Ally Financial (ALLY) Stock: Buy, Sell, or Hold?
$38.18
+0.51 (+1.35%)
â˛
5d:
-3.0%
30d:
+1.54%
90d:
-14.39%
QUANTITATIVE VERDICT
WAIT
LOW Confidence (72%)
Quality Score
53/100
Position
FAIR
30-Day Fair Range
$37.52 â $38.88
Position: FAIR
Forward P/E & Valuation
6.3x
FAIR
vs 6.8x historical avg
Wall Street Target
$47.34
+25.7% upside
Options IV & Volume
HIGH Vol
HIGH volume confirmation
Support / Resistance
$37.41 / $40.44
Trend: Strong Downtrend
Executive Thesis & Bottom Line
Forward Earnings Fair Value & Price Prediction →
âšī¸ NEUTRAL: ALLY is fairly priced but lacks strong directional signals. At -2.6% expected growth, valuation appears fair. Wait for clearer setup or better entry on dips.
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Interactive Price Chart (1 Month)
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Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$71.71
Based on 12.1% avg growth
INTRINSIC VALUE TODAY
$44.53
14.3% 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 6.8x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: ALLY is currently trading at $38.18, which is considered fair relative to its 30-day fair value range of $37.52 to $38.88. The stock's valuation (Forward PE: 6.3) is in line with its historical norms (6.8). Remarkably, the market is currently pricing in an annual earnings decline of 2.6% over the next few years. This pessimistic expectation contrasts with the company's recent 10.2% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, ALLY is in a strong downtrend. The price is currently testing key support at $37.41. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock scores a mixed 45/100 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 $47.34 (+25.7%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, ALLY is in a strong downtrend. The price is currently testing key support at $37.41. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock scores a mixed 45/100 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 $47.34 (+25.7%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
FAIR
Historical Trading Range
$37.52 -
$38.88
Company Quality Score
53/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
72.4%
Trading Range & Key Levels
30-Day Trading Range
$37.52 -
$38.88
Current vs Trading Range
FAIR
Support Level
$37.41
Resistance Level
$40.44
Current Trend
Strong Downtrend
Technical data as of
Nov 10, 2026
Quantitative Signal Breakdown
- NEUTRAL: Price in fair range
- NEUTRAL: Mixed technical signals (45/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 25.7% below Wall St target ($47.34)
- WARNING: Composite score 53/100 in the bottom quintile â this cohort historically lags the market
Fundamental Context
Forward P/E (Next Year Est.)
6.27
Wall Street Target
$47.34
(+25.7%)
Revenue Growth (YoY)
5.0%
Earnings Growth (YoY)
10.2%
Profit Margin
18.6%
Valuation Discount vs History
-2.6% cheaper
PE vs Historical
6.3 vs 6.8
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-2.6%
(market-implied from PE analysis)
1-Year Target
$36.69
(-3%)
2-Year Target
$35.74
(-5%)
3-Year Target
$34.81
(-8%)
3-Yr Target (if PE normalizes)
(PE: 6â7)
$37.76
(+0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 20.1%)
$206.64
(+449%)
Base:
(SPY PE: 6.3, Growth: 20.1%)
$65.22
(+73%)
Bear:
(PE: 5.3, Growth: 20.1%)
$55.44
(+47%)
đ
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (9x PE), but valuation improves significantly next year (6x PE) as earnings recover.
Trailing PE: 8.82 | Current EPS (TTM): $4.37
Bull Case
$58.28
(+55%)
Analyst growth 37.5%, PE expands to 9.7
Base Case
$52.98
(+41%)
Market implied 37.5%, PE stable at 8.8
Bear Case
$26.20
(-30%)
Severe decline -20.0%, PE contracts to 7.5
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
đĄ
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 6.3 to 6.8
Stabilization Target:
$40.86
(+8.5%)
PE Expansion Potential:
+8.5%
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bloggers & journalists: you are free to use our charts with attribution.Reddit & Retail Trader Sentiment (ALLY)
Bullish
2 Retail Mentions
Reddit / WSB Comments
1
Bearish
StockTwits Volume
1 msgs
24h retail stream
Last Tracked
Nov 11, 2026
Daily AI digest
AI Retail Discussion Summary:
Ally Financial's CFO, Russ Hutchinson, is scheduled to present at the J.P. Morgan Financials Conference on November 20, 2026.
Key Retail Themes:
Upcoming conference presentation
Aggregated from r/wallstreetbets, r/stocks & StockTwits streams.
View All Trending Reddit & WSB Stocks →
Last updated: November 11, 2026 1:33 PM ET
Data refreshes hourly during market hours. Next update: 2:33 PM
Data refreshes hourly during market hours. Next update: 2:33 PM
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Technical Signals Check
Is ALLY showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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