{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-25-009950","form_type":"8-K","ticker":"ALLY","cik":"0000040729","company_name":"Ally Financial Inc.","filed_at":"2025-01-22T23:59:59+00:00","discovered_at":"2026-05-14T18:03:06.011640+00:00","generated_at":"2026-05-27T21:22:02.330853+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 GAAP EPS $0.26 ($0.78 adj); full-year $1.80 ($2.35 adj)","bullets":["GAAP EPS $0.26 for Q4, $1.80 for full year 2024; adjusted EPS $0.78 and $2.35 respectively.","Total net revenue $2.0B in Q4, $8.2B full year; core ROTCE 11.3% Q4, 8.5% full year.","Agreed to sell Credit Card business; ceased new mortgage applications effective Jan 31, 2025.","Workforce reduction expected to save >$60M annually; $22M restructuring cost excluded from adjusted metrics.","Retail auto net charge-offs 216 bps; consumer auto originations $10.3B in Q4 with 49% in highest credit tier."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-25-009950","json":"https://secwatch.observer/filing/0001193125-25-009950.json","markdown":"https://secwatch.observer/filing/0001193125-25-009950.md","text":"https://secwatch.observer/filing/0001193125-25-009950.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/40729/000119312525009950/0001193125-25-009950-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/40729/000119312525009950/d891549d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T21:22:02.330853+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"}