Ally Financial (ALLY) vs SoFi Technologies (SOFI)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 7, 2026.
Summary
Ally Financial (ALLY) has outperformed SoFi Technologies (SOFI) over the past year, losing 6.4% versus a loss of 44.3%. Over five years, SOFI leads with a -19.2% price change compared with -31.9% for ALLY. SoFi Technologies is the larger company by market cap ($20.23 billion vs $11.37 billion), about 1.8 times the size.
On valuation, Ally Financial trades at a lower forward P/E (6.0x vs 19.0x for SoFi Technologies). Ally Financial pays a dividend yielding 3.21%, while SoFi Technologies does not currently pay one. SoFi Technologies converts more of its revenue into profit, with a net margin of 77.7% 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 | SOFI |
|---|---|---|
| Share price | $37.37 | $15.66 |
| Market cap | $11.37B | $20.23B |
| 1-day change | -0.66% | -0.63% |
| YTD return | -17.49% | -40.18% |
| 1-year return | -6.39% | -44.35% |
| 5-year return | -31.93% | -19.20% |
| P/E ratio (TTM) | 8.79 | 31.96 |
| Forward P/E | 6.02 | 19.03 |
| EPS (TTM) | $4.25 | $0.49 |
| Dividend yield | 3.21% | 0.00% |
| Annual dividend | $1.20 | $0.00 |
| Revenue (latest FY) | $7.91B | $619.35M |
| Revenue growth (YoY) | -3.26% | +23.10% |
| Net income (latest FY) | $852.00M | $481.32M |
| Gross margin | — | 1.67% |
| Net margin | 10.77% | 77.71% |
| 52-week high | $47.29 | $32.73 |
| 52-week low | $35.92 | $14.88 |
| Distance from 52-week high | -20.98% | -52.15% |
| Analyst consensus | buy | hold |
| Avg. price target upside | +34.55% | +29.82% |
| Average volume | 3.32M | 57.13M |
| Shares outstanding | 304.20M | 1.29B |
| Employees | 10,300 | 6,100 |
| Sector | Finance | Finance |
| Industry | Major Banks | Finance: Consumer Services |
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
- ALLY has outperformed SOFI by 38.0 percentage points over the past year.
- SoFi Technologies trades at a higher earnings multiple (32.0x vs 8.8x trailing P/E).
- Ally Financial offers a meaningfully higher dividend yield (3.21% vs 0.00%).
- SoFi Technologies is more profitable, keeping 77.7 cents of every revenue dollar as net income versus 10.8 cents for Ally Financial.
- SoFi Technologies grew revenue faster in its latest fiscal year (+23.10% 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 SoFi Technologies
SOFI stock →SoFi Technologies, Inc. provides various financial services in the United States, Latin America, Canada, and Hong Kong.
Finance · Finance: Consumer Services · 6,100 employees
ALLY vs SOFI FAQ
Which is bigger, Ally Financial or SoFi Technologies?
SoFi Technologies (SOFI) is larger, with a market capitalization of $20.23B compared with $11.37B for Ally Financial (ALLY).
Which stock has performed better over the past year, ALLY or SOFI?
ALLY returned -6.39% over the past 12 months, compared with -44.35% for SOFI (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, ALLY or SOFI?
ALLY has the lower trailing P/E at 8.8, versus 32.0 for SOFI. 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 SoFi Technologies?
Ally Financial pays a dividend yielding 3.21%, while SoFi Technologies does not currently pay a regular dividend.
Are Ally Financial and SoFi Technologies in the same industry?
Both are in the Finance sector, but in different industries: Major Banks for Ally Financial and Finance: Consumer Services for SoFi Technologies.