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UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 10-Q
QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d)
OF THE SECURITIES EXCHANGE ACT OF 1934
For the quarterly period ended March 31, 2024, or
TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d)
OF THE SECURITIES EXCHANGE ACT OF 1934
For the transition period from                          to                         
Commission file number: 1-3754
Ally Financial Inc.
(Exact name of registrant as specified in its charter)
Delaware 38-0572512
(State or other jurisdiction of
incorporation or organization)
 (I.R.S. Employer
Identification No.)
Ally Detroit Center
500 Woodward Avenue, Floor 10
Detroit, Michigan 48226
(Address of principal executive offices)
(Zip Code)
(866710-4623
(Registrant’s telephone number, including area code)
Securities registered pursuant to Section 12(b) of the Act:
Title of each classTrading SymbolsName of each exchange on which registered
Common Stock, par value $0.01 per shareALLYNYSE
Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.                    Yes                     No
Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).                            Yes                     No
Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act.
Large accelerated filer
Accelerated filerNon-accelerated filer
Smaller reporting company
Emerging growth company
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.
Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).
Yes                     No
At May 2, 2024, the number of shares outstanding of the Registrant’s common stock was 303,981,222 shares.
1

Index
Ally Financial Inc. • Form 10-Q
Page
Item 1.
Item 2.
Item 3.
Item 4.
Item 1.
Item 1A.
Item 2.
Item 3.
Item 4.
Item 5.
Item 6.
2

Index of Defined Terms
Ally Financial Inc. • Form 10-Q

Glossary of Abbreviations and Acronyms
The following is a list of abbreviations and acronyms that are used in this Quarterly Report on Form 10-Q.
TermDefinition
ALCOAsset-Liability Committee
ALMAsset Liability Management
AOCIAccumulated other comprehensive income
ASCAccounting Standards Codification
ASUAccounting Standards Update
Basel CommitteeBasel Committee on Banking Supervision
BHCBank holding company
BHC ActBank Holding Company Act of 1956, as amended
BMCBetter Mortgage Company
BoardAlly Board of Directors
BTFPBank Term Funding Program
CDCertificate of deposit
CECLAccounting Standards Update 2016-13 (and related Accounting Standards Updates), or current expected credit loss
CODMChief Operating Decision Maker
COHCorporate overhead
CRACommunity Reinvestment Act of 1977, as amended
CSGCommercial Services Group
CVACredit valuation adjustment
DIFDeposit Insurance Fund
Dodd-Frank ActDodd-Frank Wall Street Reform and Consumer Protection Act of 2010, as amended
DVADebit valuation adjustment
EGRRCP ActEconomic Growth, Regulatory Relief, and Consumer Protection Act, as amended
ERMCEnterprise Risk Management Committee
ESGEnvironmental, social, and governance
ETFExchange-traded fund
Exchange ActSecurities Exchange Act of 1934, as amended
F&IFinance and insurance
FASBFinancial Accounting Standards Board
FDI ActFederal Deposit Insurance Act, as amended
FDICFederal Deposit Insurance Corporation
FDICIAFederal Deposit Insurance Corporation Improvement Act of 1991, as amended
FHCFinancial holding company
FHLBFederal Home Loan Bank
FRBFederal Reserve Bank, or Board of Governors of the Federal Reserve System, as the context requires
FTPFunds-transfer pricing
GAPGuaranteed asset protection
GDPGross domestic product of the United States of America
GLB ActGramm-Leach-Bliley Act of 1999, as amended
GMGeneral Motors Company
HTCHistoric tax credit
IB FinanceIB Finance Holding Company, LLC
IDIInsured Depository Institution
IRAIndividual retirement account
LCRLiquidity coverage ratio
3

