Ally Financial (ALLY)
NYSEFinancialsFinancial - Credit ServicesSnapshot 2026-10-30
$38.17-3.71%
Close 2026-10-30 · 1-day change
NYSEFinancialsFinancial - Credit ServicesSnapshot 2026-10-30
Research Workspace
Put ALLY beside peers and holdings, graph the same metric, and keep your notes with the evidence.
Daily closes. Earnings/event dots are placed inline.
Industries move in repeating boom-and-bust cycles. This shows where this stock’s industry sits in that cycle, stage by stage (recovery → expansion → supercycle → steady → deceleration → contraction), from its fundamentals (orders, revenue, capital spending), not the stock’s price.
A booming industry is a tailwind for the names in it; a contracting one is a headwind. Companies in the same industry tend to rise and fall together with the cycle, the way a tide lifts and lowers every boat in the harbor at once, so a large part of a stock’s swing can come from where its industry sits rather than from the company itself. It’s context for reading the company’s results, not a buy/sell call. Full explanation →
Consumer Finance is in steady. Describes the industry's cycle state, not a call on this stock.
The stage band shows the industry’s cycle over the chart’s timeline (each color a stage); a ▼ marks a quarter its growth inflected down — amber is an unconfirmed watch, red is confirmed the next quarter. Use “Overlay cycle on chart” to tint the price chart by stage. The industry’s fundamentals, not a signal on this stock.
The reason to own it still holds.
View ThesisRevenue growth is accelerating — up about 12% over the past year.
View GrowthRanks in the weakest quality tier of its industry — roughly the bottom 26%, softest on free-cash-flow margins.
View QualityMiddle-of-the-pack management execution.
View ManagementExpectations look reasonable — what the market is pricing in sits in line with or below what analysts forecast.
View ValuationModerate volatility — typically moves about 1% a day.
View RiskAlly’s case rests on sustaining core earnings and returns, supported by strong cash-backed profits and recent revenue growth. Revenue growth slowed from 36% to 10% to 8% year over year; the latest quarter beat consensus. Ally trades at 1× book value versus 1× for its own history and 1× for peers. The price reflects less growth than our forecast, despite the modest peer valuation. A 24% next-quarter miss probability and pressure on lease residuals are risks to earnings. Peer multiples imply a price about 18% above where it trades; our read remains intact, and this read is provisional.
Trailing returns as of 2026-10-30. ALLY is total return (includes dividends); the S&P 500 benchmark is price return (the index excludes dividends).
Based on 20 analysts currently covering ALLY (as of Oct 2026).
Based on 10 Wall Street analysts offering 12-month price targets for ALLY in the last 4 months.
Continue this research
Compare ALLY with peers and holdings, graph the same reported metric, keep your questions beside the evidence, and return when the facts change.
Compare now without an account. Saving and monitoring require an account.
| Compare | Company | Living FV | P/E | Revenue % | Quality |
|---|---|---|---|---|---|
| ALLY Selected company | Graph | Compare | Trend | Review | |
| Peer Add a competitor | Graph | Compare | Trend | Review | |
| Holding Compare a holding | Graph | Compare | Trend | Review |
Selected metric trend
Quarterly · checked companies · value or % of revenue
A consensus fair price across 9 valuation methods, at three horizons. As of 2026-10-30. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
Today's peer multiple on trailing earnings, with no growth credited. This is the headline read.
Adds projected growth, so it leans optimistic by design. Read it as upside context, not a base case.
A price-focused, side-by-side fair-value read versus Consumer Finance — fair value, gap to price, and forward P/E.
Compare the value case
Put ALLY next to peers and holdings, compare Living FV and multiples, then graph the driver behind the difference.
Advances: Strengthen capital and return it to shareholders
A 17% dividend increase supports shareholder returns and signals confidence, but is incremental to the thesis.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
End-of-day figures as of 2026-10-30. EPS is implied from price ÷ P/E. Not investment advice.
Current $38.17
The last 12 months of price, then the range of analyst 12-month targets from today’s $38.17.
Analyst ratings and price targets are third-party Wall Street estimates, not QuarterlyIQ’s view. Not investment advice.
A long-thesis check that carries the widest uncertainty of the three horizons.
Above average on quality vs scored peers
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
Advances: Sustain and grow core earnings and returns
Higher earning-asset growth outlook supports expansion, while NIM guidance indicates continued earnings discipline.
Advances: Sustain and grow core earnings and returns
Reported turnaround progress and a dividend increase support earnings recovery and shareholder returns.
Downgrade indicates potential headwinds from interest rate concerns.
Advances: Sustain and grow core earnings and returns
Loyalty program enhances customer retention and earnings potential.
Advances: Sustain and grow core earnings and returns
Guidance reaffirmation and margin gains offsetting lease pressure support earnings resilience.
Threatens: Maintain strong retail deposit growth and funding stability
Digital outage may impact retail deposit growth and funding stability.
Outage raises concerns about operational reliability and customer trust.