Ally Financial Form 3: VP/CAO McGrath Reports Direct and Family Holdings

Rhea-AI Filing Summary

Ally Financial Inc. (ALLY) Form 3 shows that Austin Thomas McGrath reported initial beneficial ownership following a reportable event on 08/08/2025. Mr. McGrath discloses beneficial ownership of a total of 3,276 shares of common stock, comprised of 2,529 shares held directly, 447 shares held indirectly by his children, and 300 shares held indirectly by his spouse. The reported direct holdings include 1,890 Restricted Stock Units (RSUs) that convert to common shares on applicable settlement dates under the company’s plan. The filing was signed by an attorney-in-fact on 08/15/2025.

Positive

• Complete breakdown of direct and indirect ownership provided (2,529 direct; 447 by children; 300 by spouse).
• Disclosure of 1,890 RSUs clarifies portion of holdings that will convert into shares on settlement.

Negative

• None.

Insights

Securities Analyst

TL;DR: Routine insider initial disclosure; modest personal equity stake with RSUs disclosed.

The Form 3 is a standard initial Section 16 filing documenting beneficial ownership by an officer. The total position of 3,276 shares is modest relative to a large financial-services issuer, and the inclusion of 1,890 RSUs clarifies future share settlement but does not indicate option exercise or derivative exposure. This disclosure increases transparency around executive holdings without indicating material change to corporate control or capital structure.

Corporate Governance Expert

TL;DR: Proper, timely disclosure of an officer’s holdings including family-held shares; governance practice appears compliant.

The filing identifies Mr. McGrath as VP, CAO, and Controller and reports direct and indirect holdings, including spouse and children. Use of attorney-in-fact for signature is noted. The document provides the necessary breakdown between direct ownership and indirect family holdings and specifies RSUs, aiding shareholder oversight of insider alignment with company interests.

SEC Form 3

FORM 3

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

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1. Name and Address of Reporting Person^*

McGrath Austin Thomas

(Last) (First) (Middle)

500 WOODWARD AVENUE

(Street)

DETROIT MI 48226

(City) (State) (Zip)

2. Date of Event Requiring Statement (Month/Day/Year)
08/08/2025

3. Issuer Name and Ticker or Trading Symbol
Ally Financial Inc. [ ALLY ]

4. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	VP, CAO, and Controller

5. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Beneficially Owned
1. Title of Security (Instr. 4)	2. Amount of Securities Beneficially Owned (Instr. 4)	3. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	4. Nature of Indirect Beneficial Ownership (Instr. 5)
Common Stock(1)	2,529	D
Common Stock	447	I	By Children
Common Stock	300	I	By Spouse

Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 4)	2. Date Exercisable and Expiration Date (Month/Day/Year)		3. Title and Amount of Securities Underlying Derivative Security (Instr. 4)		4. Conversion or Exercise Price of Derivative Security	5. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	6. Nature of Indirect Beneficial Ownership (Instr. 5)
	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. The number of shares reported includes 1,890 Restricted Stock Units (RSUs), each of which represents a right to receive one share of the Company's common stock on the applicable settlement dates, subject to the terms of the applicable RSU.

Remarks:

	/s/ Joyce M. Daniels, attorney-in-fact for Mr. McGrath	08/15/2025
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 5 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What did the Form 3 filed for ALLY disclose about Austin Thomas McGrath's holdings?

The filing discloses 3,276 total common shares beneficially owned: 2,529 direct, 447 held by children, and 300 held by spouse.

How many Restricted Stock Units (RSUs) are included in the ALLY Form 3?

The Form 3 states that 1,890 RSUs are included, each representing a right to one share on settlement dates.

What is Mr. McGrath's role at Ally Financial as listed on the Form 3?

The filing lists his relationship as Officer with the titles VP, CAO, and Controller.

When was the event requiring this Form 3 reported and when was the form signed?

The event date is 08/08/2025 and the form was signed by an attorney-in-fact on 08/15/2025.

Does the Form 3 indicate any derivative securities or options for Mr. McGrath?

No derivative securities or options are listed in Table II of the Form 3; only common stock and RSUs are disclosed.