Index of Defined Terms
Ally Financial Inc. • Form 10-Q

TermDefinition
LGDLoss given default
LIHTCLow-income housing tax credit
LMILow-to-moderate income
LTVLoan-to-value
MD&AManagement’s Discussion and Analysis of Financial Condition and Results of Operations
NMTCNew market tax credit
NYSENew York Stock Exchange
OCIOther comprehensive income
OEMAutomotive original equipment manufacturer
OTCOver-the-counter
P&CProperty and casualty
PCAPrompt corrective action
RCRisk Committee of the Ally Board of Directors
ROURight-of-use
RVRecreational vehicle
RWARisk-weighted asset
SECU.S. Securities and Exchange Commission
SignatureSignature Bank
SPESpecial-purpose entity
StellantisStellantis N.V.
SVBSilicon Valley Bank
Tailoring RulesThe rules implementing Title IV of the EGRRCP Act
TCFDTask Force on Climate-related Financial Disclosures
TLACTotal loss-absorbing capacity
UPBUnpaid principal balance
U.S. Basel IIIThe rules implementing the 2010 Basel III capital framework in the United States as well as related provisions of the Dodd-Frank Act, as amended from time to time
U.S. GAAPAccounting Principles Generally Accepted in the United States of America
VIEVariable interest entity
VMCVehicle maintenance contract
VSCVehicle service contract
WACWeighted-average coupon
wSTWFWeighted short-term wholesale funding
4

PART I — FINANCIAL INFORMATION
Item 1. Financial Statements
Condensed Consolidated Statement of Comprehensive (Loss) Income (unaudited)
Ally Financial Inc. • Form 10-Q


Three months ended March 31,
($ in millions)20242023
Financing revenue and other interest income
Interest and fees on finance receivables and loans
$2,827 $2,575 
Interest on loans held-for-sale
36 15 
Interest and dividends on investment securities and other earning assets
266 238 
Interest on cash and cash equivalents
97 56 
Operating leases
356 402 
Total financing revenue and other interest income
3,582 3,286 
Interest expense
Interest on deposits
1,651 1,217 
Interest on short-term borrowings
23 12 
Interest on long-term debt248 227 
Interest on other 2 
Total interest expense
1,922 1,458 
Net depreciation expense on operating lease assets
204 226 
Net financing revenue and other interest income
1,456 1,602 
Other revenue
Insurance premiums and service revenue earned
345 306 
Gain on mortgage and automotive loans, net6 4 
Other gain on investments, net29 74 
Other income, net of losses
150 114 
Total other revenue
530 498 
Total net revenue
1,986 2,100 
Provision for credit losses
507 446 
Noninterest expense
Compensation and benefits expense
519 537 
Insurance losses and loss adjustment expenses
112 88 
Other operating expenses
677 641 
Total noninterest expense
1,308 1,266 
Income from continuing operations before income tax expense171 388 
Income tax expense from continuing operations14 68 
Net income from continuing operations157 320 
Loss from discontinued operations, net of tax (1)
Net income$157 $319 
Other comprehensive (loss) income, net of tax(173)283 
Comprehensive (loss) income$(16)$602 
Statement continues on the next page.
The Notes to the Condensed Consolidated Financial Statements (unaudited) are an integral part of these statements.
5

Condensed Consolidated Statement of Comprehensive (Loss) Income (unaudited)
Ally Financial Inc. • Form 10-Q
Three months ended March 31,
($ in millions, except per share data; shares in thousands) (a)
20242023
Net income from continuing operations attributable to common stockholders$129 $292 
Loss from discontinued operations, net of tax (1)
Net income attributable to common stockholders$129 $291 
Basic weighted-average common shares outstanding (b)306,003 302,657 
Diluted weighted-average common shares outstanding (b)308,421 303,448 
Basic earnings per common share
Net income from continuing operations$0.42 $0.97 
Net income$0.42 $0.96 
Diluted earnings per common share
Net income from continuing operations$0.42 $0.96 
Net income$0.42 $0.96 
Cash dividends declared per common share$0.30 $0.30 
(a)Figures in the table may not recalculate exactly due to rounding. Earnings per share is calculated based on unrounded numbers.
(b)Includes shares related to share-based compensation that vested but were not yet issued.
Refer to Note 17 for additional earnings per share information. The Notes to the Condensed Consolidated Financial Statements (unaudited) are an integral part of these statements.
6

