[Form 4] Ally Financial Inc. Insider Trading Activity

Rhea-AI Filing Summary

Ally Financial Inc. (ALLY) director Thomas P. Gibbons filed a Form 4 disclosing the acquisition of 1,072 common shares on 07/14/2025. The shares were received through Deferred Stock Units (DSUs), which convert to common stock on a one-for-one basis and were fully vested upon grant. No cash was paid for the shares (reported price of $0.00), indicating the transaction is part of director compensation rather than an open-market purchase. Following the grant, Gibbons directly owns 17,924 shares of Ally Financial common stock.

The filing shows an increase in insider ownership with no shares sold, a potentially constructive governance signal. However, because the units were granted at no cost and represent a modest number of shares relative to Ally’s float, the market impact is likely limited.

Positive

• Director increased ownership by 1,072 shares, suggesting ongoing alignment with shareholder interests.
• No insider sales reported, removing a potential negative signal.

Negative

• Grant is compensation-based at $0.00, providing limited insight into director’s personal conviction.
• Small share amount relative to Ally’s total outstanding shares, implying minimal market impact.

Insights

Securities Analyst

TL;DR: Small, cost-free stock grant to director slightly boosts insider holdings; negligible valuation impact.

Director Thomas Gibbons accepted 1,072 DSUs, lifting his direct stake to 17,924 shares. Because the grant is compensation-based and valued at $0.00 per share, it does not reflect incremental cash investment or changing risk appetite. The lack of sales is mildly reassuring, yet the quantity represents a fraction of Ally’s ~300 million share count, leaving earnings outlook and valuation unchanged. I view the filing as informational rather than a catalyst.

Corporate Governance Expert

TL;DR: Routine equity compensation strengthens director-company alignment but is not materially significant.

Equity grants like these DSUs are standard practice to align board interests with shareholders. Full vesting on grant ensures immediate ownership, reinforcing oversight incentives. Nonetheless, the award’s size is modest, and the absence of an open-market purchase limits its signaling power regarding future performance. Governance posture remains sound; impact on shareholder value is neutral to slightly positive.

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).

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)
07/14/2025

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)	07/14/2025		A		1,072	A	$0.00	17,924	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	07/15/2025
	** 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 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) disclose in the latest Form 4?

Director Thomas P. Gibbons received 1,072 Deferred Stock Units on 07/14/2025, increasing his direct holdings to 17,924 shares.

Was there any sale of Ally Financial shares by the director?

No. The filing shows only an acquisition; no dispositions were reported.

How were the shares acquired by the director priced?

The DSUs were granted at $0.00 per share as part of director compensation, not an open-market purchase.

Does the transaction materially affect Ally Financial’s share count?

No. The 1,072-share grant is immaterial compared with Ally’s total shares outstanding.

Why are Deferred Stock Units significant for investors?

DSUs align board incentives with shareholders by converting into common stock, but the signaling effect depends on size and purchase method.