{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-26-017242","form_type":"8-K","ticker":"ALLY","cik":"0000040729","company_name":"Ally Financial Inc.","filed_at":"2026-01-21T23:59:59+00:00","discovered_at":"2026-05-14T18:02:37.407432+00:00","generated_at":"2026-05-16T09:23:58.908957+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Ally Financial Q4 2025 EPS $0.95 ($1.09 adjusted); FY EPS $2.37 ($3.81 adjusted); authorizes $2B buyback","bullets":["Q4 EPS $0.95 (adjusted $1.09); FY EPS $2.37 (adjusted $3.81). Pre-tax income $386M Q4, $1.1B FY.","Record 15.5M consumer auto applications in FY; $43.7B originations. Estimated retail auto originated yield 9.74%.","Completed sale of Credit Card, ceased mortgage originations; added 40 bps to CET1. Executed $4.1B securities repositioning.","Retail deposits $143.5B with 3.5M customers; 17 consecutive years of growth. >95% retention.","Board authorized $2B open-ended share repurchase program, signaling capital flexibility and confidence."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-26-017242","json":"https://secwatch.observer/filing/0001193125-26-017242.json","markdown":"https://secwatch.observer/filing/0001193125-26-017242.md","text":"https://secwatch.observer/filing/0001193125-26-017242.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/40729/000119312526017242/0001193125-26-017242-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/40729/000119312526017242/d101102d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T09:23:58.908957+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"}