{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-26-425698","form_type":"8-K","ticker":"ALLY","cik":"0000040729","company_name":"Ally Financial Inc.","filed_at":"2026-10-20T11:20:13+00:00","discovered_at":"2026-10-20T11:25:00.492291+00:00","generated_at":"2026-10-20T11:25:05.131712+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Ally Q3 GAAP EPS $1.30 (+10% YoY), revenue $2.33B; declares $0.35 quarterly dividend","bullets":["GAAP EPS $1.30 (+10% YoY), adjusted EPS $1.34 (+16%); net income to common $401M, up 8%; GAAP total net revenue $2,332M (+8% YoY), adjusted $2,346M (+9%).","GAAP pre-tax income $567M (+11%); core pre-tax income $581M (+16%); ROE 12.1%, core ROTCE 13.1% (+80 bps YoY); NIM ex-OID 3.66% (+11 bps YoY); CET1 10.2%.","Declared 4Q 2026 common dividend of $0.35 per share; executed $178M of share repurchases during the quarter.","Consumer auto originations $12.9B (+10% YoY) on record 4.8M applications (+20% YoY); retail auto net charge-offs 189 bps, up 1 bp YoY; insurance written premiums $388M.","Retail deposits $142B, 92% FDIC-insured, 86% core deposit funded; 70th consecutive quarter of customer growth to 3.6M; Corporate Finance HFI $15.8B with sub-1% NPLs and 22% ROE."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-26-425698","json":"https://secwatch.observer/filing/0001193125-26-425698.json","markdown":"https://secwatch.observer/filing/0001193125-26-425698.md","text":"https://secwatch.observer/filing/0001193125-26-425698.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/40729/000119312526425698/0001193125-26-425698-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/40729/000119312526425698/d116845d8k.htm"},"model":{"generated_by":"deepseek-v4.1-flash:cloud@v2","generated_at":"2026-10-20T11:25:05.131712+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"}