ALLY

Ally FinancialB

NYSE / Financial Services

At close

2026-07-18

Current thesis

The bullish case is that Q1 marked a real earnings inflection rather than a one-off beat: margins improved, charge-offs in retail auto moved lower year over year, capital stayed solid, and buybacks resumed in size [#8-K-2026-04-17].

Posture

Constructive

Lead driver

Value

What changed

Next scheduled catalyst: earnings 2026-07-21 · BMO.

What can break

Capital return upside is limited if management prioritizes buffers over larger repurchases.

Momentum

Value

Sentiment

Setup hits (3d)

0 · Net Neutral

AI TargetsBase $48.00 · Bull $55.00 · Bear $35.00

Earnings

2026-07-21 · BMO

Data freshness

Prices

As of 2026-07-18

Fundamentals

As of 2026-07-17 • Vendor: Data Vendor v1

Scores

As of 2026-07-18 • Model: HYBRID_IC_RP

AI Memo

As of 2026-04-17 • Model: RankAlpha Sentiment Codex

Investment thesis

As of 2026-07-18

Supporting evidence

What

Grade B · Constructive

Confidence Medium · Net Neutral

Target $54.35

Why

Momentum57 · Δ7d -8.1

Value54 · Δ7d +0.2

Sentiment54 · Δ7d -3.5

So what

Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Lead driver: Value · See fundamentals

Momentum

26% active weight

Current posture

7d trendSoftening

Δ7d

-8.1

Δ21d

-15.1

Value

39% active weight

Current posture

7d trendFlat

Δ7d

+0.2

Δ21d

+1.8

Sentiment

34% active weight

Current posture

7d trendSoftening

Δ7d

-3.5

Δ21d

+1.5

Why this grade

Composite grade B. Momentum 57.0 / Value 54.2 / Sentiment 53.5

Fundamentals (TTM)

As of 2026-07-17

Market Cap

$13.99B

Beta

1.17

Shares Out

306.52M

P/E (TTM)

54.2

P/S (TTM)

1.65

P/FCF (TTM)

24.51

Rev YoY

+14.1%

EPS YoY

-213.5%

Gross Margin

Op Margin

+9.6%

Net Debt

$19.71B

Current Ratio

1.45

As of 2026-07-18 • Updated nightlySource: Internal modelMethodology