AFRM vs. ALLY: Affirm vs. Ally Financial Stock Comparison

Company Profile

Affirm (AFRM) and Ally Financial (ALLY) both fall under the Financial Services industry group, but AFRM is classified in Financial Services while ALLY is classified in Consumer Finance.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Affirm (AFRM) carries a highly aggressive beta of 3.70, indicating much higher sensitivity to broad-market moves, whereas Ally Financial (ALLY) is closer to market-like at 1.15 — a noticeable difference in market-sensitivity profile.

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Affirm (AFRM) at 44.49% sits in the top ROE quartile, while Ally Financial (ALLY) at 9.90% is closer to the peer norm — stronger capital efficiency for AFRM.

Affirm (AFRM) at 43.86% retains a top-quartile share of revenue as profit, ahead of Ally Financial (ALLY) at 18.62%, which keeps about the industry-typical share.

Both Affirm (AFRM) at 14.82% and Ally Financial (ALLY) at 27.31% run core operations about as efficiently as their industries’ norm — neither stands out on operating profitability.

Profitability Metrics

Growth

Affirm (AFRM) at 32.15% sits in the top revenue growth quartile, while Ally Financial (ALLY) at -1.43% is in the bottom quartile, showing a clear gap in revenue momentum.

Affirm (AFRM) at 3,586.67% clears its industry range for EPS growth, a much stronger earnings trajectory than Ally Financial (ALLY) at 31.67%, which is closer to a typical peer reading.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Affirm (AFRM) in Financial Services and Ally Financial (ALLY) in Financial Services both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.

debt-to-equity ratio is set aside for both: Affirm (AFRM) in Financial Services and Ally Financial (ALLY) in Financial Services run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.

Financial Strength Metrics

Dividends

Affirm (AFRM) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Ally Financial (ALLY) reports a yield of 3.09%, ranking against industry peers normally.

Affirm (AFRM) pays no dividend (payout 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Ally Financial (ALLY) reports a payout of 27.46%, ranking against industry peers normally.

Dividend Metrics

Valuation

Ally Financial (ALLY) at 8.73 sits in the cheaper P/E ratio quartile, while Affirm (AFRM) at 11.80 is closer to its industry’s usual earnings multiple — a discount for ALLY, though growth and earnings durability still matter.

Ally Financial (ALLY) at 1.43 is priced about in line with its industry on P/S ratio, while Affirm (AFRM) at 5.03 sits in the pricier quartile — AFRM costs more per dollar of sales.

Ally Financial (ALLY) at 0.88 is valued about in line with its industry on P/B ratio, while Affirm (AFRM) at 4.01 carries an above-peer premium to book — AFRM is pricier on assets.

Valuation Metrics