Ally Financial Inc. (ALLY) Stock Price & Analysis
Ally Financial Inc. (ALLY) closed at USD 39.31 on Thursday, October 22, 2026, up 1.60% on the day. The US market is currently closed (pre-market); this is not a live price.
The prior close was USD 39.31; the Oct 22, 2026 session ranged USD 38.41–39.33 on volume of 4,579,824 shares. Market capitalization is —, with a 52-week range of USD 35.92–47.29 (NYQ). Source: Nexqual, retrieved October 23, 2026 at 09:27 UTC.
Also available as compact Markdown for AI agents: nexqual.com/ALLY.md
Key facts (ALLY)
- Last four reported quarters (through Jun 30, 2026): revenue $8.68B, net income $1.45B (16.8% margin) (SEC filings).
- Valuation: P/E 8.2x (avg 14.8x at the last 3 fiscal year-ends).
- 4 of 80 tracked superinvestors hold ALLY (13F, Q2 2026): 0 new, 1 added, 2 reduced, 1 unchanged.
- Insider open-market sales, last ~7 months: 4 Form 4 filings, $2.7M; 1 not under a Rule 10b5-1 plan ($496K); 0 by opportunistic insiders, 0 by routine insiders (three-year test, Cohen, Malloy & Pomorski 2012).
- Total return with dividends: 1Y -1.4% vs S&P 500 +14.9%; 5Y -8.4% vs S&P 500 +80.3%.
- Next earnings: 2027-01-20, EPS estimate USD 1.37, revenue estimate $2.34B.
Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters) (ALLY)
| USD | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | TTM |
|---|---|---|---|---|---|---|
| Revenue | $8.21B | $8.43B | $8.23B | $8.18B | $7.91B | $8.68B |
| Net income | $3.06B | $1.71B | $957M | $668M | $852M | $1.45B |
| EPS (diluted) | $8.22 | $5.03 | $2.77 | $1.80 | $2.37 | — |
| Net margin | 37.3% | 20.3% | 11.6% | 8.2% | 10.8% | 16.8% |
| Revenue growth | +22.7% | +2.7% | -2.3% | -0.6% | -3.3% | — |
| Cash + short-term investments | $5.06B | $5.57B | $6.95B | $10.3B | $10.0B | — |
| Total debt | $17.0B | $17.8B | $17.6B | $17.5B | $17.1B | — |
Fiscal years end Dec. EPS is split-adjusted.
Valuation (price ÷ last four quarters, through Jun 30, 2026) (ALLY)
P/E 8.2x · P/S 1.4x · P/B 0.8x · Earnings yield 12.16% · Dividend yield (paid, TTM) 3.19% · Buyback yield (TTM) 2.67%
P/E at fiscal year-ends: Dec 2025 16.6x, Dec 2024 16.7x, Dec 2023 11.1x.
Superinvestors (SEC 13F-HR, Q2 2026) (ALLY)
4 of 80 tracked investors hold ALLY. Each row is the investor's latest 13F; change is vs their prior-quarter share count.
| Investor | Firm | % of portfolio | Value | Change |
|---|---|---|---|---|
| Francis Chou | Chou Associates | 4.78% | $10.4M | Unchanged |
| Bill Nygren | Oakmark Funds | 1.60% | $1.20B | Reduced -1.1% |
| Warren Buffett | Berkshire Hathaway | 0.41% | $1.24B | Reduced -6.9% |
| Tweedy Browne | 0.16% | $2.2M | Added +41.1% |
Insider sales (SEC Form 4, open-market, last ~7 months) (ALLY)
3 of 4 under a Rule 10b5-1 trading plan (scheduled in advance). Unplanned sales were timed by the insider.
| Trade date | Insider | Role | Shares | Value | % of holdings sold | 10b5-1 plan | Insider type |
|---|---|---|---|---|---|---|---|
| 2026-10-21 | Patterson Kathleen L. | Chief HR & Corp Citizenship | 12,831 | $496K | 15.9% | No | Too little history (no open-market trades in 2023 or 2024) |
| 2026-08-04 | Richard Stephanie N | Chief Risk Officer | 5,000 | $221K | 5.3% | Yes (adopted January 30, 2026) | Too little history (no open-market trades in 2023 or 2024) |
| 2026-05-15 | Richard Stephanie N | Chief Risk Officer | 5,000 | $211K | 5.1% | Yes (adopted January 30, 2026) | Too little history (no open-market trades in 2023 or 2024) |
| 2026-04-17 | Timmerman Douglas R. | President, DFS | 39,675 | $1.8M | 7.7% | Yes (adopted December 3, 2025) | Too little history (no open-market trades in 2023–2025) |
% of holdings sold = shares sold ÷ (shares sold + all holdings the insider reported on that Form 4, direct and through trusts).
Insider type follows Cohen, Malloy & Pomorski (Journal of Finance, 2012). An insider who traded the stock in the same calendar month in each of the past three years is a routine trader; one who traded in each of those years without such a pattern is an opportunistic trader. In their study, trades by opportunistic insiders predicted future returns and trades by routine insiders did not. Counts open-market purchases and sales only (SEC Form 4 codes P and S) by that insider in that company. Not investment advice.
