Ally Financial Inc. 10-Q filed Nov 2, 2026

Modified · Primary Business Lines

provide expanded access to credit for consumers and improve sales at their dealership. Through our pass-through programs, we are able to monetize our declined applications by generating a combination of acquisition fee and servicing revenue for loans that are originated, sold to, and serviced on behalf of third-party lenders, or one-time acquisition fees for loans funded and serviced by a third party. Our strong and expansive dealer relationships, comprehensive suite of products and services, full spectrum financing, and depth of experience position us to adapt as vehicle technologies and consumer preferences evolve. We have provided and continue to provide automobile financing for battery electric and, to a lesser extent, plug-in hybrid vehicles, including brands such as Tesla, Jeep, Alfa Romeo, and Chevrolet. While we expect most of these vehicles to continue to be sold through dealerships and automotive retailers with whom we have established relationships, we also partner with automotive manufacturers that use a direct-to-consumer model. During the sixnine months ended JuneSeptember 30, 2026, $1.62.5 billion of our consumer automotive retail loan originations and purchases, and $6970 million of our operating lease originations and purchases, were for battery-electric and plug-in hybrid vehicles. As of JuneSeptember 30, 2026, $3.94.5 billion of our consumer automotive finance receivables and loans had battery-electric or plug-in hybrid vehicles as the underlying collateral, and $3.83.6 billion of our investment in operating leases, net of accumulated depreciation, were battery-electric or plug-in hybrid vehicles. Substantially all of our investment in operating leases of battery-electric vehicles are covered by OEM residual value guarantees of approximately 50% of the vehicles’ contract residual value.