---
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"
generated_at: "2026-05-27T21:22:02.330853+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Ally Financial Q4 GAAP EPS $0.26 ($0.78 adj); full-year $1.80 ($2.35 adj)

## Summary
- 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.

## SEC filing metadata
- 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
- 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/40729/000119312525009950/0001193125-25-009950-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/40729/000119312525009950/d891549d8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-25-009950
- JSON: https://secwatch.observer/filing/0001193125-25-009950.json
- Plain text: https://secwatch.observer/filing/0001193125-25-009950.txt

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