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Revenue from Contracts with Customers (Tables) | 3 Months Ended
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Mar. 31, 2025
Revenue from Contract with Customer [Abstract] |
Schedule of Disaggregation of Revenue | The following table presents a disaggregated view of our revenue from contracts with customers. For further information regarding our revenue recognition policies and details about the nature of our respective revenue streams, refer to Note 1 and Note 3 to the Consolidated Financial Statements in our 2024 Annual Report on Form 10-K.
Three months ended March 31, ($ in millions) |  | Automotive Finance operations |  | Insurance operations |  | Corporate Finance operations |  | Corporate and Other |  | Consolidated
2025 |  |  |  |  |  |  |  |  |  |
Revenue from contracts with customers |  |  |  |  |  |  |  |  |  |
Noninsurance contracts (a) (b) (c) |  | $ | — |  |  | $ | 241 |  |  | $ | — |  |  | $ | — |  |  | $ | 241 |
Remarketing fee income |  | 31 |  |  | — |  |  | — |  |  | — |  |  | 31 |
Brokerage commissions and other revenue |  | — |  |  | — |  |  | — |  |  | 20 |  |  | 20 |
Banking fees and interchange income (d) |  | — |  |  | — |  |  | — |  |  | 19 |  |  | 19 |
Brokered/agent commissions |  | — |  |  | 5 |  |  | — |  |  | — |  |  | 5 |
Other |  | 5 |  |  | 1 |  |  | — |  |  | 1 |  |  | 7 |
Total revenue from contracts with customers |  | 36 |  |  | 247 |  |  | — |  |  | 40 |  |  | 323 |
All other revenue |  | 61 |  |  | 117 |  |  | 29 |  |  | (467) |  |  | (260) |
Total other revenue (e) |  | $ | 97 |  |  | $ | 364 |  |  | $ | 29 |  |  | $ | (427) |  |  | $ | 63 |
2024 |  |  |  |  |  |  |  |  |  |
Revenue from contracts with customers |  |  |  |  |  |  |  |  |  |
Noninsurance contracts (a) (b) (c) |  | $ | — |  |  | $ | 173 |  |  | $ | — |  |  | $ | — |  |  | $ | 173 |
Remarketing fee income |  | 30 |  |  | — |  |  | — |  |  | — |  |  | 30 |
Brokerage commissions and other revenue |  | — |  |  | — |  |  | — |  |  | 23 |  |  | 23 |
Banking fees and interchange income (d) |  | — |  |  | — |  |  | — |  |  | 9 |  |  | 9 |
Brokered/agent commissions |  | — |  |  | 4 |  |  | — |  |  | — |  |  | 4 |
Other |  | 5 |  |  | — |  |  | — |  |  | — |  |  | 5 |
Total revenue from contracts with customers |  | 35 |  |  | 177 |  |  | — |  |  | 32 |  |  | 244 |
All other revenue |  | 62 |  |  | 207 |  |  | 23 |  |  | (6) |  |  | 286 |
Total other revenue (e) |  | $ | 97 |  |  | $ | 384 |  |  | $ | 23 |  |  | $ | 26 |  |  | $ | 530 |
(a)We had opening balances of $3.0 billion in unearned revenue associated with outstanding contracts at both January 1, 2025 and 2024, and $238 million and $248 million of these balances were recognized as insurance premiums and service revenue earned in our Condensed Consolidated Statement of Comprehensive Income (Loss) during the three months ended March 31, 2025, and 2024, respectively. (b)At March 31, 2025, we had unearned revenue of $3.0 billion associated with outstanding contracts, and with respect to this balance we expect to recognize revenue of $649 million during the remainder of 2025, $742 million in 2026, $595 million in 2027, $436 million in 2028, and $535 million thereafter. At March 31, 2024, we had unearned revenue of $2.9 billion associated with outstanding contracts. (c)We had deferred insurance assets of $1.8 billion at both March 31, 2025, and December 31, 2024, and recognized $141 million of expense during the three months ended March 31, 2025. We had deferred insurance assets of $1.8 billion at both March 31, 2024 and December 31, 2023, and recognized $147 million of expense during the three months ended March 31, 2024. (d)Interchange income is reported net of customer rewards related to Ally Credit Card. Customer rewards expense was $6 million during both the three months ended March 31, 2025, and March 31, 2024. (e)Represents a component of total net revenue. Refer to Note 23 for further information on our reportable operating segments.

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- Definition Tabular disclosure of disaggregation of revenue into categories depicting how nature, amount, timing, and uncertainty of revenue and cash flows are affected by economic factor. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 606 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 5 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479806/606-10-50-5 + Details
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