ALLY vs. GS: Ally Financial vs. Goldman Sachs Stock Comparison
How do Ally Financial (ALLY) and Goldman Sachs (GS) 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 Goldman Sachs (GS) both fall under the Financial Services industry group, but ALLY is classified in Consumer Finance while GS is classified in Capital Markets.
| Profile Item | ALLY | GS |
|---|---|---|
| Name | Ally Financial Inc. | The Goldman Sachs Group, Inc. |
| Country/Region | United States | United States |
| 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 | 249.73 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | January 28, 2014 | May 4, 1999 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | ALLY | GS |
|---|---|---|
| Total Return (1Y) | 1.76% | 17.85% |
| Total Return (3Y, Annualized) | 18.37% | 44.69% |
| Total Return (5Y, Annualized) | -1.28% | 20.41% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | ALLY | GS |
|---|---|---|
| Volatility (1Y, Annualized) | 28.62% | 33.28% |
| Beta (5Y) | 1.15 | 1.27 |
| Max Drawdown (5Y) | -55.89% | -30.90% |
| Avg. Volume (3M) | 3.74M | 2.10M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | ALLY | GS |
|---|---|---|
| Sharpe Ratio (1Y) | -0.09 | 0.41 |
| Sortino Ratio (1Y) | -0.13 | 0.59 |
Profitability
ROE (TTM)
Both Ally Financial (ALLY) at 9.90% and Goldman Sachs (GS) at 17.71% land near their industries’ usual ROE ranges, so capital efficiency looks broadly in line with peers on both sides.
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%
GS
Financial Services industry group
17.71%
- Max
- 44.78%
- Q3
- 21.85%
- GS
- 17.71%
- Median
- 12.91%
- Q1
- 4.48%
- Min
- -18.71%
Net Margin (TTM)
Goldman Sachs (GS) at 31.21% 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%
GS
Financial Services industry group
31.21%
- Max
- 62.84%
- GS
- 31.21%
- Q3
- 28.05%
- Median
- 15.36%
- Q1
- 4.82%
- Min
- -28.52%
Operating Margin (TTM)
Both Ally Financial (ALLY) at 27.31% and Goldman Sachs (GS) at 38.37% 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%
GS
Financial Services industry group
38.37%
- Max
- 107.33%
- Q3
- 55.90%
- GS
- 38.37%
- Median
- 30.09%
- Q1
- 14.60%
- Min
- -44.34%
Profitability Metrics
| Metric | ALLY | GS |
|---|---|---|
| ROE (TTM) | 9.90% | 17.71% |
| ROA (TTM) | 0.75% | 1.11% |
| Net Margin (TTM) | 18.62% | 31.21% |
| Operating Margin (TTM) | 27.31% | 38.37% |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Goldman Sachs (GS) at 8.92% 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 Goldman Sachs (GS) at 26.59% 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 | GS |
|---|---|---|
| Revenue Growth (YoY) | -1.43% | 8.92% |
| Revenue Growth (3Y CAGR) | -1.73% | 7.16% |
| EPS Growth (YoY) | 31.67% | 26.59% |
| EPS Growth (3Y CAGR) | -22.19% | 19.52% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Ally Financial (ALLY) in Financial Services and Goldman Sachs (GS) 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 Goldman Sachs (GS) 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 | GS |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Both Ally Financial (ALLY) at 3.09% and Goldman Sachs (GS) at 2.07% 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%
GS
Financial Services industry group
2.07%
- Max
- 9.77%
- Q3
- 3.92%
- GS
- 2.07%
- Median
- 1.09%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Both Ally Financial (ALLY) at 27.46% and Goldman Sachs (GS) at 25.88% 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%
GS
Financial Services industry group
25.88%
- Max
- 241.07%
- Q3
- 97.36%
- GS
- 25.88%
- Median
- 25.77%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | ALLY | GS |
|---|---|---|
| Dividend Yield (TTM) | 3.09% | 2.07% |
| Dividend Payout Ratio (TTM) | 27.46% | 25.88% |
Valuation
P/E Ratio (TTM)
Ally Financial (ALLY) at 8.73 sits in the cheaper P/E ratio quartile, while Goldman Sachs (GS) at 12.45 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
GS
Financial Services industry group
12.45
- Max
- 45.85
- Q3
- 24.64
- Median
- 15.37
- GS
- 12.45
- Q1
- 9.68
- Min
- 0.16
P/S Ratio (TTM)
On P/S ratio, both Ally Financial (ALLY) at 1.43 and Goldman Sachs (GS) at 3.52 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
GS
Financial Services industry group
3.52
- Max
- 9.23
- Q3
- 4.57
- GS
- 3.52
- Median
- 2.72
- Q1
- 1.28
- Min
- -0.55
P/B Ratio (MRQ)
On P/B ratio, both Ally Financial (ALLY) at 0.88 and Goldman Sachs (GS) at 2.36 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
GS
Financial Services industry group
2.36
- Max
- 7.79
- Q3
- 3.63
- GS
- 2.36
- Median
- 1.57
- Q1
- 0.81
- Min
- -0.39
Valuation Metrics
| Metric | ALLY | GS |
|---|---|---|
| P/E Ratio (TTM) | 8.73 | 12.45 |
| P/S Ratio (TTM) | 1.43 | 3.52 |
| P/B Ratio (MRQ) | 0.88 | 2.36 |
| Free Cash Flow Yield (TTM) | -- | -- |