Cover	12 Months Ended
Cover	Dec. 31, 2024
Document Information [Line Items]
Document Type	DEF 14A
Amendment Flag	false
Entity Information [Line Items]
Entity Registrant Name	Ally Financial Inc.
Entity Central Index Key	0000040729

Pay vs Performance Disclosure

12 Months Ended

Dec. 31, 2024

USD ($)

Dec. 31, 2023

USD ($)

Dec. 31, 2022

USD ($)

Dec. 31, 2021

USD ($)

Dec. 31, 2020

USD ($)

Pay vs Performance Disclosure

Pay vs Performance Disclosure, Table

Pay Versus Performance

As required by Section 953(a) of the Dodd-Frank Wall Street Reform and Consumer Protection Act and Item 402(v) of Regulation

S-K,

we are providing the following information about the relationship between executive compensation actually paid (as defined by SEC rules) (

CAP

) and certain financial performance measures of the Company. For further information about how we align executive compensation with the Company’s performance, refer to

Compensation Discussion and Analysis

earlier in this proxy statement. The amounts in the table below are calculated in accordance with SEC rules and do not represent amounts actually earned or realized by our NEOs, including with respect to RSUs and PSUs. Refer to the

Other Compensation Tables

earlier in this proxy statement for more information.

The following table sets forth the compensation for our PEO and the average compensation for our other NEOs, each as reported in the Summary Compensation Table (

SCT

) and with certain adjustments to reflect CAP. The table also provides information with respect to cumulative TSR, peer group cumulative TSR, net income, and the Company’s selected performance measure, Core ROTCE.


Year	Summary Compen sation Table Total for PEO 1 (a)		Compen sation Actually Paid to PEO 1 (b)		Summary Compen sation Table Total for PEO 2 (a)		Compen sation Actually Paid to PEO 2 (b)		Summary Compen sation Table Total for PEO 3 (a)		Compen sation Actually Paid to PEO 3 (b)		Average Compen sation Summary Table Total for Non-PEO Named Executive Officers (a)		Average Compen sation Actually Paid to Non-PEO Named Executive Officers (b)		Value of Initial Fixed $100 Investment Based On:			Net Income ($ in billions) (e)		Core ROTCE (f)
Year	Summary Compen sation Table Total for PEO 1 (a)		Compen sation Actually Paid to PEO 1 (b)		Summary Compen sation Table Total for PEO 2 (a)		Compen sation Actually Paid to PEO 2 (b)		Summary Compen sation Table Total for PEO 3 (a)		Compen sation Actually Paid to PEO 3 (b)							Total Shareholder Return ($) (c)	Peer Group Total Shareholder Return ($) (d)	Net Income ($ in billions) (e)		Core ROTCE (f)

2024		20,940,509		20,251,281		4,604,901		21,339,020		8,294,398		22,304,323		4,308,965		7,556,047		138	173		0.7		8.5	%

2023		—		—		—		—		13,394,384		18,920,463		6,163,491		8,414,382		130	133		1.0		11.5	%

2022		—		—		—		—		14,439,223		4,257,400		4,163,136		1,912,795		87	118		1.7		20.5	%

2021		—		—		—		—		15,545,746		21,790,378		4,555,956		6,064,788		164	132		3.1		24.3	%

2020		—		—				—		11,622,074		15,378,775		3,386,884		4,217,807		121	98		1.1		9.1	%

(a) Compensation for our 2024 PEOs, Mr. Rhodes (PEO 1), Mr. Timmerman (PEO 2), and Mr. J. Brown (PEO 3), reflect the amounts reported in the SCT for each respective year. Mr. Rhodes served as our PEO April 29, 2024—December 31, 2024. Mr. Timmerman served as our PEO from February 1, 2024—April 28, 2024. Mr. J. Brown (our former Chief Executive Officer) served as our PEO from January 1, 2024—January 31, 2024, and the entirety of 2023, 2022, 2021, and 2020. Average compensation for our other NEOs in 2024 includes the following individuals: Mr. Hutchinson, Ms. Mehlman, Ms. Richard, Ms. Patterson, Ms. Morais (our former President, Consumer & Commercial Banking), and Mr. Schugel. Average compensation for our other NEOs in 2023 includes the following individuals: Ms. Morais, Mr. Timmerman, Mr. Hutchinson, Mr. Schugel, Mr. B. Brown and Mr. Stengel (our former Chief Legal Officer). Average compensation for our other NEOs in 2022 includes the following individuals: Ms. Morais, Mr. Timmerman, Mr. B. Brown, Mr. Stengel, and Ms. LaClair (our former Chief Financial Officer). Average compensation for our other NEOs in 2020 and 2021 includes the following individuals: Ms. Morais, Mr. Timmerman, Mr. Stengel, and Ms. LaClair.

(b) Reflects CAP for the PEO and average CAP for our other NEOs, respectively, calculated as set forth in the table below in accordance with SEC rules. These amounts do not reflect the actual amount of compensation earned by or paid to the PEO and other NEOs during the applicable year. For information regarding the compensation decisions made by the CNGC for 2024, refer to

Compensation Discussion and Analysis

earlier in this proxy statement.