Condensed Consolidated Balance Sheet (unaudited)
Ally Financial Inc. • Form 10-Q
($ in millions, except share data)March 31, 2024December 31, 2023
Assets
Cash and cash equivalents
Noninterest-bearing
$589 $638 
Interest-bearing
7,564 6,307 
Total cash and cash equivalents8,153 6,945 
Equity securities
788 810 
Available-for-sale securities (amortized cost of $28,114 and $28,416)
23,684 24,415 
Held-to-maturity securities (fair value of $4,633 and $4,729)
4,655 4,680 
Loans held-for-sale, net
358 400 
Finance receivables and loans, net
Finance receivables and loans, net of unearned income
137,960 139,439 
Allowance for loan losses
(3,550)(3,587)
Total finance receivables and loans, net
134,410 135,852 
Investment in operating leases, net
8,731 9,171 
Premiums receivable and other insurance assets
2,750 2,749 
Other assets
9,348 9,395 
Assets of operations held-for-sale 1,975 
Total assets
$192,877 $196,392 
Liabilities
Deposit liabilities
Noninterest-bearing
$137 $139 
Interest-bearing
154,947 154,527 
Total deposit liabilities
155,084 154,666 
Short-term borrowings
 3,297 
Long-term debt
17,011 17,570 
Interest payable
1,118 858 
Unearned insurance premiums and service revenue
3,480 3,492 
Accrued expenses and other liabilities
2,527 2,726 
Liabilities of operations held-for-sale 17 
Total liabilities
179,220 182,626 
Contingencies (refer to Note 24)
Equity
 
Common stock and paid-in capital ($0.01 par value, shares authorized 1,100,000,000; issued 514,161,006 and 511,861,447; and outstanding 303,977,972 and 302,459,258)
22,034 21,975 
Preferred stock2,324 2,324 
Retained earnings188 154 
Accumulated other comprehensive loss(3,989)(3,816)
Treasury stock, at cost (210,183,034 and 209,402,189 shares)
(6,900)(6,871)
Total equity
13,657 13,766 
Total liabilities and equity
$192,877 $196,392 
Statement continues on the next page.
The Notes to the Condensed Consolidated Financial Statements (unaudited) are an integral part of these statements.
7

Condensed Consolidated Balance Sheet (unaudited)
Ally Financial Inc. • Form 10-Q
The assets of consolidated variable interest entities that can be used only to settle obligations of the consolidated variable interest entities and the liabilities of these entities for which creditors (or beneficial interest holders) do not have recourse to our general credit were as follows.
($ in millions)March 31, 2024December 31, 2023
Assets
Finance receivables and loans, net
Consumer automotive$5,964 $6,868 
Allowance for loan losses(220)(254)
Total finance receivables and loans, net5,744 6,614 
Other assets445 461 
Total assets$6,189 $7,075 
Liabilities
Long-term debt
$1,313 $1,509 
Accrued expenses and other liabilities5 4 
Total liabilities$1,318 $1,513 
The Notes to the Condensed Consolidated Financial Statements (unaudited) are an integral part of these statements.
8

Condensed Consolidated Statement of Changes in Equity (unaudited)
Ally Financial Inc. • Form 10-Q
($ in millions)Common stock and paid-in capitalPreferred stockRetained earnings (accumulated deficit)Accumulated other comprehensive lossTreasury stockTotal equity
Balance at January 1, 2023$21,816 $2,324 $(384)$(4,059)$(6,838)$12,859 
Net income319 319 
Preferred stock dividends — Series B(16)(16)
Preferred stock dividends — Series C(12)(12)
Share-based compensation64 64 
Other comprehensive income283 283 
Common stock repurchases(27)(27)
Common stock dividends ($0.30 per share)
(92)(92)
Balance at March 31, 2023$21,880 $2,324 $(185)$(3,776)$(6,865)$13,378 
Balance at December 31, 2023$21,975 $2,324 $154 $(3,816)$(6,871)$13,766 
Cumulative effect of changes in accounting principles, net of tax (a)
Adoption of Accounting Standards Update 2023-02(2)(2)
Balance at January 1, 2024$21,975 $2,324 $152 $(