[Form 4] Ally Financial Inc. Insider Trading Activity

Rhea-AI Filing Summary

Ally Financial director Thomas P. Gibbons received a grant of 1,212 Deferred Stock Units on 10/08/2025. The units convert one-for-one into common stock on distribution and were reported with a transaction price of $0.00, indicating a compensation grant rather than a market purchase. After the award, Mr. Gibbons' beneficial ownership increased to 19,136 shares held directly. The filing notes the Deferred Stock Units are fully vested upon grant, meaning there are no further vesting conditions before conversion.

Positive

• 1,212 Deferred Stock Units granted to a director, increasing alignment with shareholders
• Units fully vested on grant, giving the director immediate ownership rights
• Beneficial ownership rose to 19,136 shares, a clear disclosure of insider holdings

Negative

• None.

Insights

Corporate Governance Analyst

Director received vested equity pay, increasing direct ownership modestly.

This represents a compensation grant to a board member rather than an open-market purchase; the units convert one-for-one into common shares and were fully vested on grant, which means the director has no remaining vesting conditions.

Key dependencies include the timing of distribution and the future conversion into common stock; investors may watch dilution and timing of distribution over the next 12 months if disclosed.

Equity Compensation Specialist

Grant of 1,212 deferred units is a routine director compensation action.

Deferred Stock Units issued at $0.00 are compensation, not a purchase, and convert one-for-one to common stock. The units being fully vested on grant removes vesting risk for the recipient but may accelerate realized compensation expense for the company.

Monitor public disclosures for the distribution schedule and any corresponding expense recognition in quarterly filings during the remainder of the fiscal year.

SEC Form 4

FORM 4

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

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

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

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

GIBBONS THOMAS P

(Last) (First) (Middle)

500 WOODWARD AVE.

(Street)

DETROIT MI 48226

(City) (State) (Zip)

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

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

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

3. Date of Earliest Transaction (Month/Day/Year)
10/08/2025

4. 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 Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock(1)	10/08/2025		A		1,212	A	$0.00	19,136	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. Represented by Deferred Stock Units which convert into common stock on a one-for-one basis on distribution. The Deferred Stock Units are fully vested upon grant.

Remarks:

	/s/ Joyce M. Daniels, attorney-in-fact for Mr. Gibbons	10/10/2025
	** 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 4 (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 Ally Financial director Thomas P. Gibbons report on Form 4 (ALLY)?

He reported a grant of 1,212 Deferred Stock Units on 10/08/2025, which convert one-for-one into common stock and are fully vested.

How many shares does Mr. Gibbons beneficially own after the transaction?

The Form 4 shows 19,136 shares beneficially owned following the reported transaction.

Was the acquisition a market purchase or compensation?

The transaction price is listed as $0.00, indicating the units were issued as compensation (Deferred Stock Units), not a market purchase.

Are the Deferred Stock Units subject to vesting?

No. The filing states the Deferred Stock Units are fully vested upon grant.

When was the Form 4 filed and who signed it?

The form indicates a submission dated 10/10/2025 signed by Joyce M. Daniels, attorney-in-fact for Mr. Gibbons.