---
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"
generated_at: "2026-06-23T02:47:06.945669+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Ally Q3 GAAP EPS $0.88, down 54% YoY; core EPS $1.12, down 48% YoY

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-22-264901
- JSON: https://secwatch.observer/filing/0001193125-22-264901.json
- Plain text: https://secwatch.observer/filing/0001193125-22-264901.txt

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