Insider buying last 90 days
No open-market insider purchases were filed for ALLY in the last 90 days.
From Form 4 filings, dated to when each was filed.
Every ALLY insider filing, plotted on the chart in Gekko.Open ALLY in Gekko
NYSE: ALLY
Ally Financial (ALLY) Stock Analysis & Forecast
Sep 28 close
$38.19−0.60 (−1.5%)
Gekko Brief
AI summaryAlly Financial's week features continued reaction to its second-quarter results, which showed adjusted EPS of $1.21, up 22% year over year, and adjusted net revenue of $2.3 billion, up 10%, with growth concentrated in retail auto and corporate finance. Analyst attention followed: Citigroup maintained its Buy rating while cutting its price target to $50.00 from $58.00, and the stock carries a consensus "Moderate Buy" rating from seventeen analysts, alongside separate coverage showing 12 buy and 3 hold ratings among 15 firms with a consensus target of $53.23. Additional coverage touched on workplace recognition, including a fourth consecutive year on Fortune's 100 Best Companies to Work For list, and talk of extending the Charlotte FC sponsorship.
Shares closed at $38.19, down 1.5%, sitting below both the 50-day average of $42.61 and the 200-day average of $42.80, with the 50-day below the 200-day. The stock has fallen 10.6% over one month and 19.2% over three months, though it remains up 1.1% over six months. The GekkoIndex reads 72.7, placing it in the Buying zone, and the price sits 18.5% below Gekko Fair Value of $46.86.
Ally's next earnings report is due 20 October 2026, before the open, 21 days away and inside a typical 20-trading-day holding window; its last report produced a 1.9% reaction versus a 4.6% average absolute move. Options activity shows 7 unusual signals in the last 30 days, with call premium of $3,396,012 outweighing put premium of $575,749. Seasonally, the next 20 trading days have averaged -4.6% over 5 years, rising in 1 of them.
Written by AI and checked automatically against the figures on this page. Generated Sep 29, 2026 from the data above.
Ally Financial price vs fair value
Close $38.19200-day averageGekko Fair Value $46.86
Ally Financial quick facts
- Market cap
- $11.62B
- P/E ratio
- 9.1
- Forward P/E
- 6
- EPS, TTM
- $4.25
- Revenue, TTM
- $7.90B
- Profit margin
- 18.4%
- Dividend yield
- 3.10%
- Beta
- 1.07
- Volume
- 3.37M avg 3.46M
- 1-year return
- −6.5%
- Typical daily move
- ±2.5%
- Typical 20-day move
- ±6.3%
- 50-day average
- $42.61
- 200-day average
- $42.80
- Next earnings
- Oct 20 before open
- Shares outstanding
- 304.2M
Ally Financial swing-trade checklist
Ally Financial scores 3 supportive, 0 mixed and 3 headwinds across the 6 checklist items with data.
Six things swing traders check before a 20-day hold, read from the latest data.
3 supportive0 mixed3 headwinds
- Trendheadwind
Below 50 and 200-day
Close $38.19 is below the 50-day ($42.61) and 200-day ($42.80) averages, and the 50-day is below the 200-day.
See the chart - GekkoIndexsupportive
72.7, Buying
Reading 72.7 is in the Buying zone.
See the GekkoIndex - Fair valuesupportive
18.5% below
Price is 18.5% below Gekko Fair Value (more than 5% below).
See fair value - Smart moneysupportive
Leans bullish
Last 30 days: 7 unusual options signals.
See smart money - Earnings riskheadwind
Reports in 21 days
Reports on Oct 20, 2026, 21 days away — inside a typical 20-trading-day hold.
See earnings - Seasonalityheadwind
−4.6% on average
From this point in the calendar, the next 20 trading days averaged −4.6% over 5 years, rising in 1 of them.
See seasonality
A description of current data, not a recommendation. How this page works
Ally Financial stock chart and price history
Ally Financial closed at $38.19 on Sep 28, 2026, −6.5% over the past year, inside a 52-week range of $35.92 to $47.29.
Close50-day average200-day averageVolume
Use the left and right arrow keys to read daily values.
Performance Breakdown
- 1 month
- −10.6%
- 3 months
- −19.2%
- 6 months
- +1.1%
- 1 year
- −6.5%
The full ALLY chart adds GekkoIndex, insider, options, Congress and hedge fund markers, plus TrendCandles™.Open ALLY in Gekko
Follow Ally Financial through every session
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About Ally Financial
Ally Financial provides digital financial services to individual customers, businesses, and corporate clients across the United States and Canada. It has built recognition around vehicle financing, offering loans, leases, and retail installment contracts to consumers along with floorplan financing, credit lines, and remarketing services for dealers, fleets, and municipalities.
