Ally Financial (ALLY)
Financials · Consumer Finance · NYSE
Ally Financial is a leading digital-first financial services firm and one of the largest automotive finance providers in the United States.
What Ally Financial does
Ally Financial is a diversified digital financial services company that operates primarily through a consumer-oriented bank and automotive finance platform. The company provides a wide range of financial services, including automotive lending, deposit products, insurance, and investment services to retail and commercial customers.
Themes: digital banking, automotive finance, consumer lending
Fundamentals
- Price$42.93 as of 2026-08-21 close
- Market cap$13.1B as of 2026-08-21
- 1-year return+11.7% 2025-08-21 close $38.45 → 2026-08-21 close $42.93
- P/E9.33 as of 2026-08-24
- Net margin+13.3% as of 2026-08-24
- ROE+9.4% as of 2026-08-24
- Debt / equity1.15 as of 2026-08-24
- Revenue growth (YoY)+37.4% as of 2026-08-24
- Revenue CAGR (3y)-2.1% SEC XBRL
- Beta1.11 as of 2026-08-24
- Last reported earnings2026-07-21 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +4.4%; at least 5 years of non-decreasing per-share dividends (SEC XBRL) — we do not hold the year before it, so the real streak may be longer.
How ALLY compares in its sector
- price-to-earnings ratiobottom 25% 525 covered Financials peers, as of 2026-08-24
- net profit marginmiddle range 538 covered Financials peers, as of 2026-08-24
- operating marginmiddle range 534 covered Financials peers, as of 2026-08-24
- return on equitymiddle range 575 covered Financials peers, as of 2026-08-24
- 3-year revenue CAGRbottom 25% 347 covered Financials peers
- indicated dividend yieldmiddle range 453 covered Financials peers, as of 2026-08-24
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Top 10 scores & list membership
ALLY is not currently in any published Top 10 list. Its scores are below.
Long-term score
53.1 #389 of 987 scored · #143 of 191 in Financials
Valuation 91st (price to book 0.8, price to earnings 9.2) and capital return 71st (consecutive years of dividend increases 5 years); weakest is financial health (33rd, debt to equity 1.1).
Short-term score
45.9 #1070 of 1,704 scored · #192 of 277 in Financials
Setup 68th: day-to-day price swings are narrower than usual versus its own recent 6-month history (tighter than about 89% of it); volume and participation 56th: trading volume is about normal versus its 30-day average; weakest is trend 32nd: a trend forming but not yet strong (ADX below 25).
Scores as of 21 Aug 2026. Each bar is a percentile: how this company ranked against every company the score ranked, 0–100. A list is a published formula and its output, not a recommendation. Method version 2.
Dividend coverage (FY2025)
Covered by reported results. In FY2025, ALLY's dividend was covered by reported results (earnings payout 44%, operating-cash-flow payout 10%). This describes past coverage, not a forecast.
- Earnings payout44% dividends / net income
- Operating-cash-flow payout10% dividends / operating cash flow — capital spending was not reported, so this does not subtract it
Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.
How Ally Financial looks technically
Ally Financial (ALLY) is trading 0.7% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 64 trading days ago — a "golden cross", a bullish long-term signal. A trend is forming but not yet strong — ADX, a 0–100 trend-strength gauge, is 21 (a reading of 25+ marks a strong trend). Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 43, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bearish about 3 trading days ago (its momentum flipped negative). It made a new 20-day low about 2 trading days ago.
