---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-25-241967"
form_type: "8-K"
ticker: "ALLY"
cik: "0000040729"
company_name: "Ally Financial Inc."
filed_at: "2025-10-17T23:59:59+00:00"
generated_at: "2026-05-17T03:28:14.601526+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Ally Q3 GAAP EPS $1.18, up 116% YoY; record auto originations of $11.7B

## Summary
- GAAP EPS $1.18, up 116% YoY; Adjusted EPS $1.15, up 166% YoY.
- Core pre-tax income $502M, up $282M YoY; GAAP total net revenue $2.2B.
- Record 4M consumer auto applications drove $11.7B originations, up 25% YoY.
- Retail auto net charge-offs 188 bps, down 36 bps YoY; CET1 ratio 10.1%.
- Retail deposits $142B, 92% FDIC insured; 66th consecutive quarter of customer growth.

## SEC filing metadata
- accession: 0001193125-25-241967
- form_type: 8-K
- ticker: ALLY
- cik: 0000040729
- company_name: Ally Financial Inc.
- filed_at: 2025-10-17T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/40729/000119312525241967/0001193125-25-241967-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/40729/000119312525241967/d50905d8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-25-241967
- JSON: https://secwatch.observer/filing/0001193125-25-241967.json
- Plain text: https://secwatch.observer/filing/0001193125-25-241967.txt

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