Every material Form 8-K Ally Financial has filed with the SEC since April 18, 2024, read and summarized by AI: what happened, the key figures, whether it reads positive or negative for shareholders, and how big a deal it is (impact 1-5). Newest first; each brief links to its own page and to the filing on SEC.gov.
Ally Financial reported preliminary third quarter 2026 results, with GAAP earnings per share of $1.30, up 10% from $1.18 a year earlier, and GAAP total net revenue of $2.3 billion, up 8%. Adjusted EPS was $1.34, up 16% year over year, but higher provision for credit losses of $529 million, up $114 million, partly offset the gains.
GAAP net income attributable to common shareholders was $401 million, compared with $371 million in the third quarter of 2025.
Net financing revenue rose $164 million year over year to $1.7 billion, and net interest margin was 3.62%.
Provision for credit losses rose $114 million year over year to $529 million, mainly from CECL reserve builds tied to asset growth.
Ally repurchased $178 million of shares in the quarter and the board approved a $0.35 per share dividend for the fourth quarter of 2026, compared with $0.30 paid in the third quarter.
Ally Financial reported preliminary second-quarter 2026 results, with GAAP earnings per share of $1.18, up from $1.04 a year earlier, and adjusted EPS of $1.21, up from $0.99. Pre-tax income rose to $537 million, and the company said its results reflect higher revenue and continued credit improvement, though provision for credit losses also increased. Shareholders benefit from higher earnings and a rising return on equity, while the company also repurchased $148 million of shares during the quarter.
GAAP EPS of $1.18 versus $1.04 in Q2 2025; adjusted EPS of $1.21 versus $0.99
GAAP pre-tax income of $537 million, up $101 million year over year
Provision for credit losses rose $46 million to $430 million, driven by CECL reserve build on asset growth
Ally repurchased $148 million of shares and paid a $0.30 quarterly common dividend
At its May 6, 2026 annual meeting, Ally Financial shareholders approved the 2026 Incentive Compensation Omnibus Plan, which combines the company's prior employee and director equity plans and authorizes 25,217,502 shares of common stock. Shareholders also backed the director slate, the advisory executive pay vote, and the Deloitte & Touche LLP auditor ratification, but rejected a proposal to lower the threshold for calling special meetings.
2026 plan authorizes 25,217,502 shares: 13,917,502 remaining under prior plans plus 11,300,000 new shares
Advisory say-on-pay vote: 259,445,810 for and 7,542,099 against
Proposal to reduce the shareholder threshold for calling special meetings failed: 78,514,072 for and 188,464,656 against
Deloitte & Touche LLP ratified for 2026: 272,462,325 for and 5,879,439 against
Ally Financial reported preliminary first-quarter 2026 results, with GAAP net income attributable to common shareholders of $291 million, compared with a $253 million loss in the first quarter of 2025. GAAP earnings per share were $0.93, down slightly from $0.95 in the fourth quarter of 2025, and the company said it repurchased $147 million of shares during the quarter.
GAAP EPS of $0.93 compared with a loss of $0.82 in Q1 2025 and $0.95 in Q4 2025
Adjusted EPS, a non-GAAP measure, was $1.11, up 90% year over year
GAAP total net revenue was $2.1 billion, up 36% year over year but down 1% from Q4 2025
Provision for credit losses rose $276 million year over year to $467 million, mainly due to a reserve release tied to the sale of Credit Card in the prior year
Ally Financial reported preliminary fourth-quarter and full-year 2025 results that improved from 2024, with full-year GAAP EPS of $2.37 versus $1.80 and net income attributable to common shareholders of $742 million versus $558 million, driven mainly by lower provision for credit losses and higher net financing revenue. The company's board authorized an open-ended $2 billion share repurchase program, and Ally resumed repurchases in the fourth quarter. Fourth-quarter GAAP EPS of $0.95 was lower than $1.18 in the third quarter of 2025.
