ALLY Stock Analysis: Buy, Sell, or Hold?
ALLY - Ally Financial Inc.
$45.32
-0.76 (-1.65%)
▼
5d:
-2.16%
30d:
+7.47%
90d:
+13.96%
BUY
MODERATE Confidence
Analysis Updated: Jul 2, 2026 12:00 AM ET
Earnings: Jul 21, 2026
16d
Get Alerted When ALLY Hits Your Target Price
Join 10,000+ traders who never miss a move
You're in! Check your email to confirm and set your target price.
100% Free
No spam, ever
Unsubscribe anytime
Interactive Price Chart (1 Month)
Loading chart...
Loading historical data...
Bottom Line:
💡 BUY OPPORTUNITY: ALLY shows positive signals but monitor for confirmation. Market pricing in 0.2% annual growth which appears achievable. Moderate conviction.
💡 BUY OPPORTUNITY: ALLY shows positive signals but monitor for confirmation. Market pricing in 0.2% annual growth which appears achievable. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$82.00
Based on 13.1% avg growth
INTRINSIC VALUE TODAY
$50.92
11.0% Margin of Safety
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 6.9x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: ALLY is currently trading at $45.32, which is considered slightly high relative to its 30-day fair value range of $42.44 to $45.98. The stock's valuation (Forward PE: 7.0) is in line with its historical norms (6.9). At these levels, the market is pricing in 0.2% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, ALLY is in a uptrend. The price is currently testing key support at $44.69. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: ALLY has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $53.58 (+18.2%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, ALLY is in a uptrend. The price is currently testing key support at $44.69. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: ALLY has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $53.58 (+18.2%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
SLIGHTLY HIGH
Historical Trading Range
$42.44 -
$45.98
Company Quality Score
55/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
74.8%
All Signals
- BULLISH: Strong technical setup (75/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($53.58)
- NEUTRAL: Market pricing in 0.2% annual earnings growth - fairly valued
Trading Range Analysis
30-Day Trading Range
$42.44 -
$45.98
Current vs Trading Range
SLIGHTLY HIGH
Support & Resistance Levels
Support Level
$44.69
Resistance Level
$47.29
Current Trend
Uptrend
Technical data as of
Jul 2, 2026
Fundamental Context
Forward P/E (Next Year Est.)
6.99
Wall Street Target
$53.58
(+18.2%)
Revenue Growth (YoY)
19.7%
Earnings Growth (YoY)
265.4%
Profit Margin
18.2%
Valuation Premium vs History
+0.2% premium
PE vs Historical
7.0 vs 6.9
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+0.2%
(market-implied from PE analysis)
1-Year Target
$45.41
(+0%)
2-Year Target
$45.50
(+0%)
3-Year Target
$45.59
(+1%)
3-Yr Target (if PE normalizes)
(PE: 7→7)
PE COMPRESSION
$45.04
(-1%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.8, Growth: 22.1%)
$257.41
(+468%)
Base:
(SPY PE: 7.0, Growth: 22.1%)
$82.56
(+82%)
Bear:
(PE: 5.9, Growth: 22.1%)
$70.17
(+55%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (11x PE), but valuation improves significantly next year (7x PE) as earnings recover.
Trailing PE: 11.18 | Current EPS (TTM): $4.12
Bull Case
$79.82
(+76%)
Analyst growth 57.5%, PE expands to 12.3
Base Case
$72.57
(+60%)
Market implied 57.5%, PE stable at 11.2
Bear Case
$31.33
(-31%)
Severe decline -20.0%, PE contracts to 9.5
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: July 04, 2026 1:52 AM ET
Data refreshes hourly during market hours. Next update: 2:52 AM
Data refreshes hourly during market hours. Next update: 2:52 AM
🔥 Top Stocks Breaking Out Now
| Ticker | Score | Recommendation | Change % |
|---|
Technical Signals Check
Is ALLY showing a specific setup today?
Insider Activity (6 Months)
3
Buys
1
Sells
+
Net
INSIDERS SELLING
Recent Transactions
Douglas R Timmerman
SELL
39675 shares
2026-04-17
Ro Khanna
BUY
2026-02-12
Russell E Hutchinson
BUY
11566 shares
2026-01-27
Top Rated Credit Services Stocks
Top-rated stocks in Credit Services by analyst ratings.
| Stock | Analyst Consensus | Analyst Target | Tradestie Score |
|---|---|---|---|
|
V
Visa Inc. Class A |
STRONG BUY
41 analysts |
$399 | 58 HOLD |
|
MA
Mastercard Inc |
STRONG BUY
42 analysts |
$645 | 61 BUY |
|
COF
Capital One Financial Co… |
STRONG BUY
23 analysts |
$255 | 65 BUY |
|
PYPL
PayPal Holdings Inc |
HOLD
47 analysts |
$52 | 56 HOLD |
|
AFRM
Affirm Holdings Inc |
STRONG BUY
24 analysts |
$84 | 60 HOLD |
