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Revenue from Contracts with Customers
 3 Months Ended
Mar. 31, 2026
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 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 2025 Annual Report on Form 10-K.
Three months ended March 31, ($ in millions)
Automotive Finance operationsInsurance operationsCorporate Finance operationsCorporate and OtherConsolidated
2026
Revenue from contracts with customers
Noninsurance contracts (a) (b) (c)$— $242 $— $— $242 
Remarketing fee income32 — — — 32 
Brokerage commissions and other revenue— — — 19 19 
Banking fees and interchange income— — — 5 5 
Brokered/agent commissions— 2 — — 2 
Other6 — — 1 7 
Total revenue from contracts with customers38 244 — 25 307 
All other revenue67 98 35 6 206 
Total other revenue (d)$105 $342 $35 $31 $513 
2025
Revenue from contracts with customers
Noninsurance contracts (a) (b) (c)$— $241 $— $— $241 
Remarketing fee income31 — — — 31 
Brokerage commissions and other revenue— — — 20 20 
Banking fees and interchange income (e)— — — 19 19 
Brokered/agent commissions— 5 — — 5 
Other5 1 — 1 7 
Total revenue from contracts with customers36 247 — 40 323 
All other revenue61 117 29 (467)(260)
Total other revenue (d)$97 $364 $29 $(427)$63 
(a)We had opening balances of $3.0 billion in unearned revenue associated with outstanding contracts at both January 1, 2026, and 2025, and $239 million and $238 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 March 31, 2026, and 2025, respectively.
(b)At March 31, 2026, we had unearned revenue of $3.0 billion associated with outstanding contracts, and with respect to this balance we expect to recognize revenue of $653 million during the remainder of 2026, $751 million in 2027, $599 million in 2028, $440 million in 2029, and $544 million thereafter. At March 31, 2025, we had unearned revenue of $3.0 billion associated with outstanding contracts.
(c)We had deferred insurance assets of $1.8 billion at both March 31, 2026, and December 31, 2025, and recognized $138 million of expense during the three months ended March 31, 2026. 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.
(d)Represents a component of total net revenue. Refer to Note 22 for further information on our reportable operating segments.
(e)Interchange income is reported net of customer rewards related to Ally Credit Card. Customer rewards expense was $6 million for the three months ended March 31, 2025. We closed the sale of Ally Credit Card on April 1, 2025. Refer to Note 2 to the Consolidated Financial Statements in our 2025 Annual Report on Form 10-K for additional information.
In addition to the components of other revenue presented above, as part of our Automotive Finance operations, we recognized net remarketing losses on the sale of off-lease vehicles of $10 million and $19 million for the three months ended March 31, 2026, and 2025, respectively. These losses are included in depreciation expense on operating lease assets in our Condensed Consolidated Statement of Comprehensive Income. Refer to Note 8 for additional information.