What were Ally Financial (ALLY) earnings per share in Q2 2026?

Ally reported GAAP EPS of $1.18 and Adjusted EPS of $1.21 for Q2 2026. GAAP EPS rose from $1.04 and Adjusted EPS from $0.99 in Q2 2025, reflecting higher net income and revenue.

Ally Financial (NYSE: ALLY) lifts Q2 2026 EPS to $1.18 on $2.286B revenue

Q: What revenue did Ally Financial (ALLY) generate in Q2 2026?

Ally generated $2.286 billion in GAAP total net revenue and $2.276 billion in Adjusted total net revenue. GAAP revenue grew 10% year over year, while Adjusted total net revenue also increased 10%, driven by higher net financing and other revenue.

Q: How did Ally Financial (ALLY) credit costs and asset quality trend in Q2 2026?

Provision for credit losses was $430 million , up $46 million year over year, with net charge-offs of $394 million. Despite higher provisions, retail auto net charge-offs fell to 1.57% and 30+ day retail auto delinquencies declined to 4.80% versus Q2 2025.

Q: What were Ally Financial (ALLY) key capital and liquidity metrics in Q2 2026?

Ally reported a 10.1% common equity tier 1 (CET1) capital ratio and total current available liquidity of $62.8 billion . Deposits totaled $154.0 billion, with retail deposits of $143.6 billion providing the majority of funding.

Q: How did Ally Financial (ALLY) auto finance and corporate finance segments perform in Q2 2026?

Automotive Finance delivered $410 million of pre-tax income on $13.3 billion of consumer auto originations. Corporate Finance produced $122 million of pre-tax income, supported by higher net revenue, favorable provision benefit, and a reported 32% return on equity.

Filing Impact

(High)

Filing Sentiment

(Neutral)

Form Type

8-K

Rhea-AI Filing Summary

Ally Financial Inc. reported preliminary results for the second quarter ended June 30, 2026, with GAAP net income attributable to common shareholders of $367 million and GAAP EPS of $1.18. Adjusted EPS was $1.21, and GAAP total net revenue was $2.286 billion, up 10% year over year.

Net financing revenue rose to $1.684 billion, while net interest margin excluding Core OID reached 3.63%. Provision for credit losses increased to $430 million, but retail auto net charge-offs fell to 1.57% and 30+ day retail auto delinquencies declined to 4.80%, both improving from 2025 levels.

Dealer Financial Services generated $463 million of pre-tax income on $13.3 billion of consumer auto originations, and Corporate Finance delivered $122 million of pre-tax income with a 32% ROE. The common equity tier 1 capital ratio was 10.1%, Adjusted tangible book value per share was $42.12, and total deposits were $154.0 billion.

Filing Explained

By June 30, Ally completed preferred-capital replacement and repurchased $148 million, with reported period-end common shares at 304,543 thousand.

Ally Financial reports that, during the second quarter, it issued $1.0 billion of fixed-rate reset perpetual preferred stock at 7.1%, using the proceeds to support redemption of $1.35 billion of outstanding Series B preferred stock.

The filing describes both steps as completed capital actions during the quarter, so the disclosure concerns a change in the preferred-capital mix rather than a proposed transaction.

Ally also reports $148 million of common-share repurchases during the quarter. Issued shares outstanding were 304,543 thousand at quarter-end, down from 307,408 thousand at the prior quarter-end.

The board approved a third-quarter common dividend of $0.30 per share, which the filing says was unchanged year over year.

8-K Event Classification

3 items: 0.05, 2.02, 9.01

3 items

Item 0.05 Item 0.05

Item 2.02 Results of Operations and Financial Condition Financial

Disclosure of earnings results, typically an earnings press release or preliminary financials.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, and exhibit attachments filed with this report.

Key Figures

GAAP Net Income Attributable to Common Shareholders: $367 million GAAP EPS: $1.18 Adjusted EPS: $1.21 +5 more

8 metrics

GAAP Net Income Attributable to Common Shareholders $367 million For the second quarter 2026, vs $324 million in 2Q 2025, up 13%

GAAP EPS $1.18 Second quarter 2026 earnings per common share, up from $1.04 in 2Q 2025

Adjusted EPS $1.21 Non-GAAP EPS for Q2 2026, up 22% from $0.99 in Q2 2025

GAAP Total Net Revenue $2,286 million Second quarter 2026 total net revenue, 10% higher than $2,082 million in Q2 2025

Net Financing Revenue (ex. Core OID) $1,703 million Q2 2026 net financing revenue excluding Core OID, vs $1,532 million in Q2 2025

Provision for Credit Losses $430 million Second quarter 2026 provision, increased $46 million year over year

CET1 Capital Ratio 10.1% Common equity tier 1 capital ratio at June 30, 2026

Retail Deposits $143.6 billion Period-end retail deposits, up $408 million year over year in Q2 2026

Key Terms

Adjusted EPS, Core ROTCE, Net interest margin, Provision for credit losses, +2 more

6 terms

Adjusted EPS financial

"Adjusted EPS is a non-GAAP financial measure that adjusts GAAP EPS"

Adjusted earnings per share (adjusted eps) is a measure of a company's profit per share that has been modified to exclude certain one-time or unusual items, such as costs from restructuring or asset sales. It provides a clearer picture of the company’s core performance by removing events that may distort the usual earnings. Investors use adjusted eps to better understand a company's ongoing profitability and compare it more accurately over time.

Core ROTCE financial

"Core Return on Tangible Common Equity (Core ROTCE) is a non-GAAP financial measure"

Net interest margin financial

"Net interest margin (excluding Core OID) is calculated using a non-GAAP measure"

Net interest margin measures how much a bank earns from lending and investing compared with what it pays for funding, expressed as a percentage of its interest-earning assets. Think of it like a grocery store’s markup: it shows the gap between buying cost and selling price per dollar of goods — here, the cost is interest paid and the sale is interest received. Investors watch it because a higher margin usually means a bank is more profitable and better at managing interest rate and credit conditions.

Provision for credit losses financial

"Provision for credit losses increased $46 million year over year to $430 million"

Provision for credit losses is an amount set aside by a financial institution to cover potential future losses from borrowers who may not repay their loans. It acts like a safety net, helping the institution manage risks and stay financially healthy. For investors, it signals how cautious a lender is about potential loan defaults and can impact the company's profitability and financial stability.

Common Equity Tier 1 (CET1) capital ratio financial

"Ally’s common equity tier 1 (CET1) capital ratio was 10.1%"

The common equity tier 1 (CET1) capital ratio measures a bank’s core capital—mainly common stock and retained earnings—against its assets after those assets are adjusted for risk. Think of it as the size of the bank’s financial cushion compared with the riskiness of what it owns; a higher CET1 ratio means a bigger cushion to absorb losses and generally signals greater safety for investors, though it can also affect returns.

Core OID financial

"Core Original Issue Discount (Core OID) Amortization Expense is a non-GAAP financial measure"

Earnings Snapshot

GAAP net income attributable to common shareholders: $367 million

second quarter 2026

GAAP net income attributable to common shareholders $367 million up 13% vs $324 million in Q2 2025

GAAP EPS $1.18 up 14% vs $1.04 in Q2 2025

Adjusted EPS $1.21 up 22% vs $0.99 in Q2 2025

GAAP total net revenue $2.286 billion up 10% vs $2.082 billion in Q2 2025

Adjusted total net revenue $2.276 billion up 10% vs $2.064 billion in Q2 2025

Net interest margin (ex. Core OID) 3.63% up from 3.45% in Q2 2025

Provision for credit losses $430 million up $46 million vs Q2 2025

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Available on EDGAR 07/21/2026 - 07:21 AM Accepted by SEC EDGAR 07/21/2026 - 07:20 AM

FAQ

How did Ally Financial (ALLY) net income change in Q2 2026?

Net income attributable to common shareholders was $367 million in Q2 2026, up from $324 million. This represents a 13% year-over-year increase, supported by higher net financing revenue and other revenue, partly offset by higher credit provisions.

What revenue did Ally Financial (ALLY) generate in Q2 2026?

Ally generated $2.286 billion in GAAP total net revenue and $2.276 billion in Adjusted total net revenue. GAAP revenue grew 10% year over year, while Adjusted total net revenue also increased 10%, driven by higher net financing and other revenue.

How did Ally Financial (ALLY) credit costs and asset quality trend in Q2 2026?

Provision for credit losses was $430 million, up $46 million year over year, with net charge-offs of $394 million. Despite higher provisions, retail auto net charge-offs fell to 1.57% and 30+ day retail auto delinquencies declined to 4.80% versus Q2 2025.

What were Ally Financial (ALLY) key capital and liquidity metrics in Q2 2026?

Ally reported a 10.1% common equity tier 1 (CET1) capital ratio and total current available liquidity of $62.8 billion. Deposits totaled $154.0 billion, with retail deposits of $143.6 billion providing the majority of funding.

How did Ally Financial (ALLY) auto finance and corporate finance segments perform in Q2 2026?

Automotive Finance delivered $410 million of pre-tax income on $13.3 billion of consumer auto originations. Corporate Finance produced $122 million of pre-tax income, supported by higher net revenue, favorable provision benefit, and a reported 32% return on equity.

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d)

of the Securities Exchange Act of 1934

(Date of report;

July 21, 2026

(Date of report; date of earliest event reported)

Commission file number: 1-3754

ALLY FINANCIAL INC.

(Exact name of registrant as specified in its charter)


Delaware		38-0572512
(State or other jurisdiction of		(I.R.S. Employer
incorporation or organization)		Identification No.)

Ally Detroit Center

500 Woodward Ave.

Floor 10, Detroit, Michigan 48226

(Address of principal executive offices)

(Zip Code)

(866) 710-4623

(Registrant’s telephone number, including area code)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

☐	Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐	Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐	Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐	Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading

symbol

Name of each exchange

on which registered

Common Stock, par value $0.01 per share

ALLY

NYSE

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02

Results of Operations and Financial Condition.

On July 21, 2026, Ally Financial Inc. issued a press release announcing preliminary operating results for the second quarter ended June 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 July 21, 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: July 21, 2026						/s/ Austin T. McGrath
						Austin T. McGrath
						Vice President, Controller, and Chief Accounting Officer

Exhibit 99.1

News release: IMMEDIATE RELEASE

LOGO


Ally Financial Reports Second Quarter 2026 Financial Results
$1.18	11.0%	$537 million	$2.3 billion
GAAP EPS	RETURN ON COMMON EQUITY	PRE-TAX INCOME	GAAP TOTAL NET REVENUE

$1.21	11.8%	$527 million	$2.3 billion
ADJUSTED EPS¹	CORE ROTCE¹	CORE PRE-TAX INCOME¹	ADJUSTED TOTAL NET REVENUE¹

FINANCIAL HIGHLIGHTS

•

GAAP EPS of $1.18 was up 14% year over year | Adjusted EPS¹ of $1.21 was up 22% year over year

•

GAAP Pre-tax income of $537 million was up 23% year over year | Core pre-tax income¹ of $527 million was up 26% year over year

•

Return on Common Equity of 11.0% was up ~20 bps year over year | Core ROTCE¹ of 11.8% was up ~80 bps year over year

•

NIM ex. OID¹ of 3.63% was up 11 bps quarter over quarter and up 18 bps year over year

•

Common equity tier 1 ratio of 10.1% was up ~20 bps year over year | Executed $148 million of share repurchases during the quarter

OPERATIONAL HIGHLIGHTS

•

$13.3 billion of consumer auto originations sourced from a record 4.6 million consumer auto applications

•

Estimated retail auto originated yield¹ of 9.09% with 47% of volume within the highest credit quality tier

•

Retail auto net charge-offs of 157 bps were down 18 bps year over year

•

Insurance written premiums of $382 million were up 9% year over year

•

$144 billion of retail deposits | 92% FDIC insured | 87% core deposit funded

•

69 consecutive quarters of retail deposit customer growth, serving 3.6 million customers

•

Corporate Finance HFI portfolio of $13.7 billion with non-performing loans at less than 1% | ROE of 32%

CEO COMMENTS

“Our results through the first half of the year reflect the strength of our franchises and disciplined execution of our teammates,” said Chief Executive Officer, Michael Rhodes. “The actions we have taken to sharpen our focus, enhance our balance sheet, and invest in our core businesses are translating into improved earnings, expanding returns, and increasing confidence in our path forward.

Dealer Financial Services once again demonstrated the strength of our franchise. Our scale and market position drove record application volume supporting more than $13 billion in originations, up 21% year-over-year. Our underwriting approach remains disciplined and responsive to market conditions, enabling us to grow while maintaining attractive risk-adjusted returns. Insurance written premiums were up nearly 10% year-over-year as our team deepens relationships and expands our integrated dealer offering.

Corporate Finance continues to deliver, producing a 32% return on equity while maintaining exceptional credit quality. The portfolio’s resilience and growth reflect our prioritization of credit risk management and the long-standing relationships that have guided our success through cycles.

At Ally Bank, we continue to benefit from the ongoing shift toward digital-first banking. Our retail depositor base has grown for more than 17 consecutive years with industry leading retention rates reflecting the value our customers place in our unique proposition. Meanwhile, our $144 billion in retail deposits provide a durable source of funding that supports accretive growth across our franchises and reinforces our competitive position.

As we enter the second half of 2026, we are building on a position of strength. While the operating environment remains dynamic, our strategy is working, our team is aligned, and the strength of our core franchises provides the resilience and flexibility to perform across market cycles. Our earnings power and return profile continue to improve, and I am confident in our ability to deliver long-term value for shareholders.”

Second Quarter 2026 Financial Results


										*Increase / (Decrease) vs.*
($ millions except per share data)	2Q 26			1Q 26			2Q 25			*1Q 26*			*2Q 25*
GAAP Net Income (Loss) Attributable to Common Shareholders	$	367		$	291		$	324			26	%		13	%
Core Net Income Attributable to Common Shareholders¹	$	375		$	346		$	309			8	%		21	%

GAAP Earnings per Common Share (basic or diluted as applicable)	$	1.18		$	0.93		$	1.04			27	%		14	%
Adjusted EPS¹	$	1.21		$	1.11		$	0.99			9	%		22	%

Return on GAAP Shareholders’ Equity		11.0	%		8.8	%		10.7	%		25	%		2	%
Core ROTCE¹		11.8	%		11.1	%		11.0	%		7	%		7	%

GAAP Common Shareholders’ Equity per Share	$	44.38		$	43.22		$	39.71			3	%		12	%
Adjusted Tangible Book Value per Share¹	$	42.12		$	40.93		$	37.30			3	%		13	%

GAAP Total Net Revenue	$	2,286		$	2,102		$	2,082			9	%		10	%
Adjusted Total Net Revenue¹	$	2,276		$	2,179		$	2,064			4	%		10	%

The following are non-GAAP financial measures which Ally believes are important to the reader of the Consolidated Financial Statements, but which are supplemental to and not a substitute for GAAP measures: Adjusted Earnings per Share (Adjusted EPS), Adjusted Total Net Revenue, Core Pre-Tax Income, Core Net Income Attributable to Common Shareholders, Core OID, Core Return on Tangible Common Equity (Core ROTCE), Estimated Retail Auto Originated Yield, Tangible Common Equity, Net Financing Revenue (excluding Core OID) and Adjusted Tangible Book Value per Share (Adjusted TBVPS). These measures are used by management and we believe are useful to investors in assessing the company’s operating performance and capital. Refer to the Definitions of Non-GAAP Financial Measures and Other Key Terms, and Reconciliation to GAAP later in this release.

LOGO

Discussion of Second Quarter 2026 Results

Net income attributable to common shareholders was $367 million in the quarter, compared to $324 million in the second quarter of 2025.

Net financing revenue was $1.7 billion, up $168 million year over year. Net interest margin (“NIM”) of 3.59% and net interest margin excluding core OID^A of 3.63% were up 18 bps year over year.

Other revenue increased $36 million year over year to $602 million which included a $29 million increase in fair value of equity securities in the quarter compared to a $35 million increase in the second quarter of 2025. Adjusted other revenue^A of $573 million increased $42 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 $46 million year over year to $430 million, as continued improvement in credit was offset by CECL reserve build associated with asset growth during the quarter.

Noninterest expense increased $57 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.

