ALLY Ally Financial · $45.64 Extended — don't chase; wait for a pullback过度拉升 — 勿追高；等待回撤 Terminal终端 ↗

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Ally Financial · Financials

ALLY

$45.64
Ally Financial Inc. is an American bank holding company incorporated in Delaware and headquartered at Ally Detroit Center in Detroit, Michigan.Ally金融公司是一家美国银行控股公司，注册于特拉华州，总部位于密歇根州底特律的Ally底特律中心。
Financial金融股 Large cap大盘 $14B
Engine stance引擎立场2026-07-20
Extended — don't chase; wait for a pullback过度拉升 — 勿追高；等待回撤
Stretched/late — protect gains and don't start new positions; let the next low set up first.已拉伸／晚期——保护利润，不要新开仓；先等下一个低点构筑成形。
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Key Statistics关键统计

Price价格
$45.64
3.4% below 52-week high低于52周高点 3.4%
Market Cap市值
$14B
Normal volume正常成交量
P/E Ratio市盈率
16.5x
15.0x sector median
Beta贝塔
1.25
Moves about 1.2x the market波动幅度约为市场的 1.2 倍
RSI (14)RSI（14）
53
Neutral zone中性区域
Next Earnings下次财报
2026-07-17 (-2d)
Volatility Rank波动率分位
27th pctile
hist. vol. percentile历史波动率分位数
Short Interest空头兴趣
4.5% of float

Performance价格表现

Period周期 ALLY S&P 500vs Index对比指数
1 Week近1周 +0.1% -1.5% Beat the index by 1.6 points跑赢指数 1.6 个百分点
1 Month近1月 +0.3% +0.6% In line with the index与指数基本持平
3 Months近3月 +1.3% +4.7% Lagged the index by 3.4 points落后指数 3.4 个百分点
6 Months近6月 +6.1% +7.8% Lagged the index by 1.7 points落后指数 1.7 个百分点
Year to date年初至今 +1.1% +9.1% Lagged the index by 8.0 points落后指数 8.0 个百分点
1 Year近1年 +16.8% +19.4% Lagged the index by 2.6 points落后指数 2.6 个百分点
3 Years近3年 +79.3% +69.4% Beat the index by 9.9 points跑赢指数 9.9 个百分点

Technicals技术面

RSI (14)RSI（14） 53 Neutral zone中性区域
vs 50-day相对50日均线 +3.5% vs 50-day avg
vs 200-day相对200日均线 +9.3% vs 200-day avg
Volatility rank波动率分位 27th percentile 分位
Engine reference levels — not advice引擎参考水平 — 非投资建议
Buy zone买入区间
$44.65
Don't chase above不追高于
$45.64
Stop止损
$43.49
Extended — wait for a pullback过度拉伸 — 等待回撤

Earnings财务业绩

Estimates being cut预期下调

Post-earnings drift: -13.0% (20d)财报后漂移：-13.0%（20日）

Earnings call transcripts — coming soon财报电话会议记录 — 即将上线

Valuation估值

Multiple指标 ALLY Sector median行业中位 Cheaper than相对便宜
P/E (trailing)市盈率（历史） 16.53x 14.99
39%
P/B市净率 0.91x 1.52
91%
P/S市销率 1.78x 2.87
66%
Earnings yield盈利收益率 6.05% 6.58
41%
Shareholder yield股东收益率 3.11% 3.91
37%
Analyst price targets — coming soon分析师目标价 — 即将上线

Financials财务数据

Revenue营业收入
$6.7B
2020
$8.2B
2021
$8.4B
2022
$8.2B
2023
$8.2B
2024
$7.9B
2025
5yr CAGR5年复合增速: 3.4%
Earnings Per Share每股收益
$2.88
2020
$8.22
2021
$5.03
2022
$2.98
2023
$1.80
2024
$2.37
2025
5yr CAGR5年复合增速: -3.8%
Margins利润率
Net margin净利率
10.8%
FCF margin自由现金流利润率
47.1%
5.5%Return on Equity股本回报率
0.4%Return on Assets资产回报率
Capital Allocation资本配置
Buybacks (TTM)回购（TTM）$59.0M
Stock-based comp股权薪酬$80.0M
Share count change (1y)股数变化（1年）+1.0%
Piotroski皮奥特罗斯基 4/7 Clean稳健

