ALLY vs. TOST: Ally Financial vs. Toast Stock Comparison
How do Ally Financial (ALLY) and Toast (TOST) 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 Toast (TOST) both fall under the Financial Services industry group, but ALLY is classified in Consumer Finance while TOST is classified in Financial Services.
| Profile Item | ALLY | TOST |
|---|---|---|
| Name | Ally Financial Inc. | Toast, 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 | Transaction & Payment Processing Services |
| Market Capitalization | 11.45 billion USD | 20.14 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | January 28, 2014 | September 22, 2021 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | ALLY | TOST |
|---|---|---|
| Total Return (1Y) | 1.76% | -5.92% |
| Total Return (3Y, Annualized) | 18.37% | 35.73% |
| Total Return (5Y, Annualized) | -1.28% | -10.54% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | ALLY | TOST |
|---|---|---|
| Volatility (1Y, Annualized) | 28.62% | 45.32% |
| Beta (5Y) | 1.15 | 1.66 |
| Max Drawdown (5Y) | -55.89% | -79.13% |
| Avg. Volume (3M) | 3.74M | 8.73M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | ALLY | TOST |
|---|---|---|
| Sharpe Ratio (1Y) | -0.09 | -0.23 |
| Sortino Ratio (1Y) | -0.13 | -0.31 |
Profitability
ROE (TTM)
Toast (TOST) at 25.58% sits in the top ROE quartile, while Ally Financial (ALLY) at 9.90% is closer to the peer norm — stronger capital efficiency for TOST.
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%
TOST
Financial Services industry group
25.58%
- Max
- 44.78%
- TOST
- 25.58%
- Q3
- 21.85%
- Median
- 12.91%
- Q1
- 4.48%
- Min
- -18.71%
Net Margin (TTM)
Both Ally Financial (ALLY) at 18.62% and Toast (TOST) at 7.69% 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%
TOST
Financial Services industry group
7.69%
- Max
- 62.84%
- Q3
- 28.05%
- Median
- 15.36%
- TOST
- 7.69%
- Q1
- 4.82%
- Min
- -28.52%
Operating Margin (TTM)
Ally Financial (ALLY) at 27.31% runs core operations around its industry’s norm, while Toast (TOST) at 8.63% operates in the bottom quartile.
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%
TOST
Financial Services industry group
8.63%
- Max
- 107.33%
- Q3
- 55.90%
- Median
- 30.09%
- Q1
- 14.60%
- TOST
- 8.63%
- Min
- -44.34%
Profitability Metrics
| Metric | ALLY | TOST |
|---|---|---|
| ROE (TTM) | 9.90% | 25.58% |
| ROA (TTM) | 0.75% | 10.30% |
| Net Margin (TTM) | 18.62% | 7.69% |
| Operating Margin (TTM) | 27.31% | 8.63% |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Toast (TOST) at 24.05% 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
Toast (TOST) at 1,766.67% clears its industry range for EPS growth, a much stronger earnings trajectory than Ally Financial (ALLY) at 31.67%, which is closer to a typical peer reading.
Growth Metrics
| Metric | ALLY | TOST |
|---|---|---|
| Revenue Growth (YoY) | -1.43% | 24.05% |
| Revenue Growth (3Y CAGR) | -1.73% | 31.10% |
| EPS Growth (YoY) | 31.67% | 1,766.67% |
| 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 Toast (TOST) 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 Toast (TOST) 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 | TOST |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Toast (TOST) 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%
TOST
Financial Services industry group
0.00%
- Max
- 9.77%
- Q3
- 3.92%
- Median
- 1.09%
- TOST
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Toast (TOST) 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%
TOST
Financial Services industry group
0.00%
- Max
- 241.07%
- Q3
- 97.36%
- Median
- 25.77%
- TOST
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | ALLY | TOST |
|---|---|---|
| Dividend Yield (TTM) | 3.09% | 0.00% |
| Dividend Payout Ratio (TTM) | 27.46% | 0.00% |
Valuation
P/E Ratio (TTM)
Ally Financial (ALLY) at 8.73 sits in the cheaper P/E ratio quartile, while Toast (TOST) at 38.10 sits in the richer quartile — a clear split in what investors pay for each dollar of trailing earnings.
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
TOST
Financial Services industry group
38.10
- Max
- 45.85
- TOST
- 38.10
- Q3
- 24.64
- Median
- 15.37
- Q1
- 9.68
- Min
- 0.16
P/S Ratio (TTM)
On P/S ratio, both Ally Financial (ALLY) at 1.43 and Toast (TOST) at 2.82 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
TOST
Financial Services industry group
2.82
- Max
- 9.23
- Q3
- 4.57
- TOST
- 2.82
- Median
- 2.72
- Q1
- 1.28
- Min
- -0.55
P/B Ratio (MRQ)
Ally Financial (ALLY) at 0.88 sits near its industry’s typical P/B ratio, while Toast (TOST) at 8.79 prices above its benchmark range — TOST looks rich relative to book.
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
TOST
Financial Services industry group
8.79
- TOST
- 8.79
- Max
- 7.79
- Q3
- 3.63
- Median
- 1.57
- Q1
- 0.81
- Min
- -0.39
Valuation Metrics
| Metric | ALLY | TOST |
|---|---|---|
| P/E Ratio (TTM) | 8.73 | 38.10 |
| P/S Ratio (TTM) | 1.43 | 2.82 |
| P/B Ratio (MRQ) | 0.88 | 8.79 |
| Free Cash Flow Yield (TTM) | -- | -- |