Trend
9
| Distance from the 200-day | it is trading 0.7% above its 200-day average, the long-term trend line — a longer-term uptrend | +0.7% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $44.76 | $44.76 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $42.62 | $42.62 |
| Swing structure | each recent peak has been lower than the one before it and each dip deeper — the pattern chart-watchers call a downtrend, which describes where price has already been and not where it goes next | lower highs and lower lows |
| Last swing turn | its last significant turn was a swing high 16 calendar days ago — the swings before that are what the structure reading is measured on | 16 sessions |
| Wave structure | its recent swings can be read as a five-part downward sequence — what Elliott-wave chartists call an impulse — now in leg 3 of five; the labelling fails if price closes above 45.28. It is one of several labellings that fit, and it describes the swings already printed, not what comes next. The same swings also read as a three-part correction in leg C. | possible downward five-wave sequence, in wave 3 (one of several readings) |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 64 trading days ago — a "golden cross", a bullish long-term signal | 64 sessions |
| Above the 200-day after a dip | it recently dipped to its 200-day average (the long-term trend line) and has since climbed back above it — now about 0.7% above | +0.7% |
| Trend strength (14-day ADX) | a trend is forming but not yet strong — ADX, a 0–100 trend-strength gauge, is 21 (a reading of 25+ marks a strong trend) | 20.6 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 43, neither overbought (above 70) nor oversold (below 30) | 42.6 |
|---|---|---|
| Position in its 14-day range | it is trading in the lower half of its 14-day range ($41.98 to $45.28) — its "stochastic" reading is 29 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions. | 28.9 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, turned bearish about 3 trading days ago (its momentum flipped negative) | 3 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $47.29 | $47.29 |
|---|---|---|
| From the 52-week high | it is 9.2% below its 52-week high (its highest price of the past year) | -9.2% |
| Above the 52-week low | it is 19.5% above its 52-week low (its lowest price of the past year) | +19.5% |
| Below the 52-week high | it is 9.2% below its highest point of the past year | 9.2% |
| Since a 20-day breakout | it made a new 20-day low about 2 trading days ago | 2 sessions |
| Since a 55-day breakout | it made a new 55-day high about 39 trading days ago | 39 sessions |
| All-time high | its highest closing price on record is $56.61 (set on 2021-06-02) | $56.61 |
| Given back of the 52-week move | over the past year its closes ranged ($35.96 to $47.25), and it has given back roughly a third of its rise from last year’s low — 38% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $39.91 to $40.27. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 38.3% |
| From the all-time high | it is 24.2% below its all-time high | -24.2% |
| Nearest price level | it is trading 1.3% below a resistance level at $43.50 — a price it turned at four times since 2026-02-04, most recently on 2026-08-10. Since 2024-08-21 it has 10 such levels below the current price and 3 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | +1.3% |
| All-time low | its lowest closing price on record is $10.22 (set on 2020-03-18) | $10.22 |
| Above the all-time low | it is 320.1% above its all-time low | +320.1% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are narrower than usual versus its own recent 6-month history (tighter than about 89% of it) | 11th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.9688 between its high and its low — about 2.3% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $0.9688 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $42.45 and $45.17 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $42.45 – $43.81 – $45.17 |
| Typical daily range (% of price) | its price moves about 2.3% in a typical session — calmer than most companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 2.3% |
| Stretch from the 200-day average | it is trading 0.3 daily ranges above its 200-day average price (0.7% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 0.3 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 0.88× |
|---|
Analyst
2
| Change in the average price target | analysts' average price target is unchanged from the prior reading | 0.0% |
|---|---|---|
| Change in the consensus rating | the analyst consensus rating is unchanged since the prior reading | unchanged |
Candlestick patterns
1
| Since a doji | 6 sessions ago it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | 6 sessions ago |
|---|
Price gaps
1
| Gap at the open | it opened on 2026-08-21 0.8% above the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and had not traded back through that level by the close | +0.8% |
|---|
Price streaks
1
