ALLY Stock Analysis: Buy, Sell, or Hold?
ALLY - Ally Financial Inc.
$41.88
-1.47 (-3.39%)
▼
5d:
+2.32%
30d:
-2.01%
90d:
+13.65%
BUY
HIGH Confidence
Analysis Updated: Jun 10, 2026 12:00 AM ET
Earnings: Jul 17, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
✅ BUY SIGNAL: ALLY shows strong fundamentals and good volume confirmation. Solid entry point despite slightly low pricing.
✅ BUY SIGNAL: ALLY shows strong fundamentals and good volume confirmation. Solid entry point despite slightly low pricing.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$81.62
Based on 13.0% avg growth
INTRINSIC VALUE TODAY
$50.68
17.4% 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 $41.88, which is considered slightly low relative to its 30-day fair value range of $41.81 to $43.39. The stock's valuation (Forward PE: 6.5) is in line with its historical norms (6.9). Remarkably, the market is currently pricing in an annual earnings decline of 2.3% over the next few years. This pessimistic expectation contrasts with the company's recent 265.4% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, ALLY is in a uptrend. The price is currently testing key support at $40.93. A bounce from this level would confirm strength, while a break below could signal further downside. Short-term momentum is weak, with the stock down 3.4% recently.
Market Sentiment: ALLY has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $54.01 (+29.0%). 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 $40.93. A bounce from this level would confirm strength, while a break below could signal further downside. Short-term momentum is weak, with the stock down 3.4% recently.
Market Sentiment: ALLY has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $54.01 (+29.0%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
SLIGHTLY LOW
Historical Trading Range
$41.81 -
$43.39
Company Quality Score
55/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
85.7%
All Signals
- BULLISH: Price oversold vs 30-day range
- BULLISH: Strong technical setup (60/100)
- BULLISH: High volume confirmation
- BEARISH: Downward momentum (-3.4%)
- BULLISH: Trading 29.0% below Wall St target ($54.01)
Trading Range Analysis
30-Day Trading Range
$41.81 -
$43.39
Current vs Trading Range
SLIGHTLY LOW
Support & Resistance Levels
Support Level
$40.93
Resistance Level
$43.90
Current Trend
Uptrend
Technical data as of
Jun 10, 2026
Fundamental Context
Forward P/E (Next Year Est.)
6.46
Wall Street Target
$54.01
(+29.0%)
Revenue Growth (YoY)
19.7%
Earnings Growth (YoY)
265.4%
Profit Margin
18.2%
Valuation Discount vs History
-2.3% cheaper
PE vs Historical
6.5 vs 6.9
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-2.3%
(market-implied from PE analysis)
1-Year Target
$40.92
(-2%)
2-Year Target
$39.98
(-5%)
3-Year Target
$39.06
(-7%)
3-Yr Target (if PE normalizes)
(PE: 6→7)
$41.73
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.9, Growth: 21.9%)
$257.56
(+515%)
Base:
(SPY PE: 6.5, Growth: 21.9%)
$75.88
(+81%)
Bear:
(PE: 5.5, Growth: 21.9%)
$64.49
(+54%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (11x PE), but valuation improves significantly next year (6x PE) as earnings recover.
Trailing PE: 10.52 | Current EPS (TTM): $4.12
Bull Case
$75.06
(+79%)
Analyst growth 57.4%, PE expands to 11.6
Base Case
$68.24
(+63%)
Market implied 57.4%, PE stable at 10.5
Bear Case
$29.48
(-30%)
Severe decline -20.0%, PE contracts to 8.9
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 6.5 to 6.9
Stabilization Target:
$44.75
(+6.9%)
PE Expansion Potential:
+6.9%
Share & Embed Analysis
Last updated: June 11, 2026 8:44 AM ET
Data refreshes hourly during market hours. Next update: 9:44 AM
Data refreshes hourly during market hours. Next update: 9:44 AM
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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
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