ALLY vs. AXP: Ally Financial vs. American Express Stock Comparison

June 19, 2026

This page compares Ally Financial (ALLY) with American Express (AXP) using performance and risk, profitability, financial strength, growth, dividends, and valuation metrics.

Performance

Cumulative Growth

ALLY

AXP

Ally Financial (ALLY) vs. American Express (AXP): Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for Ally Financial (ALLY) and American Express (AXP). Returns over one year are annualized.

Performance at a Glance

Performance metrics for Ally Financial (ALLY) and American Express (AXP)
Metric	ALLY	AXP
1-Year Return	27.18%	15.22%

Risk

Drawdown

ALLY

AXP

Ally Financial (ALLY) vs. American Express (AXP): Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Risk at a Glance

Risk metrics for Ally Financial (ALLY) and American Express (AXP)
Metric	ALLY	AXP
1-Year Volatility	29.87%	26.38%
Beta	1.10	1.05
3-Month Avg. Volume	3.44M	3.19M

Company Profile

Ally Financial (ALLY) and American Express (AXP) are both classified in the Consumer Finance sub-industry within the broader Consumer Finance industry, placing them in the closest GICS peer bucket.

Company profile comparison for Ally Financial (ALLY) and American Express (AXP)
Profile Item	ALLY	AXP
Name	Ally Financial Inc.	American Express Company
Country/Region	United States	United States
GICS Sector	Financials	Financials
GICS Industry Group	Financial Services	Financial Services
GICS Industry	Consumer Finance	Consumer Finance
GICS Sub-Industry	Consumer Finance	Consumer Finance
Market Capitalization	13.94 billion USD	230.63 billion USD
Currency	USD	USD
Exchange	NYSE	NYSE
Listing Date	January 28, 2014	June 1, 1972
Security Type	Common Stock	Common Stock

Valuation

Price-to-Earnings Ratio (TTM)

Both Ally Financial (ALLY) at 11.04 and American Express (AXP) at 21.11 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.

ALLY

Financial Services industry group

11.04

Max: 45.29
Q3: 25.35
Median: 14.55
ALLY: 11.04
Q1: 9.01
Min: 0.62

AXP

Financial Services industry group

21.11

Max: 45.29
Q3: 25.35
AXP: 21.11
Median: 14.55
Q1: 9.01
Min: 0.62

Ally Financial (ALLY) vs. American Express (AXP): A comparison of their P/E ratio against the Financial Services industry group benchmark.

Price-to-Sales Ratio (TTM)

On P/S ratio, both Ally Financial (ALLY) at 1.81 and American Express (AXP) at 3.35 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.

ALLY

Financial Services industry group

1.81

Max: 10.00
Q3: 4.88
Median: 2.89
ALLY: 1.81
Q1: 1.44
Min: -1.20

AXP

Financial Services industry group

3.35

Max: 10.00
Q3: 4.88
AXP: 3.35
Median: 2.89
Q1: 1.44
Min: -1.20

Ally Financial (ALLY) vs. American Express (AXP): A comparison of their P/S ratio against the Financial Services industry group benchmark.

Price-to-Book Ratio (MRQ)

Ally Financial (ALLY) at 1.05 is valued about in line with its industry on P/B ratio, while American Express (AXP) at 6.78 carries an above-peer premium to book — AXP is pricier on assets.

ALLY

Financial Services industry group

1.05

Max: 7.19
Q3: 3.53
Median: 1.66
ALLY: 1.05
Q1: 0.90
Min: 0.00

AXP

Financial Services industry group

6.78

Max: 7.19
AXP: 6.78
Q3: 3.53
Median: 1.66
Q1: 0.90
Min: 0.00

Ally Financial (ALLY) vs. American Express (AXP): A comparison of their P/B ratio against the Financial Services industry group benchmark.

Valuation at a Glance

Valuation metrics for Ally Financial (ALLY) and American Express (AXP)
Metric	ALLY	AXP
Price-to-Earnings Ratio (TTM)	11.04	21.11
Price-to-Sales Ratio (TTM)	1.81	3.35
Price-to-Book Ratio (MRQ)	1.05	6.78
Free Cash Flow Yield	--	--

Profitability

Return on Equity (TTM)

American Express (AXP) at 34.42% sits in the top ROE quartile, while Ally Financial (ALLY) at 9.36% is closer to the peer norm — stronger capital efficiency for AXP.

ALLY

Financial Services industry group

9.36%

Max: 42.17%
Q3: 21.57%
Median: 12.32%
ALLY: 9.36%
Q1: 5.04%
Min: -17.69%

AXP

Financial Services industry group

34.42%

Max: 42.17%
AXP: 34.42%
Q3: 21.57%
Median: 12.32%
Q1: 5.04%
Min: -17.69%

Ally Financial (ALLY) vs. American Express (AXP): A comparison of their ROE against the Financial Services industry group benchmark.