The company organizes its work into four areas. Alongside automotive finance, it runs an insurance operations unit that sells vehicle service and maintenance contracts, asset protection products, and commercial coverage to dealers; a mortgage finance unit that acquires jumbo and low-to-moderate income loans and offers direct-to-consumer mortgages; and a corporate finance unit that extends secured cash flow loans, asset-based lending, and commercial real estate products to middle-market firms, including those in healthcare. It also offers commercial banking, securities brokerage, and investment advisory services.
Ally Financial is based in Detroit, Michigan, and traces its founding to 1919, having operated previously as GMAC Inc. before adopting its current name in 2010. Its shares are listed on the NYSE under the ticker ALLY.
- Listed
- NYSE
- Sector
- Finance
- Industry
- Finance/Rental/Leasing
- Website
- ally.com
Ally Financial GekkoIndex: the smart money zone
Ally Financial’s GekkoIndex — Gekko’s 0 to 100 smart money score — reads 72.7, in the Buying zone, up 1.1 points over five sessions.
72.7Buying
Up 1.1 points over five sessions.
Reading for Sep 28, 2026
What followed past readings in each zone
| Zone | Readings | 5 days | 20 days | ||
|---|---|---|---|---|---|
| Buying (current zone) | 28 | +2.5% | +3.7% | ||
| Accumulation | 221 | +0.6% | +3.1% | ||
| Neutral | 376 | 0.0% | 0.0% | ||
| Distribution | 46 | −1.7% | −5.4% | ||
| Selling | 1 | Too few readings yet | |||
Average ALLY share-price change over the trading days after each daily reading in its GekkoIndex history. Across every stock Gekko tracks, Buying readings averaged +3.2% over 20 days. Past behaviour doesn’t guarantee future results.
Buying zone: Smart money likely accumulating heavily. About the five zones →
See every daily GekkoIndex reading plotted over the ALLY price, zone by zone.Track ALLY in Gekko
Is Ally Financial stock overvalued? Gekko Fair Value
Ally Financial trades 18.5% below Gekko Fair Value of $46.86, so the shares are undervalued on Gekko’s estimate.
Gekko’s own estimate of what Ally Financial shares are worth, recalculated every trading day.
$46.86
Gekko Fair Value, Sep 29, 2026
18.5% Undervalued
Gekko Fair Value on every chart, with the gap to price updating daily.Open ALLY in Gekko
Ally Financial insider and Congress trading
No open-market insider purchases were filed for Ally Financial, and no Congress trades were disclosed, in the last 90 days.
Plus buybacks, unusual options and fund positions, each dated to when it became public.
Congress trades last 90 days
No trades in ALLY were disclosed by members of Congress in the last 90 days.
From congressional disclosures, which report amounts as ranges.
Congress disclosures for ALLY, plotted on the chart in Gekko.Open ALLY in Gekko
Buybacks
Ally Financial has been buying back its own shares.
- Bought back, quarter ended Jun 30, 2026
- $148.0M
- As a share of market cap
- 1.27%
- Trailing four quarters
- $319.0M
From company filings.
Unusual options activity last 30 days
7signals, 86% of the flagged premium in calls.
Latest: Bullish flow on Sep 24, $312K in unusual premium.
Hedge funds and billionaires quarter ended Jun 30
1of the funds Gekko tracks holds ALLY.
0added0opened1trimmed0sold out
Every signal with its contract, strike and premium, and which funds are on each side.Unlock in Gekko
Ally Financial earnings: next date and track record
Ally Financial reports on Oct 20, 2026, before the open (21 days away), and beat the EPS estimate in 7 of its last 8 reports.
Next earnings report
Oct 20, 2026
Expected before the open, 21 days away
- EPS estimate
- $1.42
- Revenue estimate
- $2.32B
7 of 8reports beat the EPS estimate
±4.6%average move across the report
3 of 8reports followed by a gain
Share-price move across each report
Last earnings call, Jul 21, 2026 AI summary
- What they said
- Ally Financial reported a solid second quarter with adjusted EPS of $1.21 (up 22% YoY), adjusted net revenue of $2.3 billion (up 10% YoY), core ROTC of 11.8%, and NIM (ex-OID) of 3.63% (up 11 bps sequentially). Management highlighted asset growth concentrated in retail auto and corporate finance (retail auto and corporate finance assets up ~8% YoY) and continued margin expansion. CECL reserve builds increased provision expense to $430 million primarily due to strong origination growth, creating an incremental ~$30 million CECL build (~$0.08 EPS headwind). Management emphasized disciplined expense management (adjusted noninterest expense up 5% YoY) producing positive operating leverage, and continued capital strength (CET1 up 20 bps YoY) enabling >$300 million in share repurchases since authorization. Management described broad-based momentum across core franchises, a “measured” approach to growth and underwriting given macro uncertainty, and confidence in the path to higher returns driven by lower auto losses, higher NIM and disciplined expense and capital management.
