlighter Warm Gray Off White R: 22 R: 52 R: 92 R: 133 R: 203 R: [ ] R: 239 R: 252 B: 5 B: 21 B: 34 B: 46 B: 190 B: [ ] B: 237 B: 251 G: 43 G: 92 G: 93 G: 242 G: 255 G: [ ] G: 236 G: 253 3Q 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
#16052B #2B114B #650360 #852EF2 #CBBEFF #DBFF82 #EFEDEC #FCFBFD Midnight Indigo OG Plum Vivid Plum Lavender Highlighter Warm Gray Off White R: 22 R: 52 R: 92 R: 133 R: 203 R: [ ] R: 239 R: 252 B: 5 B: 21 B: 34 B: 46 B: 190 B: [ ] B: 237 B: 251 G: 43 G: 92 G: 93 G: 242 G: 255 G: [ ] G: 236 G: 253 3Q 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 shareholders' 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
#16052B #2B114B #650360 #852EF2 #CBBEFF #DBFF82 #EFEDEC #FCFBFD Midnight Indigo OG Plum Vivid Plum Lavender Highlighter Warm Gray Off White R: 22 R: 52 R: 92 R: 133 R: 203 R: [ ] R: 239 R: 252 B: 5 B: 21 B: 34 B: 46 B: 190 B: [ ] B: 237 B: 251 G: 43 G: 92 G: 93 G: 242 G: 255 G: [ ] G: 236 G: 253 3Q 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 shareholders’ 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
#16052B #2B114B #650360 #852EF2 #CBBEFF #DBFF82 #EFEDEC #FCFBFD Midnight Indigo OG Plum Vivid Plum Lavender Highlighter Warm Gray Off White R: 22 R: 52 R: 92 R: 133 R: 203 R: [ ] R: 239 R: 252 B: 5 B: 21 B: 34 B: 46 B: 190 B: [ ] B: 237 B: 251 G: 43 G: 92 G: 93 G: 242 G: 255 G: [ ] G: 236 G: 253 3Q 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
#16052B #2B114B #650360 #852EF2 #CBBEFF #DBFF82 #EFEDEC #FCFBFD Midnight Indigo OG Plum Vivid Plum Lavender Highlighter Warm Gray Off White R: 22 R: 52 R: 92 R: 133 R: 203 R: [ ] R: 239 R: 252 B: 5 B: 21 B: 34 B: 46 B: 190 B: [ ] B: 237 B: 251 G: 43 G: 92 G: 93 G: 242 G: 255 G: [ ] G: 236 G: 253 3Q 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) Includes interest expense related to margin received on derivative contracts. Excluding this expense, annualized yields were 3.63% for 3Q’26, 3.62% for 2Q’26, and 4.28% for 3Q’25. (3) Includes Community Reinvestment Act and other held-for-sale (HFS) loans. (4) Includes retail, brokered, and other deposits (inclusive of sweep deposits, mortgage escrow, and other deposits). (5) Includes FHLB borrowings and Repurchase Agreements. (6) Calculated using a Non-GAAP financial measure. See pages 19 – 21 for definitions. Page – 10 | Auto Finance (1) Noninterest expense includes corporate allocations of $205 million in 3Q 2026, $193 million in 2Q 2026, and $197 million in 3Q 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 $25 million in 3Q 2026, $24 million in 2Q 2026, and $24 million in 3Q 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. (4) AM Best (Alfred M. Best) rating is an independent evaluation of an insurance company’s financial strength and capital adequacy. Page – 12 | Corporate Finance (2) Noninterest expense includes corporate allocations of $12 million in 3Q 2026, $12 million in 2Q 2026, and $11 million in 3Q 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
#16052B #2B114B #650360 #852EF2 #CBBEFF #DBFF82 #EFEDEC #FCFBFD Midnight Indigo OG Plum Vivid Plum Lavender Highlighter Warm Gray Off White R: 22 R: 52 R: 92 R: 133 R: 203 R: [ ] R: 239 R: 252 B: 5 B: 21 B: 34 B: 46 B: 190 B: [ ] B: 237 B: 251 G: 43 G: 92 G: 93 G: 242 G: 255 G: [ ] G: 236 G: 253 3Q 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) 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) Intercompany loan related to activity between Insurance and Corporate. 24
#16052B #2B114B #650360 #852EF2 #CBBEFF #DBFF82 #EFEDEC #FCFBFD Midnight Indigo OG Plum Vivid Plum Lavender Highlighter Warm Gray Off White R: 22 R: 52 R: 92 R: 133 R: 203 R: [ ] R: 239 R: 252 B: 5 B: 21 B: 34 B: 46 B: 190 B: [ ] B: 237 B: 251 G: 43 G: 92 G: 93 G: 242 G: 255 G: [ ] G: 236 G: 253 3Q 2026 Preliminary Results Supplemental GAAP to Core: Adjusted EPS Adjusted Earnings per Share ( Adjusted EPS ) QUARTERLY TREND 3Q 26 2Q 26 1Q 26 4Q 25 3Q 25 Numerator ($ millions) GAAP net income (loss) attributable to common shareholders $ 401 $ 367 $ 291 $ 300 $ 371 Discontinued operations, net of tax - - - - - Core OID 20 19 18 17 17 Repositioning Items - - (7) 59 - Change in fair value of equity securities (5) ( 29) 59 (2) (27) Tax-effected Core OID, Repo & changes in fair value of equity securities (3) 2 (15) (16) 2 (assumes 21% tax rate) Significant discrete tax items - - - (18) - Capital actions (preferred redemption) - 15 - - - Core net income attributable to common shareholders [a] $ 412 $ 375 $ 346 $ 341 $ 363 Denominator [b] Weighted-average common shares outstanding - (basic or diluted as applicable, thousands) 308,133 311,035 313,219 314,264 313,823 Metric GAAP EPS $ 1.30 $ 1.18 $ 0.93 $ 0.95 $ 1.18 Discontinued operations, net of tax - - - - - Core OID 0.06 0.06 0.06 0.06 0.05 Repositioning Items - - (0.02) 0.19 - Change in fair value of equity securities ( 0.02) ( 0.09) 0.19 (0.00) ( 0.09) Tax on Core OID, Repo & change in fair value of equity securities (0.01) 0.01 ( 0.05) ( 0.05) 0.01 (assumes 21% tax rate) Significant discrete tax items - - - (0.06) - Capital Actions (preferred redemption) - 0.05 - - - Adjusted EPS [a] / [b] $ 1.34 $ 1 .21 $ 1.11 $ 1.09 $ 1.15 Numbers may not foot due to rounding 25
#16052B #2B114B #650360 #852EF2 #CBBEFF #DBFF82 #EFEDEC #FCFBFD Midnight Indigo OG Plum Vivid Plum Lavender Highlighter Warm Gray Off White R: 22 R: 52 R: 92 R: 133 R: 203 R: [ ] R: 239 R: 252 B: 5 B: 21 B: 34 B: 46 B: 190 B: [ ] B: 237 B: 251 G: 43 G: 92 G: 93 G: 242 G: 255 G: [ ] G: 236 G: 253 3Q 2026 Preliminary Results Supplemental GAAP to Core: Core ROTCE Core Return on Tangible Common Equity ( Core ROTCE ) QUARTERLY TREND 3Q 26 2Q 26 1Q 26 4Q 25 3Q 25 Numerator ($ millions) GAAP net income (loss) attributable to common shareholders $ 401 $ 3 67 $ 291 $ 300 $ 371 Discontinued operations, net of tax - - - - - Core OID 20 19 18 17 17 Repositioning Items - - (7) 59 - Change in fair value of equity securities (5) (29) 59 (2) (27) Tax on Core OID, Repo & change in fair value of equity securities (3) 2 (15) (16) 2 (assumes 21% tax rate) Significant discrete tax items & other - - - (18) - Capital actions (preferred redemption) - 15 - - - Core net income attributable to common shareholders [a] $ 412 $ 375 $ 346 $ 341 $ 363 Denominator (Average, $ billions) GAAP shareholders' equity $ 15.2 $ 15.6 $ 15.6 $ 15.3 $ 14.8 less: Preferred equity (2.0) (2.2) (2.3) (2.3) (2.3) GAAP common shareholders' equity $ 13.3 $ 13.4 $ 13.2 $ 13.0 $ 12.5 Goodwill & identifiable intangibles, net of deferred tax liabilities ( DTLs ) (0.2) (0.2) (0.2) (0.2) (0.2) Tangible common equity $ 13.1 $ 13.2 $ 13.0 $ 12.8 $ 12.3 Tax-effected Core OID balance (0.5) (0.5) (0.5) (0.5) (0.6) (assumes 21% tax rate) per share Adjusted Tangible Common Equity [b] $ 12.6 $ 12.7 $ 12.5 $ 12.3 $ 11.8 Core Return on Tangible Common Equity [a] / [b] 13.1% 11.8% 11.1% 11.1% 12.3% Numbers may not foot due to rounding 26