	PEO 1 2024		PEO 2 2024		PEO 3 2024		Other NEOs 2024		PEO 2023		Other NEOs 2023		PEO 2022			Other NEOs 2022			PEO 2021		Other NEOs 2021		PEO 2020		Other NEOs 2020

Total Compensation as Reported in SCT		20,940,509		4,604,901		8,294,398		4,308,965		13,394,384		6,163,491		14,439,223			4,163,136			15,545,746		4,555,956		11,622,074		3,386,884

Less Stock Award Value Reported in Summary Compensation Table for the Covered Year		16,200,061		2,313,780		8,125,017		1,974,300		7,965,789		4,248,576		9,104,715			2,106,717			9,599,579		2,315,564		6,903,212		1,671,955

Plus Fiscal Year-End Fair Value for Awards Granted in the Covered Year and that were Outstanding and Unvested as of the End of the Covered Fiscal Year		11,218,699		2,177,741		7,647,876		1,899,281		8,430,142		5,625,619		4,663,153			1,081,707			8,259,859		1,992,621		7,753,340		1,866,899

Change in Fair Value of Outstanding Unvested Awards from Prior Years that were Outstanding as of the End of the Covered Fiscal Year		—		16,271,458		13,834,133		3,115,190		2,703,535		351,898		(6,776,222	)		(1,443,688	)		5,974,406		1,482,603		1,773,979		380,106

Change as of the Vesting Date in Fair Value of Awards from Prior Years that Vested in the Covered Fiscal Year		—		81,783		262,462		62,552		1,599,348		259,425		225,458			46,160			741,708		154,065		375,912		69,224

Plus Dividends Accumulated on Awards in the Covered Year Prior to the Vesting Date that are not Otherwise Included in Total Compensation for the Covered Year		367,723		481,709		267,377		127,682		627,599		242,206		639,278			141,698			689,786		171,000		756,682		182,676

Plus Fair Value as of the Vesting Date for Awards Granted and Vested in the Covered Year		3,924,411		35,209		123,095		16,677		131,243		20,318		171,225			30,499			178,452		24,107		—		3,973

Compensation Actually Paid		20,251,281		21,339,020		22,304,323		7,556,047		18,920,463		8,414,382		4,257,400			1,912,795			21,790,378		6,064,788		15,378,775		4,217,807

(c) TSR is cumulative for the measurement periods beginning on December 31, 2019, and ending on December 31 of each of 2020, 2021, 2022, 2023, and 2024 respectively, calculated in accordance with Item 201(e) of Regulation

S-K.

(d) Represents cumulative TSR for the S&P Financials Index.

(e) Reflects GAAP net income as reported in the Company’s Consolidated Statement of Income in its 2020, 2021, 2022, 2023, and 2024 Annual Reports on Form

10-K.

(f) This is a

non-GAAP

financial measure. Refer to

Appendix A

for applicable definitions and reconciliations.

Company Selected Measure Name

Core ROTCE

Named Executive Officers, Footnote

Average compensation for our other NEOs in 2024 includes the following individuals: Mr. Hutchinson, Ms. Mehlman, Ms. Richard, Ms. Patterson, Ms. Morais (our former President, Consumer & Commercial Banking), and Mr. Schugel. Average compensation for our other NEOs in 2023 includes the following individuals: Ms. Morais, Mr. Timmerman, Mr. Hutchinson, Mr. Schugel, Mr. B. Brown and Mr. Stengel (our former Chief Legal Officer). Average compensation for our other NEOs in 2022 includes the following individuals: Ms. Morais, Mr. Timmerman, Mr. B. Brown, Mr. Stengel, and Ms. LaClair (our former Chief Financial Officer). Average compensation for our other NEOs in 2020 and 2021 includes the following individuals: Ms. Morais, Mr. Timmerman, Mr. Stengel, and Ms. LaClair.

Peer Group Issuers, Footnote

(d) Represents cumulative TSR for the S&P Financials Index.

PEO Total Compensation Amount

$ 13,394,384

$ 14,439,223

$ 15,545,746

$ 11,622,074

PEO Actually Paid Compensation Amount

18,920,463

4,257,400

21,790,378

15,378,775

Adjustment To PEO Compensation, Footnote

Compensation Discussion and Analysis

earlier in this proxy statement.


