Ally Financial 2026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 ended June 30, 2026, 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, Michigan 48226(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 complyingwith 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).Yes☐No☑ At July21, 2026, the number of shares outstanding of the Registrant’s common stock was 304,199,693 shares.1 Ally Financial Inc.•Form10-Q 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 (unaudited) Table of ContentsCondensed Consolidated Statement of Comprehensive Income (unaudited) Ally Financial Inc.•Form 10-Q 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 that includes the nation’s largest all-digital bank and automotive finance businesses, driven by a mission to “Do It Right”for its customers and communities. Ally Bank, Member FDIC, offers online banking products, including savings and checking accounts. Ally alsoprovides investing solutions through Ally Invest, including online brokerage, automated investing, IRAs and personal financial advice. Ally providesconsumer and dealer financing, insurance, and vehicle remarketing services. Ally’s corporate finance business provides capital to equity sponsors andmiddle-market companies. Ally is a Delaware corporation and is registered as a BHC under the BHC Act and an FHC under the GLB Act. Our accounting and reporting policies conform to U.S. GAAP. Additionally, where applicable, the policies conform to the accounting andreporting guideli