#16052B #2B114B #650360 #852EF2 #CBBEFF #DBFF82 #EFEDEC #FCFBFD Midnight Indigo OG Plum Vivid Plum Lavender Highlighter Warm Gray Off White R: 22 R: 52 R: 92 R: 133 R: 203 R: [ ] R: 239 R: 252 B: 5 B: 21 B: 34 B: 46 B: 190 B: [ ] B: 237 B: 251 G: 43 G: 92 G: 93 G: 242 G: 255 G: [ ] G: 236 G: 253 3Q 2026 Preliminary Results Supplemental GAAP to Core: Adjusted TBVPS Adjusted Tangible Book Value per Share ( Adjusted TBVPS ) QUARTERLY TREND 3Q 26 2Q 26 1Q 26 4Q 25 3Q 25 Numerator ($ billions) GAAP shareholders' equity $ 15.0 $ 15.5 $ 15.6 $ 15.5 $ 15.1 less: Preferred equity (2.0) (2.0) (2.3) (2.3) (2.3) GAAP common shareholders' equity $ 13.0 $ 13.5 $ 1 3.3 $ 13.2 $ 12.8 Goodwill and identifiable intangibles, net of DTLs (0.2) (0.2) (0.2) (0.2) (0.2) Tangible common equity 12.8 13.3 13.1 13.0 12.6 Tax-effected Core OID balance (0.5) (0.5) (0.5) (0.5) (0.5) (assumes 21% tax rate) [a] Adjusted tangible book value $ 1 2.3 $ 12.8 $ 12.6 $ 12.5 $ 12.1 Denominator [b] Issued shares outstanding (period-end, thousands) 300,538 304,543 307,408 308,493 307,828 Metric GAAP shareholders' equity per share $ 49.8 $ 50.9 $ 5 0.8 $ 50.2 $ 49.1 less: Preferred equity per share (6.6) ( 6.5) (7.6) (7.5) (7.5) GAAP common shareholders' equity per share $ 43.2 $ 44.4 $ 43.2 $ 42.7 $ 41.6 Goodwill and identifiable intangibles, net of DTLs per share ( 0.6) ( 0.6) ( 0.6) ( 0.6) ( 0.6) Tangible common equity per share 42.6 43.8 42.6 42.1 41.0 Tax-effected Core OID balance ( 1.6) ( 1.6) (1.7) (1.7) (1.8) (assumes 21% tax rate) per share Adjusted tangible book value per share [a] / [b] $ 41.0 $ 42.1 $ 40.9 $ 4 0.4 $ 39.2 Numbers may not foot due to rounding 27
#16052B #2B114B #650360 #852EF2 #CBBEFF #DBFF82 #EFEDEC #FCFBFD Midnight Indigo OG Plum Vivid Plum Lavender Highlighter Warm Gray Off White R: 22 R: 52 R: 92 R: 133 R: 203 R: [ ] R: 239 R: 252 B: 5 B: 21 B: 34 B: 46 B: 190 B: [ ] B: 237 B: 251 G: 43 G: 92 G: 93 G: 242 G: 255 G: [ ] G: 236 G: 253 3Q 2026 Preliminary Results Supplemental GAAP to Core: Adjusted Efficiency Ratio Adjusted Efficiency Ratio QUARTERLY TREND 3Q 26 2Q 26 1Q 26 4Q 25 3Q 25 Numerator ($ millions) GAAP noninterest expense $ 1 ,236 $ 1 ,319 $ 1,235 $ 1 ,250 $ 1,240 Insurance expense (365) ( 434) (350) ( 335) ( 374) Repositioning items - - - ( 31) - Adjusted noninterest expense for efficiency ratio [a] $ 871 $ 885 $ 885 $ 884 $ 8 66 Denominator ($ millions) Total net revenue $ 2,332 $ 2 ,286 $ 2,102 $ 2 ,123 $ 2,168 Core OID 20 19 18 17 17 Repositioning items - - 0 27 - Insurance revenue ( 445) (487) ( 378) ( 426) ( 453) Adjusted net revenue for the efficiency ratio [b] $ 1,907 $ 1,818 $ 1,742 $ 1,741 $ 1 ,732 Adjusted Efficiency Ratio [a] / [b] 45.7% 48.7% 50.8% 50.8% 50.0% Numbers may not foot due to rounding 28
#16052B #2B114B #650360 #852EF2 #CBBEFF #DBFF82 #EFEDEC #FCFBFD Midnight Indigo OG Plum Vivid Plum Lavender Highlighter Warm Gray Off White R: 22 R: 52 R: 92 R: 133 R: 203 R: [ ] R: 239 R: 252 B: 5 B: 21 B: 34 B: 46 B: 190 B: [ ] B: 237 B: 251 G: 43 G: 92 G: 93 G: 242 G: 255 G: [ ] G: 236 G: 253 3Q 2026 Preliminary Results Supplemental Non-GAAP Reconciliations QUARTERLY TREND Net Financing Revenue (ex. Core OID) 3Q 26 2Q 26 1Q 26 4Q 25 3Q 25 GAAP Net Financing Revenue $ 1,748 $ 1,684 $ 1,589 $ 1 ,598 $ 1,584 Core OID 20 19 18 17 17 Net Financing Revenue (ex. Core OID) [a] $ 1,768 $ 1,703 $ 1,607 $ 1,615 $ 1 ,601 Adjusted Other Revenue GAAP Other Revenue $ 584 $ 602 $ 5 13 $ 525 $ 584 Accelerated OID & repositioning items - - 0 27 - Change in fair value of equity securities (5) (29) 59 (2) ( 27) Adjusted Other Revenue [b] $ 579 $ 573 $ 572 $ 550 $ 557 Adjusted Total Net Revenue Adjusted Total Net Revenue [a]+[b] $ 2 ,346 $ 2,276 $ 2,179 $ 2,165 $ 2,157 Adjusted Provision for Credit Losses GAAP Provision for Credit Losses $ 529 $ 430 $ 467 $ 4 87 $ 415 Repositioning - - 7 (1) - Adjusted Provision for Credit Losses $ 529 $ 430 $ 474 $ 486 $ 415 Adjusted Noninterest Expense GAAP Noninterest Expense $ 1,236 $ 1,319 $ 1,235 $ 1,250 $ 1 ,240 Repositioning - - - (31) - Adjusted Noninterest Expense $ 1,236 $ 1,319 $ 1,235 $ 1,219 $ 1,240 Original issue discount amortization expense GAAP original issue discount amortization expense $ 21 $ 20 $ 19 $ 19 $ 19 Other OID (1) (1) (1) (2) (2) Core original issue discount (Core OID) amortization expense $ 20 $ 19 $ 18 $ 17 $ 17 Outstanding original issue discount balance GAAP outstanding original issue discount balance $ (628) $ (649) $ (670) $ ( 689) $ (708) Other outstanding OID balance 14 16 17 18 20 Core outstanding original issue discount balance (Core OID balance) $ (614) $ (634) $ (653) $ (671) $ (688) Numbers may not foot due to rounding 29
Exhibit 99.3 THIRD QUARTER 2026 FINANCIAL SUPPLEMENT
ALLY FINANCIAL INC. FORWARD-LOOKING STATEMENTS AND ADDITIONAL INFORMATION This document and related communications should be read in conjunction with the financial statements, notes, and other information contained in our Annual Reports on Form 10-K, Quarterly Reports on Form 10-Q, and Current Reports on Form 8-K. This information is preliminary and based on company and third-party data available at the time of the presentation or related communication. This document and related communications contain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These statements can be identified by the fact that they do not relate strictly to historical or current facts—such as statements about the outlook for financial and operating metrics and performance and future capital allocation and actions. Forward-looking statements often use words such as “believe,” “expect,” “anticipate,” “intend,” “pursue,” “seek,” “continue,” “estimate,” “project,” “preliminary,” “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, capital, 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
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