Q4 2025 GAAP EPS was $0.95 versus $0.26 in Q4 2024; adjusted EPS was $1.09 versus $0.78
Full-year 2025 GAAP EPS was $2.37 versus $1.80 in 2024; adjusted EPS was $3.81 versus $2.35
Board authorized an open-ended $2 billion share repurchase program during the quarter; repurchases resumed in Q4 2025
Q4 2025 GAAP EPS of $0.95 declined from $1.18 in Q3 2025
Ally Financial Inc. disclosed that director Marjorie Magner notified the Board on December 8, 2025 of her intention to retire, effective December 9, 2025. The filing states her decision was not due to any disagreement with Ally on its operations, policies, or practices.
Marjorie Magner notified the Board on December 8, 2025 of her retirement as a director.
Retirement is effective December 9, 2025.
Ally states there was no disagreement with the company on operations, policies, or practices.
Ally Financial reported preliminary third-quarter 2025 results on October 17, 2025. GAAP earnings per share were $1.18, up from $0.55 a year earlier, and net income attributable to common shareholders was $371 million, compared with $171 million, with lower credit loss provisions a key factor. The company's board approved a $0.30 per share dividend for the fourth quarter of 2025, and the filing gives no updated financial guidance.
GAAP EPS of $1.18 vs. $0.55 in 3Q 2024; Adjusted EPS of $1.15 vs. $0.43
Net income attributable to common shareholders of $371 million vs. $171 million a year earlier
Provision for credit losses fell $230 million year over year to $415 million
Board approved a $0.30 per share common dividend for Q4 2025; no shares repurchased in the quarter
Ally Financial said its Chief Accounting Officer and Controller, David J. DeBrunner, will retire, and he said the decision was not due to any disagreement with Ally. Austin T. McGrath, an Ally employee since 2007, will take over both roles effective August 8, 2025.
David J. DeBrunner notified Ally on July 21, 2025 of his intention to retire as Chief Accounting Officer and Controller
Austin T. McGrath assumes the role effective August 8, 2025
McGrath has been an Ally employee since 2007 and was named executive director of Investor Relations in January 2025
McGrath will receive an annual base salary and is eligible for cash and equity incentive compensation under Ally's Incentive Compensation Plan
Ally Financial reported preliminary second-quarter 2025 results in an 8-K filed July 18, 2025. GAAP net income attributable to common shareholders was $324 million, up from $191 million a year earlier, and reversed a $253 million loss in the first quarter, which included repositioning items. Adjusted EPS of $0.99 was up from $0.73, though adjusted total net revenue was flat year over year.
GAAP EPS of $1.04 compared with $0.62 in 2Q 2024 and a loss of $(0.82) in 1Q 2025
Adjusted EPS of $0.99 compared with $0.73 in 2Q 2024
GAAP total net revenue of $2,082 million, up 3% year over year; adjusted total net revenue of $2,064 million, flat year over year
Quarterly common dividend of $0.30 per share, unchanged year over year; the sale of Credit Card closed April 1, 2025
Ally Financial reported preliminary first-quarter 2025 results, with a GAAP net loss attributable to common shareholders of $253 million, compared with net income of $115 million a year earlier. The company said the decline was primarily driven by a $495 million pre-tax loss from repositioning its securities portfolio, while adjusted EPS of $0.58 rose from $0.41.
GAAP EPS was $(0.82) versus $0.37 in Q1 2024; adjusted EPS was $0.58 versus $0.41
A $495 million pre-tax loss tied to securities repositioning drove the GAAP decline
GAAP total net revenue was $1,541 million versus $1,998 million a year earlier; adjusted total net revenue rose 3% to $2,065 million
Ally reiterated its full-year guidance and paid an unchanged $0.30 quarterly common dividend
Ally Financial reported fourth-quarter 2024 net income of $108 million, or $0.26 per share, up from $62 million a year earlier, but full-year 2024 net income fell to $668 million, or $1.80 per share, from $957 million, or $2.77, in 2023. The company also said it agreed to sell its Credit Card business, will stop new mortgage loan applications on January 31, and expects a workforce reduction to save over $60 million a year, which shareholders will weigh against the lower annual earnings.