| Closing streak | it closed higher in its latest session, after a session that did not close higher — a single up day rather than a run | 1 session up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 5.7 percentage points (the stock lost 3.4% while the market gained 2.3%) | -5.7% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock lagged the market by 2.7 percentage points (the stock gained 0.4% while the market gained 3.1%) | -2.7% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 9.1 percentage points (the stock gained 1.9% while the market gained 11.1%) | -9.1% |
| vs market, 12 months | over the past 12 months this stock lagged the market by 8.8 percentage points (the stock gained 11.7% while the market gained 20.5%) | -8.8% |
Signal agreement
2
| Bullish technical signals | 2 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average — these describe past price behaviour, not a forecast | 2 of 9 |
|---|---|---|
| Bearish technical signals | 4 of the 9 technical signals we can compute for it are currently in a bearish state: a fresh 20-day low, MACD momentum is negative, lagging the market over 6 months, trading below the Ichimoku cloud — these describe past price behaviour, not a forecast | 4 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 2.3% below the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-07-16 and projected forward over today's price, the side traders read as an established downtrend, with the band above acting as the level that would have to be cleared. The band itself is moderate, spanning 2.0% of the share price. | -2.3% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 1% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $42.59 — a volume-weighted average of daily closes over 158 sessions, not a true tick-by-tick VWAP. | +0.8% |
|---|---|---|
| Vs the average paid since it last reported | the price is 2% below the average price paid since it last reported on 2026-07-21 (its 8-K), so the typical buyer over that stretch is under water. That average is $43.82 — a volume-weighted average of daily closes over 24 sessions, not a true tick-by-tick VWAP. | -2.0% |
Price levels it has turned at before
ALLY last closed at $42.93 on 2026-08-21. Since 2024-08-21 it has turned at 10 prices below its last close and 3 above; the 3 nearest below and the 3 nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $43.50 | Resistance | 1.3% above the last close | turned there four times · 2026-02-04 to 2026-08-10 |
| $42.34 | Support | 1.4% below the last close | turned there four times · 2025-09-05 to 2026-07-24 |
| $41.08 | Support | 4.3% below the last close | turned there four times · 2025-01-22 to 2026-06-03 |
| $44.98 | Resistance | 4.8% above the last close | turned there six times · 2025-09-19 to 2026-08-14 |
| $40.02 | Support | 6.8% below the last close | turned there 8 times · 2024-11-29 to 2026-03-25 |
| $46.94 | Resistance | 9.3% above the last close | turned there 7 times · 2025-12-12 to 2026-07-16 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
Its recent swings can be read as a five-part downward sequence — what Elliott-wave chartists call an impulse — now in leg 3 of five.
This labelling fails — stops being a possible reading at all — if it closes above $45.28.
This is one of several labellings that fit the same swings, so treat it as a reading rather than the reading. It was chosen from 2 labellings that survived the rules, counting shorter readings of the same bars.
On past moves of this shape the leg has usually ended somewhere between $37.85 and $40.69 — that is where it has tended to end if the count holds, not a forecast of where the price goes.
Alternate reading: The same swings also read as a three-part correction in leg C, which fails on a close above $45.28.
This labelling was already in place when we began recording count changes on 2026-08-13, so how long it has stood is not something we can say yet.
Read from daily closes as of 2026-08-21.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Near 200-day moving-average support · Trading above the 200-day moving average · Broke down to a new 20-day low · MACD just crossed bearish (12/26/9) · lagging the market · Trading at this year’s average price paid (anchored VWAP) | Learn: moving average · golden cross · adx · rsi · macd · breakout
Based on daily closing prices as of 2026-08-21. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Consensus ratingBuy (1.67 mean, 1=Strong Buy…5=Strong Sell) — 17 analysts
- Mean price target$53.70 range $45.00 – $58.00; median $55.00
Analyst estimates, as of 2026-08-24. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for ALLY
- Consensus EPS estimate$1.45 next reporting period, as of 2026-08-24
Change over time is not available yet: it needs two readings of the same reporting period at least 30 days apart, and we have been recording these estimates since 2026-08-04. An estimate for a DIFFERENT quarter is not a revision, so a reading from before the last report is never compared with one after it.
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["Fluctuations in credit quality and loan loss provisions","Interest rate volatility and its impact on net financing revenue","Intense competition within the consumer banking and automotive lending sectors"]
What changed in the latest 10-Q
AI-assisted comparison of ALLY's 10-Q filed 2026-05-05 against the prior one filed 2025-10-30.
