Affirm (AFRM) vs Ally Financial (ALLY)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 7, 2026.
Summary
Affirm (AFRM) has outperformed Ally Financial (ALLY) over the past year, losing 1.7% versus a loss of 6.4%. Over five years, ALLY leads with a -31.9% price change compared with -48.7% for AFRM. Affirm is the larger company by market cap ($25.41 billion vs $11.37 billion), about 2.2 times the size.
On valuation, Ally Financial trades at a lower forward P/E (6.0x vs 15.6x for Affirm). Ally Financial pays a dividend yielding 3.21%, while Affirm does not currently pay one. Affirm converts more of its revenue into profit, with a net margin of 45.3% versus 10.8%.
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | AFRM | ALLY |
|---|---|---|
| Share price | $75.31 | $37.37 |
| Market cap | $25.41B | $11.37B |
| 1-day change | +0.57% | -0.66% |
| YTD return | +1.18% | -17.49% |
| 1-year return | -1.75% | -6.39% |
| 5-year return | -48.67% | -31.93% |
| P/E ratio (TTM) | 13.62 | 8.79 |
| Forward P/E | 15.60 | 6.02 |
| EPS (TTM) | $5.53 | $4.25 |
| Dividend yield | 0.00% | 3.21% |
| Annual dividend | $0.00 | $1.20 |
| Revenue (latest FY) | $4.26B | $7.91B |
| Revenue growth (YoY) | +32.15% | -3.26% |
| Net income (latest FY) | $1.93B | $852.00M |
| Operating margin | 9.79% | — |
| Net margin | 45.29% | 10.77% |
| 52-week high | $90.44 | $47.29 |
| 52-week low | $42.10 | $35.92 |
| Distance from 52-week high | -16.73% | -20.98% |
| Analyst consensus | buy | buy |
| Avg. price target upside | +31.01% | +34.55% |
| Average volume | 4.22M | 3.32M |
| Shares outstanding | 296.88M | 304.20M |
| Employees | 2,358 | 10,300 |
| Sector | Finance | Finance |
| Industry | Finance: Consumer Services | Major Banks |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- Affirm is about 2.2 times larger than Ally Financial by market value ($25.41B vs $11.37B).
- Affirm trades at a higher earnings multiple (13.6x vs 8.8x trailing P/E).
- Ally Financial offers a meaningfully higher dividend yield (3.21% vs 0.00%).
- Affirm is more profitable, keeping 45.3 cents of every revenue dollar as net income versus 10.8 cents for Ally Financial.
- Affirm grew revenue faster in its latest fiscal year (+32.15% vs -3.26%).
About Affirm
AFRM stock →Affirm Holdings, Inc. operates payment network in the United States, Canada, and internationally.
Finance · Finance: Consumer Services · 2,358 employees
About Ally Financial
ALLY stock →Ally Financial Inc., a digital financial-services company, provides various digital financial products and services in the United States and Canada. The company operates through Automotive Finance operations, Insurance operations, and Corporate Finance operations.
Finance · Major Banks · 10,300 employees
AFRM vs ALLY FAQ
Which is bigger, Affirm or Ally Financial?
Affirm (AFRM) is larger, with a market capitalization of $25.41B compared with $11.37B for Ally Financial (ALLY).
Which stock has performed better over the past year, AFRM or ALLY?
AFRM returned -1.75% over the past 12 months, compared with -6.39% for ALLY (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, AFRM or ALLY?
ALLY has the lower trailing P/E at 8.8, versus 13.6 for AFRM. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, Affirm or Ally Financial?
Ally Financial pays a dividend yielding 3.21%, while Affirm does not currently pay a regular dividend.
Are Affirm and Ally Financial in the same industry?
Both are in the Finance sector, but in different industries: Finance: Consumer Services for Affirm and Major Banks for Ally Financial.