Results of Operations

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549     FORM 8-K     CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 January 21, 2026 (Date of report; date of earliest event reported) Commission file number: 1-3754     ALLY FINANCIAL INC. (Exact name of registrant as specified in its charter)       Delaware   38-0572512 (State or other jurisdiction of incorporation or organization)   (I.R.S. Employer Identification No.) Ally Detroit Center 500 Woodward Ave. Floor 10 , Detroit , Michigan 48226 (Address of principal executive offices) (Zip Code) ( 866 ) 710-4623 (Registrant’s telephone number, including area code)     Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):   ☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)   ☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)   ☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))   ☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) Securities registered pursuant to Section 12(b) of the Act:   Title of each class   Trading symbols   Name of each exchange on which registered Common Stock, par value $0.01 per share   ALLY   NYSE Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter). Emerging growth company  ☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐       Item 2.02 Results of Operation and Financial Condition. On January 21, 2026, Ally Financial Inc. issued a press release announcing preliminary operating results for the fourth quarter and full year ended December 31, 2025. The press release is attached hereto and incorporated by reference as Exhibit 99.1. Charts furnished to securities analysts are attached hereto and incorporated by reference as Exhibit 99.2. In addition, supplemental financial data furnished to securities analysts is attached hereto and incorporated by reference as Exhibit 99.3.   Item 9.01 Financial Statements and Exhibits.   Exhibit No.    Description 99.1    Press Release, Dated January 21, 2026 99.2    Charts Furnished to Securities Analysts 99.3    Supplemental Financial Data Furnished to Securities Analysts 104    The cover page from this Current Report on Form 8-K, formatted in Inline XBRL   SIGNATURES Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.         ALLY FINANCIAL INC.       (Registrant) Dated: January 21, 2026       /s/ Austin T. McGrath       Austin T. McGrath       Vice President, Controller, and Chief Accounting Officer