ALLY Stock Analysis: Buy, Sell, or Hold?
ALLY - Ally Financial Inc.
$45.12
-0.47 (-1.03%)
▼
5d:
-2.4%
30d:
+7.74%
90d:
+9.33%
BUY
MODERATE Confidence
Analysis Updated: Jul 13, 2026 12:00 AM ET
Earnings: Jul 21, 2026
7d
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Interactive Price Chart (1 Month)
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Bottom Line:
💡 BUY OPPORTUNITY: ALLY shows positive signals but monitor for confirmation. Market pricing in 0.1% decline. Moderate conviction.
💡 BUY OPPORTUNITY: ALLY shows positive signals but monitor for confirmation. Market pricing in 0.1% decline. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$82.32
Based on 13.0% avg growth
INTRINSIC VALUE TODAY
$51.11
11.7% 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 $45.12, which is considered fair relative to its 30-day fair value range of $43.56 to $46.37. The stock's valuation (Forward PE: 6.9) is in line with its historical norms (6.9). Remarkably, the market is currently pricing in an annual earnings decline of 0.1% 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 strong uptrend. Immediate support is located at $43.66, while resistance sits at $47.29.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $54.11 (+19.9%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, ALLY is in a strong uptrend. Immediate support is located at $43.66, while resistance sits at $47.29.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $54.11 (+19.9%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
FAIR
Historical Trading Range
$43.56 -
$46.37
Company Quality Score
56/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
70.0%
All Signals
- NEUTRAL: Price in fair range
- NEUTRAL: Mixed technical signals (40/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($54.11)
Trading Range Analysis
30-Day Trading Range
$43.56 -
$46.37
Current vs Trading Range
FAIR
Support & Resistance Levels
Support Level
$43.66
Resistance Level
$47.29
Current Trend
Strong Uptrend
Technical data as of
Jul 13, 2026
Fundamental Context
Forward P/E (Next Year Est.)
6.91
Wall Street Target
$54.11
(+19.9%)
Revenue Growth (YoY)
19.7%
Earnings Growth (YoY)
265.4%
Profit Margin
18.2%
Valuation Discount vs History
-0.1% cheaper
PE vs Historical
6.9 vs 6.9
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-0.1%
(market-implied from PE analysis)
1-Year Target
$45.07
(0%)
2-Year Target
$45.03
(0%)
3-Year Target
$44.98
(0%)
3-Yr Target (if PE normalizes)
(PE: 7→7)
PE COMPRESSION
$44.90
(-1%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.8, Growth: 22.0%)
$257.93
(+472%)
Base:
(SPY PE: 6.9, Growth: 22.0%)
$81.87
(+81%)
Bear:
(PE: 5.9, Growth: 22.0%)
$69.59
(+54%)
📈
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: 11.07 | Current EPS (TTM): $4.12
Bull Case
$79.45
(+76%)
Analyst growth 58.4%, PE expands to 12.2
Base Case
$72.22
(+60%)
Market implied 58.4%, PE stable at 11.1
Bear Case
$31.00
(-31%)
Severe decline -20.0%, PE contracts to 9.4
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: July 13, 2026 6:13 PM ET
Data refreshes hourly during market hours. Next update: 7:13 PM
Data refreshes hourly during market hours. Next update: 7:13 PM
🔥 Top Stocks Breaking Out Now
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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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