Fourth-quarter 2024 net income $108 million, EPS $0.26, versus $62 million and $0.11 in fourth-quarter 2023
Full-year 2024 net income $668 million, EPS $1.80, versus $957 million and $2.77 in 2023
Agreement to sell Credit Card business, with a $118 million partial goodwill impairment excluded from adjusted metrics
Workforce reduction expected to save over $60 million annually, with a $22 million restructuring cost
Ally Financial said Chief Risk Officer Jason E. Schugel moved into a Senior Operating Adviser role effective November 20, 2024, and Stephanie N. Richard was appointed Chief Risk Officer at the same time. Under a transition agreement dated November 25, 2024, Schugel stays on until March 31, 2025 or earlier departure, with a $700,000 lump-sum payment and full vesting of certain equity awards.
Stephanie N. Richard appointed Chief Risk Officer effective November 20, 2024
Jason E. Schugel transitioned to Senior Operating Adviser; Transition End Date on or before March 31, 2025
Schugel to receive a $700,000 lump-sum cash payment after the Transition End Date
2024 incentive awards to be no less than 80% of his $1.85 million target, subject to conditions
Ally Financial reported preliminary third-quarter 2024 results. GAAP earnings per share rose to $1.06 from $0.86 in the second quarter, helped by a $124 million tax benefit tied to EV lease tax credits, while adjusted EPS fell to $0.95 from $0.97. Shareholders get a mixed picture: GAAP revenue and net income grew, but provision for credit losses rose to $645 million and core pre-tax income fell $138 million from a year earlier.
GAAP EPS of $1.06, up from $0.86 in 2Q 24 and $0.88 in 3Q 23; adjusted EPS of $0.95, down from $0.97 in 2Q 24 and up from $0.83 in 3Q 23
GAAP total net revenue of $2,103 million, up 5% from the prior quarter and 7% from a year earlier
Provision for credit losses of $645 million, up $137 million year over year, reflecting higher net charge-offs and a 15 bps increase in the retail auto reserve rate
Ally paid a $0.30 per share quarterly dividend and declared the same amount for the fourth quarter of 2024; no shares were repurchased on the open market
Ally Financial Inc. disclosed that director Melissa Goldman notified the board on August 26, 2024 of her intention to resign, effective August 27, 2024. The filing says her decision was based on professional and personal priorities and was not due to any disagreement with Ally on its operations, policies, or practices.
Melissa Goldman notified the board on August 26, 2024 of her resignation as a director.
Her resignation took effect August 27, 2024.
The filing states the departure was not due to any disagreement with Ally.
Ally Financial reported preliminary second-quarter 2024 results, with GAAP earnings per share of $0.86, down from $0.99 a year earlier but up from $0.42 in the first quarter. Adjusted EPS was $0.97, up 1% year over year, while GAAP total net revenue of $2.0 billion fell 4% year over year. Shareholders face a mixed picture: profit on a GAAP basis declined year over year, but the quarter improved sequentially.
GAAP net income attributable to common shareholders was $266 million, compared with $301 million in the second quarter of 2023 and $129 million in the first quarter of 2024.
Provision for credit losses rose $30 million year over year to $457 million, reflecting higher net charge-offs.
Net interest margin was 3.27%, down 11 basis points year over year; Ally's common equity tier 1 ratio was 9.6%.
Ally's board approved a $0.30 per share common dividend for the third quarter of 2024, and the company did not repurchase any shares on the open market during the quarter.
Ally Financial reported preliminary first-quarter 2024 results on April 18, 2024. GAAP net income attributable to common shareholders was $129 million, down from $291 million a year earlier, as lower net financing revenue, higher credit provisions and higher noninterest expenses offset higher other revenue. The results and the planned leadership change, with Michael Rhodes becoming CEO on April 29, are the key items for shareholders.
GAAP EPS of $0.42 compared with $0.96 in the first quarter of 2023; adjusted EPS of $0.45 compared with $0.82
GAAP total net revenue of $1,986 million, down 5% from $2,100 million a year earlier
Provision for credit losses rose $61 million year over year to $507 million
Michael Rhodes to become CEO starting April 29, according to the release
Briefs are written by AI from the filing text (each brief's own page names the model) and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the model's reading of the filing for shareholders, not a price forecast. Not investment advice.
Only material 8-Ks get a brief: results, deals, executive changes, restructuring, impairments, delisting notices, restatements, cybersecurity incidents and other disclosed events. Routine filings (vote results, exhibits only) are skipped. Every Ally Financial filing is on SEC EDGAR ↗. 8-K briefs of other companies →