ALLY vs. UBS: Ally Financial vs. UBS Stock Comparison

November 11, 2026

How do Ally Financial (ALLY) and UBS (UBS) 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 UBS (UBS) both fall under the Financial Services industry group, but ALLY is classified in Consumer Finance while UBS is classified in Capital Markets.

Company profile comparison for Ally Financial (ALLY) and UBS (UBS)
Profile Item	ALLY	UBS
Name	Ally Financial Inc.	UBS Group AG
Country/Region	United States	Switzerland
GICS Sector	Financials	Financials
GICS Industry Group	Financial Services	Financial Services
GICS Industry	Consumer Finance	Capital Markets
GICS Sub-Industry	Consumer Finance	Diversified Capital Markets
Market Capitalization	11.45 billion USD	144.79 billion USD
Currency	USD	USD
Exchange	NYSE	NYSE
Listing Date	January 28, 2014	May 16, 2000
Security Type	Common Stock	Common Stock

Price Performance

Cumulative Growth

ALLY

UBS

GSPC

Ally Financial (ALLY) vs. UBS (UBS), with S&P 500 (GSPC) for reference: Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

Loading price history…

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

Calendar-Year Returns

Loading price history…

Calendar-year total returns for Ally Financial (ALLY) and UBS (UBS). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Price performance metrics for Ally Financial (ALLY) and UBS (UBS)
Metric	ALLY	UBS
Total Return (1Y)	1.76%	30.78%
Total Return (3Y, Annualized)	18.37%	29.39%
Total Return (5Y, Annualized)	-1.28%	25.00%

Risk Profile

Drawdown History

ALLY

UBS

GSPC

Ally Financial (ALLY) vs. UBS (UBS), with S&P 500 (GSPC) for reference: Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

Loading price history…

Distribution of monthly total returns for Ally Financial (ALLY) and UBS (UBS). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for Ally Financial (ALLY) and UBS (UBS)
Metric	ALLY	UBS
Volatility (1Y, Annualized)	28.62%	27.78%
Beta (5Y)	1.15	1.15
Max Drawdown (5Y)	-55.89%	-32.48%
Avg. Volume (3M)	3.74M	1.93M

Risk-Adjusted Performance

Risk-Return Positioning

ALLY and UBS are plotted by 1-year volatility (risk) and 1-year return. The dashed Capital Allocation Line runs from the risk-free rate through the shared industry median.

Risk-Adjusted Metrics

Risk-adjusted metrics for Ally Financial (ALLY) and UBS (UBS)
Metric	ALLY	UBS
Sharpe Ratio (1Y)	-0.09	0.95
Sortino Ratio (1Y)	-0.13	1.44

Profitability

ROE (TTM)

Capital efficiency shows on one side only: Ally Financial (ALLY) earns 9.90% on shareholders’ equity, ranked against its industry; UBS (UBS) has no ROE this period.

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%

UBS

Financial Services industry group

Max: 44.78%
Q3: 21.85%
Median: 12.91%
Q1: 4.48%
Min: -18.71%
UBS: --

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

Net Margin (TTM)

Both Ally Financial (ALLY) at 18.62% and UBS (UBS) at 18.18% 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%

UBS

Financial Services industry group

18.18%

Max: 62.84%
Q3: 28.05%
UBS: 18.18%
Median: 15.36%
Q1: 4.82%
Min: -28.52%

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

Operating Margin (TTM)

Both Ally Financial (ALLY) at 27.31% and UBS (UBS) at 27.10% 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%

UBS

Financial Services industry group

27.10%

Max: 107.33%
Q3: 55.90%
Median: 30.09%
UBS: 27.10%
Q1: 14.60%
Min: -44.34%

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

Profitability Metrics

Profitability metrics for Ally Financial (ALLY) and UBS (UBS)
Metric	ALLY	UBS
ROE (TTM)	9.90%	--
ROA (TTM)	0.75%	--
Net Margin (TTM)	18.62%	18.18%
Operating Margin (TTM)	27.31%	27.10%
Gross Margin (TTM)	--	--

Growth

Revenue Growth

UBS (UBS) at 4.30% 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.

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

EPS Growth

UBS (UBS) at 55.26% sits in the top EPS growth quartile, while Ally Financial (ALLY) at 31.67% is closer to the peer norm — faster per-share earnings growth for UBS.

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

Growth Metrics

Growth metrics for Ally Financial (ALLY) and UBS (UBS)
Metric	ALLY	UBS
Revenue Growth (YoY)	-1.43%	4.30%
Revenue Growth (3Y CAGR)	-1.73%	12.44%
EPS Growth (YoY)	31.67%	55.26%
EPS Growth (3Y CAGR)	-22.19%	1.60%

Financial Strength

Current Ratio (MRQ)

current ratio doesn’t apply on either side: Ally Financial (ALLY) in Financial Services and UBS (UBS) 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 UBS (UBS) 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

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

Dividends

Dividend Yield (TTM)

UBS (UBS) 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%

UBS

Financial Services industry group

0.00%

Max: 9.77%
Q3: 3.92%
Median: 1.09%
UBS: 0.00%
Q1: 0.00%
Min: 0.00%

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

Dividend Payout Ratio (TTM)

Both Ally Financial (ALLY) at 27.46% and UBS (UBS) at 36.30% 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%

UBS

Financial Services industry group

36.30%

Max: 241.07%
Q3: 97.36%
UBS: 36.30%
Median: 25.77%
Q1: 0.00%
Min: 0.00%

Ally Financial (ALLY) vs. UBS (UBS): A comparison of their payout ratio against the Financial Services industry group benchmark.

Dividend Metrics

Dividend metrics for Ally Financial (ALLY) and UBS (UBS)
Metric	ALLY	UBS
Dividend Yield (TTM)	3.09%	0.00%
Dividend Payout Ratio (TTM)	27.46%	36.30%

Valuation

P/E Ratio (TTM)

Ally Financial (ALLY) at 8.73 sits in the cheaper P/E ratio quartile, while UBS (UBS) at 15.77 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

UBS

Financial Services industry group

15.77

Max: 45.85
Q3: 24.64
UBS: 15.77
Median: 15.37
Q1: 9.68
Min: 0.16

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

P/S Ratio (TTM)

On P/S ratio, both Ally Financial (ALLY) at 1.43 and UBS (UBS) at 2.71 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

UBS

Financial Services industry group

2.71

Max: 9.23
Q3: 4.57
Median: 2.72
UBS: 2.71
Q1: 1.28
Min: -0.55

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

P/B Ratio (MRQ)

On P/B ratio, both Ally Financial (ALLY) at 0.88 and UBS (UBS) at 1.64 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

UBS

Financial Services industry group

1.64

Max: 7.79
Q3: 3.63
UBS: 1.64
Median: 1.57
Q1: 0.81
Min: -0.39

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

Valuation Metrics

Valuation metrics for Ally Financial (ALLY) and UBS (UBS)
Metric	ALLY	UBS
P/E Ratio (TTM)	8.73	15.77
P/S Ratio (TTM)	1.43	2.71
P/B Ratio (MRQ)	0.88	1.64
Free Cash Flow Yield (TTM)	--	--