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Revenue from Contracts with Customers (Tables) | 9 Months Ended
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Sep. 30, 2025
Revenue from Contract with Customer [Abstract] |
Schedule of Disaggregation of Revenue | 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.

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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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