Second Quarter 2026 Financial Results


										*Increase/(Decrease) vs.*
($ millions except per share data)	2Q 26			1Q 26			2Q 25			*1Q 26*			*2Q 25*
(a) Net Financing Revenue	$	1,684		$	1,589		$	1,516		$	95		$	168
Core OID¹		19			18			16			1			3

Net Financing Revenue (excluding Core OID)¹		1,703			1,607			1,532			96			171
(b) Other Revenue		602			513			566			89			36
Repositioning²		—			0			—			(0	)		—
Change in Fair Value of Equity Securities³		(29	)		59			(35	)		(88	)		6

Adjusted Other Revenue¹		573			572			531			1			42
(c) Provision for Credit Losses		430			467			384			(37	)		46
Repositioning²		—			7			—			(7	)		—

Adjusted Provision for Credit Losses¹		430			474			384			(44	)		46
(d) Noninterest Expense		1,319			1,235			1,262			84			57
Repositioning²		—			—			—			—			—

Adjusted Noninterest Expense¹		1,319			1,235			1,262			84			57

Pre-Tax Income (loss) (a+b-c-d)	$	537		$	400		$	436		$	*137*		$	*101*
Income Tax Expense (Benefit)		127			81			84			46			43
Net Income (Loss) from Discontinued Operations		—			—			—			—			—

Net Income (Loss)	$	410		$	319		$	352		$	91		$	58
Preferred Dividends		43			28			28			15			15

Net Income (Loss) Attributable to Common Shareholders	$	367		$	291		$	324		$	76		$	43

GAAP EPS (basic or diluted, as applicable)	$	1.18		$	0.93		$	1.04		$	*0.25*		$	*0.15*
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		(0.07	)		0.15			(0.09	)		(0.22	)		0.01
Repositioning, Discontinued Ops., and Other, Net of Tax²		—			(0.02	)		—			0.02			—
Significant Discrete Tax Items		—			—			—			—			—
Capital Actions (preferred redemption)		0.05			—			—			0.05			0.05

Adjusted EPS¹	$	1.21		$	1.11		$	0.99		$	*0.10*		$	*0.21*

(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.

LOGO

Pre-Tax Income by Segment


										*Increase/(Decrease) vs.*
($ millions)	2Q 26			1Q 26			2Q 25			1Q 26			2Q 25
Automotive Finance	$	410		$	336		$	472		$	74		$	(62	)
Insurance		53			28			28			25			25

Dealer Financial Services	$	463		$	364		$	500		$	99		$	*(37*	)
Corporate Finance		122			94			96			28			26
Corporate and Other		(48	)		(58	)		(160	)		10			112

Pre-Tax Income (Loss) from Continuing Operations	$	537		$	400		$	436		$	*137*		$	*101*

Core OID¹		19			18			16			1			3
Change in Fair Value of Equity Securities²		(29	)		59			(35	)		(88	)		6
Repositioning³		—			(7	)		—			7			—

Core Pre-Tax Income¹	$	527		$	470		$	418		$	57		$	*109*

(1)	Represents a non-GAAP financial measure. Refer to the Definitions of Non-GAAP Financial Measures and Other Key Terms and Reconciliation to GAAP later in this press release.

(2)	Change in fair value of equity securities primarily impacts the Insurance, Corporate Finance, and Corporate and Other segments. Reflects equity fair value adjustments which requires change in the fair value of equity securities to be recognized in current period net income.

(3)	Contains non-GAAP financial measures and other financial measures. See pages 5 and 6 for definitions.

Discussion of Segment Results

Auto Finance

Pre-tax income of $410 million was down $62 million year over year, primarily driven by higher provision and noninterest expense, partially offset by higher revenue.

Net financing revenue of $1.3 billion was up $22 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, increased 6 bps year over year to 9.25% as the portfolio benefited from higher yielding vintages.

Provision for credit losses of $442 million was up $55 million year over year as continued improvement in retail auto credit was more than offset by CECL reserve build associated with asset growth in the quarter. The retail auto net charge-off rate of 1.57% decreased 18 bps year over year. Retail auto delinquencies 30+ days past due, inclusive of non-accrual loans, decreased 8 bps year over year to 4.80%, representing five consecutive quarters of year over year improvement.

Noninterest expense of $568 million was up $36 million year over year, primarily due to higher servicing expenses related to asset growth.

Consumer auto originations of $13.3 billion included $8.3 billion of used retail volume, or 63% of total originations, $4.2 billion of new retail volume, and $739 million of lease. Estimated retail auto originated yield^B was 9.09% in the quarter with 47% of originations in our highest credit quality tier.

End-of-period auto earning assets of $123.4 billion increased $10.0 billion year over year. End-of-period consumer auto earning assets of $97.8 billion increased $5.5 billion year over year driven by strong consumer originations. End-of-period commercial earning assets of $25.6 billion were up $4.5 billion year over year primarily driven by higher vehicle inventories.

Insurance

Pre-tax income of $53 million was up $25 million year over year. Results included a $29 million increase in fair value of equity securities compared to a $30 million increase in the prior year period. Core pre-tax income^C of $24 million increased $26 million year over year, primarily driven by higher realized investment gains.

Insurance losses of $208 million were up $5 million year over year.

Written premiums of $382 million were up $33 million year over year.

Total investment income, excluding the change in fair value of equity securities^D, was $85 million, up $26 million year over year driven by higher realized investment gains.

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.

^C	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.

^D	Change in the fair value of equity securities to be recognized in current period net income. Refer to the Definitions of Non-GAAP Financial Measures and Other Key Terms and Reconciliation to GAAP later in this press release.

LOGO

Discussion of Segment Results

Corporate Finance

Pre-tax income of $122 million was up $26 million year over year driven by higher net revenue and favorable provision expense.

Net financing revenue of $116 million was up $8 million year over year primarily driven by asset growth. Other revenue of $29 million was up $10 million year over year primarily driven by favorable equity investment gains and syndication income.

Provision benefit of $12 million was $10 million favorable year over year primarily due to a specific reserve release associated with the sale of a legacy healthcare cash flow exposure.

Return on equity (ROE) for the quarter was 32%.

The held-for-investment loan portfolio of $13.7 billion is 100% first lien. Criticized assets and non-accrual loan percentages remain near historically low levels at 10% and 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 $0.30 per share common dividend for the third quarter of 2026. Ally repurchased $148 million in shares during the quarter.

Additionally, $1.0B of fixed-rate reset perpetual preferred stock was issued at 7.1% with proceeds from the transaction used to support the redemption of $1.35B outstanding Series B preferred stock during the quarter.

Ally’s common equity tier 1 (CET1) capital ratio was 10.1%. Risk weighted assets (RWA) of $156.8 billion were up $1.6 billion quarter over quarter.

Liquidity & Funding

Cash and cash equivalents^E totaled $7.5 billion. Highly liquid securities were $20.6 billion and unused pledged borrowing capacity at the FHLB and FRB was $7.5 billion and $27.2 billion, respectively. Total current available liquidity^F was $62.8 billion, 5.3x uninsured deposit balances.

Deposits represented 87% of Ally’s funding portfolio.

Deposits

Retail deposits of $143.6 billion were up $408 million year over year, and down $2.6 billion quarter over quarter. Total deposits were $154.0 billion and Ally maintained an industry-leading customer retention rate^G.

The average retail deposit portfolio yield was 3.12%, down 46 bps year over year and 15 bps quarter over quarter.

Ally Bank added 63 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.

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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 shareholder’s equity is adjusted for goodwill and identifiable intangibles net of DTL and tax-effected Core OID balance.

Adjusted Efficiency Ratio is a non-GAAP financial measure that management believes is helpful to readers in comparing the efficiency of its core banking and lending businesses with those of its peers. In the numerator of Adjusted Efficiency Ratio, total noninterest expense is adjusted for rep and warrant expense, Insurance segment expense, and repositioning and other which are primarily related to the extinguishment of high-cost legacy debt, strategic activities and significant other one-time items, as applicable for respective periods. In the denominator, total net revenue is adjusted for Core OID and Insurance segment revenue. See Reconciliation to GAAP on page 7 for calculation methodology and details.

Adjusted Tangible Book Value per Share (Adjusted TBVPS) is a non-GAAP financial measure that reflects the book value of equity attributable to shareholders even if Core OID balance were accelerated immediately through the financial statements. As a result, management believes Adjusted TBVPS provides the reader with an assessment of value that is more conservative than GAAP common shareholder’s equity per share. Adjusted TBVPS generally adjusts common equity for: (1) goodwill and identifiable intangibles, net of DTLs, and (2) tax-effected Core OID balance to reduce tangible common equity in the event the corresponding discounted bonds are redeemed/tendered, as applicable for respective periods.

Core Net Income Attributable to Common Shareholders is a non-GAAP financial measure that serves as the numerator in the calculations of Adjusted EPS and Core ROTCE and that, like those measures, is believed by management to help the reader better understand the operating performance of the core businesses and their ability to generate earnings. Core Net Income Attributable to Common Shareholders adjusts GAAP net income attributable to common shareholders for discontinued operations net of tax, tax-effected Core OID expense, tax-effected repositioning and other primarily related to the extinguishment of high-cost legacy debt and strategic activities and significant other, preferred stock capital actions, significant discrete tax items and tax-effected changes in equity investments measured at fair value, as applicable for respective periods. See Reconciliation to GAAP on page 6 for calculation methodology and details.

Core Original Issue Discount (Core OID) Amortization Expense is a non-GAAP financial measure for OID, and is believed by management to help the reader better understand the activity removed from: Core pre-tax income (loss), Core net income (loss) attributable to common shareholders, Adjusted EPS, Core ROTCE, Adjusted efficiency ratio, Adjusted total net revenue, and Net financing revenue (excluding Core OID). Core OID is primarily related to bond exchange OID which excludes international operations and future issuances. See page 7 for calculation methodology and details.

Core Outstanding Original Issue Discount Balance (Core OID balance) is a non-GAAP financial measure for outstanding OID and is believed by management to help the reader better understand the balance removed from Core ROTCE and Adjusted TBVPS. Core OID balance is primarily related to bond exchange OID which excludes international operations and future issuances. See page 7 for calculation methodology and details.

Core Pre-Tax Income is a non-GAAP financial measure that adjusts pre-tax income from continuing operations by excluding (1) Core OID, and (2) change in fair value of equity securities (change in fair value of equity securities impacts the Insurance and Corporate Finance, and Corporate & Other segments), and (3) Repositioning and other which are primarily related to the extinguishment of high-cost legacy debt, strategic activities and significant other one-time items, as applicable for respective periods or businesses. Management believes core pre-tax income can help the reader better understand the operating performance of the core businesses and their ability to generate earnings. See the Pre-Tax Income by Segment Table on page 3 for calculation methodology and details.

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. Subsequent to December 1, 2021, the revenue and expense activity associated with Ally Credit Card was included within the Corporate and Other segment. Ally Credit Card was moved to Assets of Operations Held for Sale on March 31, 2025. The sale of Ally Credit Card closed on April 1, 2025.

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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)*		2Q 26			1Q 26			2Q 25
GAAP Net Income (Loss) Attributable to Common Shareholders		$	367		$	291		$	324
Discontinued Operations, Net of Tax			—			—			—
Core OID			19			18			16
Repositioning and Other			—			(7	)		—
Change in the Fair Value of Equity Securities			(29	)		59			(35	)
Tax on: Core OID, Repo, & Change in Fair Value of Equity Securities (21% tax rate)			2			(15	)		4
Significant Discrete Tax Items			—			—			—
Capital Actions (preferred redemption)			15			—			—

Core Net Income Attributable to Common Shareholders	[a]	$	375		$	346		$	309

*Denominator*
Weighted-Average Common Shares Outstanding (basic or diluted as applicable, thousands)	[b]		311,035			313,219			312,434

Adjusted EPS	[a] ÷ [b]	$	1.21		$	1.11		$	0.99

Core Return on Tangible Common Equity (ROTCE)


*Numerator ($ millions)*		2Q 26			1Q 26			2Q 25
GAAP Net Income (Loss) Attributable to Common Shareholders		$	367		$	291		$	324
Discontinued Operations, Net of Tax			—			—			—
Core OID			19			18			16
Repositioning and Other			—			(7	)		—
Change in Fair Value of Equity Securities			(29	)		59			(35	)
Tax on: Core OID, Repo, & Change in Fair Value of Equity Securities (21% tax rate)			2			(15	)		4
Significant Discrete Tax Items			—			—			—
Capital Actions (preferred redemption)			15			—			—

Core Net Income Attributable to Common Shareholders	[a]	$	375		$	346		$	309

*Denominator (Average, $ millions)*
GAAP Shareholders’ Equity		$	15,550		$	15,554		$	14,390
Preferred Equity			(2,150	)		(2,324	)		(2,324	)

GAAP Common Shareholders’ Equity		$	13,400		$	13,230		$	12,066
Goodwill & Identifiable Intangibles, Net of Deferred Tax Liabilities (DTLs)			(187	)		(187	)		(241	)

Tangible Common Equity		$	13,213		$	13,042		$	11,824
Tax-effected Core OID balance (tax rate 21%)			(508	)		(523	)		(563	)
Adjusted Tangible Common Equity	[b]	$	12,705		$	12,520		$	11,261

Core Return on Tangible Common Equity	[a] ÷ [b]		11.8	%		11.1	%		11.0	%

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Adjusted Tangible Book Value per Share


*Numerator ($ millions)*		2Q 26			1Q 26			2Q 25
GAAP Shareholders’ Equity		$	15,491		$	15,609		$	14,547
Preferred Equity			(1,976	)		(2,324	)		(2,324	)

GAAP Common Shareholders’ Equity		$	13,515		$	13,285		$	12,223
Goodwill and Identifiable Intangible Assets, Net of DTLs			(187	)		(187	)		(187	)

Tangible Common Equity			13,328			13,098			12,036
Tax-effected Core OID Balance (21% tax rate)			(501	)		(516	)		(557	)

Adjusted Tangible Book Value	[a]	$	12,827		$	12,582		$	11,479
*Denominator*
Issued Shares Outstanding (period-end, thousands)	[b]		304,543			307,408			307,787
*Metric*
GAAP Common Shareholders’ Equity per Share		$	44.38		$	43.22		$	39.71
Goodwill and Identifiable Intangible Assets, Net of DTLs per Share			(0.61	)		(0.61	)		(0.61	)

Tangible Common Equity per Share		$	43.76		$	42.61		$	39.10
Tax-effected Core OID Balance (21% tax rate) per Share			(1.64	)		(1.68	)		(1.81	)

Adjusted Tangible Book Value per Share	[a] ÷ [b]	$	42.12		$	40.93		$	37.30

Adjusted Efficiency Ratio


*Numerator ($ millions)*		2Q 26			1Q 26			2Q 25
GAAP Noninterest Expense		$	1,319		$	1,235		$	1,262
Insurance Expense			(434	)		(350	)		(424	)
Repositioning and Other			—			—			—

Adjusted Noninterest Expense for Adjusted Efficiency Ratio	[a]	$	885		$	885		$	838
*Denominator ($ millions)*
Total Net Revenue		$	2,286		$	2,102		$	2,082
Core OID			19			18			16
Repositioning Items			—			0			—
Insurance Revenue			(487	)		(378	)		(452	)

Adjusted Net Revenue for Adjusted Efficiency Ratio	[b]	$	1,818		$	1,742		$	1,646
Adjusted Efficiency Ratio	[a] ÷ [b]		48.7	%		50.8	%		50.9	%

Original Issue Discount Amortization Expense ($ millions)



	2Q 26			1Q 26			2Q 25
GAAP Original Issue Discount Amortization Expense	$	20		$	19		$	18
Other OID		(1	)		(1	)		(2	)

Core Original Issue Discount (Core OID) Amortization Expense	$	19		$	18		$	16

Outstanding Original Issue Discount Balance ($ millions)


	2Q 26			1Q 26			2Q 25
GAAP Outstanding Original Issue Discount Balance	$	(649	)	$	(670	)	$	(727	)
Other Outstanding OID Balance		16			17			22

Core Outstanding Original Issue Discount Balance (Core OID Balance)	$	(634	)	$	(653	)	$	(705	)

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($ millions)

Net Financing Revenue (Excluding Core OID)

2Q 26

1Q 26

2Q 25

GAAP Net Financing Revenue

[w]

1,684

1,589

1,516

Core OID

Net Financing Revenue (Excluding Core OID)

[a]

1,703

1,607

1,532

Adjusted Other Revenue

2Q 26

1Q 26

2Q 25

GAAP Other Revenue

[x]

602

513

566

Accelerated OID & Repositioning Items

—

Change in Fair Value of Equity Securities

(29

)

(35

)

Adjusted Other Revenue

[b]

573

572

531

Adjusted Total Net Revenue

2Q 26

1Q 26

2Q 25

Adjusted Total Net Revenue

[a]+[b]

2,276

2,179

2,064

Adjusted Provision for Credit Losses

2Q 26

1Q 26

2Q 25

GAAP Provision for Credit Losses

[y]

430

467

384

Repositioning

—

Adjusted Provision for Credit Losses

[c]

430

474

384

Adjusted Noninterest Expense

2Q 26

1Q 26

2Q 25

GAAP Noninterest Expense

[z]

