ALLY vs. V: Ally Financial vs. Visa Stock Comparison

November 11, 2026

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

Company profile comparison for Ally Financial (ALLY) and Visa (V)
Profile Item	ALLY	V
Name	Ally Financial Inc.	Visa Inc. Class A
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	788.58 billion USD
Currency	USD	USD
Exchange	NYSE	NYSE
Listing Date	January 28, 2014	March 19, 2008
Security Type	Common Stock	Common Stock

Price Performance

Cumulative Growth

ALLY

GSPC

Ally Financial (ALLY) vs. Visa (V), 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

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

Calendar-Year Returns

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

Performance Metrics

Price performance metrics for Ally Financial (ALLY) and Visa (V)
Metric	ALLY	V
Total Return (1Y)	1.76%	27.50%
Total Return (3Y, Annualized)	18.37%	21.55%
Total Return (5Y, Annualized)	-1.28%	15.65%

Risk Profile

Drawdown History

ALLY

GSPC

Ally Financial (ALLY) vs. Visa (V), 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

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

Risk Metrics

Risk profile metrics for Ally Financial (ALLY) and Visa (V)
Metric	ALLY	V
Volatility (1Y, Annualized)	28.62%	22.99%
Beta (5Y)	1.15	0.78
Max Drawdown (5Y)	-55.89%	-24.14%
Avg. Volume (3M)	3.74M	6.56M

Risk-Adjusted Performance

Risk-Return Positioning

ALLY and V 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 Visa (V)
Metric	ALLY	V
Sharpe Ratio (1Y)	-0.09	1.01
Sortino Ratio (1Y)	-0.13	1.64

Profitability

ROE (TTM)

Visa (V) at 63.51% clears its industry range for ROE, a sharper capital-efficiency signal than Ally Financial (ALLY) at 9.90%, which is closer to a typical peer reading.

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%

V

Financial Services industry group

63.51%

V: 63.51%
Max: 44.78%
Q3: 21.85%
Median: 12.91%
Q1: 4.48%
Min: -18.71%

Ally Financial (ALLY) vs. Visa (V): A comparison of their ROE against the Financial Services industry group benchmark.

Net Margin (TTM)

Visa (V) at 51.20% retains a top-quartile share of revenue as profit, ahead of Ally Financial (ALLY) at 18.62%, which keeps about the industry-typical share.

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%

V

Financial Services industry group

51.20%

Max: 62.84%
V: 51.20%
Q3: 28.05%
Median: 15.36%
Q1: 4.82%
Min: -28.52%

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

Operating Margin (TTM)

Visa (V) at 63.73% operates in the top operating margin quartile, ahead of Ally Financial (ALLY) at 27.31%, which runs around its industry’s norm.

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%

V

Financial Services industry group

63.73%

Max: 107.33%
V: 63.73%
Q3: 55.90%
Median: 30.09%
Q1: 14.60%
Min: -44.34%

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

Profitability Metrics

Profitability metrics for Ally Financial (ALLY) and Visa (V)
Metric	ALLY	V
ROE (TTM)	9.90%	63.51%
ROA (TTM)	0.75%	19.61%
Net Margin (TTM)	18.62%	51.20%
Operating Margin (TTM)	27.31%	63.73%
Gross Margin (TTM)	--	--

Growth

Revenue Growth

Visa (V) at 14.76% 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. Visa (V): A comparison of their Revenue Growth across different time periods.

EPS Growth

Both Ally Financial (ALLY) at 31.67% and Visa (V) at 20.78% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.

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

Growth Metrics

Growth metrics for Ally Financial (ALLY) and Visa (V)
Metric	ALLY	V
Revenue Growth (YoY)	-1.43%	14.76%
Revenue Growth (3Y CAGR)	-1.73%	12.02%
EPS Growth (YoY)	31.67%	20.78%
EPS Growth (3Y CAGR)	-22.19%	14.16%

Financial Strength

Current Ratio (MRQ)

current ratio doesn’t apply on either side: Ally Financial (ALLY) in Financial Services and Visa (V) 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 Visa (V) 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 Visa (V)
Metric	ALLY	V
Current Ratio (MRQ)	--	--
Debt / Equity (MRQ)	--	--
Net Debt / EBITDA	--	--

Dividends

Dividend Yield (TTM)

Both Ally Financial (ALLY) at 3.09% and Visa (V) at 0.66% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.

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%

V

Financial Services industry group

0.66%

Max: 9.77%
Q3: 3.92%
Median: 1.09%
V: 0.66%
Q1: 0.00%
Min: 0.00%

Ally Financial (ALLY) vs. Visa (V): 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 Visa (V) at 21.75% 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%

V

Financial Services industry group

21.75%

Max: 241.07%
Q3: 97.36%
Median: 25.77%
V: 21.75%
Q1: 0.00%
Min: 0.00%

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

Dividend Metrics

Dividend metrics for Ally Financial (ALLY) and Visa (V)
Metric	ALLY	V
Dividend Yield (TTM)	3.09%	0.66%
Dividend Payout Ratio (TTM)	27.46%	21.75%

Valuation

P/E Ratio (TTM)

Ally Financial (ALLY) at 8.73 sits in the cheaper P/E ratio quartile, while Visa (V) at 34.31 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

V

Financial Services industry group

34.31

Max: 45.85
V: 34.31
Q3: 24.64
Median: 15.37
Q1: 9.68
Min: 0.16

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

P/S Ratio (TTM)

Ally Financial (ALLY) at 1.43 prices around its industry’s typical P/S ratio, while Visa (V) at 17.18 clears its benchmark range — V looks notably rich on sales.

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

V

Financial Services industry group

17.18

V: 17.18
Max: 9.23
Q3: 4.57
Median: 2.72
Q1: 1.28
Min: -0.55

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

P/B Ratio (MRQ)

Ally Financial (ALLY) at 0.88 sits near its industry’s typical P/B ratio, while Visa (V) at 22.05 prices above its benchmark range — V 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

V

Financial Services industry group

22.05

V: 22.05
Max: 7.79
Q3: 3.63
Median: 1.57
Q1: 0.81
Min: -0.39

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

Valuation Metrics

Valuation metrics for Ally Financial (ALLY) and Visa (V)
Metric	ALLY	V
P/E Ratio (TTM)	8.73	34.31
P/S Ratio (TTM)	1.43	17.18
P/B Ratio (MRQ)	0.88	22.05
Free Cash Flow Yield (TTM)	--	--