ALLY vs. FUTU: Ally Financial vs. Futu Stock Comparison
How do Ally Financial (ALLY) and Futu (FUTU) 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 Futu (FUTU) both fall under the Financial Services industry group, but ALLY is classified in Consumer Finance while FUTU is classified in Capital Markets.
Ally Financial (ALLY) trades as ordinary local shares, while Futu (FUTU) trades as an ADR — compare with FX exposure, depositary-program fees, and dividend-withholding-tax differences in mind.
| Profile Item | ALLY | FUTU |
|---|---|---|
| Name | Ally Financial Inc. | Futu Holdings Ltd. ADR |
| Country/Region | United States | Hong Kong |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Financial Services | Financial Services |
| GICS Industry | Consumer Finance | Capital Markets |
| GICS Sub-Industry | Consumer Finance | Investment Banking & Brokerage |
| Market Capitalization | 11.45 billion USD | 13.75 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | Nasdaq |
| Listing Date | January 28, 2014 | March 8, 2019 |
| Security Type | Common Stock | ADR |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | ALLY | FUTU |
|---|---|---|
| Total Return (1Y) | 1.76% | -45.15% |
| Total Return (3Y, Annualized) | 18.37% | 22.02% |
| Total Return (5Y, Annualized) | -1.28% | 13.70% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | ALLY | FUTU |
|---|---|---|
| Volatility (1Y, Annualized) | 28.62% | 59.94% |
| Beta (5Y) | 1.15 | 0.68 |
| Max Drawdown (5Y) | -55.89% | -60.17% |
| Avg. Volume (3M) | 3.74M | 1.18M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | ALLY | FUTU |
|---|---|---|
| Sharpe Ratio (1Y) | -0.09 | -0.82 |
| Sortino Ratio (1Y) | -0.13 | -1.10 |
Profitability
ROE (TTM)
Futu (FUTU) at 30.52% sits in the top ROE quartile, while Ally Financial (ALLY) at 9.90% is closer to the peer norm — stronger capital efficiency for FUTU.
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%
FUTU
Financial Services industry group
30.52%
- Max
- 44.78%
- FUTU
- 30.52%
- Q3
- 21.85%
- Median
- 12.91%
- Q1
- 4.48%
- Min
- -18.71%
Net Margin (TTM)
Futu (FUTU) at 46.20% retains a top-quartile share of revenue as profit, ahead of Ally Financial (ALLY) at 18.62%, which keeps about the industry-typical share.
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%
FUTU
Financial Services industry group
46.20%
- Max
- 62.84%
- FUTU
- 46.20%
- Q3
- 28.05%
- Median
- 15.36%
- Q1
- 4.82%
- Min
- -28.52%
Operating Margin (TTM)
Futu (FUTU) at 66.75% operates in the top operating margin quartile, ahead of Ally Financial (ALLY) at 27.31%, which runs around its industry’s norm.
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%
FUTU
Financial Services industry group
66.75%
- Max
- 107.33%
- FUTU
- 66.75%
- Q3
- 55.90%
- Median
- 30.09%
- Q1
- 14.60%
- Min
- -44.34%
Profitability Metrics
| Metric | ALLY | FUTU |
|---|---|---|
| ROE (TTM) | 9.90% | 30.52% |
| ROA (TTM) | 0.75% | 4.51% |
| Net Margin (TTM) | 18.62% | 46.20% |
| Operating Margin (TTM) | 27.31% | 66.75% |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Futu (FUTU) at 68.11% delivers above-range revenue growth, while Ally Financial (ALLY) at -1.43% falls into the bottom quartile — a wide split in revenue momentum.
EPS Growth
Futu (FUTU) at 106.38% sits in the top EPS growth quartile, while Ally Financial (ALLY) at 31.67% is closer to the peer norm — faster per-share earnings growth for FUTU.
Growth Metrics
| Metric | ALLY | FUTU |
|---|---|---|
| Revenue Growth (YoY) | -1.43% | 68.11% |
| Revenue Growth (3Y CAGR) | -1.73% | 44.24% |
| EPS Growth (YoY) | 31.67% | 106.38% |
| EPS Growth (3Y CAGR) | -22.19% | 58.06% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Ally Financial (ALLY) in Financial Services and Futu (FUTU) 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 Futu (FUTU) 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 | FUTU |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Futu (FUTU) 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.
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%
FUTU
Financial Services industry group
0.00%
- Max
- 9.77%
- Q3
- 3.92%
- Median
- 1.09%
- FUTU
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Both Ally Financial (ALLY) at 27.46% and Futu (FUTU) at 25.80% 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%
FUTU
Financial Services industry group
25.80%
- Max
- 241.07%
- Q3
- 97.36%
- FUTU
- 25.80%
- Median
- 25.77%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | ALLY | FUTU |
|---|---|---|
| Dividend Yield (TTM) | 3.09% | 0.00% |
| Dividend Payout Ratio (TTM) | 27.46% | 25.80% |
Valuation
P/E Ratio (TTM)
Ally Financial (ALLY) at 8.73 sits in the cheaper P/E ratio quartile, while Futu (FUTU) at 9.73 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
FUTU
Financial Services industry group
9.73
- Max
- 45.85
- Q3
- 24.64
- Median
- 15.37
- FUTU
- 9.73
- Q1
- 9.68
- Min
- 0.16
P/S Ratio (TTM)
Futu (FUTU) at 0.57 sits in the cheaper P/S ratio quartile while Ally Financial (ALLY) at 1.43 prices around its industry’s middle — FUTU costs less per dollar of sales, though read it alongside growth and margins.
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
FUTU
Financial Services industry group
0.57
- Max
- 9.23
- Q3
- 4.57
- Median
- 2.72
- Q1
- 1.28
- FUTU
- 0.57
- Min
- -0.55
P/B Ratio (MRQ)
On P/B ratio, both Ally Financial (ALLY) at 0.88 and Futu (FUTU) at 2.75 are valued close to their industries’ norm against book — neither stands out from peers.
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
FUTU
Financial Services industry group
2.75
- Max
- 7.79
- Q3
- 3.63
- FUTU
- 2.75
- Median
- 1.57
- Q1
- 0.81
- Min
- -0.39
Valuation Metrics
| Metric | ALLY | FUTU |
|---|---|---|
| P/E Ratio (TTM) | 8.73 | 9.73 |
| P/S Ratio (TTM) | 1.43 | 0.57 |
| P/B Ratio (MRQ) | 0.88 | 2.75 |
| Free Cash Flow Yield (TTM) | -- | -- |