Management's Discussion & Analysis (MD&A)
- Added:
- Added 'or other important factors' to risk factors introductory language (2026-05-05 filing)
- Removed:
- Removed 'or other important factors' from the opening phrase of risk disclaimers (2025-10-30 filing had different phrasing)
- Reworded:
- Changed 'geopolitical conditions' from 'political conditions' in first bullet point (2026-05-05)
- Changed 'commodity' added to financial markets language: 'securities, capital, commodity, or other financial markets' vs older 'securities, capital, or other financial markets' (2026-05-05)
- Changed 'purchasing power, creditworthiness,' added to business/consumer factors bullet (2026-05-05)
- Changed 'grow and optimize' to 'optimize' in automotive finance/insurance bullet (2026-05-05 removes 'grow and')
- Changed 'respond to pricing' from 'deal with pricing' in competitive pressures bullet (2026-05-05)
- Changed 'effectively respond to' from 'effectively deal with' in slowdowns/disruptions bullet (2026-05-05)
- Changed 'changing expectations' to 'or changing expectations' in supervisory scrutiny bullet (2026-05-05)
- Changed 'artificial intelligence' to 'AI' in technology bullet (2026-05-05)
- Notes:
- Newer filing text appears truncated at 'our ability to meet' suggesting content continues beyond provided excerpt
- Older filing text also appears truncated at 'policies and othe' suggesting content continues beyond provided excerpt
- Comparison limited to sections provided; full document changes may extend beyond these excerpts
Risk Factors
The two filings could not be meaningfully compared for this section.
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
0 open-market purchases and 1 open-market sale by insiders in the last 90 days.
- Last 30 days0 buys · 1 sell ($221168) — 1 selling insider
- Last 90 days0 buys · 1 sell ($221168) — 1 selling insider
- Last 180 days0 buys · 3 sells ($2M) — 2 selling insiders
Activity heuristic: net selling (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-08-04. As of 2026-08-24.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about ALLY's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Congressional trading disclosures
U.S. House members publicly disclose their own, their spouse's, and dependent children's stock transactions under the STOCK Act. We hold 1 matched disclosure for ALLY from U.S. House Clerk Periodic Transaction Report filings.
Congressional trading disclosures →Institutional ownership (13F)
5 institutional 13F filers reported holding ALLY as of 2026-03-31 (quarter-end position, filed within 45 days).
- Distinct 13F filers 5
- Reported shares held 71,295,874
- Reported value $2,796,937,138
reported quarterly holdings change (2025-12-31 → 2026-03-31): 0 new, 2 increased, 2 decreased, 2 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Short interest (FINRA)
ALLY had 13,172,041 shares of reported short interest as of the 2026-07-31 FINRA settlement date (delayed, bi-monthly; not real-time).
ALLY had 4.33% of its shares outstanding sold short as of the 2026-07-31 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 3.62 days to cover at the same settlement.
- Reported short interest (shares) 13,172,041
- Short interest (% of shares outstanding) 4.33%
- Prior settlement (shares) 13,148,821
- Reported change 0.18%
- Days to cover (reported) 3.62
Reported to FINRA as of the 2026-07-31 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- Capital One (COF)
- Discover Financial Services (DFS)
- American Express (AXP)
- Synchrony Financial (SYF)
- Wells Fargo (WFC)
- JPMorgan Chase (JPM)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
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Frequently asked questions
What does Ally Financial (ALLY) do?
Ally Financial is a diversified digital financial services company that operates primarily through a consumer-oriented bank and automotive finance platform. The company provides a wide range of financial services, including automotive lending, deposit products, insurance, and investment services to retail and commercial customers.
What sector is Ally Financial (ALLY) in?
Ally Financial (ALLY) is classified in the Financials sector. Its industry is Consumer Finance. It trades on NYSE.
Does ALLY pay a dividend?
Yes — Ally Financial (ALLY) pays a dividend, with an indicated yield of about 4.41% and at least 5 years of non-decreasing per-share dividends (SEC EDGAR XBRL) — we do not hold the year before it, so the real streak may be longer (market data, as of 2026-08-24). Informational only — not financial advice.
Who are Ally Financial's (ALLY) competitors?
Notable peers of Ally Financial (ALLY) include Capital One, Discover Financial Services, American Express, Synchrony Financial and Wells Fargo. This peer set is informational only — not financial advice.
Has there been recent Congressional stock trading in ALLY?
Yes — we hold 1 matched STOCK Act disclosure for ALLY from U.S. House Clerk Periodic Transaction Report filings. These are legally-required disclosures (often filed 30–45 days after the trade), may belong to a U.S. House member, their spouse, or a dependent child, and are not an indicator of company performance or investment advice.
Is Ally Financial (ALLY) overbought or oversold right now?
Ally Financial (ALLY) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 43, in the neutral middle (as of 2026-08-21). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on ALLY come from?
Fundamentals and prices come from market data, as of 2026-08-24; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: market data, as of 2026-08-24. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-08-21.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.