Stock·NYSE·Financial Services
Ally Financial Inc. (ALLY)
- Market cap
- $11.46B
- P/E
- 9.09
- Dividend yield
- 3.18%
- Street target
- $50.00median of 18 analysts
- 52-week range
- $35.92 $47.29
The short version
Where ALLY stands today, in four lines, and what CleaRank Financial AI makes of it.
ALLY at a glance
Ally Financial Inc. (ALLY): Hold, 52/100 on CleaRank's AI score.
- Trend Down: the price is below both its 50- and 200-day moving averages ($40.80 and $42.25).
- Earnings ALLY beat estimates in 6 of its last 6 quarters, yet fell the next day after 3 of those beats.
- Insiders Insiders sold $3.7M and bought $1.7M over the last 18 months.
- Valuation P/E of 9.1 against 16.5 for the Financial Services sector: a discount to peers (-45%).
Figures as of October 17, 2026.
CleaRank Financial AI
CleaRank rates Ally Financial Inc. (ALLY) Hold, with a model score of 52/100.
Valuation lifts the score most: the P/E of 9.09 is 44.9% below the sector median (a discount to peers) and the P/S of 1.45 is 61.8% below the sector median. The trend holds it back most: the price is 10.82% below its 200-day average and 7.65% below its 50-day average, and the 50-day average is 3.43% below the 200-day. The 50-day average stands at $40.80 and the 200-day at $42.25. Over the past year the price fell 2.00%.
Only on CleaRank
Figures we compute ourselves from ALLY's own price, earnings and insider-filing history. Tap one to see it in context.
Price and trading
The chart, today's range and how far the price has moved over each period.
Trend checks
0/4Price above its 50-day average ›
The price of $37.68 is 7.7% below the 50-day simple moving average of $40.80.Price above its 200-day average ›
The price is 10.8% below the 200-day simple moving average of $42.25.50-day average above the 200-day ›
The 50-day average ($40.80) is 3.4% below the 200-day average ($42.25), the arrangement of a falling longer-term trend.In the upper half of its 52-week range ›
The price sits at 15% of its 52-week range, between $35.92 and $47.29.
ALLY share price
Pick a period: each tab shows how far ALLY has moved over it, to the last close.
Today's trading
Where ALLY sits inside today's range and its 52-week range.
Fundamentals
Valuation against the sector, and the revenue and earnings behind it.
Valuation and quality checks
5/5P/E below the sector median ›
The trailing P/E of 9.09 is 44.9% below the Financial Services median of 16.5.P/S below the sector median ›
The price-to-sales ratio of 1.45 is 61.8% below the sector median of 3.8.Profitable over the last 12 months ›
Net income over the last 12 months was $1.3B on revenue of $7.9B, a net margin of 16.8%.Beat estimates in most recent reports ›
ALLY beat the EPS estimate in 6 of its last 6 reports.Pays a dividend ›
The trailing dividend yield is 3.18%, or $1.20 a share a year.
Key statistics
The headline figures for ALLY.
As of October 17, 2026, ALLY trades at $37.68, with a market value of $11.46B, a P/E ratio of 9.09 and a dividend yield of 3.18%.
What the numbers say
CleaRank Financial AI's reading of ALLY's valuation, growth and risks.
Ally Financial Inc. (ALLY) trades at a P/E of 9.09, which is 44.9% below the 16.5 median for Financial Services stocks. That gap marks a discount to peers. On sales, ALLY trades at 1.45 times, 61.8% below the sector median of 3.8. Its market capitalisation stands at $11.5B.
With revenue growth of 11.00%, ALLY is 0.7 percentage points slower than the sector median of 11.7%. Profitability shows a net margin of 18.41% and an operating margin of 25.27%, with a return on equity of 9.68%, below the sector median of 13.8%. The balance sheet and payout round out the picture, with debt-to-equity of 0.01 and a trailing dividend yield of 3.18% ($1.20 a share a year).
$1.11 a share against a $0.94 estimate made the April 17, 2026 report a beat of 18.09%. The market agreed: the stock rose 2.07% the following session.
ALLY has topped the EPS estimate in all 6 of its recent reports, yet the stock fell after 3 of those 6 beats in the next session. For this fiscal year analysts expect EPS of $5.09, a rise of 33.6%, and $6.21 for next year.
