NYSEFinancialsCredit ServicesSnapshot 2026-07-31
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Create your account →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.
Primary pillar under pressure — Revenue at least $7.9 billion in 2025: metric not reported.
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 23%, 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 Financial's growth depends on increasing cash from operating activities. Recent earnings showed revenue growth of 10% year over year, but the latest quarter missed expectations. It trades at 0.9× price-to-book, while the peer median is 2.0×. This suggests the price reflects less growth than expected. A specific risk is the 21% chance of missing earnings in the next quarter. Peer multiples imply a price about 12% above where it trades. This read is provisional.
Trailing returns as of 2026-07-31. ALLY is total return (includes dividends); the S&P 500 benchmark is price return (the index excludes dividends).
Based on 18 analysts currently covering ALLY (as of Jul 2026).
Based on 7 Wall Street analysts offering 12-month price targets for ALLY in the last 4 months.
A consensus fair price across 9 valuation methods, at three horizons. As of 2026-08-01. 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.
Threatens: Sustain and grow core earnings and returns
Earnings miss raises concerns about sustaining core earnings.
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 2026-07-31. EPS is implied from price ÷ P/E. Not investment advice.
Current $43.33
The last 12 months of price, then the range of analyst 12-month targets from today’s $43.33.
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.
Below average on quality vs scored peers
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
Long-term concerns may hinder growth objectives.
Threatens: Improve net income
Earnings miss indicates struggles in improving net income.
Advances: Increase cash from operating activities
Highlights increased cash flow from operations.
Threatens: Increase cash from operating activities
EPS slip may hinder cash from operations growth.
Advances: Increase cash from operating activities
Q2 sales exceeding estimates supports growth objective.
Earnings report amid credit concerns may impact growth objectives.
Advances: Maintain consistent dividend payout
Prioritizing dividends aligns with capital allocation objective.
