---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-23-105689"
form_type: "8-K"
ticker: "ALLY"
cik: "0000040729"
company_name: "Ally Financial Inc."
filed_at: "2023-04-19T23:59:59+00:00"
generated_at: "2026-06-16T23:58:29.776908+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Ally Financial Q1 GAAP EPS $0.96, down 48% YoY; adjusted EPS $0.82, down 59%

## Summary
- GAAP net income $291M, down 54% from $627M in Q1 2022; GAAP EPS $0.96 vs $1.86.
- Adjusted EPS $0.82; Core PPNR $781M, down 28% YoY from $1.088B.
- Retail deposits grew $813M with 126k net new customers; total deposits $154B, up $11.5B YoY.
- Consumer auto originations $9.5B; annualized retail auto net charge-offs at 168bps.
- CET1 ratio 9.2%; total available liquidity $43B, 3.6x uninsured deposits.

## SEC filing metadata
- accession: 0001193125-23-105689
- form_type: 8-K
- ticker: ALLY
- cik: 0000040729
- company_name: Ally Financial Inc.
- filed_at: 2023-04-19T23:59:59+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/40729/000119312523105689/0001193125-23-105689-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/40729/000119312523105689/d466942d8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-23-105689
- JSON: https://secwatch.observer/filing/0001193125-23-105689.json
- Plain text: https://secwatch.observer/filing/0001193125-23-105689.txt

## Key facts
- Earnings Releases
  Ally Financial Inc. reported first quarter ended March 31, 2023 results: revenue $2.10 billion, net income $388 million, EPS $0.96.
  - Period: first quarter ended March 31, 2023
  - Revenue: $2.10 billion
  - Net income: $388 million
  - EPS: $0.96
  - Result: reported results
  source text: Ally Financial Reports First Quarter 2023 Financial Results $0.96 10.8% $388 million $2.10 billion GAAP EPS RETURN ON COMMON EQUITY PRE-TAX INCOME GAAP TOTAL NET REVENUE
  evidence_url: https://www.sec.gov/Archives/edgar/data/40729/000119312523105689/0001193125-23-105689-index.htm

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