	PEO 1 2024		PEO 2 2024		PEO 3 2024		Other NEOs 2024		PEO 2023		Other NEOs 2023		PEO 2022			Other NEOs 2022			PEO 2021		Other NEOs 2021		PEO 2020		Other NEOs 2020

Total Compensation as Reported in SCT		20,940,509		4,604,901		8,294,398		4,308,965		13,394,384		6,163,491		14,439,223			4,163,136			15,545,746		4,555,956		11,622,074		3,386,884

Less Stock Award Value Reported in Summary Compensation Table for the Covered Year		16,200,061		2,313,780		8,125,017		1,974,300		7,965,789		4,248,576		9,104,715			2,106,717			9,599,579		2,315,564		6,903,212		1,671,955

Plus Fiscal Year-End Fair Value for Awards Granted in the Covered Year and that were Outstanding and Unvested as of the End of the Covered Fiscal Year		11,218,699		2,177,741		7,647,876		1,899,281		8,430,142		5,625,619		4,663,153			1,081,707			8,259,859		1,992,621		7,753,340		1,866,899

Change in Fair Value of Outstanding Unvested Awards from Prior Years that were Outstanding as of the End of the Covered Fiscal Year		—		16,271,458		13,834,133		3,115,190		2,703,535		351,898		(6,776,222	)		(1,443,688	)		5,974,406		1,482,603		1,773,979		380,106

Change as of the Vesting Date in Fair Value of Awards from Prior Years that Vested in the Covered Fiscal Year		—		81,783		262,462		62,552		1,599,348		259,425		225,458			46,160			741,708		154,065		375,912		69,224

Plus Dividends Accumulated on Awards in the Covered Year Prior to the Vesting Date that are not Otherwise Included in Total Compensation for the Covered Year		367,723		481,709		267,377		127,682		627,599		242,206		639,278			141,698			689,786		171,000		756,682		182,676

Plus Fair Value as of the Vesting Date for Awards Granted and Vested in the Covered Year		3,924,411		35,209		123,095		16,677		131,243		20,318		171,225			30,499			178,452		24,107		—		3,973

Compensation Actually Paid		20,251,281		21,339,020		22,304,323		7,556,047		18,920,463		8,414,382		4,257,400			1,912,795			21,790,378		6,064,788		15,378,775		4,217,807

Non-PEO NEO Average Total Compensation Amount

$ 4,308,965

6,163,491

4,163,136

4,555,956

3,386,884

Non-PEO NEO Average Compensation Actually Paid Amount

$ 7,556,047

8,414,382

1,912,795

6,064,788

4,217,807

Adjustment to Non-PEO NEO Compensation Footnote

Compensation Discussion and Analysis

earlier in this proxy statement.


	PEO 1 2024		PEO 2 2024		PEO 3 2024		Other NEOs 2024		PEO 2023		Other NEOs 2023		PEO 2022			Other NEOs 2022			PEO 2021		Other NEOs 2021		PEO 2020		Other NEOs 2020

Total Compensation as Reported in SCT		20,940,509		4,604,901		8,294,398		4,308,965		13,394,384		6,163,491		14,439,223			4,163,136			15,545,746		4,555,956		11,622,074		3,386,884

Less Stock Award Value Reported in Summary Compensation Table for the Covered Year		16,200,061		2,313,780		8,125,017		1,974,300		7,965,789		4,248,576		9,104,715			2,106,717			9,599,579		2,315,564		6,903,212		1,671,955

Plus Fiscal Year-End Fair Value for Awards Granted in the Covered Year and that were Outstanding and Unvested as of the End of the Covered Fiscal Year		11,218,699		2,177,741		7,647,876		1,899,281		8,430,142		5,625,619		4,663,153			1,081,707			8,259,859		1,992,621		7,753,340		1,866,899

Change in Fair Value of Outstanding Unvested Awards from Prior Years that were Outstanding as of the End of the Covered Fiscal Year		—		16,271,458		13,834,133		3,115,190		2,703,535		351,898		(6,776,222	)		(1,443,688	)		5,974,406		1,482,603		1,773,979		380,106

Change as of the Vesting Date in Fair Value of Awards from Prior Years that Vested in the Covered Fiscal Year		—		81,783		262,462		62,552		1,599,348		259,425		225,458			46,160			741,708		154,065		375,912		69,224

Plus Dividends Accumulated on Awards in the Covered Year Prior to the Vesting Date that are not Otherwise Included in Total Compensation for the Covered Year		367,723		481,709		267,377		127,682		627,599		242,206		639,278			141,698			689,786		171,000		756,682		182,676

Plus Fair Value as of the Vesting Date for Awards Granted and Vested in the Covered Year		3,924,411		35,209		123,095		16,677		131,243		20,318		171,225			30,499			178,452		24,107		—		3,973

Compensation Actually Paid		20,251,281		21,339,020		22,304,323		7,556,047		18,920,463		8,414,382		4,257,400			1,912,795			21,790,378		6,064,788		15,378,775		4,217,807

Compensation Actually Paid vs. Total Shareholder Return

Compensation Actually Paid vs. Net Income

Compensation Actually Paid vs. Company Selected Measure

Total Shareholder Return Vs Peer Group

Tabular List, Table

Financial Performance Measures

The

following

table sets forth an unranked list of performance measures that we view as the “most important” financial performance measures that we use for linking CAP to our NEOs performance for the most recently completed fiscal year.

Performance Measures

Core ROTCE

Total Shareholder Value

Adjusted Earnings Per Share

Total Adjusted Revenue

Core

Pre-Tax

Income

Net Interest Margin

Consolidated Net Charge Offs

Total Shareholder Return Amount

$ 138