Ally Financial (ALLY) Rises 5.1%: Is There More Growth Potential for the Stock?
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Dec 11 2025
0mins
Should l Buy ALLY?
Source: NASDAQ.COM
Ally Financial Stock Performance: Ally Financial's shares rose 5.1% to $44.49, reaching a 52-week high of $45.09, driven by a new $2 billion share repurchase plan announced by the board of directors.
Earnings Expectations: The company is expected to report quarterly earnings of $1.01 per share, reflecting a 29.5% year-over-year increase, with revenues projected at $2.12 billion, a 4.8% rise from the previous year.
Earnings Estimate Revisions: Despite positive earnings and revenue growth expectations, the consensus EPS estimate for Ally has been revised 0.5% lower in the last 30 days, which may impact future stock price movements.
AI Investment Insights: The article discusses the potential for significant wealth creation in the next phase of AI investments, highlighting the importance of early investment in emerging companies as the market evolves.
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Analyst Views on ALLY
Wall Street analysts forecast ALLY stock price to rise
15 Analyst Rating
12 Buy
3 Hold
0 Sell
Strong Buy
Current: 42.100
Low
48.00
Averages
53.71
High
70.00
Current: 42.100
Low
48.00
Averages
53.71
High
70.00
About ALLY
Ally Financial Inc. is a financial services company. The Company’s segments include Automotive Finance operations, Insurance operations, and Corporate Finance operations. The Automotive Finance operations segment is engaged in providing automotive financing services to consumers, automotive dealers and retailers, companies, and municipalities. Its Insurance operations segment operates as a complementary automotive-focused business, offering both consumer finance protection and insurance products sold primarily through the automotive dealer channel, and commercial insurance products sold directly to dealers. Its Corporate Finance operations segment provides senior secured asset-based and leveraged cash flow loans to U.S.-based middle-market companies, with a focus on businesses owned by private equity sponsors. The Company also includes a robust corporate finance business that offers capital for equity sponsors and middle-market companies.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Ally Financial CFO to Present at RBC Conference
- Conference Details: Ally Financial's CFO, Russ Hutchinson, will present at the RBC Capital Markets Financial Institutions Conference on March 10, 2026, at 9:20 AM ET, highlighting the company's strategic direction in the financial services sector.
- Live Webcast: A live webcast will be available on the day of the conference, allowing investors to engage with the presentation through Ally's investor relations website, enhancing transparency and investor relations.
- Company Overview: Ally Financial is the largest all-digital bank in the U.S., offering an industry-leading auto financing business, driven by its mission to 'Do It Right' and serve customers and communities comprehensively.
- Diverse Services: In addition to auto financing, Ally provides deposits, securities brokerage, and investment advisory services, showcasing its strong financing capabilities for middle-market companies and equity sponsors, thereby solidifying its market position.
See More
Credit Card Companies Face Bipartisan Pressure
- Political Pressure Intensifies: Amid persistent inflation, Trump and Sanders have found common ground in seeking to lower credit card annual percentage rates, with Trump proposing a 10% cap and Sanders advocating for a permanent 15% cap, potentially reshaping the profitability of credit card companies.
- Cautious Industry Response: Major credit card issuers like Capital One are in a holding pattern amidst political rhetoric, fearing that if a cap is implemented, they will be compelled to cut credit lines, adversely affecting credit access for lower-income households.
- Profitability at Risk: Analysts predict that a long-term rate cap could reduce Capital One's earnings per share by 25% or wipe them out entirely, as credit card operations account for approximately 74% of its total revenue, primarily derived from interest on customer balances.
- Acquisition Impact Significant: Capital One's $35 billion acquisition of Discover last year will be affected by any interest rate limits, as Discover's credit card balances will also be impacted, further diminishing Capital One's competitive edge, especially without a robust payment network.
See More
Singles' Financial Independence: 51% Enjoy Money Freedom
- Singles' Economic Phenomenon: According to Ally Bank's latest report, 51% of single respondents state that being single allows them to manage their finances freely, indicating that single life may not be the economic disadvantage traditionally perceived, but rather offers greater financial autonomy and control.
- Gender Disparity Analysis: The survey reveals that single women exhibit significantly higher financial anxiety than single men, with 38% of women feeling anxious compared to 24% of men, reflecting the complex balance women navigate between emotional fulfillment and financial responsibility.
