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As of September 26, 2026, Ally Financial Inc. (ALLY) trades at $38.79. CleaRank Financial AI rates it Buy with a fair value of $55.00, 41.8% above the current price. Wall Street's consensus target is $55.00 across 19 analysts. RSI at 13 is in oversold territory, and the price is below its 50-day average of $42.76.
Ally Financial Inc. (ALLY)
Ally Financial Inc. NYSE
$38.79
0.0500 (0.13%)
At close: Sep 25, 4:00 PM EDT
AI Analyst Consensus
78 / 100
Ally Financial Inc. (ALLY) is currently trading at $38.79, significantly below its 50-day and 200-day moving averages ($42.76 and $42.83) of $42.76 and $42.83 respectively, indicating a bearish technical trend. Despite this, the company has demonstrated consistent earnings beats over the last three reported quarters, with the most recent quarter to June 2026 showing a 6.36% EPS surprise. Wall Street analysts maintain a strong conviction, with a consensus "Buy" rating and a median price target of $55.00, implying an upside of 41.8% from the current price. The company's profit margin stands at a healthy 18.41%, and its debt-to-equity ratio is exceptionally low at 0.01, suggesting a strong balance sheet. The primary risk remains the current oversold technical condition and the moderate insider selling signal, which warrants careful monitoring.
ALLY Price Analysis
Market Metrics
Open
$38.75
Day Range
$38.19 to $38.98
Prev Close
$38.74
Volume
2.92M
52-Week Range
$35.92 to $47.29
Market Cap
$11.80B
Peer Benchmarking
Valuation vs Sector (Financial Services)
Performance vs KBE
Sector Position Analysis
Trading at a notable discount to sector peers (-45%), which may indicate undervaluation or specific company headwinds.
ALLY Financial Performance
Revenue vs. Earnings
Annual
Quarterly
Earnings Reality Check
Analysis: In the last 3 quarters, ALLY beat estimates 3 times. However, the stock fell 2 times the next day. This suggests positive news is often "priced in" or investors are selling the news.
ALLY Analysis
Company's Health
3/5
12-Month Analyst Target
+41.79% Upside
Median of 19 analysts (12-month)
$55.00
AI Technical Analysis
Ally Financial Inc. (ALLY) is currently trading below its key moving averages, with its price of $38.79 sitting below the 50-day SMA of $42.76 and the 200-day SMA of $42.83, signaling a bearish trend. The Relative Strength Index (RSI) is at 12.69, indicating an oversold condition that could precede a bounce. Volume has been below average recently, with the latest volume at 2.92 million compared to a 40-day average of 4.04 million, suggesting a lack of strong conviction from traders. Key support levels are not clearly defined due to the current oversold state, but the price action suggests potential for a short-term reversal if buying pressure increases.
ProTips
- Monitor the oversold RSI (12.69) for potential short-term buying opportunities, but confirm with increased volume and a break above key moving averages.
- Given the moderate insider selling signal, pay close attention to any future insider transactions and the overall market sentiment towards financial services stocks.
- Ally Financial Inc. pays a dividend yield of approximately 3.1%, which, combined with its strong earnings and upside potential, offers a balanced investment profile.
Key Catalysts
Bullish
Consistent Earnings Beats
Ally Financial Inc. has exceeded EPS estimates for three consecutive quarters, demonstrating operational resilience and effective management.
Source: Earnings ReportsBullish
Positive Analyst Sentiment and Price Targets
19 analysts cover ALLY, with a consensus 'Buy' rating and a median price target of $55.00, indicating strong Wall Street conviction.
Source: Wall Street AnalystsBearish
Moderate Insider Selling Signal
Insiders have sold $3.7M worth of stock against $1.7M in purchases over the recent period, signaling a moderate sell trend.
Source: Insider TransactionsBearish
Oversold Technical Conditions
The stock's RSI is at 12.69, indicating it is significantly oversold and potentially due for a correction or consolidation, though it could also precede a sharp rebound.
Source: Technical AnalysisMarket Outlook
Ally Financial Inc. (ALLY) is expected to see continued growth, with analysts forecasting revenue growth of 26.1% for the current quarter and 37.3% for the next quarter. The company's strong balance sheet, characterized by a low debt-to-equity ratio of 0.01 and a healthy profit margin of 18.41%, provides a solid foundation for future performance. The median analyst price target of $55.00 suggests a significant upside from the current price, driven by earnings growth and favorable sector valuation. Potential catalysts for upside include continued earnings beats and positive economic conditions for the financial services sector. Conversely, a sharp economic downturn, rising interest rates impacting loan demand, or increased regulatory scrutiny could pose downside risks. The current oversold technical condition also presents an opportunity for a short-term rebound, though sustained upward momentum will depend on fundamental improvements and broader market sentiment.
