---
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"
generated_at: "2026-06-24T12:42:15.422817+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Ally Q2 GAAP EPS $1.40 (-42% YoY); net revenue $2.08B; auto originations $13.3B

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-22-196619
- JSON: https://secwatch.observer/filing/0001193125-22-196619.json
- Plain text: https://secwatch.observer/filing/0001193125-22-196619.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.