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Revenue from Contracts with Customers | 9 Months Ended
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Sep. 30, 2025
Revenue from Contract with Customer [Abstract] |
Revenue from Contracts with Customers | Revenue from Contracts with Customers Our primary revenue sources, which include financing revenue and other interest income, are addressed by other U.S. GAAP topics and are not in the scope of ASC Topic 606, Revenue from Contracts with Customers. As part of our Insurance operations, we recognize revenue from insurance contracts, which are addressed by other U.S. GAAP topics and are not included in the scope of this standard. Certain noninsurance contracts within our Insurance operations, including VSCs, GAP contracts, and VMCs, are included in the scope of this standard. All revenue associated with noninsurance contracts is recognized over the contract term on a basis proportionate to the anticipated cost emergence. Further, commissions and sales expense incurred to obtain these contracts are amortized over the terms of the related policies and service contracts on the same basis as premiums and service revenue are earned, and all advertising costs are recognized as expense when incurred. The following tables present 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 September 30, ($ 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) |  | $ | — |  |  | $ | 242 |  |  | $ | — |  |  | $ | — |  |  | $ | 242 |
Remarketing fee income |  | 28 |  |  | — |  |  | — |  |  | — |  |  | 28 |
Brokerage commissions and other revenue |  | — |  |  | — |  |  | — |  |  | 21 |  |  | 21 |
Banking fees and interchange income (d) |  | — |  |  | — |  |  | — |  |  | 9 |  |  | 9 |
Brokered/agent commissions |  | — |  |  | 1 |  |  | — |  |  | — |  |  | 1 |
Other |  | 6 |  |  | — |  |  | — |  |  | 1 |  |  | 7 |
Total revenue from contracts with customers |  | 34 |  |  | 243 |  |  | — |  |  | 31 |  |  | 308 |
All other revenue |  | 62 |  |  | 177 |  |  | 25 |  |  | 12 |  |  | 276 |
Total other revenue (e) |  | $ | 96 |  |  | $ | 420 |  |  | $ | 25 |  |  | $ | 43 |  |  | $ | 584 |
2024 |  |  |  |  |  |  |  |  |  |
Revenue from contracts with customers |  |  |  |  |  |  |  |  |  |
Noninsurance contracts (a) (b) (c) |  | $ | — |  |  | $ | 246 |  |  | $ | — |  |  | $ | — |  |  | $ | 246 |
Remarketing fee income |  | 28 |  |  | — |  |  | — |  |  | — |  |  | 28 |
Brokerage commissions and other revenue |  | — |  |  | — |  |  | — |  |  | 22 |  |  | 22 |
Banking fees and interchange income (d) |  | — |  |  | — |  |  | — |  |  | 12 |  |  | 12 |
Brokered/agent commissions |  | — |  |  | 5 |  |  | — |  |  | — |  |  | 5 |
Other |  | 5 |  |  | 1 |  |  | — |  |  | — |  |  | 6 |
Total revenue from contracts with customers |  | 33 |  |  | 252 |  |  | — |  |  | 34 |  |  | 319 |
All other revenue |  | 52 |  |  | 185 |  |  | 37 |  |  | 22 |  |  | 296 |
Total other revenue (e) |  | $ | 85 |  |  | $ | 437 |  |  | $ | 37 |  |  | $ | 56 |  |  | $ | 615 |
(a)We had opening balances of $3.0 billion in unearned revenue associated with outstanding contracts at both July 1, 2025, and 2024, and $239 million and $243 million of these balances were recognized as insurance premiums and service revenue earned in our Condensed Consolidated Statement of Comprehensive Income during the three months ended September 30, 2025, and 2024, respectively. (b)At September 30, 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 $230 million during the remainder of 2025, $816 million in 2026, $677 million in 2027, $522 million in 2028, and $748 million thereafter. At September 30, 2024, we had unearned revenue of $3.0 billion associated with outstanding contracts. (c)We had deferred insurance assets of $1.8 billion at both July 1, 2025, and September 30, 2025, and recognized $141 million of expense during the three months ended September 30, 2025. We had deferred insurance assets of $1.8 billion at both July 1, 2024, and September 30, 2024, and recognized $141 million of expense during the three months ended September 30, 2024. (d)Interchange income is reported net of customer rewards related to Ally Credit Card. Customer rewards expense was $7 million for the three months ended September 30, 2024. We closed the sale of Ally Credit Card on April 1, 2025. Refer to Note 2 for additional information. (e)Represents a component of total net revenue. Refer to Note 23 for further information on our reportable operating segments.