ALLY FINANCIAL INC. CONSOLIDATED FINANCIAL HIGHLIGHTS ($ in millions, shares in thousands) QUARTERLY TRENDS CHANGE VS. Selected Income Statement Data 3Q 26 2Q 26 1Q 26 4Q 25 3Q 25 2Q 26 3Q 25 Net financing revenue $ 1,748 $ 1,684 $ 1,589 $ 1,598 $ 1,584 $ 64 $ 164 (1) Core OID 20 19 18 17 17 1 3 (1) Net financing revenue (excluding Core OID) 1,768 1,703 1,607 1,615 1,601 65 167 Other revenue 584 602 513 525 584 (18) — (2) Repositioning — — 0 27 — — — (2) Change in fair value of equity securities (5) (29) 59 (2) (27) 24 22 (1) Adjusted other revenue 579 573 572 550 557 6 22 Provision for credit losses 529 430 467 487 415 99 114 (2) Repositioning — — 7 (1) — — — (1) Adjusted provision for credit losses 529 430 474 486 415 99 114 (3) Total noninterest expense 1,236 1,319 1,235 1,250 1,240 (83) (4) (2) Repositioning — — — (31) — — — (1) Noninterest expense (ex. repositioning) 1,236 1,319 1,235 1,219 1,240 (83) (4) Pre-tax income (loss) from continuing operations 567 537 400 386 513 30 54 Income tax expense (benefit) 134 127 81 59 115 7 19 (Loss) from discontinued operations, net of tax — — — — — — — Net income (Loss) 433 410 319 327 398 23 35 Preferred Dividends 32 43 28 27 27 (11) 5 Net income (loss) attributable to common shareholders $ 401 $ 367 $ 291 $ 300 $ 371 $ 34 $ 30 Selected Balance Sheet Data (Period-End) Total assets $ 203,285 $ 199,772 $ 197,269 $ 196,002 $ 191,711 $ 3,513 $ 11,574 Consumer loans 106,189 104,144 101,973 101,140 101,247 2,045 4,942 Commercial loans 41,770 39,529 37,917 36,314 33,320 2,241 8,450 Allowance for loan losses (3,682) (3,576) (3,540) (3,490) (3,460) (106) (222) Deposits 155,804 154,046 153,152 151,649 148,410 1,758 7,394 Total equity 14,970 15,491 15,609 15,498 15,117 (521) (147) Common Share Count Weighted average basic 305,074 308,362 310,992 310,792 310,342 (3,287) (5,267) Weighted average diluted 308,133 311,035 313,219 314,264 313,823 (2,902) (5,690) Issued shares outstanding (period-end) 300,538 304,543 307,408 308,493 307,828 (4,004) (7,290) Per Common Share Data Earnings per share (basic) $ 1.32 $ 1.19 $ 0.94 $ 0.97 $ 1.19 $ 0.12 $ 0.12 Earnings per share (diluted) 1.30 1.18 0.93 0.95 1.18 0.12 0.12 (1) Adjusted earnings per share 1.34 1.21 1.11 1.09 1.15 0.13 0.18 Book value per share 43.24 44.38 43.22 42.70 41.56 (1.14) 1.68 Tangible book value per share 42.61 43.76 42.61 42.10 40.95 (1.15) 1.66 (1) Adjusted tangible book value per share 41.00 42.12 40.93 40.38 39.19 (1.12) 1.81 Select Financial Ratios Net interest margin 3.62% 3 .59% 3.48 % 3.48% 3.51% (1) Net interest margin (ex. Core OID) 3 .66% 3 .63% 3 .52 % 3 .51% 3.55 % Cost of funds 3.45% 3.48% 3.60% 3 .69 % 3.80 % (1) Cost of funds (ex. Core OID) 3 .40 % 3.43% 3.55% 3.63% 3 .74% Efficiency Ratio 53.0% 5 7.7% 58.8% 58.9 % 5 7.2 % (1) Adjusted efficiency ratio 45.7 % 48.7 % 50.8% 50.8 % 5 0.0 % Return on average assets 0.8% 0.7 % 0.6% 0 .6% 0.8 % Return on average total equity 1 0.5 % 9.5 % 7 .5 % 7 .8 % 1 0.0 % Return on average tangible common equity 1 2.3% 1 1.1 % 8 .9 % 9.4% 12.0% (1) Core ROTCE 13.1% 1 1.8% 1 1.1 % 1 1.1 % 12.3 % Capital Ratios Common Equity Tier 1 (CET1) capital ratio 1 0.2 % 10.2 % 1 0.1 % 1 0.2% 10.1 % Tier 1 capital ratio 1 1.4% 11.4 % 11.6 % 11.7 % 11.6% Total capital ratio 13.2 % 13.2 % 13.4 % 1 3.6 % 1 3.4 % Tier 1 leverage ratio 8.9% 8.9 % 9.2% 9.2 % 9.2 % (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
ALLY FINANCIAL INC. CONSOLIDATED INCOME STATEMENT ($ in millions) QUARTERLY TRENDS CHANGE VS. 3Q 26 2Q 26 1Q 26 4Q 25 3Q 25 2Q 26 3Q 25 Financing revenue and other interest income Interest and fees on finance receivables and loans $ 2,836 $ 2,741 $ 2,658 $ 2,690 $ 2,674 $ 95 $ 162 Interest on loans held-for-sale 13 12 9 7 6 1 7 Total interest and dividends on investment securities 237 231 223 234 241 6 (4) Interest-bearing cash 81 80 81 88 92 1 (11) Other earning assets 16 11 11 10 9 5 7 Operating leases 384 390 392 387 365 (6) 19 Total financing revenue and other interest income 3,567 3,465 3,374 3,416 3,387 102 180 Interest expense Interest on deposits 1,213 1,200 1,233 1,268 1,302 13 (89) Interest on short-term borrowings 56 42 19 18 11 14 45 Interest on long-term debt 277 266 265 274 265 11 12 Interest on other — 4 — 2 — (4) — Total interest expense 1,546 1,512 1,517 1,562 1,578 34 (32) Depreciation expense on operating lease assets 273 269 268 256 225 4 48 Net financing revenue $ 1,748 $ 1,684 $ 1,589 $ 1,598 $ 1,584 $ 64 $ 164 Other revenue Insurance premiums and service revenue earned 365 368 360 366 361 (3) 4 Gain / (loss) on mortgage and automotive loans, net (8) (6) (3) (29) (3) (2) (5) Loss on extinguishment of debt — (2) — — — 2 — Other gain / (loss) on investments, net 34 76 (21) 21 56 (42) (22) Other income, net of losses 193 166 177 167 170 27 23 Total other revenue 584 602 513 525 584 (18) — Total net revenue 2,332 2,286 2,102 2,123 2,168 46 164 Provision for loan losses 529 430 467 487 415 99 114 Noninterest expense Compensation and benefits expense 441 458 491 475 447 (17) (6) Insurance losses and loss adjustment expenses 135 208 121 111 141 (73) (6) Goodwill impairment — — — — — — — Other operating expenses 660 653 623 664 652 7 8 Total noninterest expense 1,236 1,319 1,235 1,250 1,240 (83) (4) Pre-tax income (loss) from continuing operations $ 567 $ 537 $ 400 $ 386 $ 513 $ 30 $ 54 Income tax (benefit) / expense from continuing operations 134 127 81 59 115 7 19 Net income (loss) from continuing operations 433 410 319 327 398 23 35 Loss from discontinued operations, net of tax — — — — — — — Net income (loss) $ 433 $ 410 $ 319 $ 327 $ 398 $ 23 $ 35 Preferred Dividends 32 43 28 27 27 (11) 5 Net income (loss) available to common shareholders $ 401 $ 367 $ 291 $ 300 $ 371 $ 34 $ 30 Core pre-tax Income walk Net financing revenue $ 1,748 $ 1,684 $ 1,589 $ 1,598 $ 1,584 $ 64 $ 164 Other revenue 584 602 513 525 584 (18) — Provision for credit losses 529 430 467 487 415 99 114 Total noninterest expense 1,236 1,319 1,235 1,250 1,240 (83) (4) Pre-tax income (loss) from continuing operations $ 567 $ 537 $ 400 $ 386 $ 513 $ 30 $ 54 (1) Core OID 20 19 18 17 17 1 3 (2) Change in the fair value of equity securities (5) (29) 59 (2) (27) 24 22 (2) Repositioning — — (7) 59 — — — (1) Core pre-tax income $ 581 $ 527 $ 470 $ 461 $ 502 $ 55 $ 79 (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
ALLY FINANCIAL INC. CONSOLIDATED PERIOD-END BALANCE SHEET ($ in millions) QUARTERLY TRENDS CHANGE VS. Assets 3Q 26 2Q 26 1Q 26 4Q 25 3Q 25 2Q 26 3Q 25 Cash and cash equivalents Noninterest-bearing $ 308 $ 339 $ 380 $ 405 $ 429 $ (31) $ (121) Interest-bearing 7,531 7,501 9,138 9,625 9,817 30 (2,286) Total cash and cash equivalents 7,839 7,840 9,518 10,030 10,246 (1) (2,407) (1) Investment securities 27,209 28,374 28,238 28,220 27,982 (1,165) (773) Loans held-for-sale, net 448 406 337 549 179 42 269 Finance receivables and loans, net 147,959 143,673 139,890 137,454 134,567 4,286 13,392 Allowance for loan losses (3,682) (3,576) (3,540) (3,490) (3,460) (106) (222) Total finance receivables and loans, net 144,277 140,097 136,350 133,964 131,107 4,180 13,170 Investment in operating leases, net 8,288 8,585 8,699 8,772 8,599 (297) (311) Premiums receivable and other insurance assets 2,860 2,860 2,817 2,844 2,903 — (43) Other assets 12,364 11,610 11,310 11,623 10,695 754 1,669 Total assets $ 203,285 $ 199,772 $ 197,269 $ 196,002 $ 191,711 $ 3,513 $ 11,574 Liabilities Deposit liabilities Noninterest-bearing $ 51 $ 153 $ 137 $ 125 $ 174 $ (102) $ (123) Interest-bearing 155,753 153,893 153,015 151,524 148,236 1,860 7,517 Total deposit liabilities 155,804 154,046 153,152 151,649 148,410 1,758 7,394 Short-term borrowings 6,252 5,916 4,126 4,695 3,879 336 2,373 Long-term debt 18,778 17,053 17,349 17,070 16,749 1,725 2,029 Interest payable 1,066 895 852 729 1,097 171 (31) Unearned insurance premiums and service revenue 3,719 3,693 3,665 3,656 3,648 26 71 Accrued expense and other liabilities 2,696 2,678 2,516 2,705 2,811 18 (115) Total liabilities $ 188,315 $ 184,281 $ 181,660 $ 180,504 $ 176,594 $ 4,034 $ 11,721 Equity (2) Common stock and paid-in capital $ 14,968 $ 15,125 $ 15,231 $ 15,327 $ 15,310 $ (157) $ (342) Preferred stock 1,976 1,976 2,324 2,324 2,324 — (348) Retained earnings (accumulated deficit) 1,409 1,101 827 633 427 308 982 Accumulated other comprehensive loss (3,383) (2,711) (2,773) (2,786) (2,944) (672) (439) Total equity 14,970 15,491 15,609 15,498 15,117 (521) (147) Total liabilities and equity $ 203,285 $ 199,772 $ 197,269 $ 196,002 $ 191,711 $ 3,513 $ 11,574 (1) Includes Held-to-maturity securities. (2) Includes Treasury stock. Note: Numbers may not foot due to rounding. 6
ALLY FINANCIAL INC. (1) CONSOLIDATED AVERAGE BALANCE SHEET ($ in millions) QUARTERLY TRENDS CHANGE VS. Assets 3Q 26 2Q 26 1Q 26 4Q 25 3Q 25 2Q 26 3Q 25 Interest-bearing cash and cash equivalents $ 9,079 $ 8,931 $ 9,100 $ 8,983 $ 8,465 $ 148 $ 614 Investment securities and other earning assets 28,991 29,136 28,954 28,846 28,450 (145) 541 Loans held-for-sale, net 315 238 415 181 141 77 174 (2) Total finance receivables and loans, net 144,852 141,429 137,797 135,674 133,419 3,423 11,433 Investment in operating leases, net 8,496 8,689 8,805 8,753 8,255 (193) 241 Total interest earning assets 191,733 188,423 185,071 182,437 178,730 3,310 13,003 Noninterest-bearing cash and cash equivalents 225 265 286 266 251 (40) (26) Other assets 11,858 11,698 11,510 11,654 11,699 160 159 Allowance for loan losses (3,592) (3,521) (3,501) (3,460) (3,437) (71) (155) Total assets $ 200,224 $ 196,865 $ 193,366 $ 190,897 $ 187,243 $ 3,359 $ 12,981 Liabilities Interest-bearing deposit liabilities Retail deposit liabilities $ 142,541 $ 144,431 $ 144,106 $ 141,750 $ 142,364 $ (1,890) $ 177 (3) Other interest-bearing deposit liabilities 11,605 8,015 7,616 7,123 5,127 3,590 6,478 Total interest-bearing deposit liabilities 154,146 152,446 151,722 148,873 147,491 1,700 6,655 Short-term borrowings 5,608 4,377 1,941 1,794 897 1,231 4,711 (4) Long-term debt 17,736 17,090 17,049 17,249 16,375 646 1,361 (4) Total interest-bearing liabilities 177,490 173,913 170,712 167,916 164,763 3,577 12,727 Noninterest-bearing deposit liabilities 51 145 145 155 169 (94) (118) Other liabilities 7,180 6,948 6,727 7,320 7,362 232 (182) Total liabilities $ 184,721 $ 181,006 $ 177,584 $ 175,391 $ 172,294 $ 3,715 $ 12,427 Equity Total equity $ 15,503 $ 15,859 $ 15,782 $ 15,506 $ 14,949 $ (356) $ 554 Total liabilities and equity $ 200,224 $ 196,865 $ 193,366 $ 190,897 $ 187,243 $ 3,359 $ 12,981 (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 $624 million in 3Q26, $643 million in 2Q26, $661 million in 1Q26, $679 million in 4Q25, and $696 million in 3Q25. Note: Numbers may not foot due to rounding. 7
ALLY FINANCIAL INC. SEGMENT HIGHLIGHTS QUARTERLY TRENDS CHANGE VS. ($ in millions) Pre-tax Income / (Loss) 3Q 26 2Q 26 1Q 26 4Q 25 3Q 25 2Q 26 3Q 25 Automotive Finance $ 337 $ 410 $ 336 $ 372 $ 421 $ (73) $ (84) Insurance 80 53 28 91 79 27 1 Dealer Financial Services 417 463 364 463 500 (46) (83) Corporate Finance 98 122 94 98 95 (24) 3 (1) Corporate and Other 52 (48) (58) (175) (82) 100 134 Pre-tax income (loss) from continuing operations $ 567 $ 537 $ 400 $ 386 $ 513 $ 30 $ 54 (2) (3) Core OID 20 19 18 17 17 1 3 (4) Change in the fair value of equity securities (5) (29) 59 (2) (27) 24 22 (4) Repositioning and other — — (7) 59 — — — (3) Core pre-tax income $ 581 $ 527 $ 470 $ 461 $ 502 $ 55 $ 79 (1) Corporate and Other includes the impact of centralized asset and liability management, corporate overhead allocation activities, consumer mortgage portfolio, and Ally Invest activity. (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
ALLY FINANCIAL INC. AUTOMOTIVE FINANCE - CONDENSED FINANCIAL STATEMENTS ($ in millions) QUARTERLY TRENDS CHANGE VS. Income Statement 3Q 26 2Q 26 1Q 26 4Q 25 3Q 25 2Q 26 3Q 25 Net financing revenue Consumer $ 2,077 $ 2,013 $ 1,960 $ 1,980 $ 1,961 $ 64 $ 116 Commercial 368 354 332 341 338 14 30 Loans held-for-sale 6 6 3 3 2 — 4 Operating leases 384 390 392 387 365 (6) 19 Total financing revenue and other interest income 2,835 2,763 2,687 2,711 2,666 72 169 Interest expense 1,234 1,178 1,128 1,145 1,128 56 106 Depreciation expense on operating lease assets: Depreciation expense on operating lease assets (ex. remarketing) 257 267 258 246 227 (10) 31 Remarketing (gains) loss, net of repo valuation 16 2 10 11 (1) 14 17 Total depreciation expense on operating lease assets 273 269 268 256 225 4 48 Net financing revenue 1,328 1,316 1,291 1,310 1,313 12 15 Other revenue Total other revenue 114 104 105 99 96 10 18 Total net revenue 1,442 1,420 1,396 1,409 1,409 22 33 Provision for credit losses 511 442 468 478 410 69 101 Noninterest expense Compensation and benefits 175 177 191 172 172 (2) 3 Other operating expenses 419 391 401 387 406 28 13 Total noninterest expense 594 568 592 559 578 26 16 Pre-tax income $ 337 $ 410 $ 336 $ 372 $ 421 $ (73) $ (84) Memo: Net lease revenue Operating lease revenue $ 384 $ 390 $ 392 $ 387 $ 365 $ (6) $ 19 Depreciation expense on operating lease assets (ex. remarketing) 257 267 258 246 227 (10) 31 Remarketing (gains) loss, net of repo valuation 16 2 10 11 (1) 14 17 Total depreciation expense on operating lease assets 273 269 268 256 225 4 48 Net lease revenue $ 111 $ 121 $ 124 $ 131 $ 140 $ (10) $ (29) Balance Sheet (Period-End) Loans held-for-sale, net $ 50 $ 33 $ 27 $ 12 $ 15 $ 17 $ 35 Consumer loans 91,581 89,217 86,685 85,561 84,994 2,364 6,587 Commercial loans 25,655 25,562 23,938 23,143 21,784 93 3,871 Allowance for loan losses (3,482) (3,398) (3,300) (3,256) (3,233) (84) (249) Total finance receivables and loans, net 113,754 111,381 107,323 105,448 103,545 2,373 10,209 Investment in operating leases, net 8,288 8,585 8,699 8,772 8,599 (297) (311) Other assets 1,593 1,540 1,563 1,521 1,567 53 26 Total assets $ 123,685 $ 121,539 $ 117,612 $ 115,753 $ 113,726 $ 2,146 $ 9,959 Note: Numbers may not foot due to rounding. 9
