ALLY · NYSE · STOCK
Ally Financial (ALLY) Stock Analysis
$39.98
52W $35.92 – $47.29
67/100
$12.17B
9.3
1.07
⚠
Buy rating, but near-term risk/reward is unfavorable
The long-term recommendation is based on the composite investment score. The near-term risk/reward is based on nearby support and resistance levels. These can differ when a strong company trades close to resistance with support further below.
Is ALLY Bullish or Bearish?
Bullish.
Innellis AI committee rates Ally Financial (ALLY) Buy with a composite score of 67/100
, based on 5 analysts with 60% agreement.
Last updated September 21, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +8.25 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -11.75 from today. The band boundary is 60.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The committee is split. Analysts see this stock differently enough that the current rating reflects genuine uncertainty, not a weak signal.
Bull & Bear Case
Bull Case
- P/E of 8.4 is inexpensive for the broad market — Value
- Price-to-book of 0.9x is a discount to asset value — Value
- Dividend yield of 4.4% pays you to wait — Value
- Revenue growing 37.4% YoY -- genuine top-line momentum — Growth
- EPS growing 325.8% YoY — Growth
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
Bear Case
- RSI at 25 is in oversold territory (could mean either capitulation or a bounce setup) — Technical
- MACD histogram negative -- bearish momentum — Technical
- Price trading below the lower Bollinger Band -- stretched to the downside — Technical
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of September 21, 2026
Overall Committee Score
67/100
Agreement
60%
Analysts
5
Conviction
Moderate
Sector Rank
Top 15%
of 211 Financial Services peers
Value Analyst
bullish
80
/ 100 · Moderate confidence
Classic value case: cheap on multiples with earnings power to back it up
+ P/E of 8.4 is inexpensive for the broad market
Growth Analyst
bullish
85
/ 100 · High confidence
Strong, accelerating growth with consistent execution
+ Revenue growing 37.4% YoY -- genuine top-line momentum
Technical Analyst
neutral
46
/ 100 · High confidence
Mixed or range-bound price action
+ Weekly trend (sideways) confirms the daily trend -- multi-timeframe agreement
− RSI at 25 is in oversold territory (could mean either capitulation or a bounce setup)
Macro Analyst
bullish
65
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
News Analyst
neutral
58
/ 100 · Low confidence
News flow is mixed or quiet -- no strong signal either way right now
Portfolio Manager
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 2518.64)
Investment Thesis Evolution
Committee score moved marginally from 66.8 to 66.8.
Comparing 2026-09-20 to 2026-09-21 (1 day apart).
Technical Analysis
RSI (14)
25.1
Oversold
MACD Histogram
-0.201
Bearish Momentum
Trend Direction
Sideways
Weekly: Sideways
Market Structure
Mixed
Support
$37.97
Resistance
$40.19
Bollinger %B
-0.06
Below Lower Band
Price vs Moving Averages
EMA 9
$41.25
Below
EMA 21
$42.06
Below
EMA 50
$42.92
Below
EMA 200
$42.46
Below
Fundamental Analysis
Valuation
100
Growth
74
Profitability
38
Financial Health
29
Cash Flow
15
Valuation
P/E Ratio
9.3×
P/B Ratio
0.80×
PEG Ratio
0.05
Dividend Yield
3.00%
52W High
$47.29
52W Low
$35.92
Quality & Growth
ROE
549.8%
ROA
43.5%
Gross Margin
4970.0%
Operating Margin
1159.0%
Revenue Growth YoY
—
Debt / Equity
1.48
AI Fundamental Assessment
P/E ratio of 9.3 (inexpensive relative to a 15-40x range); Price-to-book of 0.8x; PEG ratio of 0.1 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 5.5%; Return on assets of 0.4%; Net margin of 9.2%; Gross margin of 49.7%; Current ratio of 0.90 (tight short-term liquidity); Debt-to-equity of 1.48; Free cash flow per share is negative (-1.97); Most recent quarter missed estimates by 3.4%; EPS growth accelerating (+1.8% -> +9.0% QoQ); Average YoY EPS growth of 22.2%; Analyst estimates rising over recent quarters
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