Regulatory Capital and Other Regulatory Matters (Tables)

3 Months Ended

Mar. 31, 2026

Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]

Schedule of Regulatory Capital Amount and Ratios

The following table summarizes our capital ratios under U.S. Basel III.


	March 31, 2026				December 31, 2025				Required minimum (a)		Well-capitalized minimum
($ in millions)	Amount		Ratio		Amount		Ratio
Capital ratios
Common Equity Tier 1 (to risk-weighted assets)
Ally Financial Inc.	$	15,695	10.11	%	$	15,629	10.23	%	4.50	%	(b)
Ally Bank	17,914		12.38		17,853		12.50		4.50		6.50	%
Tier 1 (to risk-weighted assets)
Ally Financial Inc.	$	17,934	11.56	%	$	17,885	11.70	%	6.00	%	6.00	%
Ally Bank	17,914		12.38		17,853		12.50		6.00		8.00
Total (to risk-weighted assets)
Ally Financial Inc.	$	20,793	13.40	%	$	20,731	13.56	%	8.00	%	10.00	%
Ally Bank	19,744		13.65		19,659		13.77		8.00		10.00
Tier 1 leverage (to adjusted quarterly average assets) (c)
Ally Financial Inc.	$	17,934	9.16	%	$	17,885	9.25	%	4.00	%	(b)
Ally Bank	17,914		9.72		17,853		9.82		4.00		5.00	%

(a)In addition to the minimum risk-based capital requirements for the Common Equity Tier 1 capital, Tier 1 capital, and total capital ratios, Ally was subject to a minimum capital conservation buffer of 2.6% at both March 31, 2026, and December 31, 2025, and Ally Bank was subject to a minimum capital conservation buffer of 2.5% at both March 31, 2026, and December 31, 2025.

(b)Currently, there is no ratio component for determining whether a BHC is “well-capitalized.”

(c)Federal regulatory reporting guidelines require the calculation of adjusted quarterly average assets using a daily average methodology.

Schedule of Common Share Distribution Activity

The following table presents information related to our common stock and distributions to our common shareholders.


	Common stock repurchased during period (a)			Number of common shares outstanding		Cash dividends declared per common share (b)
($ in millions, except per share data; shares in thousands)	Approximate dollar value		Number of shares	Beginning of period	End of period
2025
First quarter	$	34	877	305,388	307,152	$	0.30
Second quarter	1		27	307,152	307,787	0.30
Third quarter	1		25	307,787	307,828	0.30
Fourth quarter	23		543	307,828	308,493	0.30
2026
First quarter	$	147	3,624	308,493	307,408	$	0.30

(a)Includes shares of common stock withheld to cover income taxes owed by participants in our share-based incentive plans.

(b)On April 14, 2026, our Board declared a quarterly cash dividend of $0.30 per share on all common stock payable on May 15, 2026, to shareholders of record at the close of business on May 1, 2026.