ALLY FINANCIAL INC. AUTOMOTIVE FINANCE - KEY STATISTICS QUARTERLY TRENDS CHANGE VS. 3Q 26 2Q 26 1Q 26 4Q 25 3Q 25 2Q 26 3Q 25 (1) U.S. Consumer Originations ($ in billions) Retail standard - new vehicle GM $ 1.4 $ 1.4 $ 1.2 $ 1.3 $ 1.2 $ 0.0 $ 0.2 Retail standard - new vehicle Stellantis 0.8 0.7 0.6 0.6 0.6 0.1 0.2 Retail standard - new vehicle Other 2.1 2.1 1.4 1.3 1.3 (0.1) 0.7 Used vehicle 8.2 8.3 7.5 6.7 7.0 (0.1) 1.2 Lease 0.5 0.7 0.7 0.9 1.5 (0.3) (1.1) Total originations $ 12.9 $ 13.3 $ 11.5 $ 10.8 $ 11.7 $ (0.3) $ 1.2 U.S. Consumer Originations - FICO Score Super prime (760-999) $ 3.5 $ 3.9 $ 3.0 $ 2.9 $ 3.3 $ (0.4) $ 0.2 High prime (720-759) 1.8 1.9 1.5 1.5 1.7 0.0 0.2 Prime (660-719) 3.3 3.2 2.9 2.7 3.1 0.1 0.2 Prime/Near (620-659) 2.1 2.0 2.0 1.8 1.9 0.0 0.2 Non-Prime (540-619) 1.2 1.2 1.1 1.0 0.9 0.0 0.3 Sub-Prime (0-539) 0.3 0.2 0.2 0.2 0.2 0.0 0.1 No FICO (Primarily CSG) 0.7 0.7 0.8 0.8 0.7 (0.0) 0.1 Total originations $ 12.9 $ 13.3 $ 11.5 $ 10.8 $ 11.7 $ (0.3) $ 1.2 U.S. Consumer Retail Originations - Average FICO New vehicle 730 735 725 726 725 (5) 5 Used vehicle 698 702 696 697 702 (4) (3) Total retail originations 709 713 703 706 708 (4) 0 U.S. Market New light vehicle sales (SAAR - units in millions) 16.2 16.5 15.5 15.8 16.4 (0.2) (0.2) New light vehicle sales (quarterly - units in millions) 4.1 4.3 3.7 4.0 4.1 (0.2) (0.1) Dealer Engagement (2) Total Active DFS Dealers 21,594 21,629 21,403 21,370 21,548 (35) 46 Total Application Volume (000s) 4,805 4,552 4,414 3,811 3,992 253 813 Ally U.S. Commercial Outstandings EOP ($ in billions) Floorplan outstandings $ 17.4 $ 17.6 $ 16.1 $ 15.9 $ 15.4 $ (0.2) $ 2.1 Dealer loans and other 8.3 8.0 7.9 7.2 6.4 0.3 1.8 Total Commercial outstandings $ 25.7 $ 25.6 $ 23.9 $ 23.1 $ 21.8 $ 0.1 $ 3.9 U.S. Off-Lease Remarketing Off-lease vehicles terminated - on-balance sheet (# in units) 17,494 19,510 15,162 16,525 21,608 (2,016) (4,114) Average gain (loss) per vehicle $ (914) $ (82) $ (663) $ (635) $ 53 $ (832) $ (967) Total gain (loss) ($ in millions) $ (16) $ (2) $ (10) $ (11) $ 1 $ (14) $ (17) (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 September 30, 2026. Note: Numbers may not foot due to rounding. 10
ALLY FINANCIAL INC. INSURANCE - CONDENSED FINANCIAL STATEMENTS AND KEY STATISTICS ($ in millions) QUARTERLY TRENDS CHANGE VS. Income Statement (GAAP View) 3Q 26 2Q 26 1Q 26 4Q 25 3Q 25 2Q 26 3Q 25 Net financing revenue (1) Total interest and fees on finance receivables and loans $ 7 $ 5 $ 6 $ 5 $ 5 $ 2 $ 2 Interest and dividends on investment securities 43 41 38 40 39 2 4 Interest bearing cash 5 5 5 5 5 — — Total financing revenue and other interest revenue 55 51 49 50 49 4 6 Interest expense 13 13 13 14 16 — (3) Net financing revenue 42 38 36 36 33 4 9 Other revenue Insurance premiums and service revenue earned 365 368 360 366 361 (3) 4 Other gain / (loss) on investments, net 34 76 (21) 21 56 (42) (22) Other income, net of losses 4 5 3 3 3 (1) 1 Total other revenue 403 449 342 390 420 (46) (17) Total net revenue 445 487 378 426 453 (42) (8) Noninterest expense Compensation and benefits expense 30 30 32 28 29 — 1 Insurance losses and loss adjustment expenses 135 208 121 111 141 (73) (6) Other operating expenses 200 196 197 196 204 4 (4) Total noninterest expense 365 434 350 335 374 (69) (9) Pre-tax income (loss) $ 80 $ 53 $ 28 $ 91 $ 79 $ 27 $ 1 Memo: Income Statement (Managerial View) Insurance premiums and other income Insurance premiums and service revenue earned $ 365 $ 368 $ 360 $ 366 $ 361 $ (3) $ 4 (2) Investment income and other (adjusted) 71 85 74 55 62 (14) 9 Other income 4 5 3 3 3 (1) 1 Total insurance premiums and other income 440 458 437 424 426 (18) 14 Expense Insurance losses and loss adjustment expenses 135 208 121 111 141 (73) (6) Acquisition and underwriting expenses Compensation and benefit expense 30 30 32 28 29 — 1 Insurance commission expense 151 151 152 155 158 0 (7) Other expense 49 45 45 41 46 4 3 Total acquisition and underwriting expense 230 226 229 224 233 4 (3) Total expense 365 434 350 335 374 (69) (9) (2) Core pre-tax income / (loss) 75 24 87 89 52 51 23 (3) Change in the fair value of equity securities 5 29 (59) 2 27 (24) (22) Income (loss) before income tax expense $ 80 $ 53 $ 28 $ 91 $ 79 $ 27 $ 1 Balance Sheet (Period-End) Cash and investment securities $ 5,717 $ 5,889 $ 5,778 $ 5,841 $ 5,845 $ (172) $ (128) (1) Intercompany loans 865 814 854 807 696 51 169 Premiums receivable and other insurance assets 2,880 2,880 2,836 2,863 2,921 — (41) Other assets 463 448 420 420 386 15 77 Total assets $ 9,925 $ 10,031 $ 9,888 $ 9,931 $ 9,848 $ (106) $ 77 Key Statistics (4) Total written premiums and revenue $ 388 $ 382 $ 389 $ 384 $ 385 $ 6 $ 3 (5) Loss ratio 36.6 % 5 6.0 % 33.2 % 3 0.0 % 38.7 % (6) Underwriting expense ratio 6 2.1 % 60.7 % 6 3.0 % 6 0.7 % 6 3.9 % Combined ratio 9 8.6 % 1 16.7 % 96.2 % 90.7 % 1 02.6 % (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
ALLY FINANCIAL INC. CORPORATE FINANCE - CONDENSED FINANCIAL STATEMENTS ($ in millions) QUARTERLY TRENDS CHANGE VS. Income Statement 3Q 26 2Q 26 1Q 26 4Q 25 3Q 25 2Q 26 3Q 25 Net financing revenue Total financing revenue and other interest income $ 271 $ 252 $ 243 $ 240 $ 238 $ 19 $ 33 Interest expense 149 136 130 129 127 13 22 Net financing revenue 122 116 113 111 111 6 11 Total other revenue 31 29 35 31 25 2 6 Total net revenue 153 145 148 142 136 8 17 Provision for loan losses 20 (12) 8 11 8 32 12 Noninterest expense Compensation and benefits expense 19 20 26 19 19 (1) — Other operating expense 16 15 20 14 14 1 2 Total noninterest expense 35 35 46 33 33 — 2 Pre-tax income $ 98 $ 122 $ 94 $ 98 $ 95 $ (24) $ 3 (1) Change in the fair value of equity securities (0) 0 0 (0) 0 (0) (0) (2) Core pre-tax income $ 98 $ 122 $ 94 $ 98 $ 95 $ (24) $ 3 Balance Sheet (Period-End) Equity securities $ 2 $ 2 $ 2 $ 1 $ 1 $ — $ 1 Loans held for sale, net 274 169 121 87 78 105 196 Commercial loans 15,840 13,687 13,714 12,930 11,289 2,153 4,551 Allowance for loan losses (186) (164) (226) (219) (207) (22) 21 Total finance receivables and loans, net 15,654 13,523 13,488 12,711 11,082 2,131 4,572 Other assets 213 199 192 190 182 14 31 Total assets $ 16,143 $ 13,893 $ 13,803 $ 12,989 $ 11,343 $ 2,250 $ 4,800 (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
