ALLY vs. XYZ: Ally Financial vs. Block Stock Comparison
How do Ally Financial (ALLY) and Block (XYZ) 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 Block (XYZ) both fall under the Financial Services industry group, but ALLY is classified in Consumer Finance while XYZ is classified in Financial Services.
| Profile Item | ALLY | XYZ |
|---|---|---|
| Name | Ally Financial Inc. | Block 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 | 51.67 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | January 28, 2014 | November 19, 2015 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | ALLY | XYZ |
|---|---|---|
| Total Return (1Y) | 1.76% | 35.34% |
| Total Return (3Y, Annualized) | 18.37% | 20.17% |
| Total Return (5Y, Annualized) | -1.28% | -17.43% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
Block (XYZ) carries a highly aggressive beta of 2.48, 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 | XYZ |
|---|---|---|
| Volatility (1Y, Annualized) | 28.62% | 48.01% |
| Beta (5Y) | 1.15 | 2.48 |
| Max Drawdown (5Y) | -55.89% | -83.55% |
| Avg. Volume (3M) | 3.74M | 4.73M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | ALLY | XYZ |
|---|---|---|
| Sharpe Ratio (1Y) | -0.09 | 0.65 |
| Sortino Ratio (1Y) | -0.13 | 1.03 |
Profitability
ROE (TTM)
Ally Financial (ALLY) at 9.90% is around its peer norm for ROE, while Block (XYZ) at 2.02% drops into the bottom quartile, signaling weaker returns on shareholders’ equity.
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%
XYZ
Financial Services industry group
2.02%
- Max
- 44.78%
- Q3
- 21.85%
- Median
- 12.91%
- Q1
- 4.48%
- XYZ
- 2.02%
- Min
- -18.71%
Net Margin (TTM)
Ally Financial (ALLY) at 18.62% keeps about the industry-typical share of revenue as profit, while Block (XYZ) at 1.80% retains only a bottom-quartile 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%
XYZ
Financial Services industry group
1.80%
- Max
- 62.84%
- Q3
- 28.05%
- Median
- 15.36%
- Q1
- 4.82%
- XYZ
- 1.80%
- Min
- -28.52%
Operating Margin (TTM)
Ally Financial (ALLY) at 27.31% runs core operations around its industry’s norm, while Block (XYZ) at 6.65% 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%
XYZ
Financial Services industry group
6.65%
- Max
- 107.33%
- Q3
- 55.90%
- Median
- 30.09%
- Q1
- 14.60%
- XYZ
- 6.65%
- Min
- -44.34%
Profitability Metrics
| Metric | ALLY | XYZ |
|---|---|---|
| ROE (TTM) | 9.90% | 2.02% |
| ROA (TTM) | 0.75% | 1.94% |
| Net Margin (TTM) | 18.62% | 1.80% |
| Operating Margin (TTM) | 27.31% | 6.65% |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Both Ally Financial (ALLY) at -1.43% and Block (XYZ) at 0.30% post bottom-quartile revenue growth versus peers, pointing to weaker demand or pricing momentum than typical rivals.
EPS Growth
Ally Financial (ALLY) at 31.67% is around its peer norm for EPS growth, while Block (XYZ) at -53.95% drops into the bottom quartile, signaling weaker earnings momentum.
Growth Metrics
| Metric | ALLY | XYZ |
|---|---|---|
| Revenue Growth (YoY) | -1.43% | 0.30% |
| Revenue Growth (3Y CAGR) | -1.73% | 11.33% |
| EPS Growth (YoY) | 31.67% | -53.95% |
| 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 Block (XYZ) 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 Block (XYZ) 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 | XYZ |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Block (XYZ) 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%
XYZ
Financial Services industry group
0.00%
- Max
- 9.77%
- Q3
- 3.92%
- Median
- 1.09%
- XYZ
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Block (XYZ) 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%
XYZ
Financial Services industry group
0.00%
- Max
- 241.07%
- Q3
- 97.36%
- Median
- 25.77%
- XYZ
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | ALLY | XYZ |
|---|---|---|
| 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 Block (XYZ) at 112.47 trades above its peer range — a wide earnings-valuation gap relative to industry peers.
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
XYZ
Financial Services industry group
112.47
- XYZ
- 112.47
- Max
- 45.85
- 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 Block (XYZ) at 2.01 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
XYZ
Financial Services industry group
2.01
- Max
- 9.23
- Q3
- 4.57
- Median
- 2.72
- XYZ
- 2.01
- Q1
- 1.28
- Min
- -0.55
P/B Ratio (MRQ)
On P/B ratio, both Ally Financial (ALLY) at 0.88 and Block (XYZ) at 2.26 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
XYZ
Financial Services industry group
2.26
- Max
- 7.79
- Q3
- 3.63
- XYZ
- 2.26
- Median
- 1.57
- Q1
- 0.81
- Min
- -0.39
Valuation Metrics
| Metric | ALLY | XYZ |
|---|---|---|
| P/E Ratio (TTM) | 8.73 | 112.47 |
| P/S Ratio (TTM) | 1.43 | 2.01 |
| P/B Ratio (MRQ) | 0.88 | 2.26 |
| Free Cash Flow Yield (TTM) | -- | -- |