ALLY vs. MA: Ally Financial vs. Mastercard Stock Comparison

June 19, 2026

This page compares Ally Financial (ALLY) with Mastercard (MA) using performance and risk, profitability, financial strength, growth, dividends, and valuation metrics.

Performance

Cumulative Growth

ALLY

Ally Financial (ALLY) vs. Mastercard (MA): Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for Ally Financial (ALLY) and Mastercard (MA). Returns over one year are annualized.

Performance at a Glance

Performance metrics for Ally Financial (ALLY) and Mastercard (MA)
Metric	ALLY	MA
1-Year Return	27.18%	-8.55%

Risk

Drawdown

ALLY

Ally Financial (ALLY) vs. Mastercard (MA): Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Risk at a Glance

Risk metrics for Ally Financial (ALLY) and Mastercard (MA)
Metric	ALLY	MA
1-Year Volatility	29.87%	21.38%
Beta	1.10	0.74
3-Month Avg. Volume	3.44M	3.66M

Company Profile

Ally Financial (ALLY) and Mastercard (MA) both fall under the Financial Services industry group, but ALLY is classified in Consumer Finance while MA is classified in Financial Services.

Company profile comparison for Ally Financial (ALLY) and Mastercard (MA)
Profile Item	ALLY	MA
Name	Ally Financial Inc.	Mastercard Incorporated
Country/Region	United States	United States
GICS Sector	Financials	Financials
GICS Industry Group	Financial Services	Financial Services
GICS Industry	Consumer Finance	Financial Services
GICS Sub-Industry	Consumer Finance	Transaction & Payment Processing Services
Market Capitalization	13.94 billion USD	432.77 billion USD
Currency	USD	USD
Exchange	NYSE	NYSE
Listing Date	January 28, 2014	May 25, 2006
Security Type	Common Stock	Common Stock

Valuation

Price-to-Earnings Ratio (TTM)

Ally Financial (ALLY) at 11.04 is near its industry’s usual P/E ratio, while Mastercard (MA) at 28.31 sits in the richer quartile — MA needs stronger growth or earnings quality to justify the premium.

ALLY

Financial Services industry group

11.04

Max: 45.29
Q3: 25.35
Median: 14.55
ALLY: 11.04
Q1: 9.01
Min: 0.62

MA

Financial Services industry group

28.31

Max: 45.29
MA: 28.31
Q3: 25.35
Median: 14.55
Q1: 9.01
Min: 0.62

Ally Financial (ALLY) vs. Mastercard (MA): A comparison of their P/E ratio against the Financial Services industry group benchmark.

Price-to-Sales Ratio (TTM)

Ally Financial (ALLY) at 1.81 prices around its industry’s typical P/S ratio, while Mastercard (MA) at 12.75 clears its benchmark range — MA looks notably rich on sales.

ALLY

Financial Services industry group

1.81

Max: 10.00
Q3: 4.88
Median: 2.89
ALLY: 1.81
Q1: 1.44
Min: -1.20

MA

Financial Services industry group

12.75

MA: 12.75
Max: 10.00
Q3: 4.88
Median: 2.89
Q1: 1.44
Min: -1.20

Ally Financial (ALLY) vs. Mastercard (MA): A comparison of their P/S ratio against the Financial Services industry group benchmark.

Price-to-Book Ratio (MRQ)

Ally Financial (ALLY) at 1.05 sits near its industry’s typical P/B ratio, while Mastercard (MA) at 64.65 prices above its benchmark range — MA looks rich relative to book.

ALLY

Financial Services industry group

1.05

Max: 7.19
Q3: 3.53
Median: 1.66
ALLY: 1.05
Q1: 0.90
Min: 0.00

MA

Financial Services industry group

64.65

MA: 64.65
Max: 7.19
Q3: 3.53
Median: 1.66
Q1: 0.90
Min: 0.00

Ally Financial (ALLY) vs. Mastercard (MA): A comparison of their P/B ratio against the Financial Services industry group benchmark.

Valuation at a Glance

Valuation metrics for Ally Financial (ALLY) and Mastercard (MA)
Metric	ALLY	MA
Price-to-Earnings Ratio (TTM)	11.04	28.31
Price-to-Sales Ratio (TTM)	1.81	12.75
Price-to-Book Ratio (MRQ)	1.05	64.65
Free Cash Flow Yield	--	--

Profitability

Return on Equity (TTM)

Mastercard (MA) at 232.08% clears its industry range for ROE, a sharper capital-efficiency signal than Ally Financial (ALLY) at 9.36%, which is closer to a typical peer reading.

ALLY

Financial Services industry group

9.36%

Max: 42.17%
Q3: 21.57%
Median: 12.32%
ALLY: 9.36%
Q1: 5.04%
Min: -17.69%

MA

Financial Services industry group

232.08%

MA: 232.08%
Max: 42.17%
Q3: 21.57%
Median: 12.32%
Q1: 5.04%
Min: -17.69%

Ally Financial (ALLY) vs. Mastercard (MA): A comparison of their ROE against the Financial Services industry group benchmark.