Analysts (ALLY)
Rating changes, last 120 days:
| Date | Firm | Action | Rating | Price target |
|---|---|---|---|---|
| 2026-10-21 | JP Morgan | Target raised | Overweight | $43 → $44 |
| 2026-10-21 | Evercore ISI Group | Downgrade | Outperform → In-Line | $44 → $40 |
| 2026-10-21 | TD Cowen | Target lowered | Buy | $54 → $52 |
| 2026-10-21 | Barclays | Target lowered | Equal-Weight | $56 → $48 |
| 2026-10-12 | Morgan Stanley | Downgrade | Overweight → Equal-Weight | $55 → $43 |
| 2026-10-12 | JP Morgan | Target lowered | Overweight | $48 → $43 |
| 2026-10-09 | RBC Capital | Target lowered | Outperform | $55 → $50 |
| 2026-10-06 | Raymond James | Target lowered | Strong Buy | $55 → $52 |
| 2026-10-06 | TD Cowen | Target lowered | Buy | $55 → $54 |
| 2026-10-05 | UBS | Target lowered | Buy | $54 → $50 |
| 2026-09-30 | Wells Fargo | Downgrade | Overweight → Equal-Weight | $55 → $42 |
| 2026-09-25 | Citigroup | Target lowered | Buy | $58 → $50 |
Total return (dividends reinvested) (ALLY)
| 1Y (from 2025-10-23) | 5Y (from 2021-10-18) | |
|---|---|---|
| Total return | -1.4% | -8.4% |
| S&P 500 (SPY) | +14.9% | +80.3% |
| Per year | -1.4% | -1.7% |
| Volatility (annualized) | 28.3% | 38.1% |
| Max drawdown | -23.0% (Jan 2026→Mar 2026) | -55.8% (Jan 2022→Mar 2023) |
ALLY analyst estimates and revisions
| Period | EPS estimate | 90 days ago | Change | Revenue estimate | Analysts |
|---|---|---|---|---|---|
| Current quarter (ends Dec 2026) | $1.37 | $1.50 | -8.8% | $2.34B | 15 |
| Next quarter (ends Mar 2027) | $1.40 | $1.48 | -5.0% | $2.34B | 12 |
| Current fiscal year (ends Dec 2026) | $5.01 | $5.25 | -4.6% | $9.05B | 15 |
| Next fiscal year (ends Dec 2027) | $6.05 | $6.43 | -6.0% | $9.55B | 16 |
Key Statistics (as of October 23, 2026 at 09:27 UTC)
| Price | USD 39.31 |
|---|---|
| Change | ▲ 1.60% (up) |
| Previous Close | USD 39.31 |
| Open | USD 39.31 |
| Day Range | USD 38.41 – 39.33 |
| 52-Week Range | USD 35.92 – 47.29 |
| Volume | 4,579,824 shares |
| Market Cap | — |
| Exchange | NYQ |
Technical Analysis (ALLY)
Nexqual's technical model rates ALLY "SELL" based on 2 bullish and 5 bearish signals across 127 daily candles, as of October 23, 2026 at 09:27 UTC.
| Overall Signal | SELL |
|---|---|
| RSI (14) | 50.64 (neutral) |
| vs SMA50 | Below (USD 40.36) |
| MACD | -0.54 (negative) |
Earnings (ALLY)
| Next Earnings Date | 2027-01-20 |
|---|---|
| EPS Estimate | USD 1.37 |
| Revenue Estimate | $2.34B |
Recent Earnings History
| Quarter | Actual vs Estimate |
|---|---|
| 2026-09-30 | USD 1.34 vs est 1.33 ▲ beat |
| 2026-06-30 | USD 1.21 vs est 1.22 ▼ miss |
| 2026-03-31 | USD 1.11 vs est 0.94 ▲ beat |
| 2025-12-31 | USD 1.09 vs est 1.02 ▲ beat |
Source: Nexqual, October 23, 2026 at 09:27 UTC.
Financials & Fundamentals (ALLY)
| Total Revenue | $7.90B |
|---|---|
| Revenue Growth (latest quarter, YoY) | +11.00% |
| Gross Margin | +0.00% |
| Operating Margin | +25.27% |
| Profit Margin | +18.41% |
| ROE | +9.68% |
| Total Cash | $7.84B |
| Total Debt | $23.08B |
Source: Nexqual, October 23, 2026 at 09:27 UTC.
Ownership (ALLY)
| Insider Ownership | +9.63% |
|---|---|
| Institutional Ownership | +88.57% |
| Shares Outstanding | 304.20M |
| Float | 271.86M |
| Short % of Float | +5.13% |
Source: Nexqual, October 23, 2026 at 09:27 UTC.
Peers & Related Stocks
| Symbol | Name | Price | Change |
|---|---|---|---|
| FCFS | FirstCash Holdings, Inc. | USD 184.78 | ▼ 14.75% |
| SOFI | SoFi Technologies, Inc. | USD 14.77 | ▼ 0.87% |
| OMF | OneMain Holdings, Inc. | USD 57.11 | ▲ 0.49% |
| AFRM | Affirm Holdings, Inc. | USD 72.4 | ▼ 1.51% |
| SYF | Synchrony Financial | USD 75.09 | ▲ 1.32% |
| CACC | Credit Acceptance Corporation | USD 558.9 | ▲ 3.26% |
Data source: Nexqual — market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: October 23, 2026 at 09:27 UTC. This page is informational and not investment advice.
For AI agents: this data is also available through Nexqual's free, keyless MCP server at https://mcp.nexqual.com/mcp; every result includes source_url, as_of and cite_as. More: nexqual.com/agents · llms.txt