Normal swings for ALLY run at about 1.25% a day. Until the price regains its moving averages, the trend works against holders. The price is 20.32% below its 52-week high of $47.29.
ALLY against the Financial Services sector
How ALLY compares with the median Financial Services stock CleaRank tracks.
Price to earnings vs sector: ALLY trades at a notable discount to sector peers (-45%), which may indicate undervaluation or specific company headwinds.
Return vs XLF: Since May 6, 2025, ALLY has gained 15.8% against a gain of 12.5% for XLF.
Performance against XLF
ALLY and the Financial Services sector fund over the same days.
Revenue and earnings
How much ALLY sells, and how much of it becomes profit.
Revenue growth: Revenue fell 1.4% in FY2025 to $8.8B, from $8.9B a year earlier.
Profit margin: The net margin was 9.7% in FY2025, up from 7.5% the year before.
Profitable: ALLY earned $852M in FY2025.
Earnings reality check
Did ALLY beat what analysts expected, and how did the stock react?
Earnings record: ALLY beat the analyst estimate in 6 of the last 6 quarters.
Market reaction: The stock fell in the first session after 3 of those 6 beats, so a beat has not been enough on its own.
| Report | Estimate | Actual | Surprise | First session | 5 sessions |
|---|---|---|---|---|---|
| Apr 17, 2026after close | $0.94 | $1.11 | +18.09% | +2.07% | -2.60% |
| Jan 21, 2026after close | $1.02 | $1.09 | +6.86% | -1.04% | -0.31% |
| Oct 17, 2025after close | $1.01 | $1.15 | +13.86% | +1.71% | +5.00% |
| Jul 18, 2025after close | $0.81 | $0.99 | +22.22% | -2.58% | -3.36% |
| Jan 22, 2025after close | $0.58 | $0.78 | +34.48% | +1.11% | -1.87% |
| Oct 18, 2024after close | $0.52 | $0.95 | +82.69% | -0.97% | -1.69% |
Reports after April 17, 2026 are not yet in our data.
As of October 17, 2026, ALLY has beaten the analyst EPS estimate in 6 of its last 6 reported quarters and fell in the first trading session after 3 of those beats; its most recent report in our data, on April 17, 2026, came in 18.09% above the estimate and the stock moved +2.07% in the first session.
The first session is the first full trading day on the news: the report day itself for a report before the open, the next day for one after the close. Surprise is actual EPS against the consensus estimate.
AI analysis and technicals
CleaRank's score and reasoning, the indicators behind it, and what the price moves with.
Momentum checks
1/3RSI not overbought or oversold ›
The 14-day RSI is 38.9, showing bearish momentum without being oversold.RSI above 50 ›
An RSI of 38.9 is below the 50 midpoint, so sellers have had the upper hand over the last 14 days.MACD line above zero ›
The MACD line is negative, so the 12-day average is below the 26-day average.
CleaRank AI analysis of ALLY
The score, the reasoning behind it, and what could move the price next.
ALLY's trend points down. The price of $37.68 sits 10.82% below its 200-day average of $42.25 and 7.65% below its 50-day average of $40.80. Near the bottom of its 52-week range, the stock is 4.90% above the low of $35.92, while it is 20.32% below the high of $47.29. The 50-day average is 3.43% below the 200-day, a gap that backs up the weakness rather than cutting against it.
The 14-day RSI of 38.9 is in the bearish zone, above the oversold line, and the MACD line is negative. The price is down over each of these periods: 6.52% over the past month, 17.44% over the past three months and 2.00% over the past year.
Earnings beat ›
The April 17, 2026 report beat the EPS estimate by 18.09%, and the share price rose 2.07% in the first session after it.
Source: Earnings report, April 17, 2026
Analyst downgrade ›
Morgan Stanley downgraded it to Equal-Weight from Overweight on October 12, 2026.
Source: Analyst action, Morgan Stanley, October 12, 2026
- Keep an eye on the two closest levels: the 20-day EMA at $38.32, just above the price, and the 52-week low at $35.92, just below it.
- The 14-day RSI reads 38.9, in the bearish zone, with the MACD line negative; readings above 70 or below 30 mark stretched momentum.