1,319

1,235

1,262

Repositioning

—

Adjusted Noninterest Expense

[d]

1,319

1,235

1,262

Core Pre-Tax Income

2Q 26

1Q 26

2Q 25

Pre-Tax Income (Loss)

[w]+[x]-[y]-[z]

537

400

436

Core Pre-Tax Income

[a]+[b]-[c]-[d]

527

470

418

Insurance Non-GAAP Walk to Core Pre-Tax Income


($ millions)	2Q 2026							2Q 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	$	373	$	—		$	373	$	363	$	—		$	363
Losses and Loss Adjustment Expenses		208		—			208		203		—			203
Acquisition and Underwriting Expenses		226		—			226		221		—			221
Investment Income and Other		114		(29	)		85		89		(30	)		59

Pre-Tax Income from Continuing Operations	$	53	$	(29	)	$	24	$	28	$	(30	)	$	(2	)

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

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Additional Financial Information

For additional financial information, the second 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 $200 billion in assets and 9.6 million customers (as of June 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:
Sean Leary		Peter Gilchrist
Ally Investor Relations		Ally Communications (Media)
704-444-4830		704-644-6299
sean.leary@ally.com		peter.gilchrist@ally.com

Exhibit 99.2 Ally Financial 2Q 2026 Earnings Review July 21, 2026 Contact Ally Investor Relations at (866) 710-4623 or investor.relations@ally.com

G: 43 G: 92 G: 93 G: 242 G: 255 G: [ ] G: 236 G: 253 2Q 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

G: 43 G: 92 G: 93 G: 242 G: 255 G: [ ] G: 236 G: 253 2Q 2026 Preliminary Results GAAP and Core Results: Quarterly Quarterly Trend ($ millions; except per share data) 2Q 26 1Q 26 4Q 25 3Q 25 2Q 25 GAAP net income (loss) attributable to common shareholders (NIAC) $ 367 $ 291 $ 300 $ 371 $ 3 24 (1)(2) Core net income attributable to common shareholders $ 375 $ 346 $ 3 41 $ 363 $ 3 09 GAAP earnings per common share (EPS)(basic or diluted as applicable, NIAC) $ 1.18 $ 0.93 $ 0.95 $ 1.18 $ 1.04 (1)(2) Adjusted EPS $ 1 .21 $ 1 .11 $ 1.09 $ 1.15 $ 0.99 Return on GAAP common shareholders' equity 11.0% 8.8% 9.2% 11.9% 10.7% (1)(2) Core ROTCE 11.8% 11.1% 11.1% 12.3% 11.0% GAAP common shareholders' equity per share $ 4 4.38 $ 43.22 $ 42.70 $ 4 1.56 $ 39.71 (1)(2) Adjusted tangible book value per share (Adjusted TBVPS) $ 42.12 $ 40.93 $ 40.38 $ 3 9.19 $ 3 7.30 Efficiency ratio 57.7% 58.8% 58.9% 57.2% 60.6% (1)(2) Adjusted efficiency ratio 48.7% 50.8% 50.8% 50.0% 50.9% GAAP total net revenue $ 2,286 $ 2,102 $ 2,123 $ 2,168 $ 2,082 (1)(2) Adjusted total net revenue $ 2 ,276 $ 2,179 $ 2,165 $ 2 ,157 $ 2,064 Effective tax rate 23.6% 20.3% 15.3% 22.4% 19.3% (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

G: 43 G: 92 G: 93 G: 242 G: 255 G: [ ] G: 236 G: 253 2Q 2026 Preliminary Results Quarterly Highlights Disciplined execution driving results GAAP Net (2) GAAP EPS GAAP Pre-Tax Return on Equity NIM ex. OID Revenue $1.18 $537 11.0% $2.3B 3.63% Adjusted Net (1) (1) (1) Adjusted EPS Core Pre-Tax Core ROTCE CET1 (1) Revenue $1.21 $527 11.8% $2.3B 10.1% ↑ 22% YoY↑ 26% YoY↑ 80bps YoY↑ 10% YoY↑ 20bps 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.

G: 43 G: 92 G: 93 G: 242 G: 255 G: [ ] G: 236 G: 253 2Q 2026 Preliminary Results Market Leading Franchises Dealer Financial Services Corporate Finance Auto Finance Insurance 25+ Year History $13.3B 4.6M 7K 4.1M 8.2% $13.7B Consumer Consumer U.S. & Canadian Active F&I and Gross Revenue HFI Loans (2) Originations Applications Dealer Relationships P&C Policies Yield 9.1% 47% 2.3 5% 100% <1% Retail Auto Retail S-Tier U.S. F&I Products Sold YoY Avg. Dealer % of Portfolio % Loans (1) Originated Yield Originations per Dealer Inventory Growth First-Lien Non-Accrual Consumer Applications Written Premiums Return on Equity ($ millions) $382 4.6M 38% $349 32% 3.9M 31% $344 3.7M 29% 3.5M $299 2Q’23 2Q’24 2Q’25 2Q’26 2Q’23 2Q’24 2Q’25 2Q’26 2Q’23 2Q’24 2Q’25 2Q’26 Largest, all-digital, direct U.S. bank 69 Quarters $144B 69% 92% 87% Consecutive Customer (3) (4) Retail Deposit Balances Cumulative Liquid Beta % FDIC Insured % Deposit Funded Growth Retail Deposits $144B Retail Deposit Balances | Primary Deposit Customers 3.6M $71B 1.3M 2Q’17 2Q’18 2Q‘19 2Q‘20 2Q‘21 2Q‘22 2Q‘23 2Q’24 2Q’25 2Q’26 Average Customer Balance $54K $40K 5 See page 23 for footnotes.

G: 43 G: 92 G: 93 G: 242 G: 255 G: [ ] G: 236 G: 253 2Q 2026 Preliminary Results 2Q 2026 Financial Results Consolidated Income Statement - Quarterly Results Increase / (Decrease) vs. ($ millions; except per share data) 2Q 26 1Q 26 2Q 25 1Q 26 2Q 25 Net financing revenue $ 1,684 $ 1,589 $ 1,516 $ 95 $ 168 (1) 19 18 16 1 3 Core OID (1) 1,703 1,607 1,532 96 171 Net financing revenue (ex. Core OID) Other revenue $ 6 02 $ 513 $ 566 $ 89 $ 36 (2) - 0 - (0) - Repositioning items (2) (29) 59 (35) (88) 6 Change in fair value of equity securities (1) 573 5 72 5 31 1 42 Adjusted other revenue Provision for credit losses $ 4 30 $ 467 $ 3 84 $ (37) $ 46 Memo: Net charge-offs 394 417 366 (23) 28 Memo: Provision build / (release) 36 50 18 (14) 18 (2) - 7 - (7) - Repositioning items (1) 430 474 384 (44) 46 Adjusted provision for credit losses Noninterest expense $ 1,319 $ 1,235 $ 1,262 $ 84 $ 57 (2) - - - - - Repositioning items (1) 1 ,319 1,235 1,262 84 57 Adjusted noninterest expense Pre-tax income (loss) $ 537 $ 400 $ 4 36 $ 1 37 $ 101 Income tax expense / (benefit) 127 81 84 46 43 Net income (loss) from discontinued operations - - - - - Net income (loss) $ 410 $ 319 $ 352 $ 91 $ 58 Preferred dividends Includes $15M attributable to pref. series B redemption; excluded from core metrics 43 28 28 15 15 Net income (loss) attributable to common shareholders $ 367 $ 291 $ 324 $ 76 $ 43 GAAP EPS (basic or diluted as applicable, NIAC) $ 1.18 $ 0.93 $ 1 .04 $ 0.25 $ 0.15 (1) 0.05 0.05 0.04 0 .00 0 .01 Core OID, net of tax (2) (0.07) 0.15 (0.09) (0.22) 0.01 Change in fair value of equity securities, net of tax (2) - (0.02) - 0 .02 - Repositioning, discontinued ops., and other, net of tax - - - - - Significant discrete tax items 0.05 - - 0 .05 0.05 Capital Actions (preferred redemption) (1) $ 1.21 $ 1.11 $ 0.99 $ 0.10 $ 0.21 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

G: 43 G: 92 G: 93 G: 242 G: 255 G: [ ] G: 236 G: 253 2Q 2026 Preliminary Results Balance Sheet and Net Interest Margin Strong margin expansion in 2Q driven by disciplined deposit pricing actions 2Q 2026 1Q 2026 2Q 2025 Average Average Average Yield Yield Yield Balance Balance Balance Retail Auto Loans (ex. hedge) $ 87,535 9.25% $ 8 5,858 9.27% $ 83,858 9.19% Memo: Impact from hedges 0.03% 0.03% 0.08% Retail Auto Loans (inc. hedge) $ 87,535 9.28% $ 85,858 9.30% $ 83,858 9.27% Auto Leases (net of depreciation) 8,689 5.61% 8 ,805 5.73% 7,919 6.88% Commercial Auto 24,720 5.70% 22,926 5.78% 20,863 6.18% Corporate Finance 13,811 7.36% 13,348 7.43% 11,079 8.52% (1) 1 5,200 3.16% 15,708 3.21% 16,798 3.17% Mortgage (2) 8,931 3.57% 9,100 3.61% 8,888 4.32% Cash and Cash Equivalents (3) Investment Securities & Other 29,537 3.34% 29,326 3.28% 28,658 3.50% Earning Assets $ 188,423 6.80% $ 185,071 6.81% $ 178,063 7.00% (3) 150,356 7.67% 1 47,017 7.70% 140,816 7.88% Total Loans and Leases (4) Deposits $ 152,591 3.15% $ 151,867 3.29% $ 148,444 3.59% Unsecured Debt 9,846 7.61% 9,993 7.60% 10,458 7.47% Secured Debt 3,187 4.87% 2,860 5.17% 1,794 5.51% (5) 8,433 4.11% 6,137 4.02% 4,352 4.15% Other Borrowings Funding Sources $ 174,058 3.48% $ 170,857 3.60% $ 165,048 3.88% NIM (as reported) 3.59% 3.48% 3.41% (6) $ 643 11.72% $ 661 11.09% $ 7 13 9.07% Core OID (6) 3.63% 3.52% 3.45% NIM (ex. Core OID) 7 See page 23 for footnotes.

G: 43 G: 92 G: 93 G: 242 G: 255 G: [ ] G: 236 G: 253 2Q 2026 Preliminary Results Capital (1) • 2Q‘26 CET1 ratio of 10.1% and TCE / TA ratio of 6.7% Capital Ratios and Risk-Weighted Assets – Preliminary fully phased-in AOCI CET1 ratio of 9.3% under Revised Standardized Approach (RSA) Total Capital 13.6% 13.4% 13.4% 13.2% 13.2% Ratio • $4.8B of CET1 capital above FRB requirement of 7.1% 11.7% 11.6% 11.6% Tier 1 Ratio 11.4% 11.4% • Executed a $5B auto credit risk transfer transaction CET1 Ratio generating ~20bps of capital at the time of issuance 10.2% 10.1% 10.1% 10.1% 9.9% • Issued $1.0B of fixed-rate reset perpetual preferred stock at 7.1% with proceeds from the transaction used to support the redemption of $1.35B outstanding Series B preferred stock – New issuance coupon of 7.1% is ~80bps lower than scheduled reset; Risk favorable go-forward economics relative to reset rate Weighted $151B $151B $153B $155B $157B Assets • Executed $148M of share repurchases in 2Q ($295M YTD) • 3Q’26 common dividend of $0.30 per share 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 (1) Adjusted Tangible Book Value per Share Adjusted (1) TBV/Share $42 $39 +13% $37 YoY $34 $34 $33 $32 $32 $28 $27 $26 $24 $21 2Q 14 2Q 15 2Q 16 2Q 17 2Q 18 2Q 19 2Q 20 2Q 21 2Q 22 2Q 23 2Q 24 2Q 25 2Q 26 End of Period Shares Outstanding 480M 482M 484M 452M 426M 393M 374M 363M 313M 302M 305M 308M 305M 8 (1) Contains a Non-GAAP financial measure. See pages 19 – 21 for definitions.

G: 43 G: 92 G: 93 G: 242 G: 255 G: [ ] G: 236 G: 253 2Q 2026 Preliminary Results Asset Quality (1) Net Charge-Offs (NCOs) Retail Auto Delinquencies (21bps) (20bps) (15bps) (36bps) (6bps) (30bps) YoY YoY (24bps) (18bps) (8bps) YoY YoY (17bps) YoY YoY YoY YoY YoY 2.14% 5.25% YoY 30+ DPD 1.97% 1.88% Retail Auto 1.75% 4.88% 4.90% Delinquency 1.57% 4.80% NCO Rate 4.60% Rate (All-in) 4.24% Consolidated 30+ DPD 1.34% 1.18% 1.21% 1.11% 1.10% 3.93% 3.91% 3.89% NCO Rate Delinquency 3.69% (15bps) (1) Rate (42bps) (31bps) YoY (2bps) (10bps) YoY YoY YoY YoY $452 Consolidated $417 NCOs ($M) $395 $394 $366 60+ DPD Delinquency (1) Rate 1.14% 1.04% 1.03% 1.04% 0.97% 90+ DPD 0.52% Delinquency 0.48% 0.50% 0.48% 0.48% Rate 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 See page 22 for definition. (1) Includes accruing contracts only. Note: Excludes write-downs from mortgage loans transferred to HFS in 4Q 2025. Note: Days Past Due is abbreviated as (“DPD”). Consolidated Coverage Retail Auto Coverage ($ billions) ($ billions) 3.75% 3.75% 3.75% 3.75% 3.75% 2.56% 2.57% 2.54% 2.53% 2.49% $3.6 $3.5 $3.5 $3.5 $3.4 $3.3 $3.3 $3.2 $3.2 $3.2 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 9 Note: Coverage rate calculations exclude fair value adjustment for loans in hedge accounting relationships.

G: 43 G: 92 G: 93 G: 242 G: 255 G: [ ] G: 236 G: 253 2Q 2026 Preliminary Results Auto Finance • Auto pre-tax income of $410 million Increase / (Decrease) vs. Key Financials ($ millions) 2Q 26 1Q 26 2Q 25 • Retail portfolio yield ex. hedge of 9.25% Net financing revenue $ 1,316 $ 25 $ 22 – Consumer originations of $13.3 billion, up $2.3 billion YoY driven by Total other revenue 104 (1) 7 record 4.6M applications Total net revenue $ 1,420 $ 24 $ 29 – Originated yield of 9.1%, reflecting higher credit quality origination Provision for credit losses 442 (26) 55 mix (47% S-tier vs 41% in 1Q) and typical application mix seasonality (1) 5 68 (24) 36 Noninterest expense Pre-tax income $ 410 $ 74 $ (62) • Provision expense of $442 million, up $55 million YoY reflects continued improvement in credit offset by CECL U.S. Auto earning assets (EOP) $ 123,397 $ 4 ,048 $ 9 ,953 reserve build associated with asset growth in the quarter Key Statistics – Portfolio credit performance remains stable with flow-to-loss rates, Remarketing gains (losses) ($ millions) $ (2) $ 8 $ ( 2) used vehicle values, and delinquencies remaining constructive Average gain (loss) per vehicle $ (82) $ 581 $ (96) – Consumer remains resilient; macroeconomic and geopolitical Off-lease vehicles terminated (# units) 19,510 4,348 (6,792) environment remain watch items Application volume (# thousands) 4,550 1 36 6 73 Retail Auto Yield Trend Consumer Application & Origination Trend S-Tier Origination 47% Mix 42% 42% 42% Applications 41% 4.6M 4.4M +17% 4.0M 3.9M 3.8M YoY 9.82% Estimated 9.72% 9.62% 9.60% Originated $13.3 9.09% (2) Yield $11.7 $11.5 $11.0 9.32% $10.8 Consumer 9.27% 9.28% 9.30% 9.28% Hedge Originations Impact ($ billions) +21% Portfolio YoY Yield 9.19% 9.21% 9.27% 9.27% 9.25% ex. hedge 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 Retail Weighted Average FICO 710 708 706 703 713 10 See page 23 for footnotes.

