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

Updated on November 21, 2025

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

Company Profile

Symbol	ALLY	COF
Company Name	Ally Financial Inc.	Capital One Financial Corporation
Country	United States	United States
GICS Sector	Financials	Financials
GICS Industry	Consumer Finance	Consumer Finance
Market Capitalization	11.95 billion USD	133.78 billion USD
Exchange	NYSE	NYSE
Listing Date	January 28, 2014	November 16, 1994
Security Type	Common Stock	Common Stock

Historical Performance

This chart compares the performance of ALLY and COF 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. COF: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

Symbol	ALLY	COF
5-Day Price Return	0.05%	-4.18%
13-Week Price Return	1.13%	-1.99%
26-Week Price Return	7.20%	5.03%
52-Week Price Return	7.41%	13.81%
Month-to-Date Return	0.82%	-4.02%
Year-to-Date Return	9.11%	18.41%
10-Day Avg. Volume	3.04M	3.41M
3-Month Avg. Volume	3.29M	3.60M
3-Month Volatility	29.78%	27.85%
Beta	1.20	1.17

Profitability

Return on Equity (TTM)

ALLY

2.66%

Consumer Finance Industry

Max: 33.41%
Q3: 22.03%
Median: 12.81%
Q1: 8.65%
Min: -3.88%

ALLY’s Return on Equity of 2.66% 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.

COF

1.62%

Consumer Finance Industry

Max: 33.41%
Q3: 22.03%
Median: 12.81%
Q1: 8.65%
Min: -3.88%

COF’s Return on Equity of 1.62% 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.

ALLY vs. COF: A comparison of their Return on Equity (TTM) against the Consumer Finance industry benchmark.

Net Profit Margin (TTM)

ALLY

13.26%

Consumer Finance Industry

Max: 19.71%
Q3: 16.62%
Median: 13.26%
Q1: 9.70%
Min: 3.25%

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.

COF

14.90%

Consumer Finance Industry

Max: 19.71%
Q3: 16.62%
Median: 13.26%
Q1: 9.70%
Min: 3.25%

COF’s Net Profit Margin of 14.90% 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.

ALLY vs. COF: A comparison of their Net Profit Margin (TTM) against the Consumer Finance industry benchmark.

Operating Profit Margin (TTM)

ALLY

15.87%

Consumer Finance Industry

Max: 40.60%
Q3: 26.23%
Median: 18.39%
Q1: 14.99%
Min: 2.71%

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.

COF

18.33%

Consumer Finance Industry

Max: 40.60%
Q3: 26.23%
Median: 18.39%
Q1: 14.99%
Min: 2.71%

COF’s Operating Profit Margin of 18.33% is around the midpoint for the Consumer Finance industry, indicating that its efficiency in managing core business operations is typical for the sector.

ALLY vs. COF: A comparison of their Operating Profit Margin (TTM) against the Consumer Finance industry benchmark.

Profitability at a Glance

Symbol	ALLY	COF
Return on Equity (TTM)	2.66%	1.62%
Return on Assets (TTM)	0.20%	0.25%
Net Profit Margin (TTM)	13.26%	14.90%
Operating Profit Margin (TTM)	15.87%	18.33%
Gross Profit Margin (TTM)	--	--

Financial Strength

Current Ratio (MRQ)

ALLY

Consumer Finance Industry

Max: 7.85
Q3: 4.55
Median: 2.28
Q1: 0.81
Min: 0.03

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

COF

Consumer Finance Industry

Max: 7.85
Q3: 4.55
Median: 2.28
Q1: 0.81
Min: 0.03

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

ALLY vs. COF: A comparison of their Current Ratio (MRQ) against the Consumer Finance industry benchmark.

Debt-to-Equity Ratio (MRQ)

ALLY

1.14

Consumer Finance Industry

Max: 6.61
Q3: 4.27
Median: 2.40
Q1: 0.99
Min: 0.26

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

COF

0.45

Consumer Finance Industry

Max: 6.61
Q3: 4.27
Median: 2.40
Q1: 0.99
Min: 0.26

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

ALLY vs. COF: A comparison of their Debt-to-Equity Ratio (MRQ) against the Consumer Finance industry benchmark.

Interest Coverage Ratio (TTM)

ALLY

Consumer Finance Industry

Max: 49.63
Q3: 33.37
Median: 4.75
Q1: 3.20
Min: -15.69

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

COF

Consumer Finance Industry

Max: 49.63
Q3: 33.37
Median: 4.75
Q1: 3.20
Min: -15.69

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

ALLY vs. COF: A comparison of their Interest Coverage Ratio (TTM) against the Consumer Finance industry benchmark.