- ALLY beat estimates in 6 of the last 6 reports. After the April 17, 2026 report, the share price climbed 2.07% in the first session.
ALLY is in a downtrend, trading beneath both its 50-day average of $40.80 and its 200-day average of $42.25. Getting back above the 50-day would be the first sign of repair. Just above the price, the 20-day EMA at $38.32 is the nearest level to watch.
The next level below the price is the 52-week low at $35.92. With the RSI in the bearish zone, momentum still leans toward lower prices.
Technical indicators
Momentum and trend for ALLY, from its daily closes.
As of October 17, 2026, with ALLY at $37.68, its 14-day RSI is 38.9 (showing bearish momentum without being oversold), its 50-day simple moving average is $40.80 and its 200-day is $42.25.
Calculated by CleaRank on daily closes as of October 17, 2026: Wilder's 14-day RSI, 50- and 200-day simple moving averages, MACD line (12, 26).
What ALLY moves with
Correlation of daily returns over one year: +1 moves in step, 0 has no link, -1 moves the opposite way.
As of October 17, 2026, ALLY's 1-year correlation of daily returns is +0.57 with S&P 500 (SPY), +0.48 with Nasdaq 100 (QQQ), +0.22 with Bitcoin (BTC) and +0.04 with gold (XAU).
What Wall Street expects
The analysts' target range and how their ratings split.
Analysts checks
2/3Most analysts rate it a buy ›
14 of 18 analysts rate it a buy or strong buy, 4 a hold and 0 a sell.Median target above the price ›
The median 12-month target of $50.00 is 32.7% above the price.More buy ratings than three months ago ›
14 of 18 rate it a buy now, against 14 of 18 three months ago.
ALLY Wall Street View
12-month price targets
The price, $37.68, sits below every analyst's target.
Ratings
Recent rating actions
| Date | Firm | Action | Rating |
|---|---|---|---|
| Oct 12, 2026 | Morgan Stanley | Downgrade | Equal-Weight |
| Oct 12, 2026 | JP Morgan | Maintains | Overweight |
| Oct 9, 2026 | RBC Capital | Maintains | Outperform |
| Oct 6, 2026 | Raymond James | Maintains | Strong Buy |
| Oct 6, 2026 | TD Cowen | Maintains | Buy |
| Oct 5, 2026 | UBS | Maintains | Buy |
As of October 17, 2026, 18 Wall Street analysts cover ALLY: 14 rate it a buy or strong buy, 4 a hold and 0 a sell or strong sell. Their 12-month price targets range from $40.00 to $58.00, with a median of $50.00, 32.7% above the price of $37.68.
Source: TwelveData analyst consensus. Targets and ratings belong to the analysts, not to CleaRank.
A trade plan, if you want one
Entry, stop and target levels from the moving averages and recent volatility. Educational, not advice.
ALLY trade plan
Entry, stop and target levels, sized to your account. Change the bias or the risk and every level updates.
Entry Strategies pick an entry style
Risk management
Profit targets (Based on Conservative Entry)
These levels come from ALLY's moving averages and recent volatility, not from a forecast. Educational levels, not financial advice; the full disclaimer is at the foot of the page.
Risk profile
How much ALLY tends to move, against the market and on its own.
The long record
ALLY's worst falls and recoveries, what $10,000 became, and which months have been kind to it.
Track record checks
3/4Average daily move under 2% ›
The price has moved 1.25% on an average day (30-day standard deviation of daily returns).Recovered from its worst fall ›
The worst fall was 62.8%, from September 2019 to March 2020, regained by December 2020.Most 1-year holds ended higher ›
62% of 1-year holding periods in the last 10 years ended with a gain.Beat the S&P 500 since the chart begins ›
$10,000 invested in October 2016 is now worth $25,693, against $42,055 in the S&P 500 (SPY).
ALLY Drawdowns & Recovery
As of October 17, 2026, ALLY's worst peak-to-trough fall over the last 10 years with dividends reinvested was -62.8% (September 2019 to March 2020); it regained that peak by December 2020, 9 months after the low, and 62% of 1-year holding periods ended with a gain.
From weekly closing values with dividends reinvested. A drawdown is the fall from the highest value reached so far to a later low.
Growth of $10,000
What $10,000 put into ALLY in October 2016 is worth now, against the same amount in the S&P 500.
