{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-25-165925","form_type":"8-K","ticker":"ALLY","cik":"0000040729","company_name":"Ally Financial Inc.","filed_at":"2025-07-28T23:59:59+00:00","discovered_at":"2026-05-14T18:02:46.097459+00:00","generated_at":"2026-05-18T00:36:53.866835+00:00","sec_items":["8.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Ally Q2 GAAP EPS $1.04, up 68% YoY; core pre-tax income $418M, up 30%","bullets":["GAAP net income of $324M vs. $191M YoY; adjusted EPS $0.99, up 36%.","NIM ex. OID 3.45%, up 10 bps QoQ; CET1 ratio 9.9%, up 38 bps.","Consumer auto originations $11.0B from record 3.9M applications; retail auto NCOs 1.75%.","Closed Credit Card sale on Apr 1, generating 20 bps CET1 at closing.","Retail deposits $143B; 65th consecutive quarter of deposit customer growth."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-25-165925","json":"https://secwatch.observer/filing/0001193125-25-165925.json","markdown":"https://secwatch.observer/filing/0001193125-25-165925.md","text":"https://secwatch.observer/filing/0001193125-25-165925.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/40729/000119312525165925/0001193125-25-165925-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/40729/000119312525165925/d92723d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T00:36:53.866835+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"}