ALLY FINANCIAL INC. CORPORATE AND OTHER - CONDENSED FINANCIAL STATEMENTS ($ in millions) QUARTERLY TRENDS CHANGE VS. Income Statement 3Q 26 2Q 26 1Q 26 4Q 25 3Q 25 2Q 26 3Q 25 Net financing revenue Total financing revenue and other interest income $ 406 $ 399 $ 395 $ 415 $ 434 $ 7 $ (28) Interest expense 150 185 246 274 307 (35) (157) Net financing revenue 256 214 149 141 127 42 129 Other revenue Gain / (loss) on mortgage and automotive loans, net (1) 2 — (27) — (3) (1) (1) Other income, net of losses 37 20 31 32 43 17 (6) Loss on extinguishment of debt — (2) — — — 2 — Total other revenue 36 20 31 5 43 16 (7) Total net revenue 292 234 180 146 170 58 122 Provision for loan losses (2) — (9) (2) (3) (2) 1 Noninterest expense Compensation and benefits expense 217 231 242 256 227 (14) (10) (2) Other operating expense 25 51 5 67 28 (26) (3) Total noninterest expense 242 282 247 323 255 (40) (13) Pre-tax income (loss) $ 52 $ (48) $ (58) $ (175) $ (82) $ 100 $ 134 (3) Change in the fair value of equity securities — — — — — — — (4) Core OID 20 19 18 17 17 1 3 (3) Repositioning — — (7) 59 — — — (4) Core pre-tax income (loss) $ 72 $ (29) $ (47) $ (99) $ (65) $ 101 $ 137 Balance Sheet (Period-End) Cash, trading and investment securities $ 29,329 $ 30,323 $ 31,976 $ 32,408 $ 32,382 $ (994) $ (3,053) Loans held-for-sale, net 124 204 189 450 86 (80) 38 Consumer loans 14,608 14,927 15,288 15,579 16,253 (319) (1,645) Commercial loans 274 279 259 233 237 (5) 37 (5) Intercompany loans (865) (814) (854) (807) (696) (51) (169) Allowance for loan losses (14) (14) (14) (15) (20) — 6 Total finance receivables and loans, net 14,003 14,378 14,679 14,990 15,774 (375) (1,771) Other assets 10,076 9,404 9,122 9,481 8,552 672 1,524 Total assets $ 53,532 $ 54,309 $ 55,966 $ 57,329 $ 56,794 $ (777) $ (3,262) (4) Core OID Amortization Schedule 2026 2027 2028 2029 2030 & After Remaining Core OID amortization expense $ 20 $ 89 $ 104 $ 122 Avg = $139/yr (1) Includes the impact of centralized asset and liability management, corporate overhead allocation activities, consumer mortgage portfolio, and Ally Invest activity. (2) Other operating expenses includes corporate overhead allocated to the other business segments. Amounts of corporate overhead allocated were $307 million for 3Q26, $300 million for 2Q26, $315 million for 1Q26, $294 million for 4Q25, and $298 million for 3Q25. The receiving business segment records the allocation of corporate overhead expense within other operating expenses. (3) For more details refer to pages 23-24. (4) Represents a non-GAAP financial measure. For more details refer to pages 23-24. (5) Intercompany loans related to activity between Insurance and Corporate and Other for liquidity purposes. Note: Numbers may not foot due to rounding. 13
ALLY FINANCIAL INC. CREDIT RELATED INFORMATION ($ in millions) QUARTERLY TRENDS CHANGE VS. (1) Asset Quality - Consolidated 3Q 26 2Q 26 1Q 26 4Q 25 3Q 25 2Q 26 3Q 25 Ending loan balance $ 147,959 $ 143,673 $ 139,890 $ 134,567 $ 137,454 $ 4,286 $ 13,392 30+ Accruing DPD $ 3,718 $ 3,547 $ 3,231 $ 3,401 $ 3,671 $ 171 $ 317 30+ Accruing DPD % 2 .51 % 2 .47% 2 .31 % 2 .53 % 2 .67 % 60+ Accruing DPD $ 1,008 $ 933 $ 846 $ 883 $ 984 $ 75 $ 125 60+ Accruing DPD % 0 .68 % 0 .65% 0 .60 % 0 .66% 0.72 % Non-performing loans (NPLs) $ 1,309 $ 1,226 $ 1,306 $ 1,353 $ 1,366 $ 83 $ (44) Net charge-offs (NCOs) $ 423 $ 394 $ 417 $ 395 $ 452 $ 29 $ 28 (2) Net charge-off rate 1 .17% 1.11% 1 .21 % 1 .18% 1 .34 % Provision for loan losses $ 529 $ 430 $ 467 $ 415 $ 487 $ 99 $ 114 Allowance for loan losses (ALLL) $ 3,682 $ 3,576 $ 3,540 $ 3,460 $ 3,490 $ 106 $ 222 (3) (4) ALLL as % of Loans 2.49% 2 .49 % 2.53% 2 .57% 2.54 % (3) ALLL as % of NPLs 281 % 2 92% 2 71% 2 56% 255 % (3) ALLL as % of NCOs 218% 2 27 % 2 12% 2 19% 192% (5) U.S. Auto Delinquencies - HFI Retail Contract $'s 30+ Delinquent contract $ $ 3,684 $ 3,470 $ 3,197 $ 3,340 $ 3,630 $ 214 $ 344 % of retail contract $ outstanding 4.02 % 3 .89% 3.69% 3 .93% 4 .24 % 60+ Delinquent contract $ $ 1,003 $ 930 $ 842 $ 877 $ 974 $ 73 $ 126 % of retail contract $ outstanding 1.10% 1.04 % 0.97 % 1 .03% 1.14 % U.S. Auto Annualized Net Charge-Offs - HFI Retail Contract $'s Net charge-offs $ 427 $ 344 $ 424 $ 399 $ 454 $ 83 $ 28 (2) % of avg. HFI assets 1.89 % 1.57 % 1.97 % 1 .88% 2 .14% (6) U.S. Auto Annualized Net Charge-Offs - HFI Commercial Contract $'s Net charge-offs $ — $ — $ — $ — $ — $ — $ — (2) % of avg. HFI assets — % — % — % (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
ALLY FINANCIAL INC. CREDIT RELATED INFORMATION, CONTINUED ($ in millions) (1) Automotive Finance QUARTERLY TRENDS CHANGE VS. Consumer 3Q 26 2Q 26 1Q 26 4Q 25 3Q 25 2Q 26 3Q 25 Net Charge-offs $ 427 $ 344 $ 424 $ 454 $ 399 $ 83 $ 28 Allowance for loan losses $ 3,425 $ 3,345 $ 3,250 $ 3,208 $ 3,186 $ 80 $ 239 (2) Total consumer loans $ 91,539 $ 89,184 $ 86,662 $ 85,568 $ 84,994 $ 2,355 $ 6,545 (3) Coverage ratio 3.74 % 3.75 % 3 .75 % 3 .75 % 3 .75% (4) Commercial Net Charge-offs $ — $ — $ — $ — $ — $ — $ — Allowance for loan losses $ 57 $ 53 $ 50 $ 48 $ 47 $ 4 $ 10 Total commercial loans $ 25,656 $ 25,563 $ 23,944 $ 23,151 $ 21,794 $ 93 $ 3,862 Coverage ratio 0 .22 % 0 .21 % 0 .21 % 0 .21 % 0 .21 % (1) Consumer Mortgage Net Charge-offs $ (1) $ (1) $ (8) $ (1) $ (3) $ — $ 2 Allowance for loan losses $ 10 $ 10 $ 11 $ 12 $ 17 $ — $ (7) Total consumer loans $ 14,650 $ 14,960 $ 15,311 $ 15,572 $ 16,253 $ (310) $ (1,603) Coverage ratio 0 .07% 0 .07% 0 .07% 0 .07 % 0 .10 % (1) Corporate Finance Net Charge-offs $ (3) $ 51 $ 1 $ (1) $ (1) $ (54) $ (2) Allowance for loan losses $ 186 $ 164 $ 226 $ 219 $ 207 $ 22 $ (21) Total commercial loans $ 15,840 $ 13,687 $ 13,714 $ 12,930 $ 11,289 $ 2,153 $ 4,551 Coverage ratio 1 .17 % 1 .19 % 1 .65% 1 .69 % 1 .83 % (1) Corporate and Other Net Charge-offs $ — $ — $ — $ — $ — $ — $ — Allowance for loan losses $ 4 $ 4 $ 3 $ 3 $ 3 $ — $ 1 Total commercial loans $ 274 $ 279 $ 259 $ 233 $ 237 $ (5) $ 37 Coverage ratio 1 .36% 1.36% 1 .36 % 1 .38% 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 ($42M) of fair value adjustment for loans in hedge accounting relationships in 3Q26, ($33M) in 2Q26, ($23M) in 1Q26, $7M in 4Q25 and $0M in 3Q25. (3) Excludes ($42M) of fair value adjustment for loans in hedge accounting relationships in 3Q26, ($33M) in 2Q26, ($23M) in 1Q26, $7M in 4Q25 and $0M in 3Q25. (4) Commercial Auto data includes Insurance advances. Note: Numbers may not foot due to rounding. 15