Against the market: ALLY trailed the S&P 500 over this period: $25,693 against $42,055.
A $10,000 investment in ALLY in October 2016 would be worth about $25,693 today with dividends reinvested, compared with about $42,055 for the same investment in the S&P 500 benchmark (also with dividends reinvested).
Seasonal patterns
Which calendar months have been kind to ALLY, and which have not.
Strongest month, January: an average of +9.34%, up in 8 of 10 years.
Weakest month, March: an average of -6.88%, up in 4 of 10 years.
This month, October: has averaged -1.47%, up in 3 of 9 years. Past seasonality does not repeat on schedule.
Over the last 10 years, ALLY's strongest calendar month has been January (average +9.34%, up in 8 of 10 years) and its weakest March (average -6.88%, up in 4 of 10 years).
Average return for each calendar month over the last 10 years, from weekly closing prices with dividends included.
Long-term scenarios
Thousands of simulated paths from the price history. A range of outcomes, not a forecast.
Monte Carlo projection
Thousands of simulated paths for $10,000 in ALLY, from its own past volatility. The shaded area holds 80% of them.
CleaRank's 10-year Monte Carlo simulation projects that a $10,000 investment in ALLY today could grow to about $18,863 by 2036 in the base case, with a 90th-percentile outcome near $94,157 and a 10th-percentile outcome around $3,779. The simulation models price only; at today's 3.18% yield, dividends would add to these figures. Projections are statistical simulations, not guarantees.
ALLY Stock Price Prediction: 2030
The same simulation in share prices, year by year.
CleaRank's simulation projects a price near $48.57 for ALLY by 2030 in the base case, from $37.68 today (1.3x over 4 years). The 10th-percentile path ends near $17.57. 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 | 10th percentile | Base case | 90th percentile | range base today |
|---|---|---|---|---|
| 2027 | $24.15 | $40.15 | $66.75 | |
| 2028 | $20.84 | $42.78 | $87.80 | |
| 2029 | $18.90 | $45.58 | $110 | |
| 2030 | $17.57 | $48.57 | $134 | |
| 2031 | $16.60 | $51.75 | $161 |
Method: a lognormal simulation of ALLY's own volatility and capped historical trend, re-run daily; base case is the median path, the outer columns the 10th and 90th percentiles.
Insider trading
What the people running the company have bought and sold.
ALLY insider trading
Shares the company's directors and officers bought and sold, from their own filings.
Month by month
Open-market purchases above the line, sales below.
Insider buying: Insiders bought $1.7M on the open market and sold $3.7M.
As of October 17, 2026, ALLY insiders reported 5 open-market sales worth $3.7M and 3 open-market purchases worth $1.7M over the last 18 months; grants and option exercises are not counted.
| Date | Insider | Type | Shares | Value |
|---|---|---|---|---|
| Aug 4, 2026 | Stephanie N. Richard
Officer
|
Sell | 5.0K | $221.2K |
| Jul 9, 2026 | Gunther Bright
Director
|
Grant | 300 | $13.8K |
| Jul 9, 2026 | Thomas P Gibbons
Director
|
Grant | 1.0K | $47.5K |
| Jul 9, 2026 | David Reilly
Director
|
Grant | 708 | $32.5K |
| May 15, 2026 | Stephanie N. Richard
Officer
|
Sell | 5.0K | $210.7K |
| May 15, 2026 | Gunther Bright
Director
|
Grant | 3.6K | $152.5K |