G: 43 G: 92 G: 93 G: 242 G: 255 G: [ ] G: 236 G: 253 2Q 2026 Preliminary Results Insurance Increase / (Decrease) vs. • Insurance pre-tax income of $53 million and core pre-tax (1) Key Financials ($ millions) 2Q 26 1Q 26 2Q 25 income of $24 million Premiums, service revenue earned and other income $ 3 73 $ 10 $ 10 – $373 million of earned premiums, up $10 million YoY VSC losses 30 1 ( 5) Weather losses 99 83 8 • Insurance losses of $208 million, up $5 million YoY All other losses 79 3 2 Losses and loss adjustment expenses 2 08 87 5 – Weather losses up $8 million YoY driven by increased inventory (2) Acquisition and underwriting expenses 226 (3) 5 exposure Total underwriting income/(loss) (61) (74) - Investment income and other 114 99 25 – Renewed excess of loss reinsurance policy which mitigates overall Pre-tax income (loss) $ 53 $ 25 $ 25 weather volatility within P&C inventory program (3) (29) (88) 1 Change in fair value of equity securities (1) $ 24 $ (63) $ 26 Core pre-tax income (loss) • Written premiums of $382 million, up 9% YoY Total assets (EOP) $ 1 0,031 $ 143 $ 326 – New dealer relationships and disciplined execution supports Key Statistics - Insurance Ratios 2Q 26 1Q 26 2Q 25 written premium growth Loss ratio 56.0% 33.2% 56.0% – Leveraging synergies with auto dealer network to deliver a Underwriting expense ratio 60.7% 63.0% 61.1% complementary product suite aligned with all-in value proposition Combined ratio 116.7% 96.2% 117.1% Written Premiums Insurance Losses ($ millions) ($ millions) $389 $385 $384 $382 $208 $203 $349 Other $21 $24 P&C Premium $108 $110 $130 GAP $127 $21 $81 $18 $141 P&C non- $37 $34 $121 weather $111 $22 $20 $25 $25 $21 Weather $91 $99 $43 $277 F&I Premium $20 $272 $268 $257 $259 $30 $32 $22 $16 $3 $35 $34 VSC $32 $29 $30 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 2Q 25 3Q 25 4Q 25 1Q 26 2Q 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.

G: 43 G: 92 G: 93 G: 242 G: 255 G: [ ] G: 236 G: 253 2Q 2026 Preliminary Results Corporate Finance • Corporate Finance pre-tax income of $122 million – Net financing revenue up YoY driven by portfolio growth Increase / (Decrease) vs. – Other revenue up YoY driven by higher equity investment gains and Key Financials ($ millions) 2Q 26 1Q 26 2Q 25 syndication income Net financing revenue $ 116 $ 3 $ 8 Other revenue 29 (6) 10 • Business continues to deliver strong returns; 2Q ROE of 32% Total net revenue 145 ( 3) 18 • Held-for-investment loans of $13.7 billion Provision for credit losses (12) (20) (10) (2) – Well-diversified, high-quality, 100% first-lien, floating rate loans Noninterest expense 35 ( 11) 2 Pre-tax income $ 1 22 $ 28 $ 26 – Focus on responsible growth in a highly competitive marketplace (3) Change in fair value of equity securities 0 0 0 • Disciplined credit and operational risk management (1) $ 122 $ 28 $ 26 Core pre-tax income – 2Q charge-off tied to legacy healthcare cash flow exposure; fully Total assets (EOP) $ 1 3,893 $ 90 $ 2,853 reserved for prior to sale and resulted in net P&L benefit upon resolution and sale of the exposure – Criticized assets and non-accrual loans of 10% and <1%, respectively HFI Balances by Lending Vertical $13.7B $11.0B Specialty 27% $10.1B Finance $9.7B $8.5B 25% 16% 20% 18% Private 48% Credit 50% 46% Finance 47% 40% Sponsor 42% 34% 25% 33% 29% Finance 2Q 22 2Q 23 2Q 24 2Q 25 2Q 26 (1) Non-GAAP financial measure. See pages 19 – 21 for definitions. 12 See page 23 for additional footnotes.

G: 43 G: 92 G: 93 G: 242 G: 255 G: [ ] G: 236 G: 253 2Q 2026 Preliminary Results 2026 Financial Outlook Guidance reflects update to consolidated NCOs and average earning assets 2026 Guidance Net Interest Margin 3.60% - 3.70% (1) 6.30 fwd curve – 1 hike (Sep) (ex. OID) Adjusted Other Flat - ↑ 5% YoY (1) Revenue Retail Auto NCO 1.8% - 2.0% Consolidated NCO 1.2% - 1.3% Adjusted Noninterest ↑ 1% (1) Expense Average Earning ↑ 3% - 5% Assets (2) Tax Rate 20% - 22% (1) Non-GAAP financial measures. See pages 19 – 21 for definitions. 13 (2) Assumes statutory U.S. Federal tax rate of 21%.

G: 43 G: 92 G: 93 G: 242 G: 255 G: [ ] G: 236 G: 253 2Q 2026 Preliminary Results Supplemental

G: 43 G: 92 G: 93 G: 242 G: 255 G: [ ] G: 236 G: 253 2Q 2026 Preliminary Results Supplemental Results by Segment Results by Segment and GAAP to Core Pre-tax income Walk QUARTERLY TREND Increase/(Decrease) vs. ($ millions) 2Q 26 1Q 26 2Q 25 1Q 26 2Q 25 $ 4 10 $ 336 $ 4 72 $ 74 $ ( 62) Automotive Finance 53 28 28 25 25 Insurance $ 4 63 $ 3 64 $ 5 00 $ 99 $ (37) Dealer Financial Services 122 94 96 28 26 Corporate Finance (48) ( 58) ( 160) 10 112 Corporate and Other Pre-tax income (loss) $ 5 37 $ 400 $ 436 $ 1 37 $ 1 01 (1) 19 18 16 1 3 Core OID (2) (29) 59 (35) (88) 6 Change in fair value of equity securities (3) - (7) - 7 - Repositioning and other (1) Core Pre-tax income $ 527 $ 4 70 $ 4 18 $ 57 $ 1 09 Insurance - GAAP to Core Walk GAAP Pre-tax income (loss) $ 53 $ 28 $ 28 $ 25 $ 25 (4) Core Adjustments (29) 59 (30) (88) 1 Core Pre-tax income (loss) $ 24 $ 87 $ ( 2) $ (63) $ 26 Corporate Finance - GAAP to Core Walk GAAP Pre-tax income $ 1 22 $ 94 $ 96 $ 28 $ 26 (4) 0 0 (0) 0 0 Core Adjustments Core Pre-tax income (loss) $ 122 $ 94 $ 96 $ 28 $ 26 Corporate & Other - GAAP to Core Walk $ (48) $ (58) $ (160) $ 10 $ 112 GAAP Pre-tax income (loss) (4) 19 11 12 8 7 Core Adjustments Core Pre-tax income (loss) $ ( 29) $ ( 47) $ (148) $ 18 $ 119 (1) Non-GAAP financial measure. See pages 19 – 21 for definitions. See page 24 for additional footnotes. 15

G: 43 G: 92 G: 93 G: 242 G: 255 G: [ ] G: 236 G: 253 2Q 2026 Preliminary Results Supplemental Corporate and Other ($ millions) Increase/(Decrease) vs. • Corporate and Other includes the impacts of Ally Invest Key Financials 2Q 26 1Q 26 2Q 25 and Mortgage Net financing revenue $ 214 $ 65 $ 130 20 (11) (8) Total other revenue • Pre-tax loss of $48 million and Core pre-tax loss of $29 234 54 122 Total net revenue (1) million - 9 1 Provision for credit losses Noninterest expense 282 35 9 – Net financing revenue of $214 million, up $130 million year over year Pre-tax income (loss) $ (48) $ 10 $ 112 (1) – Other revenue of $20 million, down $8 million year over year 19 1 3 Core OID (2) - 7 - Repositioning items – Noninterest expense of $282 million, up $9 million year over year (3) - - 4 Change in fair value of equity securities (1) $ (29) $ 18 $ 119 Core pre-tax income (loss) • Total assets of $54 billion, down $3 billion year over year Cash & securities $ 30,323 $ (1,653) $ (2,436) (4) 15,192 (341) ( 1,600) Held-for-investment loans, net (5) (814) 40 (127) Intercompany loan Other 9,608 297 1,453 Total assets $ 54,309 $ (1,657) $ (2,710) Retail CD Maturity Schedule Ally Financial Ratings Details (as of 6/30/2026) LT Debt ST Debt Outlook $8B $8B $7B $6B Fitch BBB- F3 Positive $5B Moody's Baa3 P-3 Stable S&P BBB- A-3 Stable 2Q 2026 3Q 2026 4Q 2026 1Q 2027 2Q 2027 DBRS BBB R-2 (high) Stable Weighted Average Maturity Rate Note: Ratings as of 6/30/2026. Our borrowing costs & access to the capital markets could be negatively 3.9% 3.8% 3.7% 3.7% 3.7% 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

G: 43 G: 92 G: 93 G: 242 G: 255 G: [ ] G: 236 G: 253 2Q 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 $66.8 $66.6 $66.1 $65.8 $62.8 $10.0 $9.5 $8.9 $9.7 $7.5 $9.5 $10.3 $9.1 $10.7 $7.5 $20.6 $20.3 $20.4 $19.9 $19.2 88% 88% 88% 87% 87% $27.2 $26.9 $26.9 $26.9 $27.0 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 (1) Loan to Deposit Ratio Available Liquidity vs. Uninsured Deposits 96% 97% 97% 97% 99% 5.9x 5.8x 5.6x 5.4x 5.3x (1) Total loans and leases divided by total deposits. 17

G: 43 G: 92 G: 93 G: 242 G: 255 G: [ ] G: 236 G: 253 2Q 2026 Preliminary Results Supplemental Interest Rate Risk (1) Net Financing Revenue Sensitivity Analysis ($ millions) 2Q 26 1Q 26 (2) (2) Gradual Instantaneous Gradual Instantaneous -100 bp $ 3 $ 86 $ (11) $ 44 +100 bp $ (10) $ (149) $ 3 $ (114) (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 2Q 26 3Q 26 4Q 26 1Q 27 2Q 27 3Q 27 4Q 27 1Q 28 2Q 28 Effective Hedge Average Notional Outstanding $10B $8B $7B $6B $3B - - - - Average Pay Fixed Rates 3.5% 3.5% 3.4% 3.4% 3.3% - - - - Fair Value Hedging on Fixed-Rate Investment Securities 2Q 26 3Q 26 4Q 26 1Q 27 2Q 27 3Q 27 4Q 27 1Q 28 2Q 28 Effective Hedge Average Notional Outstanding $12B $12B $12B $11B $11B $10B $10B $8B $7B Average Pay-Fixed Rates 3.6% 3.6% 3.6% 3.6% 3.6% 3.6% 3.6% 3.6% 3.5% Note: Pay-Fixed rates are expressed as day and balance-weighted averages. 18

G: 43 G: 92 G: 93 G: 242 G: 255 G: [ ] G: 236 G: 253 2Q 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

G: 43 G: 92 G: 93 G: 242 G: 255 G: [ ] G: 236 G: 253 2Q 2026 Preliminary Results Supplemental Notes on Non-GAAP Financial Measures 7) Adjusted tangible book value per share (Adjusted TBVPS) is a non-GAAP financial measure that reflects the book value of equity attributable to shareholders even if Core OID balance were accelerated immediately through the financial statements. As a result, management believes Adjusted TBVPS provides the reader with an assessment of value that is more conservative than GAAP common shareholder’s equity per share. Adjusted TBVPS generally adjusts common equity for: (1) goodwill and identifiable intangibles, net of DTLs and (2) tax-effected Core OID balance to reduce tangible common equity in the event the corresponding discounted bonds are redeemed/tendered. Note: In December 2017, tax-effected Core OID balance was adjusted from a statutory U.S. Federal tax rate of 35% to 21% (“rate”) as a result of changes to U.S. tax law. The adjustment conservatively increased the tax-effected Core OID balance and consequently reduced Adjusted TBVPS as any acceleration of the non-cash charge in future periods would flow through the financial statements at a 21% rate versus a previously modeled 35% rate. See page 27 for calculation methodology and details. 8) Adjusted total net revenue is a non-GAAP financial measure that management believes is helpful for readers to understand the ongoing ability of the company to generate revenue. For purposes of this calculation, GAAP net financing revenue is adjusted by excluding Core OID to calculate net financing revenue ex. core OID. GAAP other revenue is adjusted for OID expenses, repositioning, and change in fair value of equity securities to calculate adjusted other revenue. Adjusted total net revenue is calculated by adding net financing revenue ex. core OID to adjusted other revenue. See page 29 for calculation methodology and details. 9) Core net income attributable to common shareholders is a non-GAAP financial measure that serves as the numerator in the calculations of Adjusted EPS and Core ROTCE and that, like those measures, is believed by management to help the reader better understand the operating performance of the core businesses and their ability to generate earnings. Core net income attributable to common shareholders adjusts GAAP net income attributable to common shareholders for discontinued operations net of tax, tax-effected Core OID expense, tax-effected repositioning and other primarily related to the extinguishment of high-cost legacy debt and strategic activities and significant other one-time items, preferred stock capital actions, significant discrete tax items and tax-effected changes in equity investments measured at fair value, as applicable for respective periods. See pages 25 – 26 for calculation methodology and details. 10) Core original issue discount (Core OID) amortization expense is a non-GAAP financial measure for OID and is believed by management to help the reader better understand the activity removed from: Core pre-tax income (loss), Core net income (loss) attributable to common shareholders, Adjusted EPS, Core ROTCE, Adjusted efficiency ratio, Adjusted total net revenue, and Net financing revenue (excluding Core OID). Core OID is primarily related to bond exchange OID which excludes international operations and future issuances. Core OID for all periods shown is applied to the pre-tax income of the Corporate and Other segment. See page 29 for calculation methodology and details. 11) Core outstanding original issue discount balance (Core OID balance) is a non-GAAP financial measure for outstanding OID and is believed by management to help the reader better understand the balance removed from Core ROTCE and Adjusted TBVPS. Core OID balance is primarily related to bond exchange OID which excludes international operations and future issuances. See page 29 for calculation methodology and details. 12) Core pre-tax income is a non-GAAP financial measure that adjusts pre-tax income from continuing operations by excluding (1) Core OID, and (2) change in fair value of equity securities (change in fair value of equity securities impacts the Insurance and Corporate Finance segments), and (3) Repositioning and other which are primarily related to the extinguishment of high-cost legacy debt, strategic activities and significant other one-time items, as applicable for respective periods or businesses. Management believes core pre-tax income can help the reader better understand the operating performance of the core businesses and their ability to generate earnings. See page 15 for calculation methodology and details. 20

G: 43 G: 92 G: 93 G: 242 G: 255 G: [ ] G: 236 G: 253 2Q 2026 Preliminary Results Supplemental Notes on Non-GAAP Financial Measures 13) Core return on tangible common equity (Core ROTCE) is a non-GAAP financial measure that management believes is helpful for readers to better understand the ongoing ability of the company to generate returns on its equity base that supports core operations. For purposes of this calculation, tangible common equity is adjusted for tax- effected Core OID balance. Ally’s Core net income attributable to common shareholders for purposes of calculating Core ROTCE is based on the actual effective tax rate for the period adjusted for significant discrete tax items including tax reserve releases, which aligns with the methodology used in calculating adjusted earnings per share. See page 26 for calculation details. (1) In the numerator of Core ROTCE, GAAP net income attributable to common shareholders is adjusted for discontinued operations net of tax, tax-effected Core OID, tax-effected repositioning and other which are primarily related to the extinguishment of high-cost legacy debt, strategic activities and significant other one- time items, change in fair value of equity securities, significant discrete tax items, and preferred stock capital actions, as applicable for respective periods. (2) In the denominator, GAAP shareholder’s equity is adjusted for goodwill and identifiable intangibles net of DTL, and tax-effected Core OID balance. 14) Investment income and other (adjusted) is a non-GAAP financial measure that adjusts GAAP investment income and other for repositioning, and the change in fair value of equity securities. Management believes investment income and other (adjusted) is a helpful financial metric because it enables the reader to better understand the business' ability to generate investment income. 15) Net financing revenue excluding core OID is calculated using a non-GAAP measure that adjusts net financing revenue by excluding Core OID. The Core OID balance is primarily related to bond exchange OID which excludes international operations and future issuances. Management believes net financing revenue ex. Core OID is a helpful financial metric because it enables the reader to better understand the business' ability to generate revenue. See page 29 for calculation methodology and details. 16) Net interest margin excluding core OID is calculated using a non-GAAP measure that adjusts net interest margin by excluding Core OID. The Core OID balance is primarily related to bond exchange OID which excludes international operations and future issuances. Management believes net interest margin ex. Core OID is a helpful financial metric because it enables the reader to better understand the business' profitability and margins. See page 7 for calculation methodology and details. 17) Adjusted Tangible Common Equity is a non-GAAP financial measure that is defined as common stockholders’ equity less goodwill and identifiable intangible assets, net of deferred tax liabilities. Ally considers various measures when evaluating capital adequacy, including tangible common equity. Ally believes that tangible common equity is important because we believe readers may assess our capital adequacy using this measure. Additionally, presentation of this measure allows readers to compare certain aspects of our capital adequacy on the same basis to other companies in the industry. For purposes of calculating Core return on tangible common equity (Core ROTCE), tangible common equity is further adjusted for tax-effected Core OID balance. See page 26 for calculation methodology and details. 21

