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ALLY vs. CHYM: A Head-to-Head Stock Comparison

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Here’s a clear look at ALLY and CHYM, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.

Company Profile

SymbolALLYCHYM
Company NameAlly Financial Inc.Chime Financial, Inc.
CountryUnited StatesUnited States
GICS SectorFinancialsFinancials
GICS IndustryConsumer FinanceFinancial Services
Market Capitalization12.25 billion USD7.82 billion USD
ExchangeNYSENasdaqGS
Listing DateJanuary 28, 2014June 12, 2025
Security TypeCommon StockCommon Stock

Historical Performance

This chart compares the performance of ALLY and CHYM by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period. Data is adjusted for dividends and splits.

ALLY vs. CHYM: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

SymbolALLYCHYM
5-Day Price Return1.51%0.34%
13-Week Price Return-1.53%-33.37%
26-Week Price Return8.45%--
52-Week Price Return15.47%--
Month-to-Date Return1.51%3.47%
Year-to-Date Return10.50%-43.76%
10-Day Avg. Volume4.28M3.26M
3-Month Avg. Volume3.52M3.50M
3-Month Volatility24.00%56.98%
Beta1.242.54

Profitability

Return on Equity (TTM)

ALLY

2.40%

Consumer Finance Industry

Max
32.87%
Q3
21.72%
Median
12.80%
Q1
9.07%
Min
-3.88%

ALLY’s Return on Equity of 2.40% is in the lower quartile for the Consumer Finance industry. This indicates a less efficient generation of profit from its equity base when compared to its competitors.

CHYM

--

Financial Services Industry

Max
39.28%
Q3
18.88%
Median
9.97%
Q1
4.03%
Min
-10.25%

Return on Equity data for CHYM is currently unavailable.

ALLY vs. CHYM: A comparison of their Return on Equity (TTM) against their respective Consumer Finance and Financial Services industry benchmarks.

Net Profit Margin (TTM)

ALLY

13.26%

Consumer Finance Industry

Max
19.68%
Q3
17.11%
Median
13.55%
Q1
9.71%
Min
-0.75%

ALLY’s Net Profit Margin of 13.26% is aligned with the median group of its peers in the Consumer Finance industry. This indicates its ability to convert revenue into profit is typical for the sector.

CHYM

-86.97%

Financial Services Industry

Max
52.16%
Q3
25.35%
Median
12.68%
Q1
6.11%
Min
-11.69%

CHYM has a negative Net Profit Margin of -86.97%, indicating the company is operating at a net loss as its expenses exceeded its revenues.

ALLY vs. CHYM: A comparison of their Net Profit Margin (TTM) against their respective Consumer Finance and Financial Services industry benchmarks.

Operating Profit Margin (TTM)

ALLY

15.87%

Consumer Finance Industry

Max
50.11%
Q3
32.02%
Median
19.92%
Q1
14.90%
Min
-5.45%

ALLY’s Operating Profit Margin of 15.87% is around the midpoint for the Consumer Finance industry, indicating that its efficiency in managing core business operations is typical for the sector.

CHYM

-88.02%

Financial Services Industry

Max
75.57%
Q3
37.78%
Median
19.09%
Q1
10.04%
Min
-19.42%

CHYM has a negative Operating Profit Margin of -88.02%. This signifies the company is unprofitable at the operational level, as its core business expenses exceed its revenue.

ALLY vs. CHYM: A comparison of their Operating Profit Margin (TTM) against their respective Consumer Finance and Financial Services industry benchmarks.

Profitability at a Glance

SymbolALLYCHYM
Return on Equity (TTM)2.40%--
Return on Assets (TTM)0.18%--
Net Profit Margin (TTM)13.26%-86.97%
Operating Profit Margin (TTM)15.87%-88.02%
Gross Profit Margin (TTM)--87.82%

Financial Strength

Current Ratio (MRQ)

ALLY

--

Consumer Finance Industry

Max
7.85
Q3
4.26
Median
2.28
Q1
0.82
Min
0.07

For the Consumer Finance industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

CHYM

4.83

Financial Services Industry

Max
4.83
Q3
2.70
Median
1.44
Q1
0.86
Min
0.01

For the Financial Services industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

ALLY vs. CHYM: A comparison of their Current Ratio (MRQ) against their respective Consumer Finance and Financial Services industry benchmarks.

Debt-to-Equity Ratio (MRQ)

ALLY

1.36

Consumer Finance Industry

Max
6.63
Q3
3.60
Median
2.40
Q1
0.99
Min
0.23

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Consumer Finance industry.

CHYM

0.00

Financial Services Industry

Max
5.07
Q3
2.14
Median
0.66
Q1
0.12
Min
0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Financial Services industry.

ALLY vs. CHYM: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Consumer Finance and Financial Services industry benchmarks.

Interest Coverage Ratio (TTM)

ALLY

--

Consumer Finance Industry

Max
49.63
Q3
28.11
Median
4.75
Q1
2.86
Min
-15.69

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Consumer Finance industry.

CHYM

--

Financial Services Industry

Max
136.23
Q3
56.08
Median
6.55
Q1
2.01
Min
-33.27

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Financial Services industry.

