[Form 4] Ally Financial Inc. Insider Trading Activity

Rhea-AI Filing Summary

David Reilly, a director of Ally Financial Inc. (ALLY), reported a non‑derivative acquisition on 10/08/2025 of 830 Deferred Stock Units (DSUs) that convert one‑for‑one into common shares. The filing shows a $0.00 per‑unit price because the award is a grant of DSUs rather than an open‑market purchase. After the grant, the reporting person beneficially owns 30,883 common shares in total. The DSUs are stated to be fully vested upon grant and will convert into common stock on distribution.

Positive

• 830 Deferred Stock Units granted align director interests with shareholders
• DSUs are fully vested upon grant, giving immediate economic alignment
• Beneficial ownership increased to 30,883 shares, improving insider skin in the game

Negative

• None.

Insights

Corporate Governance Analyst

Director received fully vested deferred stock units, increasing owned shares modestly.

The grant of 830 deferred stock units to a director increases alignment between the director and shareholders because DSUs convert one‑for‑one into common stock on distribution. The report lists 30,883 shares owned after the transaction, providing transparency on insider holdings.

Key dependencies include the timing of distribution for the DSUs, which will determine when dilution effectively occurs; monitor the company’s equity plan disclosures and any future distributions expected over the next 12–24 months.

Compensation & Equity Specialist

Grant structure is a routine director compensation item; no cash consideration was paid.

The transaction code and $0.00 price indicate this is a compensatory grant of DSUs rather than a market purchase. The filing explicitly states the DSUs are fully vested upon grant, meaning the recipient has earned the right to the units immediately.

Watch for any related filings that show the conversion/distribution timing or additional grants that could affect share count within the current 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^*

Reilly David

(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)

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		830	A	$0.00	30,883	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. Reilly	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 the Form 4 for Ally Financial (ALLY) report on 10/08/2025?

It reported an acquisition of 830 Deferred Stock Units by director David Reilly on 10/08/2025.

How many Ally (ALLY) shares does the reporting person own after the transaction?

The filing shows beneficial ownership of 30,883 common shares following the reported transaction.

What price was reported for the DSU grant in the Ally (ALLY) Form 4?

The transaction lists a price of $0.00, indicating a compensatory grant rather than a market purchase.

Are the Deferred Stock Units (DSUs) immediately exercisable for Ally (ALLY)?

The DSUs are described as fully vested upon grant and convert into common stock on distribution.

Who signed the Form 4 filing for the Ally (ALLY) transaction?

The form was signed by Joyce M. Daniels, attorney‑in‑fact for Mr. Reilly on 10/10/2025.