Nine months ended September 30, ($ in millions) |  | Automotive Finance operations |  | Insurance operations |  | Corporate Finance operations |  | Corporate and Other |  | Consolidated
2025 |  |  |  |  |  |  |  |  |  |
Revenue from contracts with customers |  |  |  |  |  |  |  |  |  |
Noninsurance contracts (a) (b) |  | $ | — |  |  | $ | 724 |  |  | $ | — |  |  | $ | — |  |  | $ | 724 |
Remarketing fee income |  | 90 |  |  | — |  |  | — |  |  | — |  |  | 90 |
Brokerage commissions and other revenue |  | — |  |  | — |  |  | — |  |  | 61 |  |  | 61 |
Banking fees and interchange income (c) |  | — |  |  | — |  |  | — |  |  | 34 |  |  | 34 |
Brokered/agent commissions |  | — |  |  | 13 |  |  | — |  |  | — |  |  | 13 |
Other |  | 16 |  |  | 2 |  |  | — |  |  | 3 |  |  | 21 |
Total revenue from contracts with customers |  | 106 |  |  | 739 |  |  | — |  |  | 98 |  |  | 943 |
All other revenue |  | 184 |  |  | 467 |  |  | 73 |  |  | (454) |  |  | 270 |
Total other revenue (d) |  | $ | 290 |  |  | $ | 1,206 |  |  | $ | 73 |  |  | $ | (356) |  |  | $ | 1,213 |
2024 |  |  |  |  |  |  |  |  |  |
Revenue from contracts with customers |  |  |  |  |  |  |  |  |  |
Noninsurance contracts (a) (b) |  | $ | — |  |  | $ | 666 |  |  | $ | — |  |  | $ | — |  |  | $ | 666 |
Remarketing fee income |  | 88 |  |  | — |  |  | — |  |  | — |  |  | 88 |
Brokerage commissions and other revenue |  | — |  |  | — |  |  | — |  |  | 67 |  |  | 67 |
Banking fees and interchange income (c) |  | — |  |  | — |  |  | — |  |  | 35 |  |  | 35 |
Brokered/agent commissions |  | — |  |  | 15 |  |  | — |  |  | — |  |  | 15 |
Other |  | 14 |  |  | 2 |  |  | — |  |  | — |  |  | 16 |
Total revenue from contracts with customers |  | 102 |  |  | 683 |  |  | — |  |  | 102 |  |  | 887 |
All other revenue |  | 173 |  |  | 476 |  |  | 90 |  |  | 24 |  |  | 763 |
Total other revenue (d) |  | $ | 275 |  |  | $ | 1,159 |  |  | $ | 90 |  |  | $ | 126 |  |  | $ | 1,650 |
(a)We had opening balances of $3.0 billion in unearned revenue associated with outstanding contracts at both January 1, 2025, and 2024, and $715 million and $732 million of these balances were recognized as insurance premiums and service revenue earned in our Condensed Consolidated Statement of Comprehensive Income during the nine months ended September 30, 2025, and 2024, respectively. (b)We had deferred insurance assets of $1.8 billion at both January 1, 2025, and September 30, 2025, and recognized $417 million of expense during the nine months ended September 30, 2025. We had deferred insurance assets of $1.8 billion at both January 1, 2024, and September 30, 2024, and recognized $432 million of expense during the nine months ended September 30, 2024. (c)Interchange income is reported net of customer rewards related to Ally Credit Card. Customer rewards expense was $6 million and $20 million for the nine months ended September 30, 2025, and 2024, respectively. We closed the sale of Ally Credit Card on April 1, 2025. Refer to Note 2 for additional information. (d)Represents a component of total net revenue. Refer to Note 23 for further information on our reportable operating segments. In addition to the components of other revenue presented above, as part of our Automotive Finance operations, we recognized net remarketing gains on the sale of off-lease vehicles of $1 million for the three months ended September 30, 2025, and net remarketing losses of $18 million for the nine months ended September 30, 2025, respectively, compared to net remarketing gains of $24 million and $129 million for the three months and nine months ended September 30, 2024. These gains and losses are included in depreciation expense on operating lease assets in our Condensed Consolidated Statement of Comprehensive Income. Refer to Note 9 for additional information.

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- Definition The entire disclosure of revenue from contract with customer to transfer good or service and to transfer nonfinancial asset. Includes, but is not limited to, disaggregation of revenue, credit loss recognized from contract with customer, judgment and change in judgment related to contract with customer, and asset recognized from cost incurred to obtain or fulfill contract with customer. Excludes insurance and lease contracts. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 606 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 7 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479806/606-10-50-7 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 606 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 9 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479806/606-10-50-9 Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Topic 606 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 10 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479806/606-10-50-10 Reference 4: http://www.xbrl.org/2003/role/disclosureRef -Topic 606 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 15 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479806/606-10-50-15 Reference 5: http://www.xbrl.org/2003/role/disclosureRef -Topic 606 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 12 -Subparagraph (a) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479806/606-10-50-12 Reference 6: http://www.xbrl.org/2003/role/disclosureRef -Topic 606 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 12 -Subparagraph (b) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479806/606-10-50-12 Reference 7: http://www.xbrl.org/2003/role/disclosureRef -Topic 606 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 12 -Subparagraph (c) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479806/606-10-50-12 Reference 8: http://www.xbrl.org/2003/role/disclosureRef -Topic 606 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 12 -Subparagraph (d) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479806/606-10-50-12 Reference 9: http://www.xbrl.org/2003/role/disclosureRef -Topic 606 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 12 -Subparagraph (e) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479806/606-10-50-12 Reference 10: http://www.xbrl.org/2003/role/disclosureRef -Topic 606 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Subparagraph (b)(2) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479806/606-10-50-13 Reference 11: http://www.xbrl.org/2003/role/disclosureRef -Name Accounting Standards Codification -Topic 606 -Publisher FASB -URI https://asc.fasb.org/606/tableOfContent + Details
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