[Form 4] Ally Financial Inc. Insider Trading Activity

Rhea-AI Filing Summary

Ally Financial Inc. (ALLY) director David Reilly filed a Form 4 disclosing the grant of 835 Deferred Stock Units (DSUs) on 14 July 2025. The DSUs automatically convert into common stock on a one-for-one basis and were granted at a stated price of $0.00, reflecting standard board compensation rather than an open-market purchase. Following the issuance, Reilly’s direct beneficial ownership increases to 30,053 common shares. No derivative securities transactions were reported.

The filing represents routine equity compensation for a non-employee director and does not involve any sale of shares or changes in control. While the absolute number of shares is modest relative to Ally’s total share count, such grants modestly strengthen director-shareholder alignment by increasing insider exposure to future share-price performance.

Positive

• Increased insider ownership: Director David Reilly now holds 30,053 shares, enhancing alignment with shareholders.

Negative

• None.

Insights

Corporate Governance Expert

TL;DR: Routine director DSU grant; modestly positive for alignment, immaterial for valuation.

The Form 4 shows a standard equity retainer—835 DSUs—to director David Reilly. Because DSUs vest immediately and settle one-for-one in common stock, they increase long-term alignment without cash outlay. The size (<1% of daily volume, immaterial versus market cap) means no market impact. Governance best practice favors equity-based pay, so the action is slightly positive from a stewardship lens but financially neutral.

Portfolio Manager

TL;DR: Insignificant position change; no portfolio action warranted.

The additional 835 shares lift Reilly’s stake to roughly US$1 million equivalent (assuming ~$33 share price), still negligible for Ally’s float. There is no insider buying with personal funds, thus no new signal on valuation or outlook. I classify the event as noise; keep focus on upcoming earnings drivers like net-interest margin trends.

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

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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).

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)
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		835	A	$0.00	30,053	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	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.
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FAQ

How many Ally Financial (ALLY) shares did director David Reilly acquire?

He received 835 Deferred Stock Units, each convertible into one common share.

What is David Reilly’s total Ally Financial shareholding after the transaction?

Following the grant, he beneficially owns 30,053 common shares.

Was the transaction an open-market purchase?

No. The DSUs were granted at $0.00 as part of routine director compensation.

Does the filing involve any derivative securities?

No derivative securities were reported in Table II of the Form 4.

When was the Form 4 transaction executed and filed?

The transaction date was 14 July 2025, and the filing was signed on 15 July 2025.