- Guidance
- - Net charge-off guidance held at 1.8% to 2.0% for the year (management views midpoint as appropriate base case). - Management expects portfolio-originated yield to be supported and portfolio yield to be stable over the next few quarters; NIM is expected to continue increasing toward their high-threes destination over time. - Expense guide for the year is unchanged (management implies modest single-digit growth; commentary implies roughly ~3% growth from here to meet yearly guidance). - Capital: management is targeting fully-phased-in risk-based capital north of 9% and continues to repurchase shares (~$150M per quarter recent cadence), but provided no firm future repurchase commitments.
- Risks flagged
- - Macro uncertainty (energy/gas price volatility, consumer affordability) could affect delinquencies and credit performance. - Delinquencies remain elevated/stubborn despite low loss rates; CECL reserve builds from strong origination growth can pressure near-term EPS. - Vehicle market dynamics (model-specific issues, EV/hybrid adoption shifts) could impact used vehicle prices and residual values. - Corporate finance lumpiness and idiosyncratic loan losses (large legacy charge-offs) can create volatility in reserves and results.
| Reported | EPS | Revenue | Move |
|---|---|---|---|
| Jul 21, 2026 | $1.21 est $1.25 | $2.28B est $2.22B | −1.9% |
| Apr 17, 2026 | $1.11 est $0.94 | $2.10B est $2.14B | +10.3% |
| Jan 21, 2026 | $1.09 est $1.01 | $2.12B est $2.14B | −1.0% |
| Oct 17, 2025 | $1.15 est $1.00 | $2.37B est $2.11B | +5.3% |
| Jul 18, 2025 | $0.99 est $0.81 | $2.28B est $2.04B | −3.5% |
| Apr 17, 2025 | $0.58 est $0.42 | $1.76B est $2.03B | −6.5% |
| Jan 22, 2025 | $0.78 est $0.57 | $2.24B est $2.02B | +5.0% |
| Oct 18, 2024 | $0.95 est $0.53 | $2.29B est $2.03B | −3.3% |
“Move” is the close of the first session after the report compared with the close of the last session before it, so it reads the same whether the company reported before the open or after the close.
Ally Financial stock forecast and analyst price targets
Analysts’ average 12-month price target for Ally Financial is $53.23, +39.4% from the last close, from 15 firms rating the stock in the last 90 days.
$53.23consensus 12-month target, +39.4% from the last close
Now $38.19Avg $53.23
Low $0.16High $58
Each firm’s latest rating in the last 90 days: 15 firms.
Latest analyst actions
| Date | Firm | Target | vs price |
|---|---|---|---|
| Sep 25 | Citi | $50 | +30.9% |
| Sep 24 | DBS | $0.16 | −99.6% |
| Sep 23 | Truist Financial | $50 | +30.9% |
| Sep 18 | Barclays | $56 | +46.6% |
| Sep 16 | Barclays | $56 | +46.6% |
+3.7%average 20-day move after past Buying readings
−4.6%average move over the next 20 trading days in the last 5 years
±2.5%typical daily move, from the 14-day average range
Gekko doesn’t publish price predictions. These are analyst targets and historical base rates, which don’t guarantee future results.
Ally Financial seasonality: the next 20 trading days
Over the next 20 trading days from Sep 29, Ally Financial averaged −4.6% across the last 5 years, rising in 1 of them.
Next 20 trading days, by year
Average move and hit rate
| Window | Average | Years higher |
|---|---|---|
| Next 5 trading days | +1.0% | 3 of 5 |
| Next 10 trading days | −0.7% | 3 of 5 |
| Next 15 trading days | −1.6% | 3 of 5 |
| Next 20 trading days | −4.6% | 1 of 5 |
| Next 30 trading days | −0.4% | 2 of 5 |
For scale, ALLY’s typical 20-trading-day move in either direction is about 6.3%.
Ally Financial market cap and key statistics
Ally Financial’s market cap is $11.62B, with a P/E ratio of 9.1 and revenue of $7.90B over the last twelve months.
