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

Updated on August 29, 2025

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

Company Profile

Symbol	ALLY	UPST
Company Name	Ally Financial Inc.	Upstart Holdings, Inc.
Country	United States	United States
GICS Sector	Financials	Financials
GICS Industry	Consumer Finance	Consumer Finance
Market Capitalization	12.64 billion USD	6.70 billion USD
Exchange	NYSE	NasdaqGS
Listing Date	January 28, 2014	December 16, 2020
Security Type	Common Stock	Common Stock

Historical Performance

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

Historical Performance at a Glance

Symbol	ALLY	UPST
5-Day Price Return	6.79%	9.57%
13-Week Price Return	18.06%	46.03%
26-Week Price Return	9.52%	-3.02%
52-Week Price Return	-4.24%	61.30%
Month-to-Date Return	8.48%	-14.85%
Year-to-Date Return	14.02%	13.04%
10-Day Avg. Volume	2.55M	5.82M
3-Month Avg. Volume	3.49M	6.55M
3-Month Volatility	25.31%	71.25%
Beta	1.21	2.43

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.

UPST

-0.97%

Consumer Finance Industry

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

UPST has a negative Return on Equity of -0.97%. This indicates the company is generating a loss for its shareholders, which can be a result of unprofitability or negative shareholder equity and is often a sign of financial distress.

ALLY vs. UPST: A comparison of their Return on Equity (TTM) against the Consumer Finance industry benchmark.

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.

UPST

-0.75%

Consumer Finance Industry

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

UPST has a negative Net Profit Margin of -0.75%, indicating the company is operating at a net loss as its expenses exceeded its revenues.

ALLY vs. UPST: A comparison of their Net Profit Margin (TTM) against the Consumer Finance industry benchmark.

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.

UPST

-1.94%

Consumer Finance Industry

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

UPST has a negative Operating Profit Margin of -1.94%. This signifies the company is unprofitable at the operational level, as its core business expenses exceed its revenue.

ALLY vs. UPST: A comparison of their Operating Profit Margin (TTM) against the Consumer Finance industry benchmark.

Profitability at a Glance

Symbol	ALLY	UPST
Return on Equity (TTM)	2.40%	-0.97%
Return on Assets (TTM)	0.18%	-0.28%
Net Profit Margin (TTM)	13.26%	-0.75%
Operating Profit Margin (TTM)	15.87%	-1.94%
Gross Profit Margin (TTM)	--	80.43%

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.

UPST

1.48

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.

ALLY vs. UPST: A comparison of their Current Ratio (MRQ) against the Consumer Finance industry benchmark.

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.

UPST

1.98

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.

ALLY vs. UPST: A comparison of their Debt-to-Equity Ratio (MRQ) against the Consumer Finance industry benchmark.

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.

UPST

-15.69

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.

ALLY vs. UPST: A comparison of their Interest Coverage Ratio (TTM) against the Consumer Finance industry benchmark.

Financial Strength at a Glance

Symbol	ALLY	UPST
Current Ratio (MRQ)	--	1.48
Quick Ratio (MRQ)	--	1.48
Debt-to-Equity Ratio (MRQ)	1.36	1.98
Interest Coverage Ratio (TTM)	--	-15.69

Growth

Revenue Growth

ALLY vs. UPST: 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. UPST: 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.

UPST

0.00%

Consumer Finance Industry

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

UPST currently does not pay a dividend, resulting in a yield of 0%. This is a common strategy for growth-focused companies that prioritize reinvesting earnings, though it may be less typical in mature, income-oriented sectors.

ALLY vs. UPST: A comparison of their Dividend Yield (TTM) against the Consumer Finance industry benchmark.

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.

UPST

0.00%

Consumer Finance Industry

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

UPST has a Dividend Payout Ratio of 0%, indicating it does not currently pay a dividend. This is a common strategy for growth-oriented companies that reinvest all profits back into the business.

ALLY vs. UPST: A comparison of their Dividend Payout Ratio (TTM) against the Consumer Finance industry benchmark.

Dividend at a Glance

Symbol	ALLY	UPST
Dividend Yield (TTM)	4.13%	0.00%
Dividend Payout Ratio (TTM)	33.71%	0.00%

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.

UPST

Consumer Finance Industry

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

P/E Ratio data for UPST is currently unavailable.

ALLY vs. UPST: A comparison of their Price-to-Earnings Ratio (TTM) against the Consumer Finance industry benchmark.

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.

UPST

7.24

Consumer Finance Industry

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

With a P/S Ratio of 7.24, UPST trades at a valuation that eclipses even the highest in the Consumer Finance industry. This implies the market has priced in exceptionally optimistic scenarios for future revenue growth, posing considerable valuation risk.

ALLY vs. UPST: A comparison of their Price-to-Sales Ratio (TTM) against the Consumer Finance industry benchmark.

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.

UPST

8.52

Consumer Finance Industry

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

At 8.52, UPST’s P/B Ratio is at an extreme premium to the Consumer Finance industry. This signifies that the market’s valuation is heavily reliant on future potential rather than its current net asset value, which can be a high-risk proposition.

ALLY vs. UPST: A comparison of their Price-to-Book Ratio (MRQ) against the Consumer Finance industry benchmark.

Valuation at a Glance

Symbol	ALLY	UPST
Price-to-Earnings Ratio (TTM)	34.24	--
Price-to-Sales Ratio (TTM)	0.89	7.24
Price-to-Book Ratio (MRQ)	0.82	8.52
Price-to-Free Cash Flow Ratio (TTM)	13.79	21.22