{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-22-264901","form_type":"8-K","ticker":"ALLY","cik":"0000040729","company_name":"Ally Financial Inc.","filed_at":"2022-10-19T23:59:59+00:00","discovered_at":"2026-05-14T18:03:53.203952+00:00","generated_at":"2026-06-23T02:47:06.945669+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Ally Q3 GAAP EPS $0.88, down 54% YoY; core EPS $1.12, down 48% YoY","bullets":["GAAP net income $272M (down 60% YoY); core net income $346M (down 56% YoY).","Pre-provision net revenue $855M GAAP, $948M core; core ROTCE 17.2% vs 24.2% a year ago.","Auto originations $12.3B; retail deposits $133.9B (up $2.7B QoQ); Ally Credit Card balances $1.4B.","EPS impacted by $0.33 impairment on mortgage nonmarketable equity investment and higher provisions for recession risk.","Announced Q4 dividend $0.30/share; completed $415M share repurchases in Q3."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-22-264901","json":"https://secwatch.observer/filing/0001193125-22-264901.json","markdown":"https://secwatch.observer/filing/0001193125-22-264901.md","text":"https://secwatch.observer/filing/0001193125-22-264901.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/40729/000119312522264901/0001193125-22-264901-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/40729/000119312522264901/d389854d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-23T02:47:06.945669+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"}