Key Statistics
| Market Cap | 11.80B |
|---|---|
| P/E Ratio | 9.13 |
| EPS (TTM) | 4.25 |
| Dividend Yield | 3.09% |
| 52 Week High | 47.29 |
| 52 Week Low | 35.92 |
Ally Financial Inc. (ALLY) presents an attractive valuation with a P/E ratio of 9.13, which is below the sector median of 16.5. Its price-to-sales ratio of 1.49 is also favorable compared to the sector average of 3.8. The company boasts a strong profit margin of 18.41% and an operating margin of 25.27%, indicating efficient operations. With a very low debt-to-equity ratio of 0.01, Ally Financial has a strong balance sheet. While its return on equity is 9.68%, which is slightly below the sector average of 13.8%, the overall financial health and valuation metrics suggest the stock is undervalued relative to its peers and its own earnings potential.
Earnings & Growth Analysis
Ally Financial Inc. (ALLY) has a track record of exceeding analyst expectations, having beaten EPS estimates in the last three reported quarters. Most recently, for the quarter ending June 2026, the company reported an EPS of $1.17 against an estimate of $1.10, a 6.36% surprise, though the stock saw a 2.48% decline on the news. Prior to that, the quarter ending March 2026 saw an 18.09% EPS surprise, leading to a 2.07% stock price increase. This consistent earnings performance, coupled with positive revenue growth estimates for the current and next quarters, suggests underlying operational strength.
Key Risks
The primary risk for Ally Financial Inc. (ALLY) is its current bearish technical setup, trading significantly below its key moving averages and showing oversold conditions on the RSI. Additionally, insider activity indicates a moderate sell signal, with total insider sales exceeding purchases by a notable margin. While the company's fundamentals are strong, a sustained downturn in the financial services sector or unexpected macroeconomic headwinds could pressure the stock further.
Technical Indicators
| RSI (14) | 12.69 |
|---|---|
| MACD | -1.18 |
| SMA 50 | 42.76 |
| SMA 200 | 42.83 |
RSI
Oversold
SMA Cross
Neutral
Price vs SMA
Bearish
MACD
Bearish
Price is trading below the 50-day SMA, RSI at 12.7 suggests oversold conditions; potential bounce setup.
Market Correlations
How this stock moves relative to other assets
Based on 1 year of daily price data. Correlations may vary over different time periods.
S&P 500 (SPY)
+0.58
Moderate correlation
Nasdaq 100 (QQQ)
+0.48
Moderate correlation
Bitcoin (BTC)
+0.24
Weak correlation
Gold (XAU)
+0.02
Weak correlation
Check Custom Correlation
How does any other asset move with ALLY? One year of daily closes, Pearson correlation.
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ALLY Trade Plans
Specific entry, exit, and risk management levels
Select Your Trade Bias
Risk Tolerance
Conservative
2%
Aggressive
Portfolio Value
$
Position Size: Enter portfolio size →
Long entry pick an entry style
Conservative
$38.01
2% below current price (Pullback entry)
Lower risk, wait for pullback
Aggressive
$38.79
Buy at current price
Higher risk, immediate entry
Risk Management
STOP LOSS
$36.72
MAX LOSS
-3.4%
Volatility-Adjusted Stop Loss
Calculated based on RSI (12.7) and current market volatility
Profit Targets (Based on Conservative Entry)
TARGET 1
$39.91
+5% (Conservative)
+2.9% (Aggressive)
TARGET 2
$41.82
+10% (Conservative)
+7.8% (Aggressive)
TARGET 3
$43.72
+15% (Conservative)
+12.7% (Aggressive)
Consider scaling out: Take 50% profit at Target 1, 30% at Target 2, let 20% run to Target 3
Calculate Your Trade
Disclaimer
This AI-generated trade plan for ALLY is for educational and informational purposes only and does not constitute financial advice. The analysis is based on historical data patterns and technical indicators which may not predict future results. Stock trading involves risk of loss. Verify all data independently and consult a qualified financial advisor. Generated on September 26, 2026.Growth of $10,000
A $10,000 investment in ALLY in September 2016 would be worth about $20,589 today, compared with about $36,004 for the same investment in the S&P 500 benchmark.
Compare with Another Ticker
Monte Carlo Projection (10yr)
CleaRank's 10-year Monte Carlo simulation projects that a $10,000 investment in ALLY today could grow to about $20,315 by 2036 in the base case, with a bull case near $101,368 and a bear case around $4,071. Projections are statistical simulations, not guarantees.