| May 15, 2026 | William H Cary
Director
|
Grant | 3.6K | $152.5K |
| May 15, 2026 | Mayree C. Clark
Director
|
Grant | 3.6K | $152.5K |
| May 15, 2026 | Kim S Fennebresque
Director
|
Grant | 3.6K | $152.5K |
| May 15, 2026 | Thomas P Gibbons
Director
|
Grant | 3.6K | $152.5K |
| May 15, 2026 | Michelle J. Goldberg
Director
|
Grant | 3.6K | $152.5K |
| May 15, 2026 | Franklin W Hobbs IV
Director
|
Grant | 6.1K | $257.5K |
| May 15, 2026 | Allan Perry Merrill
Director
|
Grant | 3.6K | $152.5K |
| May 15, 2026 | David Reilly
Director
|
Grant | 3.6K | $152.5K |
| May 15, 2026 | Brian H Sharples
Director
|
Grant | 3.6K | $152.5K |
| May 15, 2026 | Tracey Drake Weber
Director
|
Grant | 3.6K | $152.5K |
| Apr 17, 2026 | Douglas R. Timmerman
Officer
|
Sell | 39.7K | $1.8M |
| Apr 9, 2026 | Gunther Bright
Director
|
Grant | 348 | $13.7K |
| Apr 9, 2026 | Thomas P Gibbons
Director
|
Grant | 1.2K | $47.5K |
| Apr 9, 2026 | David Reilly
Director
|
Grant | 829 | $32.5K |
| Feb 3, 2026 | William Cadik Hall Jr
Officer
|
Grant | 27.5K | $1.2M |
| Feb 3, 2026 | Russell E. Hutchinson
Chief Financial Officer
|
Grant | 38.3K | $1.6M |
| Feb 3, 2026 | Austin Thomas Mcgrath
Officer
|
Grant | 27.9K | $1.2M |
| Feb 3, 2026 | Hope Mehlman
Officer
|
Grant | 23.4K | $990.0K |
| Feb 3, 2026 | Kathleen L. Patterson
Officer
|
Grant | 18.6K | $787.5K |
| Feb 3, 2026 | Michael George Rhodes
Chief Executive Officer
|
Grant | 99.3K | $4.2M |
| Feb 3, 2026 | Stephanie N. Richard
Officer
|
Grant | 19.0K | $802.5K |
| Feb 3, 2026 | Douglas R. Timmerman
Officer
|
Grant | 41.1K | $1.7M |
| Jan 27, 2026 | Russell E. Hutchinson
Chief Financial Officer
|
Buy | 11.6K | $499.3K |
| Jan 23, 2026 | Michael George Rhodes
Chief Executive Officer
|
Buy | 23.8K | $991.9K |
| Jan 9, 2026 | Gunther Bright
Director
|
Grant | 160 | $7.2K |
| Jan 9, 2026 | Thomas P Gibbons
Director
|
Grant | 1.0K | $47.5K |
| Jan 9, 2026 | David Reilly
Director
|
Grant | 718 | $32.5K |
| Nov 20, 2025 | Gunther Bright
Director
|
Grant | 2.0K | $77.8K |
| Nov 20, 2025 | Allan Perry Merrill
Director
|
Grant | 2.0K | $77.8K |
| Oct 22, 2025 | Kathleen L. Patterson
Officer
|
Sell | 29.0K | $1.2M |
| Oct 8, 2025 | Thomas P Gibbons
Director
|
Grant | 1.2K | - |
| Oct 8, 2025 | David Reilly
Director
|
Grant | 830 | - |
| Jul 14, 2025 | Thomas P Gibbons
Director
|
Grant | 1.1K | - |
| Jul 14, 2025 | David Reilly
Director
|
Grant | 835 | - |
| May 15, 2025 | William H Cary
Director
|
Grant | 4.3K | $152.5K |
| May 15, 2025 | Mayree C. Clark
Director
|
Grant | 4.3K | $152.5K |
| May 15, 2025 | Kim S Fennebresque
Director
|
Grant | 4.3K | $152.5K |
| May 15, 2025 | Thomas P Gibbons
Director
|
Grant | 4.3K | $152.5K |
| May 15, 2025 | Michelle J. Goldberg
Director
|
Grant | 4.3K | $152.5K |
| May 15, 2025 | Franklin W Hobbs IV
Director
|
Grant | 7.2K | $257.5K |
| May 15, 2025 | Marjorie Magner
Director
|
Grant | 4.3K | $152.5K |
| May 15, 2025 | David Reilly
Director
|
Grant | 4.3K | $152.5K |
| May 15, 2025 | Brian H Sharples
Director
|
Grant | 4.3K | $152.5K |
| Apr 30, 2025 | Stephanie N. Richard
Officer
|
Sell | 8.0K | $257.1K |
| Apr 22, 2025 | Russell E. Hutchinson
Chief Financial Officer
|
Buy | 8.2K | $252.7K |
Source: TwelveData, from SEC Form 4 filings
Questions people ask
Answered from the figures on this page, as of October 17, 2026.