{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-24-239217","form_type":"8-K","ticker":"ALLY","cik":"0000040729","company_name":"Ally Financial Inc.","filed_at":"2024-10-18T23:59:59+00:00","discovered_at":"2026-05-14T18:03:10.749334+00:00","generated_at":"2026-05-30T12:53:54.751515+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Ally Financial Q3 GAAP EPS $1.06, Adjusted $0.95; revenue $2.1B","bullets":["GAAP EPS of $1.06, up from $0.88 YoY; Adjusted EPS $0.95, up from $0.83.","Pre-tax income $233M, up $5M YoY; core pre-tax income $188M, down $138M.","Consumer auto originations $9.4B; retail auto NCO rate 2.24%, elevated.","Insurance written premiums $384M, up 15% YoY, a record since IPO.","CET1 ratio 9.8%, up 20 bps QoQ; $4.2B excess capital above 7.1% minimum."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-24-239217","json":"https://secwatch.observer/filing/0001193125-24-239217.json","markdown":"https://secwatch.observer/filing/0001193125-24-239217.md","text":"https://secwatch.observer/filing/0001193125-24-239217.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/40729/000119312524239217/0001193125-24-239217-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/40729/000119312524239217/d902588d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T12:53:54.751515+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}