A person who knows a lot about money thinks some big companies might have trouble with their loans soon. They think two companies, Ally Financial and Goldman Sachs, might not do as well as people thought because of this. But they still think other companies that rent airplanes to other companies will do okay. Read from source...

1. The analyst cautions vulnerability in finance stocks due to an impending credit cycle and higher capital requirements. However, the article does not provide any evidence or data to support this claim. It seems like a subjective opinion based on the analyst's personal views on the economy and financial markets.
2. The downgrade of Ally Financial and Goldman Sachs is also not backed by any concrete information or analysis. The article only mentions the price target of $36, which is arbitrary and does not reflect the actual value of these stocks.
3. The analyst's forecast of the Fed funds rate is inconsistent with the current market trends and economic indicators. The rate cuts in H2 FY24 and 2025 are unlikely to happen, as the Fed has been tightening its monetary policy to combat inflation and cool down the economy.
4. The core Eps estimate of $3.51 in FY24 and $5 in FY25 is unrealistic and optimistic. It does not take into account the potential risks and challenges that these stocks face, such as rising interest rates, credit costs, regulatory scrutiny, competition, etc.