- Confidence in Financial Goals: While 42% of singles feel confident about achieving their financial goals, this is still lower than the 48% of those in relationships, highlighting the need for more attention and strategy in financial planning for single individuals.
- Independence vs. Pressure: Although 70% of singles believe they are performing well financially, 34% still report feelings of anxiety and 30% feel overwhelmed, indicating that managing finances alone requires careful planning and coping strategies.
See More
Dave Wright Wins 2026 TIME Dealer of the Year Award
- Top Industry Honor: Dave Wright was named the 2026 TIME Dealer of the Year, highlighting his exceptional leadership in the automotive sector and long-standing commitment to community service, showcasing his outstanding performance among over 20,000 dealers nationwide.
- Community Contributions: Wright donates over $50,000 annually to various organizations supporting children, educators, and seniors, reflecting his deep sense of responsibility and impact on the community, which enhances his dealership's reputation.
- Sponsor Support: Ally Financial, as the exclusive sponsor of the award for 15 consecutive years, has committed to donating $10,000 to a charity of Wright's choice, demonstrating its ongoing investment in the automotive industry and community.
- Transparent Selection Process: The TIME Dealer of the Year award is selected by a panel from the Tauber Institute for Global Operations at the University of Michigan, ensuring the fairness and authority of the selection process, which further enhances the award's industry influence.
See More
Dave Wright Wins 2026 TIME Dealer of the Year Award
- Industry Honor: Dave Wright was named the 2026 TIME Dealer of the Year at the 109th National Automotive Dealers Association Show, highlighting his exceptional achievements and community service, standing out among over 20,000 dealers nationwide.
- Community Contributions: Wright supports various community initiatives, including Goodwill and local youth clubs, with annual contributions exceeding $50,000, demonstrating his deep commitment to social responsibility and community impact.
- Sponsor Support: As the exclusive sponsor of the TIME Dealer of the Year award for 15 years, Ally Financial has donated nearly $1 million, and this year will provide $10,000 to a charity of Wright's choice, further enhancing community development efforts.
- Industry Influence: Wright's dealership is the only one in Iowa to be recognized as a Best Dealership to Work For 12 times, showcasing his success in improving employee satisfaction and operational efficiency, thereby strengthening his position in the competitive automotive market.
See More
Ally Financial: The Rise of Digital Banking
- Sustained Customer Growth: As of December 31, Ally Financial reported 3.5 million deposit customers, marking the 17th consecutive year of growth, which underscores its solid position and customer loyalty in the highly competitive financial services industry.
- Strong Deposit Base: Ally ended Q4 with $144 billion in retail deposits, providing a low-cost funding source for its auto loan business, further solidifying its market leadership.
- Significant Profitability Improvement: In 2025, Ally's adjusted earnings per share surged by 62%, primarily driven by higher yields on retail auto loans and lower yields on deposits, with net interest margin expanding from 3.27% in 2024 to 3.43% last year.
- Optimistic Market Outlook: Wall Street analysts forecast Ally's earnings per share to grow at a compound annual rate of 23.5% from 2025 to 2028, and despite risks in the automotive sector, its strong demand and risk management capabilities present a positive outlook.
See More
Ally Financial CFO to Present at RBC Conference
- Conference Details: Ally Financial's CFO, Russ Hutchinson, will present at the RBC Capital Markets Financial Institutions Conference on March 10, 2026, at 9:20 AM ET, highlighting the company's strategic direction in the financial services sector.
- Live Webcast: A live webcast will be available on the day of the conference, allowing investors to engage with the presentation through Ally's investor relations website, enhancing transparency and investor relations.
- Company Overview: Ally Financial is the largest all-digital bank in the U.S., offering an industry-leading auto financing business, driven by its mission to 'Do It Right' and serve customers and communities comprehensively.
- Diverse Services: In addition to auto financing, Ally provides deposits, securities brokerage, and investment advisory services, showcasing its strong financing capabilities for middle-market companies and equity sponsors, thereby solidifying its market position.
See More
Credit Card Companies Face Bipartisan Pressure
- Political Pressure Intensifies: Amid persistent inflation, Trump and Sanders have found common ground in seeking to lower credit card annual percentage rates, with Trump proposing a 10% cap and Sanders advocating for a permanent 15% cap, potentially reshaping the profitability of credit card companies.
