v3.26.1
Segment Information (Tables)
 6 Months Ended
Jun. 30, 2026
Segment Reporting [Abstract]  
Segment Reporting
Financial information for our reportable operating segments is summarized as follows.
Three months ended June 30, ($ in millions)
Automotive Finance operationsInsurance operationsCorporate Finance operationsCorporate and OtherConsolidated (a)
2026
Net financing revenue and other interest income
Total financing revenue and other interest income$2,763 $51 $252 $399 $3,465 
Total interest expense1,178 13 136 185 1,512 
Net depreciation expense on operating lease assets269 — — — 269 
Net financing revenue and other interest income1,316 38 116 214 1,684 
Other revenue104 449 29 20 602 
Total net revenue1,420 487 145 234 2,286 
Provision for credit losses442 — (12)— 430 
Noninterest expense
Compensation and benefits expense177 30 20 231 458 
Insurance losses and loss adjustment expenses— 208 — — 208 
Other operating expenses
Technology and communications expenses29 4 2 73 108 
Other (b)362 192 13 (22)545 
Total other operating expenses391 196 15 51 653 
Total noninterest expense568 434 35 282 1,319 
Income (loss) from continuing operations before income tax expense (benefit)$410 $53 $122 $(48)$537 
Total assets$121,539 $10,031 $13,893 $54,309 $199,772 
2025
Net financing revenue and other interest income
Total financing revenue and other interest income$2,603 $45 $233 $444 $3,325 
Total interest expense1,093 15 125 360 1,593 
Net depreciation expense on operating lease assets216 — — — 216 
Net financing revenue and other interest income1,294 30 108 84 1,516 
Other revenue97 422 19 28 566 
Total net revenue1,391 452 127 112 2,082 
Provision for credit losses387 — (2)(1)384 
Noninterest expense
Compensation and benefits expense166 26 19 219 430 
Insurance losses and loss adjustment expenses— 203 — — 203 
Other operating expenses
Technology and communications expenses30 4 1 66 101 
Other (b)336 191 13 (12)528 
Total other operating expenses366 195 14 54 629 
Total noninterest expense532 424 33 273 1,262 
Income (loss) from continuing operations before income tax expense (benefit)$472 $28 $96 $(160)$436 
Total assets$111,709 $9,705 $11,040 $57,019 $189,473 
(a)Net financing revenue and other interest income after the provision for credit losses totaled $1.3 billion and $1.1 billion for the three months ended June 30, 2026, and 2025, respectively.
(b)Primarily consists of insurance commissions, advertising and marketing, and property and equipment depreciation expenses. Refer to Note 5 for additional information.
Six months ended June 30, ($ in millions)
Automotive Finance operationsInsurance operationsCorporate Finance operationsCorporate and OtherConsolidated (a)
2026
Net financing revenue and other interest income
Total financing revenue and other interest income$5,450 $100 $495 $794 $6,839 
Total interest expense2,306 26 266 431 3,029 
Net depreciation expense on operating lease assets537 — — — 537 
Net financing revenue and other interest income2,607 74 229 363 3,273 
Other revenue209 791 64 51 1,115 
Total net revenue2,816 865 293 414 4,388 
Provision for credit losses910 — (4)(9)897 
Noninterest expense
Compensation and benefits expense368 62 46 473 949 
Insurance losses and loss adjustment expenses— 329 — — 329 
Other operating expenses
Technology and communications expenses57 8 3 141 209 
Other (b)735 385 32 (85)1,067 
Total other operating expenses792 393 35 56 1,276 
Total noninterest expense1,160 784 81 529 2,554 
Income (loss) from continuing operations before income tax expense (benefit)$746 $81 $216 $(106)$937 
Total assets$121,539 $10,031 $13,893 $54,309 $199,772 
2025
Net financing revenue and other interest income
Total financing revenue and other interest income$5,174 $89 $454 $1,001 $6,718 
Total interest expense2,158 29 242 839 3,268 
Net depreciation expense on operating lease assets456 — — — 456 
Net financing revenue and other interest income2,560 60 212 162 2,994 
Other revenue194 786 48 (399)629 
Total net revenue2,754 846 260 (237)3,623 
Provision for credit losses821 — 12 (258)575 
Noninterest expense
Compensation and benefits expense349 56 44 486 935 
Insurance losses and loss adjustment expenses— 364 — — 364 
Goodwill impairment (c)— — — 305 305 
Other operating expenses
Technology and communications expenses59 9 2 134 204 
Other (b)678 387 30 (7)1,088 
Total other operating expenses737 396 32 127 1,292 
Total noninterest expense1,086 816 76 918 2,896 
Income (loss) from continuing operations before income tax expense (benefit)$847 $30 $172 $(897)$152 
Total assets$111,709 $9,705 $11,040 $57,019 $189,473 
(a)Net financing revenue and other interest income after the provision for credit losses totaled $2.4 billion for both the six months ended June 30, 2026, and 2025, respectively.
(b)Primarily consists of insurance commissions, advertising and marketing, and property and equipment depreciation expenses. Refer to Note 5 for additional information.
(c)Impairment of goodwill related to Ally Credit Card for the six months ended June 30, 2025. Refer to Note 2 to the Consolidated Financial Statements in our 2025 Annual Report on Form 10-K for additional information on Ally Credit Card.