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

Updated on August 24, 2025

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

Company Profile

Symbol	ALLY	RJF
Company Name	Ally Financial Inc.	Raymond James Financial, Inc.
Country	United States	United States
GICS Sector	Financials	Financials
GICS Industry	Consumer Finance	Capital Markets
Market Capitalization	11.77 billion USD	32.39 billion USD
Exchange	NYSE	NYSE
Listing Date	January 28, 2014	July 1, 1983
Security Type	Common Stock	Common Stock

Historical Performance

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

Historical Performance at a Glance

Symbol	ALLY	RJF
5-Day Price Return	-1.67%	-1.34%
13-Week Price Return	5.96%	5.63%
26-Week Price Return	2.52%	1.30%
52-Week Price Return	-10.59%	40.14%
Month-to-Date Return	1.03%	-2.79%
Year-to-Date Return	6.19%	4.60%
10-Day Avg. Volume	2.41M	0.98M
3-Month Avg. Volume	3.62M	1.14M
3-Month Volatility	25.34%	20.75%
Beta	1.21	1.08

Profitability

Return on Equity (TTM)

ALLY

2.40%

Consumer Finance Industry

Max: 32.87%
Q3: 20.39%
Median: 14.14%
Q1: 7.64%
Min: -10.63%

ALLY’s Return on Equity of 2.40% 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.

RJF

17.75%

Capital Markets Industry

Max: 38.97%
Q3: 21.61%
Median: 13.77%
Q1: 8.31%
Min: -4.25%

RJF’s Return on Equity of 17.75% is on par with the norm for the Capital Markets industry, indicating its profitability relative to shareholder equity is typical for the sector.

ALLY vs. RJF: A comparison of their Return on Equity (TTM) against their respective Consumer Finance and Capital Markets industry benchmarks.

Net Profit Margin (TTM)

ALLY

13.26%

Consumer Finance Industry

Max: 19.68%
Q3: 15.94%
Median: 13.37%
Q1: 9.73%
Min: 3.66%

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.

RJF

13.56%

Capital Markets Industry

Max: 66.67%
Q3: 35.11%
Median: 23.49%
Q1: 13.63%
Min: -15.18%

Falling into the lower quartile for the Capital Markets industry, RJF’s Net Profit Margin of 13.56% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.

ALLY vs. RJF: A comparison of their Net Profit Margin (TTM) against their respective Consumer Finance and Capital Markets industry benchmarks.

Operating Profit Margin (TTM)

ALLY

15.87%

Consumer Finance Industry

Max: 50.11%
Q3: 29.38%
Median: 18.31%
Q1: 14.26%
Min: -5.45%

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.

RJF

17.44%

Capital Markets Industry

Max: 86.40%
Q3: 46.46%
Median: 32.80%
Q1: 18.32%
Min: -21.87%

RJF’s Operating Profit Margin of 17.44% is in the lower quartile for the Capital Markets industry. This indicates weaker profitability from core operations, which may stem from inefficiencies or competitive pressures on pricing.

ALLY vs. RJF: A comparison of their Operating Profit Margin (TTM) against their respective Consumer Finance and Capital Markets industry benchmarks.

Profitability at a Glance

Symbol	ALLY	RJF
Return on Equity (TTM)	2.40%	17.75%
Return on Assets (TTM)	0.18%	2.56%
Net Profit Margin (TTM)	13.26%	13.56%
Operating Profit Margin (TTM)	15.87%	17.44%
Gross Profit Margin (TTM)	--	85.42%

Financial Strength

Current Ratio (MRQ)

ALLY

Consumer Finance Industry

Max: 5.34
Q3: 4.21
Median: 2.67
Q1: 0.71
Min: 0.20

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

RJF

0.26

Capital Markets Industry

Max: 3.76
Q3: 1.89
Median: 1.01
Q1: 0.54
Min: -0.41

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

ALLY vs. RJF: A comparison of their Current Ratio (MRQ) against their respective Consumer Finance and Capital Markets industry benchmarks.

Debt-to-Equity Ratio (MRQ)

ALLY

1.36

Consumer Finance Industry

Max: 6.63
Q3: 3.39
Median: 2.21
Q1: 0.94
Min: 0.00

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

RJF

4.98

Capital Markets Industry

Max: 6.62
Q3: 2.84
Median: 1.02
Q1: 0.32
Min: 0.00

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

ALLY vs. RJF: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Consumer Finance and Capital Markets industry benchmarks.

