Ally Financial Inc 2025年季度报告

FORM10-Q QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d)OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period endedMarch 31, 2025, or TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d)OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period fromto Commission file number:1-3754 Ally Financial Inc.(Exact name of registrant as specified in its charter) Delaware(State or other jurisdiction ofincorporation or organization) Ally Detroit Center500 Woodward Avenue,Floor 10Detroit,Michigan48226(Address of principal executive offices)(Zip Code)(866)710-4623(Registrant’s telephone number, including area code) Securities registered pursuant to Section12(b) of the Act: Indicate by check mark whether the registrant (1)has filed all reports required to be filed by Section13 or 15(d) of the Securities ExchangeAct of 1934 during the preceding 12months (or for such shorter period that the registrant was required to file such reports), and (2)has been subjectto such filing requirements for the past 90days.Yes☑No☐ Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant toRule405 of RegulationS-T(§232.405 of this chapter) during the preceding 12months (or for such shorter period that the registrant was required tosubmit such files).Yes☑No☐ Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reportingcompany, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and“emerging growth company” in Rule12b-2 of the Exchange Act. Large accelerated filer☑Acceleratedfiler☐Non-acceleratedfiler☐Smallerreportingcompany☐Emerging growth company☐If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.☐ Indicate by check mark whether the registrant is a shell company (as defined in Rule12b-2 of the Exchange Act). At May1, 2025, the number of shares outstanding of the Registrant’s common stock was307,174,699shares.1 Item1.Legal ProceedingsItem1A.Risk FactorsItem2.Unregistered Sales of Equity Securities and Use of ProceedsItem3.Defaults Upon Senior SecuritiesItem4.Mine Safety DisclosuresItem5.Other InformationItem6.ExhibitsSignatures Glossary of Abbreviations and Acronyms The following is a list of abbreviations and acronyms that are used in this Quarterly Report on Form 10-Q. Table of ContentsIndex of Defined Terms Ally Financial Inc.•Form10-Q Item 1. Financial StatementsCondensed Consolidated Statement of Comprehensive Income (Loss) (unaudited) Ally Financial Inc.•Form 10-Q Table of ContentsCondensed Consolidated Statement of Comprehensive Income (Loss) (unaudited) Ally Financial Inc.•Form 10-Q Three months ended March31, Table of ContentsCondensed Consolidated Balance Sheet (unaudited) Ally Financial Inc.•Form 10-Q Table of ContentsCondensed Consolidated Balance Sheet (unaudited) Ally Financial Inc.•Form 10-Q The assets of consolidated variable interest entities that can be used only to settle obligations of the consolidated variable interest entities and theliabilities of these entities for which creditors (or beneficial interest holders) do not have recourse to our general credit were as follows. Table of ContentsCondensed Consolidated Statement of Changes in Equity (unaudited) Ally Financial Inc.•Form 10-Q Table of ContentsCondensed Consolidated Statement of Cash Flows (unaudited) Ally Financial Inc.•Form 10-Q Table of ContentsCondensed Consolidated Statement of Cash Flows (unaudited) Ally Financial Inc.•Form 10-Q The following table provides a reconciliation of cash and cash equivalents and restricted cash from the Condensed Consolidated Balance Sheetto the Condensed Consolidated Statement of Cash Flows. Table of ContentsNotes to Condensed Consolidated Financial Statements (unaudited)Ally Financial Inc.•Form 10-Q 1.Description of Business, Basis of Presentation, and Changes in Significant Accounting Policies Ally Financial Inc. (together with its consolidated subsidiaries unless the context otherwise requires, Ally, the Company, we, us, or our) is afinancial-services company with the nation’s largest all-digital bank and an industry-leading automotive financing and insurance business, driven by amission to “Do It Right” and be a relentless ally for customers and communities. The Company serves customers with deposits and securitiesbrokerage and investment advisory services as well as automotive financing and insurance offerings. The Company also includes a seasonedcorporate finance business that offers capital for equity sponsors and middle-market companies. Ally is a Delaware corporation and is registered as aBHC under the BHC Act and an FHC under the GLB