ALLY Stock Price Prediction: 2030
CleaRank's simulation projects a price near $51.50 for ALLY by 2030 in the base case, from $38.79 today (1.3x over 4 years). The downside path ends near $18.63. These are outcomes of a Monte Carlo simulation run on ALLY's historical return distribution, not price targets, and they assume no dividends are reinvested.
| Year | Downside (10th pct) | Base case | Upside (90th pct) |
|---|---|---|---|
| 2027 | $25.05 | $41.64 | $69.22 |
| 2028 | $21.78 | $44.70 | $91.72 |
| 2029 | $19.89 | $47.98 | $116 |
| 2030 | $18.63 | $51.50 | $142 |
| 2031 | $17.74 | $55.29 | $172 |
| 2032 | $17.09 | $59.35 | $206 |
| 2033 | $16.60 | $63.71 | $244 |
| 2034 | $16.24 | $68.39 | $288 |
| 2035 | $15.98 | $73.41 | $337 |
| 2036 | $15.79 | $78.80 | $393 |
Method: 10,000 simulated price paths using ALLY's historical volatility and drift, re-run daily. The base case is the median path; the two outer columns are the 10th and 90th percentile outcomes, which widen with time because uncertainty compounds. Simulations are not guarantees, and past volatility does not predict future returns. This is analysis, not investment advice.
People Also Watch
ALLY Insider Trading Analysis
Bought
$1.7M
3 Transactions
Sold
$3.7M
5 Transactions
Insiders
20
Active Traders
Avg Transaction
$676.2K
Moderate size
| Date | Insider | Type | Shares | Value |
|---|---|---|---|---|
| Feb 21, 2019 | BROWN JEFFREY JONATHAN
Chief Executive Officer
|
Sell | 97.3K | $2.6M |
| Apr 17, 2026 | TIMMERMAN DOUGLAS R.
Officer
|
Sell | 39.7K | $1.8M |
| Apr 5, 2021 | DEBRUNNER DAVID J.
Officer
|
Sell | 27.5K | $1.3M |
| Oct 22, 2025 | PATTERSON KATHLEEN L.
Officer
|
Sell | 29.0K | $1.2M |
| Jun 1, 2021 | BROWN JEFFREY JONATHAN
Chief Executive Officer
|
Sell | 15.0K | $831.8K |
| Sep 1, 2021 | BROWN JEFFREY JONATHAN
Chief Executive Officer
|
Sell | 15.0K | $793.8K |
| Dec 1, 2021 | BROWN JEFFREY JONATHAN
Chief Executive Officer
|
Sell | 15.0K | $696.3K |
| Nov 16, 2020 | DEBRUNNER DAVID J.
Officer
|
Sell | 22.5K | $693.3K |
| Nov 29, 2018 | DEBRUNNER DAVID J.
Officer
|
Sell | 25.0K | $658.8K |
| Sep 2, 2021 | STENGEL SCOTT A
General Counsel
|
Sell | 12.5K | $656.1K |
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Frequently Asked Questions
Is Ally Financial Inc. stock a buy right now?
Ally Financial Inc. (ALLY) is currently rated a Buy with a consensus score of 78. The median analyst price target is $55.00, suggesting a 41.8% upside from the current price of $38.79. While technically oversold, its strong fundamentals and positive analyst sentiment support a buy recommendation.
What is Ally Financial Inc.'s fair value?
Ally Financial Inc.'s fair value is estimated at $55.00, with a potential upside of 41.8% from its current trading price of $38.79. This valuation is supported by strong earnings performance and favorable sector comparisons.
What are the key risks for Ally Financial Inc. stock?
Key risks for Ally Financial Inc. (ALLY) include its current bearish technical trend, trading below key moving averages, and a moderate insider selling signal. Broader sector downturns or macroeconomic shifts could also negatively impact the stock.
How has Ally Financial Inc. performed in recent earnings reports?
Ally Financial Inc. (ALLY) has consistently beaten EPS estimates in its last three reported quarters. The most recent quarter to June 2026 saw a 6.36% EPS surprise, following an 18.09% surprise in the prior quarter, indicating strong operational execution.
What is the outlook for Ally Financial Inc. over the next year?
The outlook for Ally Financial Inc. (ALLY) is positive, with analysts projecting revenue growth of 26.1% for the current quarter and 37.3% for the next quarter. The company's strong fundamentals and positive analyst sentiment suggest potential for price appreciation towards the median target of $55.00.
How does Ally Financial Inc. compare to its sector peers?
Ally Financial Inc. (ALLY) trades at a P/E ratio of 9.13, significantly below the Financial Services sector median of 16.5. Its price-to-sales ratio of 1.49 is also lower than the sector average of 3.8, indicating a potentially undervalued position relative to its peers.
What is Ally Financial Inc.'s stock price forecast for 2030?
Based on Monte Carlo simulations, Ally Financial Inc.'s (ALLY) stock price is projected to be $51.50 in 2030 under a base case scenario, with a downside projection of $18.63 and an upside projection of $142.35. These are statistical outcomes, not guaranteed price targets.