ALLY vs. CHYM: A comparison of their Interest Coverage Ratio (TTM) against their respective Consumer Finance and Financial Services industry benchmarks.

Financial Strength at a Glance

SymbolALLYCHYM
Current Ratio (MRQ)--4.83
Quick Ratio (MRQ)--4.62
Debt-to-Equity Ratio (MRQ)1.360.00
Interest Coverage Ratio (TTM)----

Growth

Revenue Growth

ALLY vs. CHYM: A side-by-side comparison of their Revenue Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

EPS Growth

ALLY vs. CHYM: A side-by-side comparison of their EPS Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

Dividend

Dividend Yield (TTM)

ALLY

3.98%

Consumer Finance Industry

Max
7.21%
Q3
3.38%
Median
2.39%
Q1
0.67%
Min
0.00%

With a Dividend Yield of 3.98%, ALLY offers a more attractive income stream than most of its peers in the Consumer Finance industry, signaling a strong commitment to shareholder returns.

CHYM

0.00%

Financial Services Industry

Max
8.12%
Q3
3.37%
Median
1.70%
Q1
0.00%
Min
0.00%

CHYM currently does not pay a dividend, resulting in a yield of 0%. This is a common strategy for growth-focused companies that prioritize reinvesting earnings, though it may be less typical in mature, income-oriented sectors.

ALLY vs. CHYM: A comparison of their Dividend Yield (TTM) against their respective Consumer Finance and Financial Services industry benchmarks.

Dividend Payout Ratio (TTM)

ALLY

33.71%

Consumer Finance Industry

Max
145.89%
Q3
88.89%
Median
25.97%
Q1
9.25%
Min
0.00%

ALLY’s Dividend Payout Ratio of 33.71% is within the typical range for the Consumer Finance industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

CHYM

0.00%

Financial Services Industry

Max
132.10%
Q3
64.32%
Median
18.23%
Q1
0.00%
Min
0.00%

CHYM has a Dividend Payout Ratio of 0%, indicating it does not currently pay a dividend. This is a common strategy for growth-oriented companies that reinvest all profits back into the business.

ALLY vs. CHYM: A comparison of their Dividend Payout Ratio (TTM) against their respective Consumer Finance and Financial Services industry benchmarks.

Dividend at a Glance

SymbolALLYCHYM
Dividend Yield (TTM)3.98%0.00%
Dividend Payout Ratio (TTM)33.71%0.00%

Valuation

Price-to-Earnings Ratio (TTM)

ALLY

35.46

Consumer Finance Industry

Max
35.93
Q3
20.63
Median
12.65
Q1
9.73
Min
3.96

A P/E Ratio of 35.46 places ALLY in the upper quartile for the Consumer Finance industry. This high valuation relative to peers suggests the market holds elevated expectations for the company’s future growth.

CHYM

--

Financial Services Industry

Max
45.81
Q3
30.21
Median
16.29
Q1
10.14
Min
0.70

P/E Ratio data for CHYM is currently unavailable.

ALLY vs. CHYM: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Consumer Finance and Financial Services industry benchmarks.

Price-to-Sales Ratio (TTM)

ALLY

0.89

Consumer Finance Industry

Max
3.79
Q3
2.71
Median
1.91
Q1
1.14
Min
0.61

In the lower quartile for the Consumer Finance industry, ALLY’s P/S Ratio of 0.89 indicates its revenue is valued more conservatively than most of its peers. This could present a compelling opportunity if the market has overlooked its sales-generating capabilities.

CHYM

7.47

Financial Services Industry

Max
10.88
Q3
5.34
Median
2.64
Q1
1.24
Min
0.06

The P/S Ratio is often not a primary valuation tool in the Financial Services industry.

ALLY vs. CHYM: A comparison of their Price-to-Sales Ratio (TTM) against their respective Consumer Finance and Financial Services industry benchmarks.

Price-to-Book Ratio (MRQ)

ALLY

0.82

Consumer Finance Industry

Max
3.80
Q3
2.83
Median
2.02
Q1
1.18
Min
0.26

ALLY’s P/B Ratio of 0.82 is in the lower quartile for the Consumer Finance industry. From a value investing perspective, this is favorable, as it suggests the stock is trading at a discount to its net asset value and may offer a greater margin of safety.

CHYM

8.81

Financial Services Industry

Max
7.93
Q3
3.78
Median
1.49
Q1
0.88
Min
0.08

At 8.81, CHYM’s P/B Ratio is at an extreme premium to the Financial Services industry. This signifies that the market’s valuation is heavily reliant on future potential rather than its current net asset value, which can be a high-risk proposition.

ALLY vs. CHYM: A comparison of their Price-to-Book Ratio (MRQ) against their respective Consumer Finance and Financial Services industry benchmarks.

Valuation at a Glance

SymbolALLYCHYM
Price-to-Earnings Ratio (TTM)35.46--
Price-to-Sales Ratio (TTM)0.897.47
Price-to-Book Ratio (MRQ)0.828.81
Price-to-Free Cash Flow Ratio (TTM)14.28--