---
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"
generated_at: "2026-05-18T00:36:53.866835+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Ally Q2 GAAP EPS $1.04, up 68% YoY; core pre-tax income $418M, up 30%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 8.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-25-165925
- JSON: https://secwatch.observer/filing/0001193125-25-165925.json
- Plain text: https://secwatch.observer/filing/0001193125-25-165925.txt

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