G: 43 G: 92 G: 93 G: 242 G: 255 G: [ ] G: 236 G: 253 2Q 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

G: 43 G: 92 G: 93 G: 242 G: 255 G: [ ] G: 236 G: 253 2Q 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) Cumulative liquid beta measured starting from start of Fed easing cycle in September ’24 (Fed Funds of 5.50%) (4) 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 3.62% for 2Q’26, 3.61% for 1Q’26, and 4.35% for 2Q’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 $193 million in 2Q 2026, $203 million in 1Q 2026, and $179 million in 2Q 2025. (2) Estimated Retail Auto Originated Yield is a forward-looking financial measure. See page 22 for details. Page – 11 | Insurance (2) Acquisition and underwriting expenses includes corporate allocations of $24 million in 2Q 2026, $24 million in 1Q 2026, and $22 million in 2Q 2025. (3) Change in fair value of equity securities impacts the Insurance segment. The change reflects fair value adjustments to equity securities that are reported at fair value. Management believes the change in fair value of equity securities should be removed from select financial measures because it enables the reader to better understand the business’ ongoing ability to generate revenue and income. Page – 12 | Corporate Finance (2) Noninterest expense includes corporate allocations of $12 million in 2Q 2026, $17 million in 1Q 2026, and $11 million in 2Q 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

G: 43 G: 92 G: 93 G: 242 G: 255 G: [ ] G: 236 G: 253 2Q 2026 Preliminary Results Supplemental Additional Notes Page – 15 | Results by Segment (2) Change in fair value of equity securities impacts the Insurance, Corporate Finance and Corporate and Other segments. The change reflects fair value adjustments to equity securities that are reported at fair value. Management believes the change in fair value of equity securities should be removed from select financial measures because it enables the reader to better understand the business’ ongoing ability to generate revenue and income. (3) Repositioning and other are primarily related to the extinguishment of high-cost legacy debt, strategic activities, restructuring, and significant other one-time items, as applicable for respective periods or businesses. (4) Includes adjustments for non-GAAP measures Core OID expense, change in fair value of equity securities, and repositioning. Page – 16 | Corporate and Other (2) Repositioning and other are primarily related to the extinguishment of high-cost legacy debt, strategic activities, restructuring, and significant other one-time items, as applicable for respective periods or businesses. (3) Change in fair value of equity securities impacts the Corporate and Other segments. The change reflects fair value adjustments to equity securities that are reported at fair value. Management believes the change in fair value of equity securities should be removed from select financial measures because it enables the reader to better understand the business’ ongoing ability to generate revenue and income. (4) HFI consumer mortgage portfolio in all periods and Ally credit card portfolio in 1Q 2025. (5) Intercompany loan related to activity between Insurance and Corporate. 24

G: 43 G: 92 G: 93 G: 242 G: 255 G: [ ] G: 236 G: 253 2Q 2026 Preliminary Results Supplemental GAAP to Core: Adjusted EPS Adjusted Earnings per Share ( Adjusted EPS ) QUARTERLY TREND 2Q 26 1Q 26 4Q 25 3Q 25 2Q 25 Numerator ($ millions) GAAP net income (loss) attributable to common shareholders $ 367 $ 291 $ 300 $ 371 $ 324 Discontinued operations, net of tax - - - - - Core OID 19 18 17 17 16 Repositioning Items - (7) 59 - - Change in fair value of equity securities ( 29) 59 (2) (27) (35) Tax-effected Core OID, Repo & changes in fair value of equity securities 2 ( 15) (16) 2 4 (assumes 21% tax rate) Significant discrete tax items - - ( 18) - - Capital actions (preferred redemption) 15 - - - - Core net income attributable to common shareholders [a] $ 375 $ 346 $ 3 41 $ 363 $ 309 Denominator [b] Weighted-average common shares outstanding - (basic or diluted as applicable, thousands) 311,035 313,219 314,264 313,823 312,434 Metric GAAP EPS $ 1.18 $ 0.93 $ 0.95 $ 1.18 $ 1.04 Discontinued operations, net of tax - - - - - Core OID 0.06 0.06 0.06 0.05 0.05 Change in fair value of equity securities (0.09) 0.19 (0.00) ( 0.09) ( 0.11) Repositioning Items - (0.02) 0.19 - - Tax on Core OID, Repo & change in fair value of equity securities 0.01 (0.05) (0.05) 0.01 0.01 (assumes 21% tax rate) Significant discrete tax items - - (0.06) - - Capital Actions (preferred redemption) 0.05 - - - - Adjusted EPS [a] / [b] $ 1.21 $ 1 .11 $ 1.09 $ 1.15 $ 0.99 Numbers may not foot due to rounding 25

G: 43 G: 92 G: 93 G: 242 G: 255 G: [ ] G: 236 G: 253 2Q 2026 Preliminary Results Supplemental GAAP to Core: Core ROTCE Core Return on Tangible Common Equity ( Core ROTCE ) QUARTERLY TREND 2Q 26 1Q 26 4Q 25 3Q 25 2Q 25 Numerator ($ millions) GAAP net income (loss) attributable to common shareholders $ 3 67 $ 2 91 $ 300 $ 371 $ 324 Discontinued operations, net of tax - - - - - Core OID 19 18 17 17 16 Repositioning Items - (7) 59 - - Change in fair value of equity securities (29) 59 (2) (27) (35) Tax on Core OID, Repo & change in fair value of equity securities 2 (15) ( 16) 2 4 (assumes 21% tax rate) Significant discrete tax items & other - - (18) - - Capital actions (preferred redemption) 15 - - - - Core net income attributable to common shareholders [a] $ 375 $ 346 $ 341 $ 363 $ 309 Denominator (Average, $ billions) GAAP shareholders' equity $ 1 5.6 $ 1 5.6 $ 15.3 $ 1 4.8 $ 1 4.4 less: Preferred equity (2.2) (2.3) (2.3) (2.3) (2.3) GAAP common shareholders' equity $ 13.4 $ 13.2 $ 13.0 $ 12.5 $ 12.1 Goodwill & identifiable intangibles, net of deferred tax liabilities ( DTLs ) (0.2) (0.2) (0.2) (0.2) (0.2) Tangible common equity $ 13.2 $ 13.0 $ 12.8 $ 12.3 $ 11.8 Tax-effected Core OID balance (0.5) (0.5) (0.5) (0.6) (0.6) (assumes 21% tax rate) per share Adjusted Tangible Common Equity [b] $ 12.7 $ 12.5 $ 12.3 $ 11.8 $ 11.3 Core Return on Tangible Common Equity [a] / [b] 11.8% 11.1% 11.1% 12.3% 11.0% Numbers may not foot due to rounding 26

G: 43 G: 92 G: 93 G: 242 G: 255 G: [ ] G: 236 G: 253 2Q 2026 Preliminary Results Supplemental GAAP to Core: Adjusted TBVPS Adjusted Tangible Book Value per Share ( Adjusted TBVPS ) QUARTERLY TREND 2Q 26 1Q 26 4Q 25 3Q 25 2Q 25 Numerator ($ billions) GAAP shareholders' equity $ 15.5 $ 15.6 $ 15.5 $ 15.1 $ 14.5 less: Preferred equity (2.0) (2.3) (2.3) (2.3) (2.3) GAAP common shareholders' equity $ 13.5 $ 1 3.3 $ 1 3.2 $ 12.8 $ 12.2 Goodwill and identifiable intangibles, net of DTLs (0.2) (0.2) (0.2) (0.2) (0.2) Tangible common equity 13.3 13.1 13.0 12.6 12.0 Tax-effected Core OID balance (0.5) (0.5) (0.5) (0.5) ( 0.6) (assumes 21% tax rate) [a] Adjusted tangible book value $ 12.8 $ 12.6 $ 12.5 $ 1 2.1 $ 11.5 Denominator [b] Issued shares outstanding (period-end, thousands) 3 04,543 307,408 308,493 307,828 307,787 Metric GAAP shareholders' equity per share $ 50.9 $ 5 0.8 $ 50.2 $ 49.1 $ 47.3 less: Preferred equity per share ( 6.5) (7.6) (7.5) (7.5) (7.6) GAAP common shareholders' equity per share $ 4 4.4 $ 43.2 $ 4 2.7 $ 41.6 $ 39.7 Goodwill and identifiable intangibles, net of DTLs per share ( 0.6) (0.6) ( 0.6) (0.6) ( 0.6) Tangible common equity per share 43.8 42.6 42.1 41.0 39.1 Tax-effected Core OID balance (1.6) (1.7) (1.7) (1.8) (1.8) (assumes 21% tax rate) per share Adjusted tangible book value per share [a] / [b] $ 42.1 $ 40.9 $ 40.4 $ 3 9.2 $ 37.3 Numbers may not foot due to rounding 27

G: 43 G: 92 G: 93 G: 242 G: 255 G: [ ] G: 236 G: 253 2Q 2026 Preliminary Results Supplemental GAAP to Core: Adjusted Efficiency Ratio Adjusted Efficiency Ratio QUARTERLY TREND 2Q 26 1Q 26 4Q 25 3Q 25 2Q 25 Numerator ($ millions) GAAP noninterest expense $ 1,319 $ 1 ,235 $ 1,250 $ 1 ,240 $ 1,262 Insurance expense ( 434) (350) ( 335) ( 374) ( 424) Repositioning items - - (31) - - Adjusted noninterest expense for efficiency ratio [a] $ 885 $ 885 $ 884 $ 8 66 $ 838 Denominator ($ millions) Total net revenue $ 2 ,286 $ 2 ,102 $ 2,123 $ 2 ,168 $ 2 ,082 Core OID 19 18 17 17 16 Repositioning items - 0 27 - - Insurance revenue ( 487) ( 378) ( 426) ( 453) ( 452) Adjusted net revenue for the efficiency ratio [b] $ 1,818 $ 1,742 $ 1,741 $ 1,732 $ 1,646 Adjusted Efficiency Ratio [a] / [b] 48.7% 50.8% 50.8% 50.0% 50.9% Numbers may not foot due to rounding 28

G: 43 G: 92 G: 93 G: 242 G: 255 G: [ ] G: 236 G: 253 2Q 2026 Preliminary Results Supplemental Non-GAAP Reconciliations QUARTERLY TREND Net Financing Revenue (ex. Core OID) 2Q 26 1Q 26 4Q 25 3Q 25 2Q 25 GAAP Net Financing Revenue $ 1,684 $ 1,589 $ 1 ,598 $ 1,584 $ 1,516 Core OID 19 18 17 17 16 Net Financing Revenue (ex. Core OID) [a] $ 1,703 $ 1,607 $ 1,615 $ 1,601 $ 1,532 Adjusted Other Revenue GAAP Other Revenue $ 602 $ 513 $ 525 $ 584 $ 5 66 Accelerated OID & repositioning items - 0 27 - - Change in fair value of equity securities (29) 59 (2) ( 27) (35) Adjusted Other Revenue [b] $ 573 $ 572 $ 550 $ 557 $ 531 Adjusted Total Net Revenue Adjusted Total Net Revenue [a]+[b] $ 2 ,276 $ 2,179 $ 2,165 $ 2,157 $ 2 ,064 Adjusted Provision for Credit Losses GAAP Provision for Credit Losses $ 430 $ 4 67 $ 487 $ 415 $ 384 Repositioning - 7 (1) - - Adjusted Provision for Credit Losses $ 430 $ 474 $ 486 $ 415 $ 384 Adjusted Noninterest Expense GAAP Noninterest Expense $ 1 ,319 $ 1,235 $ 1,250 $ 1,240 $ 1,262 Repositioning - - (31) - - Adjusted Noninterest Expense $ 1 ,319 $ 1,235 $ 1,219 $ 1 ,240 $ 1,262 Original issue discount amortization expense GAAP original issue discount amortization expense $ 20 $ 19 $ 19 $ 19 $ 18 Other OID (1) (1) (2) (2) (2) Core original issue discount (Core OID) amortization expense $ 19 $ 18 $ 17 $ 17 $ 16 Outstanding original issue discount balance GAAP outstanding original issue discount balance $ (649) $ (670) $ ( 689) $ (708) $ (727) Other outstanding OID balance 16 17 18 20 22 Core outstanding original issue discount balance (Core OID balance) $ (634) $ ( 653) $ (671) $ ( 688) $ (705) 29