ALLY FINANCIAL INC. CAPITAL ($ in billions) QUARTERLY TRENDS CHANGE VS. Capital 3Q 26 2Q 26 1Q 26 4Q 25 3Q 25 2Q 26 3Q 25 Risk-weighted assets $ 158.2 $ 156.8 $ 155.2 $ 152.8 $ 150.7 $ 1.3 $ 7.4 10.2 % 10.2% 1 0.1 % 1 0.2 % 10.1% Common Equity Tier 1 (CET1) capital ratio Tier 1 capital ratio 1 1.4 % 1 1.4% 1 1.6 % 11.7 % 1 1.6% Total capital ratio 13.2 % 1 3.2 % 13.4 % 1 3.6% 13.4 % (1) (2) 6 .3% 6.7% 6.6% 6 .6% 6 .6% Tangible common equity / Tangible assets (1) Tangible common equity / Risk-weighted assets 8.1 % 8 .5 % 8.4% 8 .5 % 8.4% Shareholders’ equity $ 15.0 $ 15.5 $ 15.6 $ 15.5 $ 15.1 $ (0.5) $ (0.1) less: Certain AOCI items and other adjustments 3.1 2.4 2.4 2.5 2.4 0.7 0.7 Preferred equity (2.0) (2.0) (2.3) (2.3) (2.3) — 0.3 Common Equity Tier 1 capital $ 16.1 $ 15.9 $ 15.7 $ 15.6 $ 15.2 $ 0.2 $ 0.9 Common Equity Tier 1 capital $ 16.1 $ 15.9 $ 15.7 $ 15.6 $ 15.2 $ 0.2 $ 0.9 add: Preferred equity 2.0 2.0 2.3 2.3 2.3 — (0.3) less: Other adjustments (0.1) (0.1) (0.1) (0.1) (0.1) — — Tier 1 capital $ 18.0 $ 17.8 $ 17.9 $ 17.9 $ 17.4 $ 0.2 $ 0.6 Tier 1 capital $ 18.0 $ 17.8 $ 17.9 $ 17.9 $ 17.4 $ 0.2 $ 0.6 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 1.9 1.9 1.8 — 0.1 Total capital $ 20.9 $ 20.7 $ 20.8 $ 20.7 $ 20.3 $ 0.2 $ 0.6 Total shareholders' equity $ 15.0 $ 15.5 $ 15.6 $ 15.5 $ 15.1 $ (0.5) $ (0.1) less: Preferred equity (2.0) (2.0) (2.3) (2.3) (2.3) — 0.3 Goodwill and intangible assets, net of deferred tax liabilities (0.2) (0.2) (0.2) (0.2) (0.2) — — (1) Tangible common equity $ 12.8 $ 13.3 $ 13.1 $ 13.0 $ 12.6 $ (0.5) $ 0.2 Total assets $ 203.3 $ 199.8 $ 197.3 $ 196.0 $ 191.7 $ 3.5 $ 11.6 less: Goodwill and intangible assets, net of deferred tax liabilities (0.2) (0.2) (0.2) (0.2) (0.2) — — (2) Tangible assets $ 203.1 $ 199.6 $ 197.1 $ 195.8 $ 191.5 $ 3.5 $ 11.6 (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
ALLY FINANCIAL INC. LIQUIDITY AND DEPOSITS QUARTERLY TRENDS CHANGE VS. Consolidated Available Liquidity ($ in billions) 3Q 26 2Q 26 1Q 26 4Q 25 3Q 25 2Q 26 3Q 25 (1) Liquid cash and cash equivalents $ 7.5 $ 7.5 $ 8.9 $ 9.7 $ 9.5 $ (0.0) $ (2.0) (2) Highly liquid securities 19.4 20.6 20.4 20.3 19.9 (1.2) (0.5) Subtotal $ 26.9 $ 28.2 $ 29.3 $ 30.0 $ 29.5 $ (1.2) $ (2.5) FHLB Unused Pledged Borrowing Capacity 6.4 7.5 9.5 9.1 10.3 (1.2) (3.9) FRB Discount Window Unused Pledged Capacity 27.9 27.2 27.0 26.9 26.9 0.7 1.0 Total unused pledged capacity $ 34.3 $ 34.7 $ 36.5 $ 36.0 $ 37.2 $ (0.4) $ (2.9) Total current available liquidity $ 61.2 $ 62.8 $ 65.8 $ 66.1 $ 66.6 $ (1.6) $ (5.4) 2031 & Unsecured Long-Term Debt Maturity Profile 2026 2027 2028 2029 2030 After (3) Consolidated remaining maturities $ — $ 1.5 $ 0.8 $ 1.6 $ 1.5 $ 5.3 Ally Bank Deposits Key Deposit Statistics Average retail CD duration (months) 18.2 17.8 17.6 17.4 17.2 0.4 1.0 Average retail deposit rate 3 .05% 3 .12% 3.26% 3 .35 % 3.48 % End of Period Deposit Levels ($ in millions) Retail $ 141,923 $ 143,566 $ 146,132 $ 143,529 $ 141,843 $ (1,643) $ 80 Brokered & other 13,881 10,480 7,020 8,120 6,567 3,401 7,314 Total deposits $ 155,804 $ 154,046 $ 153,152 $ 151,649 $ 148,410 $ 1,758 $ 7,394 Deposit Mix Retail CD 21 % 2 2% 23 % 2 3 % 24% MMA/OSA/Checking 7 0% 72% 73 % 71% 71% Brokered & other 9 % 6 % 4 % 6 % 5% (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 and credit linked notes; as of 09/30/26. Reflects notional value of outstanding bond. Excludes total GAAP OID and capitalized transaction costs. Note: Numbers may not foot due to rounding. 17
ALLY FINANCIAL INC. NET INTEREST MARGIN QUARTERLY TRENDS CHANGE VS. ($ in millions) 3Q 26 2Q 26 1Q 26 4Q 25 3Q 25 2Q 26 3Q 25 Average Balance Details $ 89,874 $ 87,535 $ 85,858 $ 84,865 $ 84,592 $ 2,339 $ 5,282 Retail Auto Loans 8,496 8,689 8,805 8,753 8,255 (193) 241 Auto Lease (net of dep.) 17,246 16,834 15,466 15,956 14,771 412 2,475 Dealer Floorplan Other Dealer Loans 7,988 7,886 7,460 6,541 6,348 102 1,640 14,786 13,811 13,348 12,078 11,085 975 3,701 Corporate Finance (1) 14,870 15,200 15,708 16,070 16,458 (330) (1,588) Mortgage (4) 9,079 8,931 9,100 8,983 8,465 148 614 Cash and Cash Equivalents Investment Securities and Other 29,394 29,537 29,326 29,191 28,756 (143) 638 Total Earning Assets $ 191,733 $ 188,423 $ 185,071 $ 182,437 $ 178,730 $ 3,310 $ 13,003 Interest Revenue 3,294 3,196 3,106 3,160 3,162 98 132 (2) Unsecured Debt (ex. Core OID balance) $ 10,554 $ 10,489 $ 10,654 $ 11,273 $ 11,598 $ 65 $ (1,044) Secured Debt 3,161 3,187 2,860 2,604 1,780 (26) 1,381 (3) 154,197 152,591 151,867 149,028 147,660 1,606 6,537 Deposits Other Borrowings 10,253 8,433 6,137 5,845 4,590 1,820 5,663 (2) Total Funding Sources (ex. Core OID balance) $ 178,165 $ 174,701 $ 171,518 $ 168,750 $ 165,628 $ 3,464 $ 12,537 (2) Interest Expense (ex. Core OID) 1,526 1,493 1,499 1,545 1,561 33 (35) (2) Net Financing Revenue (ex. Core OID) $ 1,768 $ 1,703 $ 1,607 $ 1,615 $ 1,601 $ 65 $ 167 Net Interest Margin (yield details) 9 .22 % 9.28 % 9.30 % 9 .32% 9 .28% (0.06) % ( 0.06) % Retail Auto Loan 9 .20 % 9.25% 9.27% 9 .27% 9 .21 % ( 0.05) % (0.01)% Retail Auto Loan (excl. hedge impact) 5.16 % 5 .61% 5 .73 % 5 .93% 6.70% (0.45)% ( 1.54) % Auto Lease (net of dep.) Dealer Floorplan 5.64 % 5.55% 5 .70 % 5 .91% 6 .42 % 0 .09 % (0.78) % Other Dealer Loans 6 .07 % 6 .02 % 5 .94 % 5 .68 % 5 .66% 0 .05% 0.41% 7 .30 % 7.36% 7 .43% 7.98% 8 .59% ( 0.06) % (1.29) % Corporate Finance (1) Mortgage 3 .12 % 3.16 % 3 .21% 3.13% 3 .14 % ( 0.04) % (0.02) % (4) Cash and Cash Equivalents 3 .54 % 3 .57 % 3 .61% 3.89% 4.28% ( 0.03) % ( 0.74)% Investment Securities and Other 3 .46 % 3 .34% 3 .28% 3 .34% 3.47% 0 .12% ( 0.01)% 6 .81% 6.80% 6 .81 % 6 .87% 7 .02 % 0 .01% (0.21)% Total Earning Assets (2) 6.37% 6.43 % 6.44% 6.36 % 6.33 % ( 0.06)% 0 .04% Unsecured Debt (ex. Core OID & Core OID balance) Secured Debt 4.99 % 4 .87% 5 .17% 5 .14 % 5 .41% 0 .12 % ( 0.42)% (3) Deposits 3 .12 % 3.15 % 3 .29% 3 .38% 3 .50 % (0.03) % (0.38)% (5) Other Borrowings 4.01 % 4 .11 % 4.02 % 4 .21 % 4.26% ( 0.10)% ( 0.25) % (2) Total Funding Sources (ex. Core OID & Core OID balance) 3 .40 % 3 .43% 3.55% 3.63 % 3.74 % (0.03)% (0.34) % NIM (as reported) 3 .62% 3.59% 3.48% 3 .48% 3 .51 % 0 .03% 0 .11 % (2) NIM (ex. Core OID & Core OID balance) 3 .66% 3 .63 % 3.52 % 3.51 % 3 .55 % 0 .03% 0.11% (1) Mortgage loans in run-off at the Corporate and Other segment. (2) 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. (3) Includes retail, brokered, and other deposits. Other includes sweep deposits and other deposits. (4) Includes interest expense related to margin received on derivative contracts. Excluding this expense, annualized yields were 3.63% for 3Q26, 3.62% for 2Q26, 3.61% for 1Q26, 3.88% for 4Q25, and 4.28% for 3Q25. (5) Includes FHLB Borrowings, Repurchase Agreements and other. Note: Numbers may not foot due to rounding. 18
