ALLY vs. MS: Ally Financial vs. Morgan Stanley Stock Comparison
How do Ally Financial (ALLY) and Morgan Stanley (MS) 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 Morgan Stanley (MS) both fall under the Financial Services industry group, but ALLY is classified in Consumer Finance while MS is classified in Capital Markets.
| Profile Item | ALLY | MS |
|---|---|---|
| Name | Ally Financial Inc. | Morgan Stanley Common Stock |
| 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 | 283.60 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | January 28, 2014 | February 23, 1993 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | ALLY | MS |
|---|---|---|
| Total Return (1Y) | 1.76% | 19.44% |
| Total Return (3Y, Annualized) | 18.37% | 40.69% |
| Total Return (5Y, Annualized) | -1.28% | 17.38% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | ALLY | MS |
|---|---|---|
| Volatility (1Y, Annualized) | 28.62% | 29.73% |
| Beta (5Y) | 1.15 | 1.21 |
| Max Drawdown (5Y) | -55.89% | -32.38% |
| Avg. Volume (3M) | 3.74M | 5.37M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | ALLY | MS |
|---|---|---|
| Sharpe Ratio (1Y) | -0.09 | 0.51 |
| Sortino Ratio (1Y) | -0.13 | 0.73 |
Profitability
ROE (TTM)
Both Ally Financial (ALLY) at 9.90% and Morgan Stanley (MS) at 18.04% 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%
MS
Financial Services industry group
18.04%
- Max
- 44.78%
- Q3
- 21.85%
- MS
- 18.04%
- Median
- 12.91%
- Q1
- 4.48%
- Min
- -18.71%
Net Margin (TTM)
Both Ally Financial (ALLY) at 18.62% and Morgan Stanley (MS) at 25.63% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.
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%
MS
Financial Services industry group
25.63%
- Max
- 62.84%
- Q3
- 28.05%
- MS
- 25.63%
- Median
- 15.36%
- Q1
- 4.82%
- Min
- -28.52%
Operating Margin (TTM)
Both Ally Financial (ALLY) at 27.31% and Morgan Stanley (MS) at 39.00% 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%
MS
Financial Services industry group
39.00%
- Max
- 107.33%
- Q3
- 55.90%
- MS
- 39.00%
- Median
- 30.09%
- Q1
- 14.60%
- Min
- -44.34%
Profitability Metrics
| Metric | ALLY | MS |
|---|---|---|
| ROE (TTM) | 9.90% | 18.04% |
| ROA (TTM) | 0.75% | 1.35% |
| Net Margin (TTM) | 18.62% | 25.63% |
| Operating Margin (TTM) | 27.31% | 39.00% |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Morgan Stanley (MS) at 14.48% 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 Morgan Stanley (MS) at 28.43% 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 | MS |
|---|---|---|
| Revenue Growth (YoY) | -1.43% | 14.48% |
| Revenue Growth (3Y CAGR) | -1.73% | 9.52% |
| EPS Growth (YoY) | 31.67% | 28.43% |
| EPS Growth (3Y CAGR) | -22.19% | 18.41% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Ally Financial (ALLY) in Financial Services and Morgan Stanley (MS) 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 Morgan Stanley (MS) 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 | MS |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Both Ally Financial (ALLY) at 3.09% and Morgan Stanley (MS) at 2.40% 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%
MS
Financial Services industry group
2.40%
- Max
- 9.77%
- Q3
- 3.92%
- MS
- 2.40%
- Median
- 1.09%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Both Ally Financial (ALLY) at 27.46% and Morgan Stanley (MS) at 32.91% 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%
MS
Financial Services industry group
32.91%
- Max
- 241.07%
- Q3
- 97.36%
- MS
- 32.91%
- Median
- 25.77%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | ALLY | MS |
|---|---|---|
| Dividend Yield (TTM) | 3.09% | 2.40% |
| Dividend Payout Ratio (TTM) | 27.46% | 32.91% |
Valuation
P/E Ratio (TTM)
Ally Financial (ALLY) at 8.73 sits in the cheaper P/E ratio quartile, while Morgan Stanley (MS) at 14.39 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
MS
Financial Services industry group
14.39
- Max
- 45.85
- Q3
- 24.64
- Median
- 15.37
- MS
- 14.39
- Q1
- 9.68
- Min
- 0.16
P/S Ratio (TTM)
On P/S ratio, both Ally Financial (ALLY) at 1.43 and Morgan Stanley (MS) at 3.55 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
MS
Financial Services industry group
3.55
- Max
- 9.23
- Q3
- 4.57
- MS
- 3.55
- 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 Morgan Stanley (MS) at 2.65 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
MS
Financial Services industry group
2.65
- Max
- 7.79
- Q3
- 3.63
- MS
- 2.65
- Median
- 1.57
- Q1
- 0.81
- Min
- -0.39
Valuation Metrics
| Metric | ALLY | MS |
|---|---|---|
| P/E Ratio (TTM) | 8.73 | 14.39 |
| P/S Ratio (TTM) | 1.43 | 3.55 |
| P/B Ratio (MRQ) | 0.88 | 2.65 |
| Free Cash Flow Yield (TTM) | -- | -- |