ALLY Stock Analysis: Buy, Sell, or Hold?
ALLY - Ally Financial Inc.
$45.25
-0.32 (-0.70%)
▼
5d:
-0.42%
30d:
+5.85%
90d:
+15.37%
BUY
MODERATE Confidence
Analysis Updated: Jun 23, 2026 12:00 AM ET
Earnings: Jul 21, 2026
27d
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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 0.5% annual growth which appears achievable. Moderate conviction.
💡 BUY OPPORTUNITY: ALLY shows positive signals but monitor for confirmation. Market pricing in 0.5% 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
$81.58
Based on 13.0% avg growth
INTRINSIC VALUE TODAY
$50.66
10.7% 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 $45.25, which is considered extended relative to its 30-day fair value range of $41.69 to $44.45. 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 0.5% 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. Immediate support is located at $41.60, while resistance sits at $47.19.
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 $54.11 (+18.7%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, ALLY is in a uptrend. Immediate support is located at $41.60, while resistance sits at $47.19.
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 $54.11 (+18.7%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$41.69 -
$44.45
Company Quality Score
59/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
60.5%
All Signals
- BEARISH: Price extended above range
- BULLISH: Strong technical setup (75/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($54.11)
- NEUTRAL: Market pricing in 0.5% annual earnings growth - fairly valued
Trading Range Analysis
30-Day Trading Range
$41.69 -
$44.45
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$41.60
Resistance Level
$47.19
Current Trend
Uptrend
Technical data as of
Jun 23, 2026
Fundamental Context
Forward P/E (Next Year Est.)
7.03
Wall Street Target
$54.11
(+18.7%)
Revenue Growth (YoY)
19.7%
Earnings Growth (YoY)
265.4%
Profit Margin
18.2%
Valuation Premium vs History
+0.5% premium
PE vs Historical
7.0 vs 6.9
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+0.5%
(market-implied from PE analysis)
1-Year Target
$45.80
(+1%)
2-Year Target
$46.03
(+1%)
3-Year Target
$46.26
(+2%)
3-Yr Target (if PE normalizes)
(PE: 7→7)
PE COMPRESSION
$45.40
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.8, Growth: 21.9%)
$255.69
(+461%)
Base:
(SPY PE: 7.0, Growth: 21.9%)
$82.53
(+81%)
Bear:
(PE: 6.0, Growth: 21.9%)
$70.15
(+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: 11.04 | Current EPS (TTM): $4.12
Bull Case
$78.73
(+73%)
Analyst growth 57.3%, PE expands to 12.2
Base Case
$71.58
(+57%)
Market implied 57.3%, PE stable at 11.0
Bear Case
$30.93
(-32%)
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: June 23, 2026 3:24 PM ET
Data refreshes hourly during market hours. Next update: 4:24 PM
Data refreshes hourly during market hours. Next update: 4:24 PM
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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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