Ally Financial (ALLY) vs Cullen/Frost Bankers (CFR)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 7, 2026.
Summary
Cullen/Frost Bankers (CFR) has outperformed Ally Financial (ALLY) over the past year, gaining 18.0% versus a loss of 6.4%. Over five years, CFR leads with a +21.6% price change compared with -31.9% for ALLY. Ally Financial is the larger company by market cap ($11.37 billion vs $9.35 billion), about 1.2 times the size, while Cullen/Frost Bankers is growing revenue faster (+8.3% vs -3.3%).
On valuation, Ally Financial trades at a lower forward P/E (6.0x vs 12.6x for Cullen/Frost Bankers). Ally Financial offers the higher dividend yield (3.21% vs 2.68%). Cullen/Frost Bankers converts more of its revenue into profit, with a net margin of 29.0% 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 | ALLY | CFR |
|---|---|---|
| Share price | $37.37 | $150.37 |
| Market cap | $11.37B | $9.35B |
| 1-day change | -0.66% | -1.69% |
| YTD return | -17.49% | +18.75% |
| 1-year return | -6.39% | +18.00% |
| 5-year return | -31.93% | +21.60% |
| P/E ratio (TTM) | 8.79 | 14.21 |
| Forward P/E | 6.02 | 12.61 |
| EPS (TTM) | $4.25 | $10.58 |
| Dividend yield | 3.21% | 2.68% |
| Annual dividend | $1.20 | $4.03 |
| Revenue (latest FY) | $7.91B | $2.24B |
| Revenue growth (YoY) | -3.26% | +8.31% |
| Net income (latest FY) | $852.00M | $648.56M |
| Net margin | 10.77% | 29.02% |
| 52-week high | $47.29 | $170.80 |
| 52-week low | $35.92 | $119.00 |
| Distance from 52-week high | -20.98% | -11.96% |
| Analyst consensus | buy | hold |
| Avg. price target upside | +34.55% | +15.29% |
| Average volume | 3.32M | 540.54K |
| Shares outstanding | 304.20M | 62.15M |
| Employees | 10,300 | 6,008 |
| Sector | Finance | Finance |
| Industry | Major Banks | 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
- CFR has outperformed ALLY by 24.4 percentage points over the past year.
- Cullen/Frost Bankers trades at a higher earnings multiple (14.2x vs 8.8x trailing P/E).
- Cullen/Frost Bankers is more profitable, keeping 29.0 cents of every revenue dollar as net income versus 10.8 cents for Ally Financial.
- Cullen/Frost Bankers grew revenue faster in its latest fiscal year (+8.31% vs -3.26%).
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
About Cullen/Frost Bankers
CFR stock →Cullen/Frost Bankers, Inc. operates as the bank holding company for Frost Bank that provides commercial and consumer banking services in Texas.
Finance · Major Banks · 6,008 employees
ALLY vs CFR FAQ
Which is bigger, Ally Financial or Cullen/Frost Bankers?
Ally Financial (ALLY) is larger, with a market capitalization of $11.37B compared with $9.35B for Cullen/Frost Bankers (CFR).
Which stock has performed better over the past year, ALLY or CFR?
CFR returned +18.00% 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, ALLY or CFR?
ALLY has the lower trailing P/E at 8.8, versus 14.2 for CFR. 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, Ally Financial or Cullen/Frost Bankers?
Ally Financial has the higher yield at 3.21%, compared with 2.68% for Cullen/Frost Bankers.
Are Ally Financial and Cullen/Frost Bankers in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.