Ally Financial Inc. · NYSE:ALLY
Ally Financial — Q2 2026 Earnings Presentation
24 slides from Ally Financial's earnings presentation, Jul 21, 2026
Slide 1: Second Quarter 2026 Financial Supplement
Exhibit 99.3 SECOND QUARTER 2026 FINANCIAL SUPPLEMENT
Slide 2: Forward-Looking Statements and Additional Information
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 Repor
Slide 3: Table of Contents
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 Finan
Slide 4: Consolidated Financial Highlights
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)
Slide 5: Consolidated Income Statement
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
Slide 6: Consolidated Period-End Balance Sheet
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
Slide 7: Consolidated Average Balance Sheet
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 29,13
Slide 8: Segment Highlights
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) Corpo
Slide 9: Automotive Finance - Condensed Financial Statements
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 h
Slide 10: Automotive Finance - Key Statistics
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
Slide 11: Insurance - Condensed Financial Statements and Key Statistics
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
Slide 12: Corporate Finance - Condensed Financial Statements
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 expens
Slide 13: Corporate and Other - Condensed Financial Statements
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 ex
Slide 14: Credit Related Information
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 $ 3,34
Slide 15: Credit Related Information, Continued
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 $ 3,16
Slide 16: Capital
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
Slide 17: Liquidity and Deposits
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
Slide 18: Net Interest Margin
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
Slide 19: Earnings Per Share Related Information
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-av
Slide 20: Adjusted Tangible Book Per Share Related Information
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,
Slide 21: Core ROTCE Related Information
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
Slide 22: Adjusted Efficiency Ratio Related Information
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) (
Slide 23: Non-GAAP Financial Measures
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 shar
Slide 24: Non-GAAP Financial Measures
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 shar