ALLY vs. AXP: Ally Financial vs. American Express Stock Comparison
How do Ally Financial (ALLY) and American Express (AXP) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.
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.
| 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 | 11.45 billion USD | 215.24 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | January 28, 2014 | June 1, 1972 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | ALLY | AXP |
|---|---|---|
| Total Return (1Y) | 1.76% | -10.80% |
| Total Return (3Y, Annualized) | 18.37% | 30.19% |
| Total Return (5Y, Annualized) | -1.28% | 13.96% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | ALLY | AXP |
|---|---|---|
| Volatility (1Y, Annualized) | 28.62% | 26.18% |
| Beta (5Y) | 1.15 | 1.06 |
| Max Drawdown (5Y) | -55.89% | -31.55% |
| Avg. Volume (3M) | 3.74M | 2.91M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | ALLY | AXP |
|---|---|---|
| Sharpe Ratio (1Y) | -0.09 | -0.58 |
| Sortino Ratio (1Y) | -0.13 | -0.74 |
Profitability
ROE (TTM)
American Express (AXP) at 35.93% sits in the top ROE quartile, while Ally Financial (ALLY) at 9.90% is closer to the peer norm — stronger capital efficiency for AXP.
ALLY
Financial Services industry group
9.90%
- Max
- 44.78%
- Q3
- 21.85%
- Median
- 12.91%
- ALLY
- 9.90%
- Q1
- 4.48%
- Min
- -18.71%
AXP
Financial Services industry group
35.93%
- Max
- 44.78%
- AXP
- 35.93%
- Q3
- 21.85%
- Median
- 12.91%
- Q1
- 4.48%
- Min
- -18.71%
Net Margin (TTM)
Both Ally Financial (ALLY) at 18.62% and American Express (AXP) at 16.82% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.
ALLY
Financial Services industry group
18.62%
- Max
- 62.84%
- Q3
- 28.05%
- ALLY
- 18.62%
- Median
- 15.36%
- Q1
- 4.82%
- Min
- -28.52%
AXP
Financial Services industry group
16.82%
- Max
- 62.84%
- Q3
- 28.05%
- AXP
- 16.82%
- Median
- 15.36%
- Q1
- 4.82%
- Min
- -28.52%
Operating Margin (TTM)
Both Ally Financial (ALLY) at 27.31% and American Express (AXP) at 18.43% run core operations about as efficiently as their industries’ norm — neither stands out on operating profitability.
ALLY
Financial Services industry group
27.31%
- Max
- 107.33%
- Q3
- 55.90%
- Median
- 30.09%
- ALLY
- 27.31%
- Q1
- 14.60%
- Min
- -44.34%
AXP
Financial Services industry group
18.43%
- Max
- 107.33%
- Q3
- 55.90%
- Median
- 30.09%
- AXP
- 18.43%
- Q1
- 14.60%
- Min
- -44.34%
Profitability Metrics
| Metric | ALLY | AXP |
|---|---|---|
| ROE (TTM) | 9.90% | 35.93% |
| ROA (TTM) | 0.75% | 4.03% |
| Net Margin (TTM) | 18.62% | 16.82% |
| Operating Margin (TTM) | 27.31% | 18.43% |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
American Express (AXP) at 9.52% is around its peer norm for revenue growth, while Ally Financial (ALLY) at -1.43% drops into the bottom quartile, signaling weaker demand or pricing momentum.
EPS Growth
Both Ally Financial (ALLY) at 31.67% and American Express (AXP) at 9.78% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.
Growth Metrics
| Metric | ALLY | AXP |
|---|---|---|
| Revenue Growth (YoY) | -1.43% | 9.52% |
| Revenue Growth (3Y CAGR) | -1.73% | 10.97% |
| EPS Growth (YoY) | 31.67% | 9.78% |
| EPS Growth (3Y 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 / Equity (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 Metrics
| Metric | ALLY | AXP |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Both Ally Financial (ALLY) at 3.09% and American Express (AXP) at 1.13% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.
ALLY
Financial Services industry group
3.09%
- Max
- 9.77%
- Q3
- 3.92%
- ALLY
- 3.09%
- Median
- 1.09%
- Q1
- 0.00%
- Min
- 0.00%
AXP
Financial Services industry group
1.13%
- Max
- 9.77%
- Q3
- 3.92%
- AXP
- 1.13%
- Median
- 1.09%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Both Ally Financial (ALLY) at 27.46% and American Express (AXP) at 15.32% keep payout ratio within their industries’ typical mid-ranges — dividend policies that share earnings without consuming too much of them.
ALLY
Financial Services industry group
27.46%
- Max
- 241.07%
- Q3
- 97.36%
- ALLY
- 27.46%
- Median
- 25.77%
- Q1
- 0.00%
- Min
- 0.00%
AXP
Financial Services industry group
15.32%
- Max
- 241.07%
- Q3
- 97.36%
- Median
- 25.77%
- AXP
- 15.32%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | ALLY | AXP |
|---|---|---|
| Dividend Yield (TTM) | 3.09% | 1.13% |
| Dividend Payout Ratio (TTM) | 27.46% | 15.32% |
Valuation
P/E Ratio (TTM)
Ally Financial (ALLY) at 8.73 sits in the cheaper P/E ratio quartile, while American Express (AXP) at 18.08 is closer to its industry’s usual earnings multiple — a discount for ALLY, though growth and earnings durability still matter.
ALLY
Financial Services industry group
8.73
- Max
- 45.85
- Q3
- 24.64
- Median
- 15.37
- Q1
- 9.68
- ALLY
- 8.73
- Min
- 0.16
AXP
Financial Services industry group
18.08
- Max
- 45.85
- Q3
- 24.64
- AXP
- 18.08
- Median
- 15.37
- Q1
- 9.68
- Min
- 0.16
P/S Ratio (TTM)
On P/S ratio, both Ally Financial (ALLY) at 1.43 and American Express (AXP) at 2.95 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.
ALLY
Financial Services industry group
1.43
- Max
- 9.23
- Q3
- 4.57
- Median
- 2.72
- ALLY
- 1.43
- Q1
- 1.28
- Min
- -0.55
AXP
Financial Services industry group
2.95
- Max
- 9.23
- Q3
- 4.57
- AXP
- 2.95
- Median
- 2.72
- Q1
- 1.28
- Min
- -0.55
P/B Ratio (MRQ)
Ally Financial (ALLY) at 0.88 is valued about in line with its industry on P/B ratio, while American Express (AXP) at 6.02 carries an above-peer premium to book — AXP is pricier on assets.
ALLY
Financial Services industry group
0.88
- Max
- 7.79
- Q3
- 3.63
- Median
- 1.57
- ALLY
- 0.88
- Q1
- 0.81
- Min
- -0.39
AXP
Financial Services industry group
6.02
- Max
- 7.79
- AXP
- 6.02
- Q3
- 3.63
- Median
- 1.57
- Q1
- 0.81
- Min
- -0.39
Valuation Metrics
| Metric | ALLY | AXP |
|---|---|---|
| P/E Ratio (TTM) | 8.73 | 18.08 |
| P/S Ratio (TTM) | 1.43 | 2.95 |
| P/B Ratio (MRQ) | 0.88 | 6.02 |
| Free Cash Flow Yield (TTM) | -- | -- |