The news is directly about Ally Financial. The maintained 'Buy' rating indicates Citigroup's continued positive outlook on the company, which could be beneficial for the stock. However, the lowered price target might indicate a slightly less optimistic view on the company's short-term performance, which could have a neutral impact on the stock price.

The news is about Citigroup's analyst's view on Ally Financial. This could impact Citigroup's reputation in the market, but it's not directly about Citigroup's own operations or performance. Therefore, the impact on Citigroup's stock price is likely to be neutral.