ALLY Stock Analysis: Buy, Sell, or Hold?
ALLY - Ally Financial Inc.
$43.72
-0.34 (-0.77%)
▼
5d:
+0.9%
30d:
-3.08%
90d:
-0.16%
HOLD
MODERATE Confidence
Analysis Updated: Aug 7, 2026 12:00 AM ET
Earnings: Oct 16, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: ALLY shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
📊 HOLD: ALLY shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$82.01
Based on 13.3% avg growth
INTRINSIC VALUE TODAY
$50.92
14.1% 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 $43.72, which is considered oversold relative to its 30-day fair value range of $43.76 to $45.99. The stock's valuation (Forward PE: 6.8) is in line with its historical norms (6.9). Remarkably, the market is currently pricing in an annual earnings decline of 0.6% over the next few years. This pessimistic expectation contrasts with the company's recent 13.5% 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 $42.73. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock scores a mixed 50/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $53.70 (+22.8%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, ALLY is in a uptrend. The price is currently testing key support at $42.73. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock scores a mixed 50/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $53.70 (+22.8%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$43.76 -
$45.99
Company Quality Score
54/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
79.5%
All Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (50/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 22.8% below Wall St target ($53.70)
- NEUTRAL: Bottoming setup forming (50/100) — watch for confirmation
Trading Range Analysis
30-Day Trading Range
$43.76 -
$45.99
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$42.73
Resistance Level
$45.28
Current Trend
Uptrend
Technical data as of
Aug 7, 2026
Fundamental Context
Forward P/E (Next Year Est.)
6.80
Wall Street Target
$53.70
(+22.8%)
Revenue Growth (YoY)
11.0%
Earnings Growth (YoY)
13.5%
Profit Margin
18.4%
Valuation Discount vs History
-0.6% cheaper
PE vs Historical
6.8 vs 6.9
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-0.6%
(market-implied from PE analysis)
1-Year Target
$43.46
(-1%)
2-Year Target
$43.20
(-1%)
3-Year Target
$42.94
(-2%)
3-Yr Target (if PE normalizes)
(PE: 7→7)
$43.60
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.2, Growth: 22.5%)
$239.25
(+447%)
Base:
(SPY PE: 6.8, Growth: 22.5%)
$80.37
(+84%)
Bear:
(PE: 5.8, Growth: 22.5%)
$68.32
(+56%)
📈
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: 10.52 | Current EPS (TTM): $4.19
Bull Case
$74.42
(+70%)
Analyst growth 53.5%, PE expands to 11.6
Base Case
$67.65
(+55%)
Market implied 53.5%, PE stable at 10.5
Bear Case
$29.96
(-32%)
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 6.8 to 6.9
Stabilization Target:
$44.39
(+1.5%)
PE Expansion Potential:
+1.5%
Share & Embed Analysis
Last updated: August 10, 2026 8:45 AM ET
Data refreshes hourly during market hours. Next update: 9:45 AM
Data refreshes hourly during market hours. Next update: 9:45 AM
🔥 Top Stocks Breaking Out Now
| Ticker | Score | Recommendation | Change % |
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Technical Signals Check
Is ALLY showing a specific setup today?
Insider Activity (6 Months)
1
Buys
1
Sells
0
Net
INSIDERS SELLING
Recent Transactions
Douglas R Timmerman
SELL
39675 shares
2026-04-17
Ro Khanna
BUY
2026-02-12
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