ALLY — Ally Financial Inc

Stock analysis, trade plans, and proprietary indicators by Trend Edge.

About Ally Financial Inc

Ally Financial Inc., a digital financial-services company, provides various digital financial products and services in the United States and Canada. The company operates through Automotive Finance operations, Insurance operations, and Corporate Finance operations. It offers automotive financing services, including providing retail installment sales contracts, loans and operating leases, term loans to dealers, financing dealer floorplans and other… Read full Trend Edge analysis →

Trend Edge Proprietary Indicators

Key Metrics

Current Price$42.94
Market Cap$13.10B
Float275.1M
Shares Outstanding306.5M
P/E (Forward)8.02
P/E (TTM)10.38
Price/Sales (TTM)1.70
vs. Analyst Target+25.8% to analyst PT
Profit Margin18.16%
Operating Margin (TTM)21.02%
Revenue (TTM)$7.69B
Earnings Growth (YoY)265.40%
Dividend Rate1.2%
Analyst Target Price$54.01 (20 analysts)

Financial History

Annual Revenue & Earnings History

YearRevenueNet IncomeGross ProfitEBITDA
2020 $7.64B $1.08B $7.64B $5.51B
2021 $8.91B $3.06B $132M $7.03B
2022 $9.34B $1.71B $102M $6.53B
2023 $15.97B $957M $7.10B $2.33B
2024 $16.37B $668M $6.73B $2.04B
2025 $12.15B $852M $6.32B $2.45B

Recent Quarterly Revenue & Net Income

QuarterRevenueNet Income
Jun 2025 $3.88B $352M
Sep 2025 $3.95B $398M
Dec 2025 $3.94B $327M
Mar 2026 $3.89B $319M

Ownership & Float

Insider Ownership10.2%
Institutional Ownership87.6%
Short Float3.7%
% of All Funds Holding6.64%
Number of Funds Holding546

Current Moving Averages

Trend Edge tracks near-term, medium-term, cyclical, and secular moving averages across weekly and monthly timeframes to identify trend structure at every horizon.

TimeframeSMAValueTrend Context
Weekly10-Week SMA$42.34Near-term / short-term trend
Weekly40-Week SMA$41.58Medium-term trend
Weekly80-Week SMA$39.12Cyclical trend (business cycle)
Weekly200-Week SMA$34.89Secular trend (multi-year)
Monthly10-Month SMA$41.41Near-term monthly trend
Monthly20-Month SMA$39.11Medium-term monthly trend
Monthly40-Month SMA$36.15Secular monthly trend

Volume Shelves — Support & Resistance

Trend Edge identifies volume shelves: price zones where historically elevated trading volume creates structural support or resistance. A volume shelf forms when a disproportionate share of cumulative volume was transacted at a specific price level, making it a high-conviction anchor for future price reactions.

Price LevelTypeVolume RatioAge
$39.80 support 1.03x 0 months ago
$45.00 resistance 1.07x 3 months ago
$32.50 support 1.03x 11 months ago

Historical Earnings Reactions (49 events)

TimeframeAvg ReturnMedianWin RateBestWorst
Gap -0.17% -0.05% 46.94% 2.51% -4.78%
1 Day -0.52% -0.63% 38.78% 6.16% -5.78%
1 Week -0.21% 0.31% 53.06% 7.77% -9.87%
2 Weeks -0.55% -0.73% 38.78% 12.61% -11.37%
1 Month 0.21% 0.20% 52.08% 17.34% -19.19%

Next earnings: July 16, 2026 (49 days away)

Seasonality & Day-of-Week Patterns

Monthly Seasonality

MonthAvg ReturnWin RateSamples
Jan3.6%75.0%12
Feb0.2%61.5%13
Mar-3.9%46.2%13
Apr0.6%46.2%13
May2.0%66.7%12
Jun1.1%66.7%12
Jul3.9%75.0%12
Aug1.8%58.3%12
Sep-3.3%25.0%12
Oct-2.3%16.7%12
Nov5.8%83.3%12
Dec1.2%41.7%12

Day-of-Week Tendencies

DayAvg ReturnWin RateSamples
Monday -0.07% 49.5% 580
Tuesday 0.02% 51.8% 639
Wednesday 0.17% 52.7% 636
Thursday 0.03% 49.8% 623
Friday 0.06% 50.7% 621

Top Institutional Holders

Institutional holder breakdown coming soon.

Total institutional ownership: 87.6%

Insider Transactions — Smart Summary

Total insider ownership: 10.2%

12-Month Insider Activity Summary

Total Filings5
Net Value-$2.3M
Net Shares Change-53,833
% of Float-0.0%
C-Suite Filings5
Clusters Detected0

Key Insiders

NameTitleNet ValueFilingsActivity
Patterson Kathleen L. Chief HR and Corp Citizenship -$1.8M 1 1 sell
Timmerman Douglas R. President, DFS -$1.8M 1 N/A
RHODES MICHAEL GEORGE Chief Executive Officer +$991,867.38 1 1 buy
Hutchinson Russell E. Chief Financial Officer +$499,306.533 1 1 buy
Richard Stephanie N Chief Risk Officer -$210,708 1 N/A

Significant Filings

DateInsiderTitleNet ValuePrice After
2026-01-28 Hutchinson Russell E. Chief Financial Officer +$499,306.533 Transaction at $43.17, now -0.5%
2026-01-23 RHODES MICHAEL GEORGE Chief Executive Officer +$991,867.38 Transaction at $41.68, now +3.0%
2025-10-23 Patterson Kathleen L. Chief HR and Corp Citizenship -$1.8M Transaction at $40.68, now +5.6%
2026-05-19 Richard Stephanie N Chief Risk Officer -$210,708 Transaction at $42.14, now +1.9%
2026-04-20 Timmerman Douglas R. President, DFS -$1.8M Transaction at $45.17, now -4.9%

View full insider transaction history on Trend Edge →

AI Consult Analysis

Trend Edge's AI Consult feature delivers a comprehensive, multi-layer trade plan for Ally Financial Inc (ALLY) powered by Claude Opus — Anthropic's most capable AI model. The analysis covers five layers: technical analysis (near-term, medium-term, cyclical, and secular trend, momentum, volume shelf support and resistance, breakout and breakdown signals), qualitative analysis (business model, competitive moat, sector dynamics), insider sentiment (buy and sell signals from executive and director transactions), share stats analysis (institutional accumulation, fund positioning, short float squeeze potential), and fundamental analysis (valuation, revenue growth, profit margin, earnings quality).

AI Consult synthesizes all five layers into a single bullish or bearish thesis with explicit entry, exit, stop loss, and take profit levels — giving you a complete, AI-powered trade plan with defined risk/reward. Whether you are building a long position, initiating a short, or looking for a reversal setup, AI Consult identifies the highest-probability signal from the current trend.

Get the full AI Consult analysis for ALLY on Trend Edge →