Valuation
- Market cap
- $11.62B
- P/E ratio
- 9.1
- Forward P/E
- 6
- EPS, TTM
- $4.25
- Gekko Fair Value
- $46.86
Trading
- Volume
- 3.37M
- Avg volume, 20 days
- 3.46M
- 52-week high
- $47.29
- 52-week low
- $35.92
- Shares outstanding
- 304.2M
Financials
- Revenue, TTM
- $7.90B
- Profit margin
- 18.4%
- Return on equity
- 9.7%
- Quarterly earnings growth, YoY
- +13.5%
Risk and income
- Beta
- 1.07
- Typical daily move
- ±2.5%
- Typical 20-day move
- ±6.3%
- Dividend yield
- 3.10%
Ally Financial stock news this week
Coverage of Ally Financial this week reads positive: 9 positive, 2 neutral and 1 negative headlines.
- Charlotte FC and Ally Financial signal extension talks as sponsorshipThe Business Journals, Sep 28
- Ally Financial Earns Top National Honors for Innovation, Trust and Workplace Excellence in 2026Lelezard, Sep 26
- Ally Financial Inc. Acquires New Position in Apple Inc. $AAPLMarketBeat, Sep 26
- Ally Financial Inc. (NYSE:ALLY) Stock Now Rated “Moderate Buy” by Sell-Side AnalystsDefense World, Sep 26
- Ally Financial Inc Is Maintained at Buy by CitigroupMoomoo, Sep 25
- Ally Financial Inc. (ALLY) Stock ForecastsYahoo! Finance Canada, Sep 25
Ally Financial peers
Ally Financial’s 6 largest industry peers by market value, with today’s move, GekkoIndex zone and gap to Gekko Fair Value.
| Stock | GekkoIndex zone | vs Fair Value |
|---|---|---|
| VVisa | Neutral | 5.4% below |
| MAMastercard | Neutral | 6.5% below |
| AXPAmerican Express | Accumulation | 12.9% below |
| COFCapital One Financial | Accumulation | 14.8% below |
| URIUnited Rentals | Neutral | 9.0% below |
| RKTRocket Companies | Accumulation | 23.5% below |
A peer links to its own page where one exists.
Ally Financial stock FAQ
What is Ally Financial’s market cap?
Ally Financial’s market cap is $11.62B at the Sep 28, 2026 close of $38.19, with 304.2M shares outstanding. The shares trade on a P/E ratio of 9.1.
What is the Ally Financial stock forecast?
The consensus analyst 12-month price target for Ally Financial is $53.23, +39.4% from the last close. Of the 15 firms that rated the stock in the last 90 days, 12 rate it a buy, 3 a hold and 0 a sell. Gekko doesn’t publish price predictions of its own.
Is Ally Financial stock overvalued or undervalued?
On Gekko’s estimate Ally Financial is undervalued: the Sep 28, 2026 close of $38.19 is 18.5% below Gekko Fair Value of $46.86. Gekko Fair Value is recalculated every trading day, and a gap inside 5% either way counts as about fair value.
When does Ally Financial report earnings next?
Ally Financial is expected to report on Oct 20, 2026, before the market opens (21 days away). Analysts expect earnings of $1.42 per share on revenue of $2.32B. Ally Financial beat the earnings estimate in 7 of its last 8 reports, moving 4.6% on average across the report.
What is Ally Financial’s 52-week high and low?
Ally Financial’s 52-week high is $47.29 and its 52-week low is $35.92; it closed at $38.19 on Sep 28, 2026, −6.5% over the past year. Over the last five years the shares peaked at $56.28 on Oct 21, 2021.
Is Ally Financial stock a buy right now?
Gekko describes the data; it does not make buy or sell recommendations. On the swing-trade checklist, 3 of the 6 items with data read as supportive (gekkoindex, fair value and smart money) and 3 as headwinds (trend, earnings risk and seasonality). The checklist is a description of current data, not a recommendation.
Is there unusual options activity in Ally Financial?
Gekko flagged 7 unusual options signals in Ally Financial over the last 30 days, with $3.40M of flagged premium in calls and $576K in puts. The latest, bullish flow, was on Sep 24, 2026 with $312K in unusual premium. The signal-by-signal table is in Gekko.
How this page works
During US trading hours the price at the top of the page is a delayed quote, refreshed every 15 minutes; everything else is rebuilt after each US market close. The GekkoIndex, Gekko Fair Value and the checklist are Gekko’s own, and the Gekko Brief is written by AI from this page’s data and checked against it before it is published. How Gekko’s data works →
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