ALLY insider filing shows tax withholding; 85,844 shares owned

Rhea-AI Filing Summary

Ally Financial (ALLY) reported an insider transaction by its Chief Risk Officer on 10/21/2025. The filing shows 4,543 shares of common stock were withheld (transaction code F) to cover taxes due upon the vesting of previously reported RSUs. The per-share market value used for the withholding was $40.5 as of October 20, 2025. Following this event, the reporting person directly beneficially owns 85,844 shares.

Insights

Governance & Insider Transactions Analyst

Routine tax withholding; no open-market sale.

This Form 4 documents a Code F transaction, which reflects shares withheld by the company to satisfy tax obligations upon RSU vesting. It is an administrative event rather than a discretionary buy or sell.

The filing lists 4,543 shares withheld at a per-share value of $40.5 (as of October 20, 2025), with direct beneficial ownership now at 85,844 shares. Actual market impact depends on broader trading, as this withholding does not represent an open-market transaction.

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

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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^*

Richard Stephanie N

(Last) (First) (Middle)

500 WOODWARD AVENUE

(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)

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

3. Date of Earliest Transaction (Month/Day/Year)
10/21/2025

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)	10/21/2025		F		4,543	D	$40.5(2)	85,844	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. These shares were withheld by the Company to satisfy the reporting person's tax obligation associated with the vesting of a previously reported award of restricted stock units.

2. Represents the per share market value of the Company's common stock as of October 20, 2025.

Remarks:

	/s/ Joyce M. Daniels, attorney-in-fact for Ms. Richard	10/23/2025
	** 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 (ALLY) report on Form 4?

An insider transaction where 4,543 shares were withheld (code F) to cover taxes on RSU vesting.

Who is the reporting person in the ALLY Form 4?

An officer serving as Chief Risk Officer.

How many shares does the officer own after the transaction?

The officer directly beneficially owns 85,844 shares after the withholding.

What price was used for the tax withholding calculation?

The per-share market value was $40.5 as of October 20, 2025.

Was this an open-market sale of ALLY shares?

No. Code F indicates shares were withheld by the company to satisfy tax obligations on vested RSUs.

What is the transaction date on the Form 4?

The transaction date is 10/21/2025.