Net Profit Margin (TTM)

Both Ally Financial (ALLY) at 18.16% and American Express (AXP) at 16.31% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.

ALLY

Financial Services industry group

18.16%

Max: 66.55%
Q3: 30.45%
ALLY: 18.16%
Median: 16.66%
Q1: 4.52%
Min: -26.88%

AXP

Financial Services industry group

16.31%

Max: 66.55%
Q3: 30.45%
Median: 16.66%
AXP: 16.31%
Q1: 4.52%
Min: -26.88%

Ally Financial (ALLY) vs. American Express (AXP): A comparison of their net margin against the Financial Services industry group benchmark.

Operating Profit Margin (TTM)

Both Ally Financial (ALLY) at 21.02% and American Express (AXP) at 21.25% run core operations about as efficiently as their industries’ norm — neither stands out on operating profitability.

ALLY

Financial Services industry group

21.02%

Max: 95.95%
Q3: 48.40%
Median: 26.61%
ALLY: 21.02%
Q1: 12.07%
Min: -36.26%

AXP

Financial Services industry group

21.25%

Max: 95.95%
Q3: 48.40%
Median: 26.61%
AXP: 21.25%
Q1: 12.07%
Min: -36.26%

Ally Financial (ALLY) vs. American Express (AXP): A comparison of their operating margin against the Financial Services industry group benchmark.

Profitability at a Glance

Profitability metrics for Ally Financial (ALLY) and American Express (AXP)
Metric	ALLY	AXP
Return on Equity (TTM)	9.36%	34.42%
Return on Assets (TTM)	0.72%	3.80%
Net Profit Margin (TTM)	18.16%	16.31%
Operating Profit Margin (TTM)	21.02%	21.25%
Gross Profit Margin (TTM)	--	--

Growth

Revenue Growth

Ally Financial (ALLY) vs. American Express (AXP): A comparison of their Revenue Growth across different time periods.

Revenue Growth at a Glance

Revenue growth metrics for Ally Financial (ALLY) and American Express (AXP)
Metric	ALLY	AXP
1-Year Revenue Growth	-1.43%	9.52%
3-Year Revenue CAGR	-1.73%	10.97%

EPS Growth

Ally Financial (ALLY) vs. American Express (AXP): A comparison of their EPS Growth across different time periods.

EPS Growth at a Glance

EPS growth metrics for Ally Financial (ALLY) and American Express (AXP)
Metric	ALLY	AXP
1-Year EPS Growth	31.67%	9.78%
3-Year EPS CAGR	-22.19%	16.01%

Financial Strength

Current Ratio (MRQ)

current ratio doesn’t apply on either side: Ally Financial (ALLY) in Financial Services and American Express (AXP) 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 (MRQ)

debt-to-equity ratio is set aside for both: Ally Financial (ALLY) in Financial Services and American Express (AXP) 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 at a Glance

Financial strength metrics for Ally Financial (ALLY) and American Express (AXP)
Metric	ALLY	AXP
Current Ratio (MRQ)	--	--
Debt-to-Equity Ratio (MRQ)	--	--
Net Debt / EBITDA	--	--

Dividends

Dividend Yield (TTM)

Ally Financial (ALLY) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile American Express (AXP) reports a yield of 1.12%, ranking against industry peers normally.

ALLY

Financial Services industry group

0.00%

Max: 9.57%
Q3: 3.98%
ALLY: 0.00%
Median: 0.00%
Q1: 0.00%
Min: 0.00%

AXP

Financial Services industry group

1.12%

Max: 9.57%
Q3: 3.98%
AXP: 1.12%
Median: 0.00%
Q1: 0.00%
Min: 0.00%

Ally Financial (ALLY) vs. American Express (AXP): A comparison of their dividend yield against the Financial Services industry group benchmark.

Dividend Payout Ratio (TTM)

Dividend policy can be sized up on one side only: American Express (AXP) pays out 21.29% of earnings, measured against its industry’s payout band; Ally Financial (ALLY) shows no payout ratio this period.

ALLY

Financial Services industry group

Max: 248.04%
Q3: 99.70%
Median: 25.37%
Q1: 0.00%
Min: 0.00%
ALLY: --

AXP

Financial Services industry group

21.29%

Max: 248.04%
Q3: 99.70%
Median: 25.37%
AXP: 21.29%
Q1: 0.00%
Min: 0.00%

Ally Financial (ALLY) vs. American Express (AXP): ALLY does not report payout ratio, so it has no value marker; AXP is benchmarked against the Financial Services industry group.

Dividends at a Glance

Dividend metrics for Ally Financial (ALLY) and American Express (AXP)
Metric	ALLY	AXP
Dividend Yield (TTM)	0.00%	1.12%
Dividend Payout Ratio (TTM)	--	21.29%