Exhibit 99.3 SECOND 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 2Q 26 1Q 26 4Q 25 3Q 25 2Q 25 1Q 26 2Q 25 Net financing revenue $ 1,684 $ 1,589 $ 1,598 $ 1,584 $ 1,516 $ 95 $ 168 (1) Core OID 19 18 17 17 16 1 3 (1) Net financing revenue (excluding Core OID) 1,703 1,607 1,615 1,601 1,532 96 171 Other revenue 602 513 525 584 566 89 36 (2) Repositioning — 0 27 — — (0) — (2) Change in fair value of equity securities (29) 59 (2) (27) (35) (88) 6 (1) Adjusted other revenue 573 572 550 557 531 1 42 Provision for credit losses 430 467 487 415 384 (37) 46 (2) Repositioning — 7 (1) — — (7) — (1) Adjusted provision for credit losses 430 474 486 415 384 (44) 46 (3) Total noninterest expense 1,319 1,235 1,250 1,240 1,262 84 57 (2) Repositioning — — (31) — — — — (1) Noninterest expense (ex. repositioning) 1,319 1,235 1,219 1,240 1,262 84 57 Pre-tax income (loss) from continuing operations 537 400 386 513 436 137 101 Income tax expense (benefit) 127 81 59 115 84 46 43 (Loss) from discontinued operations, net of tax — — — — — — — Net income (Loss) 410 319 327 398 352 91 58 Preferred Dividends 43 28 27 27 28 15 15 Net income (loss) attributable to common shareholders $ 367 $ 291 $ 300 $ 371 $ 324 $ 76 $ 43 Selected Balance Sheet Data (Period-End) Total assets $ 199,772 $ 197,269 $ 196,002 $ 191,711 $ 189,473 $ 2,503 $ 10,299 Consumer loans 104,144 101,973 101,140 101,247 100,953 2,171 3,191 Commercial loans 39,529 37,917 36,314 33,320 32,276 1,612 7,253 Allowance for loan losses (3,576) (3,540) (3,490) (3,460) (3,416) (36) (160) Deposits 154,046 153,152 151,649 148,410 147,866 894 6,180 Total equity 15,491 15,609 15,498 15,117 14,547 (118) 944 Common Share Count Weighted average basic 308,362 310,992 310,792 310,342 309,895 (2,630) (1,534) Weighted average diluted 311,035 313,219 314,264 313,823 312,434 (2,184) (1,399) Issued shares outstanding (period-end) 304,543 307,408 308,493 307,828 307,787 (2,865) (3,244) Per Common Share Data Earnings per share (basic) $ 1.19 $ 0.94 $ 0.97 $ 1.19 $ 1.05 $ 0.26 $ 0.15 Earnings per share (diluted) 1.18 0.93 0.95 1.18 1.04 0.25 0.15 (1) Adjusted earnings per share 1.21 1.11 1.09 1.15 0.99 0.10 0.21 Book value per share 44.38 43.22 42.70 41.56 39.71 1.16 4.67 Tangible book value per share 43.76 42.61 42.10 40.95 39.10 1.16 4.66 (1) Adjusted tangible book value per share 42.12 40.93 40.38 39.19 37.30 1.19 4.83 Select Financial Ratios Net interest margin 3 .59% 3 .48 % 3 .48% 3 .51% 3 .41% (1) Net interest margin (ex. Core OID) 3 .63% 3 .52% 3 .51 % 3 .55% 3.45 % Cost of funds 3.48% 3.60% 3.69% 3 .80% 3 .88% (1) Cost of funds (ex. Core OID) 3 .43 % 3 .55 % 3 .63 % 3.74 % 3.82 % Efficiency Ratio 5 7.7% 58.8% 5 8.9% 5 7.2% 60.6 % (1) Adjusted efficiency ratio 4 8.7 % 50.8% 50.8% 5 0.0% 50.9% Return on average assets 0 .7 % 0.6% 0.6 % 0.8% 0.7 % Return on average total equity 9.5 % 7 .5% 7.8 % 1 0.0 % 9.0% Return on average tangible common equity 11.1 % 8.9 % 9 .4 % 12.0% 11.0% (1) Core ROTCE 11.8% 1 1.1% 1 1.1% 1 2.3 % 1 1.0% Capital Ratios Common Equity Tier 1 (CET1) capital ratio 10.1 % 1 0.1 % 1 0.2 % 1 0.1 % 9.9 % Tier 1 capital ratio 1 1.4% 11.6 % 11.7 % 11.6 % 11.4% Total capital ratio 13.2 % 13.4 % 13.6 % 1 3.4 % 1 3.2 % Tier 1 leverage ratio 8.9% 9.2 % 9.2% 9.2 % 9.1 % (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. 2Q 26 1Q 26 4Q 25 3Q 25 2Q 25 1Q 26 2Q 25 Financing revenue and other interest income Interest and fees on finance receivables and loans $ 2,741 $ 2,658 $ 2,690 $ 2,674 $ 2,624 $ 83 $ 117 Interest on loans held-for-sale 12 9 7 6 6 3 6 Total interest and dividends on investment securities 231 223 234 241 239 8 (8) Interest-bearing cash 80 81 88 92 95 (1) (15) Other earning assets 11 11 10 9 9 — 2 Operating leases 390 392 387 365 352 (2) 38 Total financing revenue and other interest income 3,465 3,374 3,416 3,387 3,325 91 140 Interest expense Interest on deposits 1,200 1,233 1,268 1,302 1,329 (33) (129) Interest on short-term borrowings 42 19 18 11 5 23 37 Interest on long-term debt 266 265 274 265 258 1 8 Interest on other 4 — 2 — 1 4 3 Total interest expense 1,512 1,517 1,562 1,578 1,593 (5) (81) Depreciation expense on operating lease assets 269 268 256 225 216 1 53 Net financing revenue $ 1,684 $ 1,589 $ 1,598 $ 1,584 $ 1,516 $ 95 $ 168 Other revenue Insurance premiums and service revenue earned 368 360 366 361 359 8 9 Gain / (loss) on mortgage and automotive loans, net (6) (3) (29) (3) (4) (3) (2) Loss on extinguishment of debt (2) — — — — (2) (2) Other gain / (loss) on investments, net 76 (21) 21 56 61 97 15 Other income, net of losses 166 177 167 170 150 (11) 16 Total other revenue 602 513 525 584 566 89 36 Total net revenue 2,286 2,102 2,123 2,168 2,082 184 204 Provision for loan losses 430 467 487 415 384 (37) 46 Noninterest expense Compensation and benefits expense 458 491 475 447 430 (33) 28 Insurance losses and loss adjustment expenses 208 121 111 141 203 87 5 Goodwill impairment — — — — — — — Other operating expenses 653 623 664 652 629 30 24 Total noninterest expense 1,319 1,235 1,250 1,240 1,262 84 57 Pre-tax income (loss) from continuing operations $ 537 $ 400 $ 386 $ 513 $ 436 $ 137 $ 101 Income tax (benefit) / expense from continuing operations 127 81 59 115 84 46 43 Net income (loss) from continuing operations 410 319 327 398 352 91 58 Loss from discontinued operations, net of tax — — — — — — — Net income (loss) $ 410 $ 319 $ 327 $ 398 $ 352 $ 91 $ 58 Preferred Dividends 43 28 27 27 28 15 15 Net income (loss) available to common shareholders $ 367 $ 291 $ 300 $ 371 $ 324 $ 76 $ 43 Core pre-tax Income walk Net financing revenue $ 1,684 $ 1,589 $ 1,598 $ 1,584 $ 1,516 $ 95 $ 168 Other revenue 602 513 525 584 566 89 36 Provision for credit losses 430 467 487 415 384 (37) 46 Total noninterest expense 1,319 1,235 1,250 1,240 1,262 84 57 Pre-tax income (loss) from continuing operations $ 537 $ 400 $ 386 $ 513 $ 436 $ 137 $ 101 (1) Core OID 19 18 17 17 16 1 3 (2) Change in the fair value of equity securities (29) 59 (2) (27) (35) (88) 6 (2) Repositioning — (7) 59 — — 7 — (1) Core pre-tax income $ 527 $ 470 $ 461 $ 502 $ 418 $ 57 $ 109 (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 2Q 26 1Q 26 4Q 25 3Q 25 2Q 25 1Q 26 2Q 25 Cash and cash equivalents Noninterest-bearing $ 339 $ 380 $ 405 $ 429 $ 530 $ (41) $ (191) Interest-bearing 7,501 9,138 9,625 9,817 10,062 (1,637) (2,561) Total cash and cash equivalents 7,840 9,518 10,030 10,246 10,592 (1,678) (2,752) (1) Investment securities 28,374 28,238 28,220 27,982 27,896 136 478 Loans held-for-sale, net 406 337 549 179 185 69 221 Finance receivables and loans, net 143,673 139,890 137,454 134,567 133,229 3,783 10,444 Allowance for loan losses (3,576) (3,540) (3,490) (3,460) (3,416) (36) (160) Total finance receivables and loans, net 140,097 136,350 133,964 131,107 129,813 3,747 10,284 Investment in operating leases, net 8,585 8,699 8,772 8,599 7,992 (114) 593 Premiums receivable and other insurance assets 2,860 2,817 2,844 2,903 2,893 43 (33) Other assets 11,610 11,310 11,623 10,695 10,102 300 1,508 Total assets $ 199,772 $ 197,269 $ 196,002 $ 191,711 $ 189,473 $ 2,503 $ 10,299 Liabilities Deposit liabilities Noninterest-bearing $ 153 $ 137 $ 125 $ 174 $ 155 $ 16 $ (2) Interest-bearing 153,893 153,015 151,524 148,236 147,711 878 6,182 Total deposit liabilities 154,046 153,152 151,649 148,410 147,866 894 6,180 Short-term borrowings 5,916 4,126 4,695 3,879 3,856 1,790 2,060 Long-term debt 17,053 17,349 17,070 16,749 15,876 (296) 1,177 Interest payable 895 852 729 1,097 912 43 (17) Unearned insurance premiums and service revenue 3,693 3,665 3,656 3,648 3,627 28 66 Accrued expense and other liabilities 2,678 2,516 2,705 2,811 2,789 162 (111) Total liabilities $ 184,281 $ 181,660 $ 180,504 $ 176,594 $ 174,926 $ 2,621 $ 9,355 Equity (2) Common stock and paid-in capital $ 15,125 $ 15,231 $ 15,327 $ 15,310 $ 15,291 $ (106) $ (166) Preferred stock 1,976 2,324 2,324 2,324 2,324 (348) (348) Retained earnings (accumulated deficit) 1,101 827 633 427 151 274 950 Accumulated other comprehensive loss (2,711) (2,773) (2,786) (2,944) (3,219) 62 508 Total equity 15,491 15,609 15,498 15,117 14,547 (118) 944 Total liabilities and equity $ 199,772 $ 197,269 $ 196,002 $ 191,711 $ 189,473 $ 2,503 $ 10,299 (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 2Q 26 1Q 26 4Q 25 3Q 25 2Q 25 1Q 26 2Q 25 Interest-bearing cash and cash equivalents $ 8,931 $ 9,100 $ 8,983 $ 8,465 $ 8,888 $ (169) $ 43 Investment securities and other earning assets 29,136 28,954 28,846 28,450 28,359 182 777 Loans held-for-sale, net 238 415 181 141 135 (177) 103 (2) Total finance receivables and loans, net 141,429 137,797 135,674 133,419 132,762 3,632 8,667 Investment in operating leases, net 8,689 8,805 8,753 8,255 7,919 (116) 770 Total interest earning assets 188,423 185,071 182,437 178,730 178,063 3,352 10,360 Noninterest-bearing cash and cash equivalents 265 286 266 251 874 (21) (609) Other assets 11,698 11,510 11,654 11,699 11,367 188 331 Allowance for loan losses (3,521) (3,501) (3,460) (3,437) (3,397) (20) (124) Total assets $ 196,865 $ 193,366 $ 190,897 $ 187,243 $ 186,907 $ 3,499 $ 9,958 Liabilities Interest-bearing deposit liabilities Retail deposit liabilities $ 144,431 $ 144,106 $ 141,750 $ 142,364 $ 143,492 $ 325 $ 939 (3) Other interest-bearing deposit liabilities 8,015 7,616 7,123 5,127 4,806 399 3,209 Total interest-bearing deposit liabilities 152,446 151,722 148,873 147,491 148,298 724 4,148 Short-term borrowings 4,377 1,941 1,794 897 475 2,436 3,902 (4) Long-term debt 17,090 17,049 17,249 16,375 16,129 41 961 (4) Total interest-bearing liabilities 173,913 170,712 167,916 164,763 164,902 3,201 9,011 Noninterest-bearing deposit liabilities 145 145 155 169 146 — (1) Other liabilities 6,948 6,727 7,320 7,362 7,463 221 (515) Total liabilities $ 181,006 $ 177,584 $ 175,391 $ 172,294 $ 172,511 $ 3,422 $ 8,495 Equity Total equity $ 15,859 $ 15,782 $ 15,506 $ 14,949 $ 14,396 $ 77 $ 1,463 Total liabilities and equity $ 196,865 $ 193,366 $ 190,897 $ 187,243 $ 186,907 $ 3,499 $ 9,958 (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 $643 million in 2Q26, $661 million in 1Q26, $679 million in 4Q25, $696 million in 3Q25, and $713 million in 2Q25. Note: Numbers may not foot due to rounding. 7

ALLY FINANCIAL INC. SEGMENT HIGHLIGHTS QUARTERLY TRENDS CHANGE VS. ($ in millions) Pre-tax Income / (Loss) 2Q 26 1Q 26 4Q 25 3Q 25 2Q 25 1Q 26 2Q 25 Automotive Finance $ 410 $ 336 $ 372 $ 421 $ 472 $ 74 $ (62) Insurance 53 28 91 79 28 25 25 Dealer Financial Services 463 364 463 500 500 99 (37) Corporate Finance 122 94 98 95 96 28 26 (1) Corporate and Other (48) (58) (175) (82) (160) 10 112 Pre-tax income (loss) from continuing operations $ 537 $ 400 $ 386 $ 513 $ 436 $ 137 $ 101 (2) (3) Core OID 19 18 17 17 16 1 3 (4) Change in the fair value of equity securities (29) 59 (2) (27) (35) (88) 6 (4) Repositioning and other — (7) 59 — — 7 — (3) Core pre-tax income $ 527 $ 470 $ 461 $ 502 $ 418 $ 57 $ 109 (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 2Q 26 1Q 26 4Q 25 3Q 25 2Q 25 1Q 26 2Q 25 Net financing revenue Consumer $ 2,013 $ 1,960 $ 1,980 $ 1,961 $ 1,918 $ 53 $ 95 Commercial 354 332 341 338 329 22 25 Loans held-for-sale 6 3 3 2 4 3 2 Operating leases 390 392 387 365 352 (2) 38 Total financing revenue and other interest income 2,763 2,687 2,711 2,666 2,603 76 160 Interest expense 1,178 1,128 1,145 1,128 1,093 50 85 Depreciation expense on operating lease assets: Depreciation expense on operating lease assets (ex. remarketing) 267 258 246 227 216 10 51 Remarketing (gains) loss, net of repo valuation 2 10 11 (1) — (8) 2 Total depreciation expense on operating lease assets 269 268 256 225 216 1 53 Net financing revenue 1,316 1,291 1,310 1,313 1,294 25 22 Other revenue Total other revenue 104 105 99 96 97 (1) 7 Total net revenue 1,420 1,396 1,409 1,409 1,391 24 29 Provision for credit losses 442 468 478 410 387 (26) 55 Noninterest expense Compensation and benefits 177 191 172 172 166 (14) 11 Other operating expenses 391 401 387 406 366 (10) 25 Total noninterest expense 568 592 559 578 532 (24) 36 Pre-tax income $ 410 $ 336 $ 372 $ 421 $ 472 $ 74 $ (62) Memo: Net lease revenue Operating lease revenue $ 390 $ 392 $ 387 $ 365 $ 352 $ (2) $ 38 Depreciation expense on operating lease assets (ex. remarketing) 267 258 246 227 216 10 51 Remarketing (gains) loss, net of repo valuation 2 10 11 (1) — (8) 2 Total depreciation expense on operating lease assets 269 268 256 225 216 1 53 Net lease revenue $ 121 $ 124 $ 131 $ 140 $ 136 $ (3) $ (15) Balance Sheet (Period-End) Loans held-for-sale, net $ 33 $ 27 $ 12 $ 15 $ 15 $ 6 $ 18 Consumer loans 89,217 86,685 85,561 84,994 84,371 2,532 4,846 Commercial loans 25,562 23,938 23,143 21,784 21,066 1,624 4,496 Allowance for loan losses (3,398) (3,300) (3,256) (3,233) (3,221) (98) (177) Total finance receivables and loans, net 111,381 107,323 105,448 103,545 102,216 4,058 9,165 Investment in operating leases, net 8,585 8,699 8,772 8,599 7,992 (114) 593 Other assets 1,540 1,563 1,521 1,567 1,486 (23) 54 Total assets $ 121,539 $ 117,612 $ 115,753 $ 113,726 $ 111,709 $ 3,927 $ 9,830 Note: Numbers may not foot due to rounding. 9

