ALLY vs. RKT: Ally Financial vs. Rocket Stock Comparison
How do Ally Financial (ALLY) and Rocket (RKT) 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 Rocket (RKT) both fall under the Financial Services industry group, but ALLY is classified in Consumer Finance while RKT is classified in Financial Services.
| Profile Item | ALLY | RKT |
|---|---|---|
| Name | Ally Financial Inc. | Rocket Companies Inc. Class A Common Stock |
| 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 | Commercial & Residential Mortgage Finance |
| Market Capitalization | 11.45 billion USD | 42.74 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | January 28, 2014 | August 6, 2020 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | ALLY | RKT |
|---|---|---|
| Total Return (1Y) | 1.76% | -7.27% |
| Total Return (3Y, Annualized) | 18.37% | 26.30% |
| Total Return (5Y, Annualized) | -1.28% | 0.22% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
Rocket (RKT) carries a highly aggressive beta of 2.19, indicating much higher sensitivity to broad-market moves, whereas Ally Financial (ALLY) is closer to market-like at 1.15 — a noticeable difference in market-sensitivity profile.
| Metric | ALLY | RKT |
|---|---|---|
| Volatility (1Y, Annualized) | 28.62% | 58.88% |
| Beta (5Y) | 1.15 | 2.19 |
| Max Drawdown (5Y) | -55.89% | -59.90% |
| Avg. Volume (3M) | 3.74M | 34.27M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | ALLY | RKT |
|---|---|---|
| Sharpe Ratio (1Y) | -0.09 | -0.20 |
| Sortino Ratio (1Y) | -0.13 | -0.29 |
Profitability
ROE (TTM)
Both Ally Financial (ALLY) at 9.90% and Rocket (RKT) at 7.86% 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%
RKT
Financial Services industry group
7.86%
- Max
- 44.78%
- Q3
- 21.85%
- Median
- 12.91%
- RKT
- 7.86%
- Q1
- 4.48%
- Min
- -18.71%
Net Margin (TTM)
Both Ally Financial (ALLY) at 18.62% and Rocket (RKT) at 11.02% 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%
RKT
Financial Services industry group
11.02%
- Max
- 62.84%
- Q3
- 28.05%
- Median
- 15.36%
- RKT
- 11.02%
- Q1
- 4.82%
- Min
- -28.52%
Operating Margin (TTM)
Both Ally Financial (ALLY) at 27.31% and Rocket (RKT) at 43.54% 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%
RKT
Financial Services industry group
43.54%
- Max
- 107.33%
- Q3
- 55.90%
- RKT
- 43.54%
- Median
- 30.09%
- Q1
- 14.60%
- Min
- -44.34%
Profitability Metrics
| Metric | ALLY | RKT |
|---|---|---|
| ROE (TTM) | 9.90% | 7.86% |
| ROA (TTM) | 0.75% | 4.45% |
| Net Margin (TTM) | 18.62% | 11.02% |
| Operating Margin (TTM) | 27.31% | 43.54% |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Rocket (RKT) at 26.87% sits in the top revenue growth quartile, while Ally Financial (ALLY) at -1.43% is in the bottom quartile, showing a clear gap in revenue momentum.
EPS Growth
Ally Financial (ALLY) at 31.67% is around its peer norm for EPS growth, while Rocket (RKT) at -123.81% drops into the bottom quartile, signaling weaker earnings momentum.
Growth Metrics
| Metric | ALLY | RKT |
|---|---|---|
| Revenue Growth (YoY) | -1.43% | 26.87% |
| Revenue Growth (3Y CAGR) | -1.73% | 3.25% |
| EPS Growth (YoY) | 31.67% | -123.81% |
| EPS Growth (3Y CAGR) | -22.19% | -- |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Ally Financial (ALLY) in Financial Services and Rocket (RKT) 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 Rocket (RKT) 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 | RKT |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Rocket (RKT) 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%
RKT
Financial Services industry group
0.00%
- Max
- 9.77%
- Q3
- 3.92%
- Median
- 1.09%
- RKT
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Rocket (RKT) pays no dividend (payout 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Ally Financial (ALLY) reports a payout of 27.46%, ranking against industry peers normally.
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%
RKT
Financial Services industry group
0.00%
- Max
- 241.07%
- Q3
- 97.36%
- Median
- 25.77%
- RKT
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | ALLY | RKT |
|---|---|---|
| Dividend Yield (TTM) | 3.09% | 0.00% |
| Dividend Payout Ratio (TTM) | 27.46% | 0.00% |
Valuation
P/E Ratio (TTM)
An earnings multiple is available for just one side: Ally Financial (ALLY) trades at 8.73 times trailing earnings, ranked against its peers, while Rocket (RKT) has no P/E ratio this period.
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
RKT
Financial Services industry group
--
- Max
- 45.85
- Q3
- 24.64
- Median
- 15.37
- Q1
- 9.68
- Min
- 0.16
- RKT
- --
P/S Ratio (TTM)
On P/S ratio, both Ally Financial (ALLY) at 1.43 and Rocket (RKT) at 3.61 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
RKT
Financial Services industry group
3.61
- Max
- 9.23
- Q3
- 4.57
- RKT
- 3.61
- 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 Rocket (RKT) at 1.76 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
RKT
Financial Services industry group
1.76
- Max
- 7.79
- Q3
- 3.63
- RKT
- 1.76
- Median
- 1.57
- Q1
- 0.81
- Min
- -0.39
Valuation Metrics
| Metric | ALLY | RKT |
|---|---|---|
| P/E Ratio (TTM) | 8.73 | -- |
| P/S Ratio (TTM) | 1.43 | 3.61 |
| P/B Ratio (MRQ) | 0.88 | 1.76 |
| Free Cash Flow Yield (TTM) | -- | -- |