{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-22-196619","form_type":"8-K","ticker":"ALLY","cik":"0000040729","company_name":"Ally Financial Inc.","filed_at":"2022-07-19T23:59:59+00:00","discovered_at":"2026-05-14T18:03:57.844284+00:00","generated_at":"2026-06-24T12:42:15.422817+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Ally Q2 GAAP EPS $1.40 (-42% YoY); net revenue $2.08B; auto originations $13.3B","bullets":["GAAP net income $454M ($1.40 EPS), down 50% YoY; adjusted EPS $1.76 (-24% YoY).","GAAP total net revenue $2.08B (flat YoY); net interest margin >4% for first time.","Consumer auto originations $13.3B from 3.3M applications, highest quarterly since 2006; retail net charge-offs 54 bps.","Ally Credit Card balances $1.2B (+93% YoY); retail deposit customers 2.5M (+6% YoY).","Completed $600M share repurchases in Q2; announced Q3 dividend of $0.30/share."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-22-196619","json":"https://secwatch.observer/filing/0001193125-22-196619.json","markdown":"https://secwatch.observer/filing/0001193125-22-196619.md","text":"https://secwatch.observer/filing/0001193125-22-196619.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/40729/000119312522196619/0001193125-22-196619-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/40729/000119312522196619/d370965d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-24T12:42:15.422817+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}