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Digital Banking And Auto Finance Will Define A Bright Future

Published
22 Aug 24
Updated
18 Sep 25
AnalystConsensusTarget's Fair Value
US$47.12
6.2% undervalued intrinsic discount
18 Sep
US$44.21
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1Y
30.1%
7D
2.6%

Author's Valuation

US$47.1

6.2% undervalued intrinsic discount

AnalystConsensusTarget Fair Value

Shared on18 Sep 25
Fair value Increased 1.39%

Analysts have modestly raised Ally Financial's price target to $47.12, citing improving auto credit quality, a more stable macro environment, and enhanced net interest margins from lower online deposit rates. Analyst Commentary Bullish analysts point to improving auto credit quality and positive trends in year-over-year delinquencies and charge-offs.

Shared on03 Sep 25
Fair value Increased 1.02%

Supported by improving credit performance, lower macro risks, and strategic actions that bolster profitability and NIM outlook, analysts modestly raised Ally Financial’s consensus price target from $46.00 to $46.47. Analyst Commentary Diminished interest rate and macroeconomic risks have improved outlook on profitability and reduced left-tail risk scenarios.

Shared on07 May 25
Fair value Increased 11%

Shared on30 Apr 25
Fair value Decreased 0.70%

AnalystConsensusTarget made no meaningful changes to valuation assumptions.

Shared on23 Apr 25
Fair value Decreased 0.19%

AnalystConsensusTarget has increased profit margin from 19.7% to 30.9% and decreased future PE multiple from 9.7x to 6.1x.

Shared on16 Apr 25
Fair value Decreased 0.69%

AnalystConsensusTarget made no meaningful changes to valuation assumptions.

Shared on09 Apr 25
Fair value Decreased 3.27%

AnalystConsensusTarget made no meaningful changes to valuation assumptions.

Shared on02 Apr 25
Fair value Decreased 1.00%

AnalystConsensusTarget made no meaningful changes to valuation assumptions.

Shared on26 Mar 25
Fair value Decreased 1.95%

AnalystConsensusTarget made no meaningful changes to valuation assumptions.

Shared on19 Mar 25
Fair value Decreased 1.11%

AnalystConsensusTarget made no meaningful changes to valuation assumptions.

Shared on10 Mar 25
Fair value Increased 0.34%

AnalystConsensusTarget made no meaningful changes to valuation assumptions.