Financial Strength at a Glance

Symbol	ALLY	COF
Current Ratio (MRQ)	--	--
Quick Ratio (MRQ)	--	--
Debt-to-Equity Ratio (MRQ)	1.14	0.45
Interest Coverage Ratio (TTM)	--	--

Growth

Revenue Growth

ALLY vs. COF: 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. COF: 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

4.02%

Consumer Finance Industry

Max: 7.23%
Q3: 3.63%
Median: 2.52%
Q1: 0.66%
Min: 0.00%

With a Dividend Yield of 4.02%, ALLY offers a more attractive income stream than most of its peers in the Consumer Finance industry, signaling a strong commitment to shareholder returns.

COF

1.11%

Consumer Finance Industry

Max: 7.23%
Q3: 3.63%
Median: 2.52%
Q1: 0.66%
Min: 0.00%

COF’s Dividend Yield of 1.11% is consistent with its peers in the Consumer Finance industry, providing a dividend return that is standard for its sector.

ALLY vs. COF: A comparison of their Dividend Yield (TTM) against the Consumer Finance industry benchmark.

Dividend Payout Ratio (TTM)

ALLY

32.00%

Consumer Finance Industry

Max: 145.89%
Q3: 95.63%
Median: 21.64%
Q1: 0.00%
Min: 0.00%

ALLY’s Dividend Payout Ratio of 32.00% is within the typical range for the Consumer Finance industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

COF

17.97%

Consumer Finance Industry

Max: 145.89%
Q3: 95.63%
Median: 21.64%
Q1: 0.00%
Min: 0.00%

COF’s Dividend Payout Ratio of 17.97% is within the typical range for the Consumer Finance industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

ALLY vs. COF: A comparison of their Dividend Payout Ratio (TTM) against the Consumer Finance industry benchmark.

Dividend at a Glance

Symbol	ALLY	COF
Dividend Yield (TTM)	4.02%	1.11%
Dividend Payout Ratio (TTM)	32.00%	17.97%

Valuation

Price-to-Earnings Ratio (TTM)

ALLY

31.44

Consumer Finance Industry

Max: 31.44
Q3: 20.75
Median: 13.78
Q1: 9.09
Min: 2.96

A P/E Ratio of 31.44 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.

COF

93.87

Consumer Finance Industry

Max: 31.44
Q3: 20.75
Median: 13.78
Q1: 9.09
Min: 2.96

At 93.87, COF’s P/E Ratio is exceptionally high, exceeding the typical maximum for the Consumer Finance industry. This suggests the stock may be significantly overvalued compared to its peers and implies high market expectations that could be difficult to meet.

ALLY vs. COF: A comparison of their Price-to-Earnings Ratio (TTM) against the Consumer Finance industry benchmark.

Price-to-Sales Ratio (TTM)

ALLY

0.89

Consumer Finance Industry

Max: 4.05
Q3: 2.65
Median: 1.91
Q1: 1.12
Min: 0.59

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.

COF

1.12

Consumer Finance Industry

Max: 4.05
Q3: 2.65
Median: 1.91
Q1: 1.12
Min: 0.59

In the lower quartile for the Consumer Finance industry, COF’s P/S Ratio of 1.12 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.

ALLY vs. COF: A comparison of their Price-to-Sales Ratio (TTM) against the Consumer Finance industry benchmark.

Price-to-Book Ratio (MRQ)

ALLY

0.80

Consumer Finance Industry

Max: 4.46
Q3: 2.65
Median: 1.92
Q1: 1.15
Min: 0.25

ALLY’s P/B Ratio of 0.80 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.

COF

1.19

Consumer Finance Industry

Max: 4.46
Q3: 2.65
Median: 1.92
Q1: 1.15
Min: 0.25

COF’s P/B Ratio of 1.19 is within the conventional range for the Consumer Finance industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.

ALLY vs. COF: A comparison of their Price-to-Book Ratio (MRQ) against the Consumer Finance industry benchmark.

Valuation at a Glance

Symbol	ALLY	COF
Price-to-Earnings Ratio (TTM)	31.44	93.87
Price-to-Sales Ratio (TTM)	0.89	1.12
Price-to-Book Ratio (MRQ)	0.80	1.19
Price-to-Free Cash Flow Ratio (TTM)	14.17	6.37