ALLY FINANCIAL INC. AUTOMOTIVE FINANCE - KEY STATISTICS QUARTERLY TRENDS CHANGE VS. 2Q 26 1Q 26 4Q 25 3Q 25 2Q 25 1Q 26 2Q 25 (1) U.S. Consumer Originations ($ in billions) Retail standard - new vehicle GM $ 1.4 $ 1.2 $ 1.3 $ 1.2 $ 1.1 $ 0.2 $ 0.3 Retail standard - new vehicle Stellantis 0.7 0.6 0.6 0.6 0.6 0.1 0.1 Retail standard - new vehicle Other 2.1 1.4 1.3 1.3 1.4 0.8 0.7 Used vehicle 8.3 7.5 6.7 7.0 6.7 0.7 1.6 Lease 0.7 0.7 0.9 1.5 1.1 0.0 (0.4) Total originations $ 13.3 $ 11.5 $ 10.8 $ 11.7 $ 11.0 $ 1.8 $ 2.3 U.S. Consumer Originations - FICO Score Super prime (760-999) $ 3.9 $ 3.0 $ 2.9 $ 3.3 $ 3.2 $ 1.0 $ 0.8 High prime (720-759) 1.9 1.5 1.5 1.7 1.6 0.4 0.3 Prime (660-719) 3.2 2.9 2.7 3.1 2.9 0.3 0.3 Prime/Near (620-659) 2.0 2.0 1.8 1.9 1.8 0.1 0.3 Non-Prime (540-619) 1.2 1.1 1.0 0.9 0.8 0.1 0.4 Sub-Prime (0-539) 0.2 0.2 0.2 0.2 0.1 (0.0) 0.1 No FICO (Primarily CSG) 0.7 0.8 0.8 0.7 0.6 (0.0) 0.1 Total originations $ 13.3 $ 11.5 $ 10.8 $ 11.7 $ 11.0 $ 1.8 $ 2.3 U.S. Consumer Retail Originations - Average FICO New vehicle 735 725 726 725 726 11 9 Used vehicle 702 696 697 702 703 7 (1) Total retail originations 713 703 706 708 710 9 3 U.S. Market New light vehicle sales (SAAR - units in millions) 16.2 15.4 15.7 16.6 16.2 0.8 0.0 New light vehicle sales (quarterly - units in millions) 4.2 3.7 4.0 4.1 4.2 0.5 0.0 Dealer Engagement (2) Total Active DFS Dealers 21,629 21,403 21,370 21,548 21,687 226 (58) Total Application Volume (000s) 4,550 4,414 3,811 3,992 3,877 136 673 Ally U.S. Commercial Outstandings EOP ($ in billions) Floorplan outstandings $ 17.6 $ 16.1 $ 15.9 $ 15.4 $ 14.7 $ 1.5 $ 2.9 Dealer loans and other 8.0 7.9 7.2 6.4 6.4 0.1 1.6 Total Commercial outstandings $ 25.6 $ 23.9 $ 23.1 $ 21.8 $ 21.1 $ 1.6 $ 4.5 U.S. Off-Lease Remarketing Off-lease vehicles terminated - on-balance sheet (# in units) 19,510 15,162 16,525 21,608 26,302 4,348 (6,792) Average gain (loss) per vehicle $ (82) $ (663) $ (635) $ 53 $ 14 $ 581 $ (96) Total gain (loss) ($ in millions) $ (2) $ (10) $ (11) $ 1 $ — $ 8 $ (2) (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 June 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) 2Q 26 1Q 26 4Q 25 3Q 25 2Q 25 1Q 26 2Q 25 Net financing revenue (1) Total interest and fees on finance receivables and loans $ 5 $ 6 $ 5 $ 5 $ 4 $ (1) $ 1 Interest and dividends on investment securities 41 38 40 39 36 3 5 Interest bearing cash 5 5 5 5 5 — — Total financing revenue and other interest revenue 51 49 50 49 45 2 6 Interest expense 13 13 14 16 15 — (2) Net financing revenue 38 36 36 33 30 2 8 Other revenue Insurance premiums and service revenue earned 368 360 366 361 359 8 9 Other gain / (loss) on investments, net 76 (21) 21 56 59 97 17 Other income, net of losses 5 3 3 3 4 2 1 Total other revenue 449 342 390 420 422 107 27 Total net revenue 487 378 426 453 452 109 35 Noninterest expense Compensation and benefits expense 30 32 28 29 26 (2) 4 Insurance losses and loss adjustment expenses 208 121 111 141 203 87 5 Other operating expenses 196 197 196 204 195 (1) 1 Total noninterest expense 434 350 335 374 424 84 10 Pre-tax income (loss) $ 53 $ 28 $ 91 $ 79 $ 28 $ 25 $ 25 Memo: Income Statement (Managerial View) Insurance premiums and other income Insurance premiums and service revenue earned $ 368 $ 360 $ 366 $ 361 $ 359 $ 8 $ 9 (2) Investment income and other (adjusted) 85 74 55 62 59 11 26 Other income 5 3 3 3 4 2 1 Total insurance premiums and other income 458 437 424 426 422 21 36 Expense Insurance losses and loss adjustment expenses 208 121 111 141 203 87 5 Acquisition and underwriting expenses Compensation and benefit expense 30 32 28 29 26 (2) 4 Insurance commission expense 151 152 155 158 155 (2) (4) Other expense 45 45 41 46 40 1 5 Total acquisition and underwriting expense 226 229 224 233 221 (3) 5 Total expense 434 350 335 374 424 84 10 (2) Core pre-tax (loss) / income 24 87 89 52 (2) (63) 26 (3) Change in the fair value of equity securities 29 (59) 2 27 30 88 (1) Income (loss) before income tax expense $ 53 $ 28 $ 91 $ 79 $ 28 $ 25 $ 25 Balance Sheet (Period-End) Cash and investment securities $ 5,889 $ 5,778 $ 5,841 $ 5,845 $ 5,728 $ 111 $ 161 (1) Intercompany loans 814 854 807 696 687 (40) 127 Premiums receivable and other insurance assets 2,880 2,836 2,863 2,921 2,910 44 (30) Other assets 448 420 420 386 380 28 68 Total assets $ 10,031 $ 9,888 $ 9,931 $ 9,848 $ 9,705 $ 143 $ 326 Key Statistics (4) Total written premiums and revenue $ 382 $ 389 $ 384 $ 385 $ 349 $ (7) $ 33 (5) Loss ratio 56.0 % 3 3.2 % 3 0.0 % 3 8.7 % 56.0 % (6) Underwriting expense ratio 6 0.7 % 63.0 % 60.7 % 6 3.9 % 61.1 % Combined ratio 116.7 % 9 6.2 % 9 0.7 % 102.6 % 1 17.1 % (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 2Q 26 1Q 26 4Q 25 3Q 25 2Q 25 1Q 26 2Q 25 Net financing revenue Total financing revenue and other interest income $ 252 $ 243 $ 240 $ 238 $ 233 $ 9 $ 19 Interest expense 136 130 129 127 125 6 11 Net financing revenue 116 113 111 111 108 3 8 Total other revenue 29 35 31 25 19 (6) 10 Total net revenue 145 148 142 136 127 (3) 18 Provision for loan losses (12) 8 11 8 (2) (20) (10) Noninterest expense Compensation and benefits expense 20 26 19 19 19 (6) 1 Other operating expense 15 20 14 14 14 (5) 1 Total noninterest expense 35 46 33 33 33 (11) 2 Pre-tax income $ 122 $ 94 $ 98 $ 95 $ 96 $ 28 $ 26 (1) Change in the fair value of equity securities 0 0 (0) 0 (0) 0 0 (2) Core pre-tax income $ 122 $ 94 $ 98 $ 95 $ 96 $ 28 $ 26 Balance Sheet (Period-End) Equity securities $ 2 $ 2 $ 1 $ 1 $ 1 $ — $ 1 Loans held for sale, net 169 121 87 78 68 48 101 Commercial loans 13,687 13,714 12,930 11,289 10,968 (27) 2,719 Allowance for loan losses (164) (226) (219) (207) (175) 62 11 Total finance receivables and loans, net 13,523 13,488 12,711 11,082 10,793 35 2,730 Other assets 199 192 190 182 178 7 21 Total assets $ 13,893 $ 13,803 $ 12,989 $ 11,343 $ 11,040 $ 90 $ 2,853 (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 2Q 26 1Q 26 4Q 25 3Q 25 2Q 25 1Q 26 2Q 25 Net financing revenue Total financing revenue and other interest income $ 399 $ 395 $ 415 $ 434 $ 444 $ 4 $ (45) Interest expense 185 246 274 307 360 (61) (175) Net financing revenue 214 149 141 127 84 65 130 Other revenue Other gain/(loss) on investments, net — — — — 2 — (2) Gain/(loss) on mortgage and automotive loans, net 2 — (27) — (2) 2 4 (1) Other income, net of losses 20 31 32 43 28 (11) (8) Loss on extinguishment of debt (2) — — — — (2) (2) Total other revenue 20 31 5 43 28 (11) (8) Total net revenue 234 180 146 170 112 54 122 Provision for loan losses — (9) (2) (3) (1) 9 1 Noninterest expense Compensation and benefits expense 231 242 256 227 219 (11) 12 (2) Other operating expense 51 5 67 28 54 46 (3) Total noninterest expense 282 247 323 255 273 35 9 Pre-tax income (loss) $ (48) $ (58) $ (175) $ (82) $ (160) $ 10 $ 112 (3) Change in the fair value of equity securities — — — — (4) — 4 (4) Core OID 19 18 17 17 16 1 3 (3) Repositioning — (7) 59 — — 7 — (4) Core pre-tax income (loss) $ (29) $ (47) $ (99) $ (65) $ (148) $ 18 $ 119 Balance Sheet (Period-End) Cash, trading and investment securities $ 30,323 $ 31,976 $ 32,408 $ 32,382 $ 32,759 $ (1,653) $ (2,436) Loans held-for-sale, net 204 189 450 86 102 15 102 Consumer loans 14,927 15,288 15,579 16,253 16,582 (361) (1,655) Commercial loans 279 259 233 237 230 20 49 (5) Intercompany loans (814) (854) (807) (696) (687) 40 (127) Allowance for loan losses (14) (14) (15) (20) (20) — 6 Total finance receivables and loans, net 14,378 14,679 14,990 15,774 16,105 (301) (1,727) Other assets 9,404 9,122 9,481 8,552 8,053 282 1,351 Total assets $ 54,309 $ 55,966 $ 57,329 $ 56,794 $ 57,019 $ (1,657) $ (2,710) (4) Core OID Amortization Schedule 2026 2027 2028 2029 2030 & After Remaining Core OID amortization expense $ 40 $ 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 $300 million for 2Q26, $315 million for 1Q26, $294 million for 4Q25, $298 million for 3Q25, and $281 million for 2Q25. 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 2Q 26 1Q 26 4Q 25 3Q 25 2Q 25 1Q 26 2Q 25 Ending loan balance $ 143,673 $ 139,890 $ 137,454 $ 133,229 $ 134,567 $ 3,783 $ 10,444 30+ Accruing DPD $ 3,547 $ 3,231 $ 3,671 $ 3,345 $ 3,401 $ 316 $ 202 30+ Accruing DPD % 2.47 % 2.31% 2.67% 2 .51% 2.53% 60+ Accruing DPD $ 933 $ 846 $ 984 $ 883 $ 883 $ 87 $ 50 60+ Accruing DPD % 0 .65 % 0 .60 % 0 .72% 0 .66% 0 .66 % Non-performing loans (NPLs) $ 1,226 $ 1,306 $ 1,366 $ 1,359 $ 1,353 $ (80) $ (133) Net charge-offs (NCOs) $ 394 $ 417 $ 452 $ 366 $ 395 $ (23) $ 28 (2) Net charge-off rate 1 .11% 1.21% 1.34 % 1 .10 % 1 .18 % Provision for loan losses $ 430 $ 467 $ 487 $ 384 $ 415 $ (37) $ 46 Allowance for loan losses (ALLL) $ 3,576 $ 3,540 $ 3,490 $ 3,416 $ 3,460 $ 36 $ 160 (3) (4) ALLL as % of Loans 2.49% 2 .53 % 2.54% 2 .56% 2.57 % (3) ALLL as % of NPLs 292 % 2 71% 2 55% 2 51% 256 % (3) ALLL as % of NCOs 227 % 2 12 % 1 92% 2 34% 219% (5) U.S. Auto Delinquencies - HFI Retail Contract $'s 30+ Delinquent contract $ $ 3,470 $ 3,197 $ 3,630 $ 3,301 $ 3,340 $ 273 $ 169 % of retail contract $ outstanding 3 .89% 3.69 % 4 .24 % 3 .91 % 3 .93% 60+ Delinquent contract $ $ 930 $ 842 $ 974 $ 879 $ 877 $ 88 $ 51 % of retail contract $ outstanding 1 .04% 0 .97 % 1 .14 % 1 .04 % 1.03 % U.S. Auto Annualized Net Charge-Offs - HFI Retail Contract $'s Net charge-offs $ 344 $ 424 $ 454 $ 366 $ 399 $ (80) $ (22) (2) % of avg. HFI assets 1 .57 % 1.97 % 2 .14 % 1 .75% 1 .88% (6) U.S. Auto Annualized Net Charge-Offs - HFI Commercial Contract $'s Net charge-offs $ — $ — $ — $ — $ — $ — $ — (2) % of avg. HFI assets — % — % —% ( 0.01) % ( 0.01)% (1) Loans within this table are classified as held-for-investment recorded at amortized cost as these loans are included in our allowance for loan losses. (2) Net charge-off ratios are calculated as annualized net charge-offs divided by average outstanding finance receivables and loans excluding loans measured at fair value, conditional repurchase loans and loans held- for-sale during the year for each loan category. (3) Excludes provision for credit losses related to our reserve for unfunded commitments. (4) ALLL coverage ratios are based on the allowance for loan losses related to loans held-for-investment excluding those loans held at fair value as a percentage of the unpaid principal balance, net of premiums and discounts. (5) Auto delinquency metrics include accruing contracts only. (6) Commercial Auto data includes Insurance advances. Note: Numbers may not foot due to rounding. 14