ALLY FINANCIAL INC. EARNINGS PER SHARE RELATED INFORMATION ($ in millions, shares in thousands) QUARTERLY TRENDS CHANGE VS. Earnings Per Share Data 3Q 26 2Q 26 1Q 26 4Q 25 3Q 25 2Q 26 3Q 25 GAAP net income (loss) attributable to common shareholders $ 401 $ 367 $ 291 $ 300 $ 371 $ 34 $ 30 Weighted-average common shares outstanding - basic 305,074 308,362 310,992 310,792 310,342 (3,287) (5,267) Weighted-average common shares outstanding - diluted 308,133 311,035 313,219 314,264 313,823 (2,902) (5,690) Issued shares outstanding (period-end) 300,538 304,543 307,408 308,493 307,828 (4,004) (7,290) Net income (loss) per share - basic $ 1.32 $ 1.19 $ 0.94 $ 0.97 $ 1.19 $ 0.12 $ 0.12 Net income (loss) per share - diluted $ 1.30 $ 1.18 $ 0.93 $ 0.95 $ 1.18 $ 0.12 $ 0.12 (1) Adjusted Earnings per Share ( Adjusted EPS ) Numerator GAAP net income (loss) attributable to common shareholders $ 401 $ 367 $ 291 $ 300 $ 371 $ 34 $ 30 Discontinued operations, net of tax — — — — — — — (2) Core OID 20 19 18 17 17 1 3 (3) Change in the fair value of equity securities (5) (29) 59 (2) (27) 24 22 Core OID, repositioning & change in the fair value of equity securities tax (tax rate 21%) (3) 2 (15) (16) 2 (5) (5) (3) Repositioning — — (7) 59 — — — Significant discrete tax items — — — (18) — — — Capital actions (preferred redemption) — 15 — — — (15) — (2) Core net income attributable to common shareholders $ 412 $ 375 $ 346 $ 341 $ 363 $ 37 $ 49 Denominator Weighted-average common shares outstanding - basic or diluted as applicable 308,133 311,035 313,219 314,264 313,823 (2,902) (5,690) (1) Adjusted EPS $ 1.34 $ 1.21 $ 1.11 $ 1.09 $ 1.15 $ 0.13 $ 0.18 GAAP original issue discount amortization expense $ 21 $ 20 $ 19 $ 19 $ 19 $ 1 $ 2 Other OID (1) (1) (1) (2) (2) (0) 0 (2) Core original issue discount (Core OID) amortization expense $ 20 $ 19 $ 18 $ 17 $ 17 $ 1 $ 3 GAAP outstanding original issue discount balance $ (628) $ (649) $ (670) $ (689) $ (708) $ 21 $ 80 Other outstanding OID balance 14 16 17 18 20 (1) (6) (2) Core outstanding original issue discount balance (Core OID balance) $ (614) $ (634) $ (653) $ (671) $ (688) $ 20 $ 74 GAAP Net Financing Revenue $ 1,748 $ 1,684 $ 1,589 $ 1,598 $ 1,584 $ 64 $ 164 (2) Core OID 20 19 18 17 17 1 3 (2) Net Financing Revenue (ex. Core OID) $ 1,768 $ 1,703 $ 1,607 $ 1,615 $ 1,601 $ 65 $ 167 GAAP Other Revenue $ 584 $ 602 $ 513 $ 525 $ 584 $ (18) $ — (3) Repositioning — — 0 27 — — — (3) Change in the fair value of equity securities (5) (29) 59 (2) (27) 24 22 (3) Adjusted Other Revenue $ 579 $ 573 $ 572 $ 550 $ 557 $ 6 $ 22 GAAP Provision Expense $ 529 $ 430 $ 467 $ 487 $ 415 $ 99 $ 114 (3) Repositioning — — 7 (1) — — — (3) Adjusted Provision (ex. Repositioning) $ 529 $ 430 $ 474 $ 486 $ 415 $ 99 $ 114 GAAP Noninterest Expense $ 1,236 $ 1,319 $ 1,235 $ 1,250 $ 1,240 $ (83) $ (4) (3) Repositioning and other — — — (31) — — — (2) Adjusted Noninterest Expense $ 1,236 $ 1,319 $ 1,235 $ 1,219 $ 1,240 $ (83) $ (4) (1) 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. (2) Represents a non-GAAP financial measure. For more details refer to pages 23-24. (3) For more details refer to pages 23-24. Note: Numbers may not foot due to rounding. 19
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 3Q 26 2Q 26 1Q 26 4Q 25 3Q 25 2Q 26 3Q 25 Numerator GAAP shareholders' equity $ 14,970 $ 15,491 $ 15,609 $ 15,498 $ 15,117 $ (521) $ (147) Preferred equity (1,976) (1,976) (2,324) (2,324) (2,324) — 348 GAAP common shareholders' equity $ 12,994 $ 13,515 $ 13,285 $ 13,174 $ 12,793 $ (521) $ 201 Goodwill and identifiable intangibles, net of DTLs (187) (187) (187) (187) (187) 0 0 (1) Tangible common equity 12,807 13,328 13,098 12,987 12,606 (521) 201 (1) Tax-effected Core OID balance (21% tax rate) (485) (501) (516) (530) (544) 15 58 (2) Adjusted tangible book value $ 12,322 $ 12,827 $ 12,582 $ 12,457 $ 12,062 $ (505) $ 260 Denominator Issued shares outstanding (period-end, thousands) 300,538 304,543 307,408 308,493 307,828 (4,004) (7,290) GAAP shareholders' equity per share $ 49.81 $ 50.87 $ 50.78 $ 50.24 $ 49.11 $ (1.06) $ 0.70 Preferred equity per share (6.57) (6.49) (7.56) (7.53) (7.55) (0.09) 0.97 GAAP common shareholders' equity per share $ 43.24 $ 44.38 $ 43.22 $ 42.70 $ 41.56 $ (1.14) $ 1.68 Goodwill and identifiable intangibles, net of DTLs per share (0.62) (0.61) (0.61) (0.61) (0.61) (0.01) (0.01) (1) Tangible common equity per share 42.61 43.76 42.61 42.10 40.95 (1.15) 1.66 (1) Tax-effected Core OID balance (21% tax rate) per share (1.61) (1.64) (1.68) (1.72) (1.77) 0.03 0.15 (2) Adjusted tangible book value per share $ 41.00 $ 42.12 $ 40.93 $ 40.38 $ 39.19 $ (1.12) $ 1.81 (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 shareholders' 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
ALLY FINANCIAL INC. CORE ROTCE RELATED INFORMATION ($ in millions) unless noted otherwise QUARTERLY TRENDS CHANGE VS. Core Return on Tangible Common Equity ( Core ROTCE ) 3Q 26 2Q 26 1Q 26 4Q 25 3Q 25 2Q 26 3Q 25 Numerator GAAP net income (loss) attributable to common shareholders $ 401 $ 367 $ 291 $ 300 $ 371 $ 34 $ 30 Discontinued operations, net of tax — — — — — — — (2) Core OID 20 19 18 17 17 1 3 (2) Change in the fair value of equity securities (5) (29) 59 (2) (27) 24 22 Core OID, repositioning & change in the fair value of equity (3) 2 (15) (16) 2 (5) (5) securities tax (tax rate 21%) (2) Repositioning — — (7) 59 — — — Significant discrete tax items — — — (18) — — — Capital actions (preferred redemption) — 15 — — — (15) — (1) Core net income attributable to common shareholders $ 412 $ 375 $ 346 $ 341 $ 363 $ 37 $ 49 Denominator (average, $ millions) GAAP shareholders' equity $ 15,231 $ 15,550 $ 15,554 $ 15,308 $ 14,832 $ (320) $ 399 Preferred equity (1,976) (2,150) (2,324) (2,324) (2,324) 174 348 GAAP common shareholders' equity $ 13,255 $ 13,400 $ 13,230 $ 12,984 $ 12,508 $ (146) $ 747 Goodwill & identifiable intangibles, net of deferred tax liabilities ( DTLs ) (187) (187) (187) (187) (187) 0 0 Tangible common equity $ 13,068 $ 13,213 $ 13,042 $ 12,796 $ 12,321 $ (145) $ 747 Tax-effected Core OID balance (tax rate 21%) (493) (508) (523) (537) (550) 15 57 (1) Adjusted Tangible Common Equity $ 12,575 $ 12,705 $ 12,520 $ 12,260 $ 11,771 $ (130) $ 804 (3) Core Return on Tangible Common Equity 13.1 % 1 1.8% 11.1% 1 1.1% 12.3 % (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 shareholders’ 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
ALLY FINANCIAL INC. ADJUSTED EFFICIENCY RATIO RELATED INFORMATION ($ in millions) QUARTERLY TRENDS CHANGE VS. Adjusted Efficiency Ratio Calculation 3Q 26 2Q 26 1Q 26 4Q 25 3Q 25 2Q 26 3Q 25 Numerator GAAP Noninterest Expense $ 1,236 $ 1,319 $ 1,235 $ 1,250 $ 1,240 $ (83) $ (4) Insurance expense (365) (434) (350) (335) (374) 69 9 (2) Repositioning — — — (31) — — — Adjusted noninterest expense for the efficiency ratio $ 871 $ 885 $ 885 $ 884 $ 866 $ (14) $ 5 Denominator Total net revenue $ 2,332 $ 2,286 $ 2,102 $ 2,123 $ 2,168 $ 46 $ 164 (2) Core OID 20 19 18 17 17 1 3 Insurance revenue (445) (487) (378) (426) (453) 42 8 (2) Repositioning — — 0 27 — — — Adjusted net revenue for the efficiency ratio $ 1,907 $ 1,818 $ 1,742 $ 1,741 $ 1,732 $ 89 $ 175 (1) Adjusted Efficiency Ratio 4 5.7 % 4 8.7% 5 0.8% 5 0.8 % 5 0.0% (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
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
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