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ALLY

Ally FinancialB
NYSE / Financial Services
Last Price
Quote time unavailable
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Current thesis
Q2 adjusted EPS rose 22% year over year, NIM improved to 3.63%, auto originations reached a record $13.3 billion, charge-offs improved, deposits remained durable, and capital return continued [#SEC-8K-2026-07-21]. Persistent execution could support recovery toward the reported target range.
Posture
Constructive
Lead driver
Sentiment
What changed
3 setup hits (3d) with net bullish as of 2026-09-07.
What can break
A reversal in NIM or retail deposit economics would weaken the funding-based rerating case.
Momentum
25
Value
55
Sentiment
78
Setup hits (3d)
3 · Net Bullish
AI TargetsBase $52.00 · Bull $62.00 · Bear $38.00Analysis 2026-07-24; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-09 • Model: HYBRID_IC_RP
AI Memo
As of 2026-07-24 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-09-09

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-09. Definitions

Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Bullish
Target $54.06
Why
Momentum25 · Δ7d +2.4
Value55 · Δ7d -0.1
Sentiment78 · Δ7d +6.1
So what
Strength-led posture (Net Bullish). Favor watchlist adds and disciplined entries.

Confirming evidence

  • • 3 setup hits (3d) with net bullish as of 2026-09-07.
  • • Sentiment remains the lead driver in the composite, 7D delta +6.1.

Contradictions & invalidation

  • • A reversal in NIM or retail deposit economics would weaken the funding-based rerating case.
  • • Adjusted Q2 EPS missed analyst expectations despite stronger year-over-year operating results.
  • • The adjusted EPS miss and BofA's post-print 2027 EPS reduction indicate that margin and earnings-growth assumptions remain contested.

Catalyst clock

2026-07-21

Q2 earnings showed operating strength but a modest EPS miss

Lead driver: Sentiment · See AI snapshot
Momentum
25
9% active weight
Current posture
7d trendImproving
Δ7d
+2.4
Δ21d
-8.0
Value
55
28% active weight
Current posture
7d trendFlat
Δ7d
-0.1
Δ21d
+0.0
Sentiment
78
62% active weight
Current posture
7d trendImproving
Δ7d
+6.1
Δ21d
+6.6
Why this grade

Composite grade B. Momentum 24.8 / Value 54.9 / Sentiment 78.3

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-07-24. Scenario method

B+
Bull case
20%
Probability
Target price
$62.00
Analysis reference price unavailable
Analysis 2026-07-24 · RankAlpha Sentiment Codex
Most likely
B
Base case
55%
Probability
Target price
$52.00
Analysis reference price unavailable
Analysis 2026-07-24 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$38.00
Analysis reference price unavailable
Analysis 2026-07-24 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$13.27B
Beta
1.17
Shares Out
304.2M
P/E (TTM)
54.2
P/S (TTM)
1.65
P/FCF (TTM)
24.51
Rev YoY
+4.8%
EPS YoY
+13.8%
Gross Margin
-
Op Margin
+11.3%
Net Debt
$19.71B
Current Ratio
0.98
As of 2026-09-09 • Updated nightlySource: Internal modelMethods & Data