{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-24-010758","form_type":"8-K","ticker":"ALLY","cik":"0000040729","company_name":"Ally Financial Inc.","filed_at":"2024-01-19T23:59:59+00:00","discovered_at":"2026-05-14T18:03:26.612064+00:00","generated_at":"2026-06-06T21:34:22.492403+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Ally Financial Q4 net income $76M ($0.16 EPS), adjusted EPS $0.45; FY net income $1.0B, adjusted EPS $3.05","bullets":["Q4 net income $76M, EPS $0.16; adjusted EPS $0.45. Full-year net income $1.0B, EPS $2.98, adj. EPS $3.05.","Total net revenue $2.1B Q4, $8.2B full year. Core pre-tax income $174M Q4.","Agreed to sell Ally Lending; deconsolidated $1.7B retail auto loans; headcount savings $80M annualized.","FDIC special assessment fee of $38M; retail auto originated yield 10.81% in Q4, up 124 bps YoY.","Retail deposits grew $2.2B QoQ to $142.3B; 52K net new retail deposit customers in Q4."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-24-010758","json":"https://secwatch.observer/filing/0001193125-24-010758.json","markdown":"https://secwatch.observer/filing/0001193125-24-010758.md","text":"https://secwatch.observer/filing/0001193125-24-010758.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/40729/000119312524010758/0001193125-24-010758-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/40729/000119312524010758/d691923d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-06T21:34:22.492403+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":"a12b6960a24ef7b2358ff64708e96dee3ca6e8ca","claim":"Ally Financial Inc. reported preliminary financial results for the fourth quarter and full year ended December 31, 2023.","evidence_excerpt":"On January 19, 2024, Ally Financial Inc. issued a press release announcing preliminary operating results for the fourth quarter and full year ended December 31, 2023.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/40729/000119312524010758/0001193125-24-010758-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the fourth quarter and full year ended December 31, 2023"},{"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"}