Ally Financial

ALLY · NYSE

$37.97+$0.38 (+1.01%)TodayMarket closed · Oct 20, 4:05 PM ET

Prev close $37.59

ALLY analyst rating

BuyConsensus of 15 analysts over the last 12 months. 80% rate it a buy.

Strong buy1
Buy11
Hold3
Underperform0
Sell0

12-month price target · 20 analysts

Average $53.10 (+39.9% upside)

Low: $42.42
Now: $37.97
High: $60.90

Upgrades and downgrades

The latest rating actions, newest first

ALLY analyst upgrades, downgrades and rating actions
Firm	Date	Action	Rating	Price target	Hit rate
Morgan Stanley	Oct 12, 2026	Downgrade	Overweight → Equal-Weight	$55.00 → $43.00	52%
JP Morgan	Oct 12, 2026	Maintains	Overweight	$48.00 → $43.00	56%
RBC Capital	Oct 9, 2026	Maintains	Outperform	$55.00 → $50.00	30%
Raymond James	Oct 6, 2026	Maintains	Strong Buy	$55.00 → $52.00	39%
TD Cowen	Oct 6, 2026	Maintains	Buy	$55.00 → $54.00	51%
UBS	Oct 5, 2026	Maintains	Buy	$54.00 → $50.00	39%
Wells Fargo	Sep 30, 2026	Downgrade	Overweight → Equal-Weight	$55.00 → $42.00	56%
Citigroup	Sep 25, 2026	Maintains	Buy	$58.00 → $50.00	40%
Truist Securities	Sep 23, 2026	Maintains	Buy	$51.00 → $50.00	59%
Raymond James	Sep 2, 2026	Initiates	Market Perform → Strong Buy	$55.00	39%

The case for and against

Updated Oct 7, 2025

Bull case

Ally Financial demonstrates a stable growth trajectory in its consumer auto loan portfolio, which slightly increased to $83.9 billion, indicating resilience in a key segment of its business. The firm is expected to benefit from an improving margin and enhancements in retail auto credit, driving higher returns and earnings through 2025. Additionally, Ally's core insurance line showed strong performance with a year-over-year increase of approximately 5.5% to $364 million, further contributing to the diversification and stability of its revenue streams.

Bear case

Ally Financial has experienced a decline in net financing revenues, which decreased 2.1% sequentially to $1.48 billion, primarily due to slight reductions in earning assets despite a marginal increase in margins. Additionally, the commercial auto loan portfolio shrank by 5.9% to $21.6 billion, indicating potential weakness in demand within this segment. The company's reliance on the auto industry's health presents significant risk, as any deterioration in credit conditions or asset quality could lead to increased provisions for loan losses, thereby compromising earnings potential and capital stability.

Information on this page is provided for informational purposes only and is not a recommendation to buy, sell or hold any security. Investing involves risk, including possible loss of principal. Market data is delayed at least 15 minutes and is provided without warranty. Analyst ratings, price targets and company data come from third-party sources. Past performance does not guarantee future results.