ALLY FINANCIAL INC. CREDIT RELATED INFORMATION, CONTINUED ($ in millions) (1) Automotive Finance QUARTERLY TRENDS CHANGE VS. Consumer 2Q 26 1Q 26 4Q 25 3Q 25 2Q 25 1Q 26 2Q 25 Net Charge-offs $ 344 $ 424 $ 454 $ 399 $ 366 $ (80) $ (22) Allowance for loan losses $ 3,345 $ 3,250 $ 3,208 $ 3,186 $ 3,166 $ 95 $ 179 (2) Total consumer loans $ 89,184 $ 86,662 $ 85,568 $ 84,994 $ 84,365 $ 2,522 $ 4,819 (3) Coverage ratio 3 .75 % 3 .75 % 3 .75 % 3.75 % 3.75 % (4) Commercial Net Charge-offs $ — $ — $ — $ — $ — $ — $ — Allowance for loan losses $ 53 $ 50 $ 48 $ 47 $ 55 $ 3 $ (2) Total commercial loans $ 25,563 $ 23,944 $ 23,151 $ 21,794 $ 21,078 $ 1,619 $ 4,485 Coverage ratio 0.21% 0.21% 0 .21% 0 .21% 0.26 % (1) Consumer Mortgage Net Charge-offs $ (1) $ (8) $ (1) $ (3) $ — $ 7 $ (1) Allowance for loan losses $ 10 $ 11 $ 12 $ 17 $ 17 $ (1) $ (7) Total consumer loans $ 14,960 $ 15,311 $ 15,572 $ 16,253 $ 16,588 $ (351) $ (1,628) Coverage ratio 0.07 % 0 .07% 0.07% 0 .10% 0 .10 % (1) Corporate Finance Net Charge-offs $ 51 $ 1 $ (1) $ (1) $ — $ 50 $ 51 Allowance for loan losses $ 164 $ 226 $ 219 $ 207 $ 175 $ (62) $ (11) Total commercial loans $ 13,687 $ 13,714 $ 12,930 $ 11,289 $ 10,968 $ (27) $ 2,719 Coverage ratio 1.19 % 1.65% 1 .69% 1.83% 1 .60 % (1) Corporate and Other Net Charge-offs $ — $ — $ — $ — $ — $ — $ — Allowance for loan losses $ 4 $ 3 $ 3 $ 3 $ 3 $ 1 $ 1 Total commercial loans $ 279 $ 259 $ 233 $ 237 $ 230 $ 20 $ 49 Coverage ratio 1 .36% 1.36% 1 .38% 1 .36% 1 .36% (1) ALLL coverage ratios are based on the domestic allowance as a percentage of finance receivables and loans reported at their gross carrying value, which includes the principal amount outstanding, net of unearned income, unamortized deferred fees reduced by costs on originated loans, unamortized premiums and discounts on purchased loans, unamortized basis adjustments arising from the designation of finance receivables and loans as the hedged item in qualifying fair value hedge relationships, and cumulative principal charge-offs. Excludes loans held at fair value. (2) Includes ($33M) of fair value adjustment for loans in hedge accounting relationships in 2Q26, ($23M) in 1Q26, $7M in 4Q25, $0M in 3Q25 and ($6M) in 2Q25. (3) Excludes ($33M) of fair value adjustment for loans in hedge accounting relationships in 2Q26, ($23M) in 1Q26, $7M in 4Q25, $0M in 3Q25 and ($6M) in 2Q25. (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 2Q 26 1Q 26 4Q 25 3Q 25 2Q 25 1Q 26 2Q 25 Risk-weighted assets $ 156.8 $ 155.2 $ 152.8 $ 150.7 $ 151.3 $ 1.6 $ 5.5 10.1 % 10.1 % 1 0.2% 10.1 % 9.9 % Common Equity Tier 1 (CET1) capital ratio Tier 1 capital ratio 11.4% 1 1.6% 11.7% 11.6 % 1 1.4 % Total capital ratio 1 3.2% 1 3.4 % 13.6% 1 3.4% 13.2 % (1) (2) 6.7 % 6 .6% 6 .6% 6 .6 % 6 .4% Tangible common equity / Tangible assets (1) Tangible common equity / Risk-weighted assets 8 .5% 8.4 % 8 .5% 8 .4 % 8.0% Shareholders’ equity $ 15.5 $ 15.6 $ 15.5 $ 15.1 $ 14.5 $ (0.1) $ 1.0 less: Certain AOCI items and other adjustments 2.4 2.4 2.5 2.4 2.7 — (0.3) Preferred equity (2.0) (2.3) (2.3) (2.3) (2.3) 0.3 0.3 Common Equity Tier 1 capital $ 15.9 $ 15.7 $ 15.6 $ 15.2 $ 15.0 $ 0.2 $ 0.9 Common Equity Tier 1 capital $ 15.9 $ 15.7 $ 15.6 $ 15.2 $ 15.0 $ 0.2 $ 0.9 add: Preferred equity 2.0 2.3 2.3 2.3 2.3 (0.3) (0.3) less: Other adjustments (0.1) (0.1) (0.1) (0.1) (0.1) — — Tier 1 capital $ 17.8 $ 17.9 $ 17.9 $ 17.4 $ 17.2 $ (0.1) $ 0.6 Tier 1 capital $ 17.8 $ 17.9 $ 17.9 $ 17.4 $ 17.2 $ (0.1) $ 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 1.8 1.8 — 0.1 Total capital $ 20.7 $ 20.8 $ 20.7 $ 20.3 $ 20.0 $ (0.1) $ 0.7 Total shareholders' equity $ 15.5 $ 15.6 $ 15.5 $ 15.1 $ 14.5 $ (0.1) $ 1.0 less: Preferred equity (2.0) (2.3) (2.3) (2.3) (2.3) 0.3 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 $ 13.3 $ 13.1 $ 13.0 $ 12.6 $ 12.0 $ 0.2 $ 1.3 Total assets $ 199.7 $ 197.3 $ 196.0 $ 191.7 $ 189.5 $ 2.4 $ 10.2 less: Goodwill and intangible assets, net of deferred tax liabilities (0.2) (0.2) (0.2) (0.2) (0.2) — — (2) Tangible assets $ 199.5 $ 197.1 $ 195.8 $ 191.5 $ 189.3 $ 2.4 $ 10.2 (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) 2Q 26 1Q 26 4Q 25 3Q 25 2Q 25 1Q 26 2Q 25 (1) Liquid cash and cash equivalents $ 7.5 $ 8.9 $ 9.7 $ 9.5 $ 10.0 $ (1.4) $ (2.5) (2) Highly liquid securities 20.6 20.4 20.3 19.9 19.2 0.2 1.4 Subtotal $ 28.2 $ 29.3 $ 30.0 $ 29.5 $ 29.2 $ (1.1) $ (1.0) FHLB Unused Pledged Borrowing Capacity 7.5 9.5 9.1 10.3 10.7 (2.0) (3.2) FRB Discount Window Unused Pledged Capacity 27.2 27.0 26.9 26.9 26.9 0.2 0.3 Total unused pledged capacity $ 34.7 $ 36.5 $ 36.0 $ 37.2 $ 37.6 $ (1.8) $ (2.9) Total current available liquidity $ 62.8 $ 65.8 $ 66.1 $ 66.6 $ 66.8 $ (3.0) $ (4.0) 2031 & Unsecured Long-Term Debt Maturity Profile 2026 2027 2028 2029 2030 After (3) Consolidated remaining maturities $ — $ 1.5 $ 0.8 $ 1.6 $ 0.8 $ 5.3 Ally Bank Deposits Key Deposit Statistics Average retail CD duration (months) 17.8 17.6 17.4 17.2 17.1 0.2 0.7 Average retail deposit rate 3 .12% 3 .26% 3.35% 3 .48 % 3.58 % End of Period Deposit Levels ($ in millions) Retail $ 143,566 $ 146,132 $ 143,529 $ 141,843 $ 143,158 $ (2,566) $ 408 Brokered & other 10,480 7,020 8,120 6,567 4,708 3,460 5,772 Total deposits $1 54,046 $ 153,152 $ 151,649 $1 48,410 $1 47,866 $ 894 $ 6,180 Deposit Mix Retail CD 22% 2 3 % 23 % 2 4 % 25 % MMA/OSA/Checking 7 2% 73% 71 % 71% 72% Brokered & other 6 % 4 % 6 % 5% 3% (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 06/30/26. 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) 2Q 26 1Q 26 4Q 25 3Q 25 2Q 25 1Q 26 2Q 25 Average Balance Details $ 87,535 $ 85,858 $ 84,865 $ 84,592 $ 83,858 $ 1,677 $ 3,677 Retail Auto Loans 8,689 8,805 8,753 8,255 7,919 (116) 770 Auto Lease (net of dep.) 16,834 15,466 15,956 14,771 14,570 1,368 2,264 Dealer Floorplan Other Dealer Loans 7,886 7,460 6,541 6,348 6,293 426 1,593 13,811 13,348 12,078 11,085 11,079 463 2,732 Corporate Finance (1) 15,200 15,708 16,070 16,458 16,798 (508) (1,598) Mortgage (4) 8,931 9,100 8,983 8,465 8,888 (169) 43 Cash and Cash Equivalents Investment Securities and Other 29,537 29,326 29,191 28,756 28,658 211 879 Total Earning Assets $ 188,423 $ 185,071 $ 182,437 $ 178,730 $ 178,063 $ 3,352 $ 10,360 Interest Revenue 3,196 3,106 3,160 3,162 3,109 90 87 (2) Unsecured Debt (ex. Core OID balance) $ 10,489 $ 10,654 $ 11,273 $ 11,598 $ 11,171 $ (165) $ (682) Secured Debt 3,187 2,860 2,604 1,780 1,794 327 1,393 (3) 152,591 151,867 149,028 147,660 148,444 724 4,147 Deposits Other Borrowings 8,433 6,137 5,845 4,590 4,352 2,296 4,081 (2) Total Funding Sources (ex. Core OID balance) $ 174,701 $ 171,518 $ 168,750 $ 165,628 $ 165,761 $ 3,183 $ 8,940 (2) Interest Expense (ex. Core OID) 1,493 1,499 1,545 1,561 1,577 (6) (84) (2) Net Financing Revenue (ex. Core OID) $ 1,703 $ 1,607 $ 1,615 $ 1,601 $ 1,532 $ 96 $ 171 Net Interest Margin (yield details) 9 .28 % 9.30 % 9 .32 % 9.28% 9.27 % (0.02) % 0 .01 % Retail Auto Loan 9 .25 % 9.27 % 9 .27% 9.21 % 9.19 % ( 0.02)% 0 .06% Retail Auto Loan (excl. hedge impact) 5 .61 % 5 .73% 5 .93% 6 .70% 6 .88% (0.12)% ( 1.27)% Auto Lease (net of dep.) Dealer Floorplan 5.55% 5 .70 % 5.91% 6.42% 6.41 % (0.15)% (0.86)% Other Dealer Loans 6.02 % 5.94% 5 .68% 5 .66 % 5.64% 0 .08% 0.38% 7 .36 % 7.43% 7 .98 % 8 .59 % 8 .52% (0.07) % (1.16)% Corporate Finance (1) Mortgage 3.16 % 3.21 % 3 .13% 3.14% 3.17 % ( 0.05)% ( 0.01) % (4) Cash and Cash Equivalents 3 .57% 3.61 % 3 .89 % 4.28% 4.32 % ( 0.04) % (0.75)% Investment Securities and Other 3 .34% 3 .28 % 3 .34% 3 .47 % 3 .50 % 0 .06 % (0.16)% 6 .80% 6.81% 6 .87% 7.02 % 7 .00% (0.01) % (0.20)% Total Earning Assets (2) 6 .43% 6.44% 6.36% 6.33 % 6.42% (0.01)% 0.01 % Unsecured Debt (ex. Core OID & Core OID balance) Secured Debt 4 .87% 5 .17 % 5 .14 % 5 .41% 5.51 % (0.30)% ( 0.64) % (3) Deposits 3 .15 % 3 .29 % 3 .38 % 3 .50 % 3.59 % (0.14)% (0.44) % (5) Other Borrowings 4 .11% 4.02% 4 .21% 4 .26 % 4.15 % 0.09% ( 0.04) % (2) Total Funding Sources (ex. Core OID & Core OID balance) 3.43 % 3 .55% 3 .63% 3 .74 % 3.82 % ( 0.12) % ( 0.39)% NIM (as reported) 3 .59% 3 .48% 3 .48 % 3 .51% 3 .41% 0.11% 0 .18 % (2) NIM (ex. Core OID & Core OID balance) 3 .63 % 3.52% 3 .51 % 3.55% 3.45% 0 .11% 0.18% (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 3.62% for 2Q26, 3.61% for 1Q26, 3.88% for 4Q25, 4.28% for 3Q25, and 4.35% for 2Q25. (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 2Q 26 1Q 26 4Q 25 3Q 25 2Q 25 1Q 26 2Q 25 GAAP net income (loss) attributable to common shareholders $ 367 $ 291 $ 300 $ 371 $ 324 $ 76 $ 43 Weighted-average common shares outstanding - basic 308,362 310,992 310,792 310,342 309,895 (2,630) (1,534) Weighted-average common shares outstanding - diluted 311,035 313,219 314,264 313,823 312,434 (2,184) (1,399) Issued shares outstanding (period-end) 304,543 307,408 308,493 307,828 307,787 (2,865) (3,244) Net income (loss) per share - basic $ 1.19 $ 0.94 $ 0.97 $ 1.19 $ 1.05 $ 0.26 $ 0.15 Net income (loss) per share - diluted $ 1.18 $ 0.93 $ 0.95 $ 1.18 $ 1.04 $ 0.25 $ 0.15 (1) Adjusted Earnings per Share ( Adjusted EPS ) Numerator GAAP net income (loss) attributable to common shareholders $ 367 $ 291 $ 300 $ 371 $ 324 $ 76 $ 43 Discontinued operations, net of tax — — — — — — — (2) Core OID 19 18 17 17 16 1 3 (3) Change in the fair value of equity securities (29) 59 (2) (27) (35) (88) 6 Core OID, repositioning & change in the fair value of equity securities tax (tax rate 21%) 2 (15) (16) 2 4 17 (2) (3) Repositioning — (7) 59 — — 7 — Significant discrete tax items — — (18) — — — — Capital Actions (preferred redemption) 15 — — — — 15 15 (2) Core net income attributable to common shareholders $ 375 $ 346 $ 341 $ 363 $ 309 $ 29 $ 65 Denominator Weighted-average common shares outstanding - basic or diluted as applicable 311,035 313,219 314,264 313,823 312,434 (2,184) (1,399) (1) Adjusted EPS $ 1.21 $ 1.11 $ 1.09 $ 1.15 $ 0.99 $ 0.10 $ 0.21 GAAP original issue discount amortization expense $ 20 $ 19 $ 19 $ 19 $ 18 $ 1 $ 2 Other OID (1) (1) (2) (2) (2) (0) 1 (2) Core original issue discount (Core OID) amortization expense $ 19 $ 18 $ 17 $ 17 $ 16 $ 1 $ 3 GAAP outstanding original issue discount balance $ (649) $ (670) $ (689) $ (708) $ (727) $ 20 $ 77 Other outstanding OID balance 16 17 18 20 22 (1) (6) (2) Core outstanding original issue discount balance (Core OID balance) $ (634) $ (653) $ (671) $ (688) $ (705) $ 19 $ 71 GAAP Net Financing Revenue $ 1,684 $ 1,589 $ 1,598 $ 1,584 $ 1,516 $ 95 $ 168 (2) Core OID 19 18 17 17 16 1 3 (2) Net Financing Revenue (ex. Core OID) $ 1,703 $ 1,607 $ 1,615 $ 1,601 $ 1,532 $ 96 $ 171 GAAP Other Revenue $ 602 $ 513 $ 525 $ 584 $ 566 $ 89 $ 36 (3) Repositioning — 0 27 — — (0) — (3) Change in the fair value of equity securities (29) 59 (2) (27) (35) (88) 6 (3) Adjusted Other Revenue $ 573 $ 572 $ 550 $ 557 $ 531 $ 1 $ 42 GAAP Provision Expense $ 430 $ 467 $ 487 $ 415 $ 384 $ (37) $ 46 (3) Repositioning — 7 (1) — — (7) — (3) Adjusted Provision (ex. Repositioning) $ 430 $ 474 $ 486 $ 415 $ 384 $ (44) $ 46 GAAP Noninterest Expense $ 1,319 $ 1,235 $ 1,250 $ 1,240 $ 1,262 $ 84 $ 57 (3) Repositioning and other — — (31) — — — — (2) Adjusted Noninterest Expense $ 1,319 $ 1,235 $ 1,219 $ 1,240 $ 1,262 $ 84 $ 57 (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 2Q 26 1Q 26 4Q 25 3Q 25 2Q 25 1Q 26 2Q 25 Numerator GAAP shareholders' equity $ 15,491 $ 15,609 $ 15,498 $ 15,117 $ 14,547 $ (118) $ 944 Preferred equity (1,976) (2,324) (2,324) (2,324) (2,324) 348 348 GAAP common shareholders' equity $ 13,515 $ 13,285 $ 13,174 $ 12,793 $ 12,223 $ 230 $ 1,292 Goodwill and identifiable intangibles, net of DTLs (187) (187) (187) (187) (187) 0 0 (1) Tangible common equity 13,328 13,098 12,987 12,606 12,036 230 1,292 (1) Tax-effected Core OID balance (21% tax rate) (501) (516) (530) (544) (557) 15 56 (2) Adjusted tangible book value $ 12,827 $ 12,582 $ 12,457 $ 12,062 $ 11,479 $ 245 $ 1,348 Denominator Issued shares outstanding (period-end, thousands) 304,543 307,408 308,493 307,828 307,787 (2,865) (3,244) GAAP shareholders' equity per share $ 50.87 $ 50.78 $ 50.24 $ 49.11 $ 47.26 $ 0.09 $ 3.60 Preferred equity per share (6.49) (7.56) (7.53) (7.55) (7.55) 1.07 1.06 GAAP common shareholders' equity per share $ 44.38 $ 43.22 $ 42.70 $ 41.56 $ 39.71 $ 1.16 $ 4.67 Goodwill and identifiable intangibles, net of DTLs per share (0.61) (0.61) (0.61) (0.61) (0.61) (0.01) (0.01) (1) Tangible common equity per share 43.76 42.61 42.10 40.95 39.10 1.16 4.66 (1) Tax-effected Core OID balance (21% tax rate) per share (1.64) (1.68) (1.72) (1.77) (1.81) 0.03 0.16 (2) Adjusted tangible book value per share $ 42.12 $ 40.93 $ 40.38 $ 39.19 $ 37.30 $ 1.19 $ 4.83 (1) Represents a non-GAAP financial measure. For more details refer to pages 23-24. (2) Adjusted tangible book value per share (Adjusted TBVPS) is a non-GAAP financial measure that reflects the book value of equity attributable to shareholders even if Core OID balance were accelerated immediately through the financial statements. As a result, management believes Adjusted TBVPS provides the reader with an assessment of value that is more conservative than GAAP common shareholder’s equity per share. Adjusted TBVPS generally adjusts common equity for (1) goodwill and identifiable intangibles, net of DTLs, and (2) tax-effected Core OID balance to reduce tangible common equity in the event the corresponding discounted bonds are redeemed/tendered. Note: Numbers may not foot due to rounding. 20

ALLY FINANCIAL INC. CORE ROTCE RELATED INFORMATION ($ in millions) unless noted otherwise QUARTERLY TRENDS CHANGE VS. Core Return on Tangible Common Equity ( Core ROTCE ) 2Q 26 1Q 26 4Q 25 3Q 25 2Q 25 1Q 26 2Q 25 Numerator GAAP net income (loss) attributable to common shareholders $ 367 $ 291 $ 300 $ 371 $ 324 $ 76 $ 43 Discontinued operations, net of tax — — — — — — — (2) Core OID 19 18 17 17 16 1 3 (2) Change in the fair value of equity securities (29) 59 (2) (27) (35) (88) 6 Core OID, repositioning & change in the fair value of equity 2 (15) (16) 2 4 17 (2) securities tax (tax rate 21%) (2) Repositioning — (7) 59 — — 7 — Significant discrete tax items — — (18) — — — — Capital Actions (preferred redemption) 15 — — — — 15 15 (1) Core net income attributable to common shareholders $ 375 $ 346 $ 341 $ 363 $ 309 $ 29 $ 66 Denominator (average, $ millions) GAAP shareholders' equity $ 15,550 $ 15,554 $ 15,308 $ 14,832 $ 14,390 $ (4) $ 1,161 Preferred equity (2,150) (2,324) (2,324) (2,324) (2,324) 174 174 GAAP common shareholders' equity $ 13,400 $ 13,230 $ 12,984 $ 12,508 $ 12,066 $ 171 $ 1,335 Goodwill & identifiable intangibles, net of deferred tax liabilities ( DTLs ) (187) (187) (187) (187) (241) 0 54 Tangible common equity $ 13,213 $ 13,042 $ 12,796 $ 12,321 $ 11,824 $ 171 $ 1,389 Tax-effected Core OID balance (tax rate 21%) (508) (523) (537) (550) (563) 15 55 (1) Adjusted Tangible Common Equity $ 12,705 $ 12,520 $ 12,260 $ 11,771 $ 11,261 $ 185 $ 1,444 (3) Core Return on Tangible Common Equity 11.8 % 1 1.1% 11.1% 1 2.3% 11.0 % (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 2Q 26 1Q 26 4Q 25 3Q 25 2Q 25 1Q 26 2Q 25 Numerator GAAP Noninterest Expense $ 1,319 $ 1,235 $ 1,250 $ 1,240 $ 1,262 $ 84 $ 57 Insurance expense (434) (350) (335) (374) (424) (84) (10) (2) Repositioning — — (31) — — — — Adjusted noninterest expense for the efficiency ratio $ 885 $ 885 $ 884 $ 866 $ 838 $ — $ 47 Denominator Total net revenue $ 2,286 $ 2,102 $ 2,123 $ 2,168 $ 2,082 $ 184 $ 204 (2) Core OID 19 18 17 17 16 1 3 Insurance revenue (487) (378) (426) (453) (452) (109) (35) (2) Repositioning — 0 27 — — — — Adjusted net revenue for the efficiency ratio $ 1,818 $ 1,742 $ 1,741 $ 1,732 $ 1,646 $ 76 $ 172 (1) Adjusted Efficiency Ratio 4 8.7 % 5 0.8% 5 0.8% 5 0.0 % 5 0.9 % (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

Source: View Original Filing on SEC EDGAR

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Ally Financial (NYSE: ALLY) lifts Q2 2026 EPS to $1.18 on $2.286B revenue

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