Net Profit Margin (TTM)

Mastercard (MA) at 45.88% retains a top-quartile share of revenue as profit, ahead of Ally Financial (ALLY) at 18.16%, which keeps about the industry-typical share.

ALLY

Financial Services industry group

18.16%

Max: 66.55%
Q3: 30.45%
ALLY: 18.16%
Median: 16.66%
Q1: 4.52%
Min: -26.88%

MA

Financial Services industry group

45.88%

Max: 66.55%
MA: 45.88%
Q3: 30.45%
Median: 16.66%
Q1: 4.52%
Min: -26.88%

Ally Financial (ALLY) vs. Mastercard (MA): A comparison of their net margin against the Financial Services industry group benchmark.

Operating Profit Margin (TTM)

Mastercard (MA) at 60.84% operates in the top operating margin quartile, ahead of Ally Financial (ALLY) at 21.02%, which runs around its industry’s norm.

ALLY

Financial Services industry group

21.02%

Max: 95.95%
Q3: 48.40%
Median: 26.61%
ALLY: 21.02%
Q1: 12.07%
Min: -36.26%

MA

Financial Services industry group

60.84%

Max: 95.95%
MA: 60.84%
Q3: 48.40%
Median: 26.61%
Q1: 12.07%
Min: -36.26%

Ally Financial (ALLY) vs. Mastercard (MA): A comparison of their operating margin against the Financial Services industry group benchmark.

Profitability at a Glance

Profitability metrics for Ally Financial (ALLY) and Mastercard (MA)
Metric	ALLY	MA
Return on Equity (TTM)	9.36%	232.08%
Return on Assets (TTM)	0.72%	25.03%
Net Profit Margin (TTM)	18.16%	45.88%
Operating Profit Margin (TTM)	21.02%	60.84%
Gross Profit Margin (TTM)	--	--

Growth

Revenue Growth

Ally Financial (ALLY) vs. Mastercard (MA): A comparison of their Revenue Growth across different time periods.

Revenue Growth at a Glance

Revenue growth metrics for Ally Financial (ALLY) and Mastercard (MA)
Metric	ALLY	MA
1-Year Revenue Growth	-1.43%	16.42%
3-Year Revenue CAGR	-1.73%	13.82%

EPS Growth

Ally Financial (ALLY) vs. Mastercard (MA): A comparison of their EPS Growth across different time periods.

EPS Growth at a Glance

EPS growth metrics for Ally Financial (ALLY) and Mastercard (MA)
Metric	ALLY	MA
1-Year EPS Growth	31.67%	18.93%
3-Year EPS CAGR	-22.19%	17.36%

Financial Strength

Current Ratio (MRQ)

current ratio doesn’t apply on either side: Ally Financial (ALLY) in Financial Services and Mastercard (MA) 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-to-Equity Ratio (MRQ)

debt-to-equity ratio is set aside for both: Ally Financial (ALLY) in Financial Services and Mastercard (MA) 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 at a Glance

Financial strength metrics for Ally Financial (ALLY) and Mastercard (MA)
Metric	ALLY	MA
Current Ratio (MRQ)	--	--
Debt-to-Equity Ratio (MRQ)	--	--
Net Debt / EBITDA	--	--

Dividends

Dividend Yield (TTM)

Ally Financial (ALLY) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Mastercard (MA) reports a yield of 0.69%, ranking against industry peers normally.

ALLY

Financial Services industry group

0.00%

Max: 9.57%
Q3: 3.98%
ALLY: 0.00%
Median: 0.00%
Q1: 0.00%
Min: 0.00%

MA

Financial Services industry group

0.69%

Max: 9.57%
Q3: 3.98%
MA: 0.69%
Median: 0.00%
Q1: 0.00%
Min: 0.00%

Ally Financial (ALLY) vs. Mastercard (MA): A comparison of their dividend yield against the Financial Services industry group benchmark.

Dividend Payout Ratio (TTM)

Dividend policy can be sized up on one side only: Mastercard (MA) pays out 18.23% of earnings, measured against its industry’s payout band; Ally Financial (ALLY) shows no payout ratio this period.

ALLY

Financial Services industry group

Max: 248.04%
Q3: 99.70%
Median: 25.37%
Q1: 0.00%
Min: 0.00%
ALLY: --

MA

Financial Services industry group

18.23%

Max: 248.04%
Q3: 99.70%
Median: 25.37%
MA: 18.23%
Q1: 0.00%
Min: 0.00%

Ally Financial (ALLY) vs. Mastercard (MA): ALLY does not report payout ratio, so it has no value marker; MA is benchmarked against the Financial Services industry group.

Dividends at a Glance

Dividend metrics for Ally Financial (ALLY) and Mastercard (MA)
Metric	ALLY	MA
Dividend Yield (TTM)	0.00%	0.69%
Dividend Payout Ratio (TTM)	--	18.23%