Snapshot Gauges综合指标

Valuation vs Sector估值相对行业
Looks cheap vs sector相对行业偏便宜
Cheaper than 65% of its sector on blended multiples综合估值倍数低于行业内 65% 的公司
Beta市场敏感度
1.25×
0.21×3×
Moves about 1.2× the market波动幅度约为市场的 1.2 倍
Financial Health财务健康
4/7
Weak financial health财务健康状况偏弱
Dividend分红
—
Does not pay a dividend不派发股息

Why Is It Moving为何波动

Macro宏观 Short-duration name into a restrictive, rising-real-rate regime → rate tailwind.短久期标的进入偏紧、实际利率上行的环境→利率顺风。
Positioning持仓 Insider cluster activity内部人集中交易
Technical技术面 ALLY took relative-strength leadershipALLY 取得相对强弱领先

Ownership & Smart Money持仓与聪明钱

Insider activity内部人员活动: +$0.3M net (2 buyers, 1 sellers)+$0.3M 净值（2 买家，1 卖家）
Concentrated ownership集中持仓
Fund基金 Grade评级 Activity动作 % of portfolio组合占比 As of截至
Basswood Capital Management B Adding加仓 1.1% 2026-03-31
Berkshire Hathaway (Buffett) B Holding持有 0.4% 2026-03-31
Soros Fund Management B trimtrim 0.4% 2026-03-31

Signal History信号历史

BOTTOMING → NEARING A HIGH筑底中 → 接近高点
TAKE PROFITS. Late in the daily cycle (day 40 of ~23-44) — odds favor a dip into the next cycle low from here even with the trend intact止盈。处于日线周期晚期（约 23-44 天中的第 40 天）——即便趋势完好，从此处概率上仍倾向于回落至下一个周期低点
TOP WATCH NEARING A HIGH
Jul 16, 2026
ALLY took relative-strength leadershipALLY 取得相对强弱领先
Relative strength vs SPY crossed above the 90th percentile of the last 90 days — leadership tends to persist. $46.80.相对标普500的强弱上穿近90日的第90百分位 — 领先往往延续。$46.80。
Jul 13, 2026
ALLY StochRSI turned up from oversoldALLY StochRSI自超卖区上行
StochRSI popped back above 20 — the earliest oscillator heads-up that downside momentum is easing. $45.12.StochRSI重回20上方 — 下行动量趋缓的最早预警。$45.12。
Jul 7, 2026
NEARING A HIGH → BOTTOMING接近高点 → 筑底中
BUY SETUP买入预备
Jul 6, 2026
BOTTOMING → NEARING A HIGH筑底中 → 接近高点
TAKE PROFITS止盈
Jul 6, 2026
ALLY daily MACD crossed downALLY 日线MACD下穿
The daily MACD histogram turned negative — fast and noisy, context rather than a standalone trigger. $46.23.日线MACD柱状图转负 — 快速且嘈杂，仅作背景。$46.23。
Jul 2, 2026
NEARING A HIGH → BOTTOMING接近高点 → 筑底中
BUY SETUP买入预备
Jul 1, 2026
BOTTOMING → NEARING A HIGH筑底中 → 接近高点
TAKE PROFITS止盈
Jun 30, 2026
UPTREND → BOTTOMING上涨趋势 → 筑底中
BUY SETUP买入预备

Showing last 15 of显示最近15条，共 252 signals条信号

Factor Profile因子特征

Composite factor score综合因子得分: 0.47
Value价值
+1.3
Quality质量
+0.3
Investment资本投入
+0.4
Shareholder payout股东回报
-0.2
Low volatility低波动
+0.6
Low market beta低市场敏感度
-0.5
Earnings quality盈利质量
-0.6
Short interest空头兴趣
+0.0

Company Profile公司档案

Ally Financial Inc. is an American bank holding company incorporated in Delaware and headquartered at Ally Detroit Center in Detroit, Michigan.Ally金融公司是一家美国银行控股公司，注册于特拉华州，总部位于密歇根州底特律的Ally底特律中心。
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