Ally Financial (NYSE:ALLY) has received diverse analyst ratings over the last three months, with a current average 12-month price target of $38.8, up 11.91% from the previous $34.67. Analysts have adjusted their ratings and price targets, reflecting changes in market conditions and company performance. Despite the optimistic price targets, Ally Financial faces challenges with a below-industry-average market capitalization, negative revenue trend of -5.95%, low net margin of 2.14%, ROE of 0.45%, and ROA of 0.03%. The company's debt-to-equity ratio stands at 1.77, indicating a balanced approach to debt management.