- Cautious Industry Response: Major credit card issuers like Capital One are in a holding pattern amidst political rhetoric, fearing that if a cap is implemented, they will be compelled to cut credit lines, adversely affecting credit access for lower-income households.
- Profitability at Risk: Analysts predict that a long-term rate cap could reduce Capital One's earnings per share by 25% or wipe them out entirely, as credit card operations account for approximately 74% of its total revenue, primarily derived from interest on customer balances.
- Acquisition Impact Significant: Capital One's $35 billion acquisition of Discover last year will be affected by any interest rate limits, as Discover's credit card balances will also be impacted, further diminishing Capital One's competitive edge, especially without a robust payment network.
See More
Singles' Financial Independence: 51% Enjoy Money Freedom
- Singles' Economic Phenomenon: According to Ally Bank's latest report, 51% of single respondents state that being single allows them to manage their finances freely, indicating that single life may not be the economic disadvantage traditionally perceived, but rather offers greater financial autonomy and control.
- Gender Disparity Analysis: The survey reveals that single women exhibit significantly higher financial anxiety than single men, with 38% of women feeling anxious compared to 24% of men, reflecting the complex balance women navigate between emotional fulfillment and financial responsibility.
- Confidence in Financial Goals: While 42% of singles feel confident about achieving their financial goals, this is still lower than the 48% of those in relationships, highlighting the need for more attention and strategy in financial planning for single individuals.
- Independence vs. Pressure: Although 70% of singles believe they are performing well financially, 34% still report feelings of anxiety and 30% feel overwhelmed, indicating that managing finances alone requires careful planning and coping strategies.
See More
Dave Wright Wins 2026 TIME Dealer of the Year Award
- Top Industry Honor: Dave Wright was named the 2026 TIME Dealer of the Year, highlighting his exceptional leadership in the automotive sector and long-standing commitment to community service, showcasing his outstanding performance among over 20,000 dealers nationwide.
- Community Contributions: Wright donates over $50,000 annually to various organizations supporting children, educators, and seniors, reflecting his deep sense of responsibility and impact on the community, which enhances his dealership's reputation.
- Sponsor Support: Ally Financial, as the exclusive sponsor of the award for 15 consecutive years, has committed to donating $10,000 to a charity of Wright's choice, demonstrating its ongoing investment in the automotive industry and community.
- Transparent Selection Process: The TIME Dealer of the Year award is selected by a panel from the Tauber Institute for Global Operations at the University of Michigan, ensuring the fairness and authority of the selection process, which further enhances the award's industry influence.
See More
Dave Wright Wins 2026 TIME Dealer of the Year Award
- Industry Honor: Dave Wright was named the 2026 TIME Dealer of the Year at the 109th National Automotive Dealers Association Show, highlighting his exceptional achievements and community service, standing out among over 20,000 dealers nationwide.
- Community Contributions: Wright supports various community initiatives, including Goodwill and local youth clubs, with annual contributions exceeding $50,000, demonstrating his deep commitment to social responsibility and community impact.
- Sponsor Support: As the exclusive sponsor of the TIME Dealer of the Year award for 15 years, Ally Financial has donated nearly $1 million, and this year will provide $10,000 to a charity of Wright's choice, further enhancing community development efforts.
- Industry Influence: Wright's dealership is the only one in Iowa to be recognized as a Best Dealership to Work For 12 times, showcasing his success in improving employee satisfaction and operational efficiency, thereby strengthening his position in the competitive automotive market.
See More
Ally Financial: The Rise of Digital Banking
- Sustained Customer Growth: As of December 31, Ally Financial reported 3.5 million deposit customers, marking the 17th consecutive year of growth, which underscores its solid position and customer loyalty in the highly competitive financial services industry.
- Strong Deposit Base: Ally ended Q4 with $144 billion in retail deposits, providing a low-cost funding source for its auto loan business, further solidifying its market leadership.
- Significant Profitability Improvement: In 2025, Ally's adjusted earnings per share surged by 62%, primarily driven by higher yields on retail auto loans and lower yields on deposits, with net interest margin expanding from 3.27% in 2024 to 3.43% last year.
- Optimistic Market Outlook: Wall Street analysts forecast Ally's earnings per share to grow at a compound annual rate of 23.5% from 2025 to 2028, and despite risks in the automotive sector, its strong demand and risk management capabilities present a positive outlook.
See More
