Ally Financial
ALLY · Consumer Finance
$39.06
0.6%SLM
SLM · Consumer Finance
$19.42
10.8%The short version
- Ally Financial is the larger business, with $7.9B of revenue in fiscal 2025 against $2.0B for SLM, about 4.0 times as much.
- SLM grew revenue faster (7.3%, against −3.3%).
- Investors pay more for each dollar of Ally Financial’s earnings: a P/E of 9.2x against 7.1x for SLM.
| Latest fiscal year | ALLY · FY25 | SLM · FY25 |
|---|---|---|
| Size | ||
| Market cap | $12.2B | $4.1B |
| Revenue | $7.9B | $2.0B |
| Free cash flow | — | — |
| Net income | $852M | $745M |
| Growth | ||
| Revenue growth | −3.3% | 7.3% |
| 5-year growth | 3.4% | 1.8% |
| Share count change | 0.9% | −4.1% |
| Profitability | ||
| Gross margin | — | — |
| Operating margin | — | — |
| Net margin | 10.8% | 37.5% |
| FCF margin | — | — |
| Return on capital | — | — |
| Return on equity | 5.8% | 32.3% |
| Balance sheet | ||
| Net debt | — | — |
| Net debt / EBITDA | — | — |
| Dividends and buybacks | $438M | $476M |
| Valuation & quality | ||
| P/E | 9.2x | 7.1x |
| Piotroski F-score | — | — |
FY16
ALLY $5.4B
SLM $960M
FY17
ALLY $5.8B
SLM $1.1B
FY18
ALLY $5.8B
SLM $1.4B
FY19
ALLY $6.4B
SLM $1.7B
FY20
ALLY $6.7B
SLM $1.8B
FY21
ALLY $8.2B
SLM $2.0B
FY22
ALLY $8.4B
SLM $1.8B
FY23
ALLY $8.2B
SLM $1.8B
FY24
ALLY $8.2B
SLM $1.8B
FY25
ALLY $7.9B
SLM $2.0B
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