Home / Stock ratings / ALLY
Stock rating · State Commercial Banks
Ally Financial Inc. (ALLY) Stock Rating & Analysis
As of September 25, 2026, MELANY rates Ally Financial Inc. 69 out of 100 (Favorable). Its highest factor score is catalyst setup at 93, and its lowest is business quality at 41.
MELANY ratingRated 2026-09-25ALLY · composite score
About Ally Financial Inc.
Ally Financial, formerly the captive finance arm of General Motors, became an independent publicly traded firm in 2014 and is one of the largest consumer auto lenders in the country. It remains focused mainly on auto lending, with more than 70% of its loan book in consumer auto loans and dealer financing, and also offers auto insurance, commercial loans, credit cards, brokerage services, and mortgage debt.
Rating as of 2026-09-25 · this is a dated snapshot; the live rating is in the app (Pro, free for 30 days). The price above updates in real time.
Why ALLY scores 69/100
ALLY's 8 factor scores run from 41 to 93, and 4 of them sit above its composite of 69. Here is how ALLY breaks down.
Whether the price looks cheap or expensive against earnings, growth, and peers.
- P/E 9.1x vs sector 13.0x median
- Forward P/E 6.2x, earnings growth accelerating
- PEG ratio 0.34 (< 1 = undervalued)
Margins, returns on capital, and balance-sheet strength.
Direction and relative strength of the recent share-price trend.
History of beating or missing estimates, and where estimates are heading.
- Beat EPS estimates 3 of last 4 quarters
- Avg EPS beat +6%
- Earnings in 25 days (strong beat history)
What Wall Street price targets and revisions are signalling.
- Analyst targets 39% upside
Near-term events that could move the stock.
- Earnings in 25 days
Upside weighed against volatility and drawdown risk.
How the current rate and market regime suits this kind of company.
How ALLY compares
As of October 13, 2026, Ally Financial Inc. ranks 1st of the 7 companies with a MELANY rating page in its SEC industry group (State Commercial Banks), where the average score is 66.
Key risks for ALLY
- No specific company-level red flags detected, monitor macro regime changes
Sector and theme context
Ally Financial Inc. sits in the Financials / rate cycle theme, which MELANY currently rates 24/100 for strength. Theme strength feeds ALLY's momentum and catalyst factors above.
ALLY trade plan (Pro)
MELANY has a full position plan for Ally Financial Inc.: a smart entry zone, an alert level, position sizing, and quarterly review triggers. It is part of Market Eyes Pro, and the first 30 days are free.
How MELANY rates ALLY
MELANY is a rules-based engine that scores every stock from 0 to 100 across eight weighted factors, then re-scores as new price, earnings, and fundamental data arrive. Ally Financial Inc.'s 69/100 reflects mature factor weighting for its profile. Position framework managed by score-based check-ins, not a fixed holding period.
Ratings are algorithmic and change with the data. They are research and education, not personalized investment advice.
Frequently asked questions about ALLY
Is Ally Financial Inc. (ALLY) a buy?
As of 2026-09-25, MELANY rated Ally Financial Inc. Favorable with a composite score of 69/100. That is a dated snapshot, not the live rating, and it is an algorithmic reading built from eight factors rather than personalized investment advice. Review the factor breakdown above and the disclaimer below before making any decision.
What is Ally Financial Inc.'s MELANY score?
Ally Financial Inc. (ALLY) has a MELANY composite score of 69/100, combining valuation, business quality, price momentum, earnings track record, analyst sentiment, catalyst setup, risk-adjusted profile, macro fit.
How is the ALLY stock rating calculated?
MELANY scores ALLY from 0 to 100 across eight weighted factors using live market and fundamental data, then refreshes the rating automatically as new data arrives.
Should I buy Ally Financial Inc. stock?
That decision is yours; Market Eyes Live does not give buy or sell advice. What the data says: MELANY rates Ally Financial Inc. (ALLY) Favorable with a composite of 69/100 as of 2026-09-25. The factor breakdown above shows what is driving that, which is a better basis for a decision than any one-word verdict.
What is the ALLY stock price forecast?
MELANY does not publish price targets or forecasts for ALLY. Predicting a future price is exactly the kind of false precision the confidence framework avoids. Instead it scores today's setup, 69/100 across eight factors for Ally Financial Inc., and re-scores automatically as new price, earnings, and fundamental data arrive.
Is ALLY stock overvalued or undervalued?
MELANY's valuation factor currently reads 88/100 for Ally Financial Inc., where a higher score means the price looks more attractive on that measure. Scores in the 70s and above read as attractively priced, the mid range as roughly fair, and low scores as stretched. The factor breakdown above shows what drives ALLY's read.
What price should I buy ALLY at?
Rather than chasing the current price, MELANY computes a smart entry zone for ALLY: the price area where risk and reward actually favor a new position, plus an alert level and position sizing. The exact levels are part of Market Eyes Pro, which starts with a 30-day free trial.
What are the risks of buying ALLY stock?
The top risks MELANY currently flags for Ally Financial Inc.: No specific company-level red flags detected, monitor macro regime changes. The rating on this page already weighs these against the bullish factors; see the risk-adjusted profile score in the breakdown above.
Is Ally Financial Inc. a good long-term investment?
For long-term durability the two factors that matter most are business quality, which MELANY scores 41/100 for Ally Financial Inc., and earnings track record, at 76/100. The 69/100 composite blends those with six shorter-horizon factors. Durable quality at a fair price is the long-term case to test; this is research, not personalized investment advice.
Will ALLY stock go up?
Nobody can promise a stock's direction, and Market Eyes Live does not predict prices. The measurable part: MELANY's price momentum factor reads 42/100 for ALLY right now, and the catalyst setup factor tracks whether near-term events could move it. Both re-score automatically as the data changes.
How current is this ALLY rating?
The rating on this page is a snapshot of MELANY's read as of 2026-09-25. The price shown updates live, but the score is not recomputed on this page. MELANY re-scores ALLY continuously as new price, earnings, and fundamental data arrive, and the current rating is in the app (Pro, free for 30 days).
How this rating works
Market Eyes Live
Every rating graded in public, ALLY included
MELANY scores more than 11,000 U.S. stocks and ETFs, PRISM ranks conviction and APEX writes the plan with one entry zone. Free to start on iOS and the web.