---
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"
generated_at: "2026-06-06T21:34:22.492403+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Ally Financial Q4 net income $76M ($0.16 EPS), adjusted EPS $0.45; FY net income $1.0B, adjusted EPS $3.05

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-24-010758
- JSON: https://secwatch.observer/filing/0001193125-24-010758.json
- Plain text: https://secwatch.observer/filing/0001193125-24-010758.txt

## Key facts
- Earnings Releases
  Ally Financial Inc. reported preliminary financial results for the fourth quarter and full year ended December 31, 2023.
  - Period: the fourth quarter and full year ended December 31, 2023
  - Result: preliminary results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/40729/000119312524010758/0001193125-24-010758-index.htm

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