{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-23-189215","form_type":"8-K","ticker":"ALLY","cik":"0000040729","company_name":"Ally Financial Inc.","filed_at":"2023-07-19T23:59:59+00:00","discovered_at":"2026-05-14T18:03:36.349085+00:00","generated_at":"2026-06-13T06:37:37.054774+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 Financial Q2 2023 GAAP EPS $0.99, net income down 34% YoY; deposits grow $500M QoQ","bullets":["GAAP net income to common shareholders $301M ($0.99/share), down 34% YoY; adjusted EPS $0.96, down 46% YoY.","Total net revenue $2.08B flat YoY; core pre-tax income $390M, down 41% YoY from $570M.","Retail auto originations $10.4B on 3.5M apps; annualized net charge-offs 132bps.","Retail deposits up $0.5B QoQ to $154.3B total; FDIC insured 92%, total liquidity $42.5B.","CET1 ratio 9.3%; $3.7B capital above regulatory minimum and SCB."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-23-189215","json":"https://secwatch.observer/filing/0001193125-23-189215.json","markdown":"https://secwatch.observer/filing/0001193125-23-189215.md","text":"https://secwatch.observer/filing/0001193125-23-189215.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/40729/000119312523189215/0001193125-23-189215-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/40729/000119312523189215/d508671d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-13T06:37:37.054774+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":[{"claim_id":"d9ff0e073ca8495f5671590116669d1f5cb61a52","claim":"Ally Financial Inc. reported second quarter ended June 30, 2023 results: revenue $2.08 billion, net income $403 million, EPS $0.99.","evidence_excerpt":"99.3. --- EX-99.1 (EX-99.1) --- EX-99.1 Exhibit 99.1 News release: IMMEDIATE RELEASE Ally Financial Reports Second Quarter 2023 Financial Results $0.99 10.8% $403 million $2.08 billion GAAP EPS RETURN ON COMMON EQUITY PRE-TAX INCOME GAAP TOTAL NET REVENUE $0.96 13.9% $390 million $2.07 billion ADJUSTED EPS 1 CORE ROTCE 1 CORE PRE-TAX INCOME 1 ADJUSTED TOTAL NET","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/40729/000119312523189215/0001193125-23-189215-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"second quarter ended June 30, 2023"},{"label":"Revenue","value":"$2.08 billion"},{"label":"Net income","value":"$403 million"},{"label":"EPS","value":"$0.99"},{"label":"Result","value":"preliminary results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}