Interest Coverage Ratio (TTM)

ALLY

Consumer Finance Industry

Max: 49.63
Q3: 39.33
Median: 4.56
Q1: 2.97
Min: -15.69

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

RJF

Capital Markets Industry

Max: 126.03
Q3: 60.98
Median: 11.77
Q1: 4.95
Min: -36.26

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

ALLY vs. RJF: A comparison of their Interest Coverage Ratio (TTM) against their respective Consumer Finance and Capital Markets industry benchmarks.

Financial Strength at a Glance

Symbol	ALLY	RJF
Current Ratio (MRQ)	--	0.26
Quick Ratio (MRQ)	--	0.26
Debt-to-Equity Ratio (MRQ)	1.36	4.98
Interest Coverage Ratio (TTM)	--	--

Growth

Revenue Growth

ALLY vs. RJF: 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. RJF: 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

4.13%

Consumer Finance Industry

Max: 8.31%
Q3: 3.93%
Median: 2.51%
Q1: 0.84%
Min: 0.00%

With a Dividend Yield of 4.13%, ALLY offers a more attractive income stream than most of its peers in the Consumer Finance industry, signaling a strong commitment to shareholder returns.

RJF

1.25%

Capital Markets Industry

Max: 10.26%
Q3: 4.86%
Median: 2.78%
Q1: 1.22%
Min: 0.00%

RJF’s Dividend Yield of 1.25% is consistent with its peers in the Capital Markets industry, providing a dividend return that is standard for its sector.

ALLY vs. RJF: A comparison of their Dividend Yield (TTM) against their respective Consumer Finance and Capital Markets industry benchmarks.

Dividend Payout Ratio (TTM)

ALLY

33.71%

Consumer Finance Industry

Max: 145.89%
Q3: 88.53%
Median: 23.79%
Q1: 0.00%
Min: 0.00%

ALLY’s Dividend Payout Ratio of 33.71% is within the typical range for the Consumer Finance industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

RJF

19.17%

Capital Markets Industry

Max: 200.72%
Q3: 101.92%
Median: 57.97%
Q1: 32.36%
Min: 0.00%

RJF’s Dividend Payout Ratio of 19.17% is in the lower quartile for the Capital Markets industry. This suggests a conservative dividend policy, with a strategic focus on reinvesting profits for future growth.

ALLY vs. RJF: A comparison of their Dividend Payout Ratio (TTM) against their respective Consumer Finance and Capital Markets industry benchmarks.

Dividend at a Glance

Symbol	ALLY	RJF
Dividend Yield (TTM)	4.13%	1.25%
Dividend Payout Ratio (TTM)	33.71%	19.17%

Valuation

Price-to-Earnings Ratio (TTM)

ALLY

34.24

Consumer Finance Industry

Max: 34.39
Q3: 20.36
Median: 13.05
Q1: 9.29
Min: 4.74

A P/E Ratio of 34.24 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.

RJF

15.31

Capital Markets Industry

Max: 58.89
Q3: 31.00
Median: 18.54
Q1: 12.09
Min: 5.24

RJF’s P/E Ratio of 15.31 is within the middle range for the Capital Markets industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.

ALLY vs. RJF: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Consumer Finance and Capital Markets industry benchmarks.

Price-to-Sales Ratio (TTM)

ALLY

0.89

Consumer Finance Industry

Max: 4.28
Q3: 2.67
Median: 1.88
Q1: 1.15
Min: 0.55

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.

RJF

2.08

Capital Markets Industry

Max: 14.49
Q3: 7.41
Median: 4.68
Q1: 2.25
Min: 0.04

In the lower quartile for the Capital Markets industry, RJF’s P/S Ratio of 2.08 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. RJF: A comparison of their Price-to-Sales Ratio (TTM) against their respective Consumer Finance and Capital Markets industry benchmarks.

Price-to-Book Ratio (MRQ)

ALLY

0.82

Consumer Finance Industry

Max: 3.63
Q3: 2.40
Median: 1.96
Q1: 1.16
Min: 0.26

ALLY’s P/B Ratio of 0.82 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.

RJF

2.52

Capital Markets Industry

Max: 9.48
Q3: 4.94
Median: 2.42
Q1: 1.21
Min: 0.38

RJF’s P/B Ratio of 2.52 is within the conventional range for the Capital Markets 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. RJF: A comparison of their Price-to-Book Ratio (MRQ) against their respective Consumer Finance and Capital Markets industry benchmarks.

Valuation at a Glance

Symbol	ALLY	RJF
Price-to-Earnings Ratio (TTM)	34.24	15.31
Price-to-Sales Ratio (TTM)	0.89	2.08
Price-to-Book Ratio (MRQ)	0.82	2.52
Price-to-Free Cash Flow Ratio (TTM)	13.79	16.71