---
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"
generated_at: "2026-10-20T11:25:05.131712+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Ally Q3 GAAP EPS $1.30 (+10% YoY), revenue $2.33B; declares $0.35 quarterly dividend

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-26-425698
- JSON: https://secwatch.observer/filing/0001193125-26-425698.json
- Plain text: https://secwatch.observer/filing/0001193125-26-425698.txt

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