Ally Financial
ALLY · Consumer Finance
$39.06
0.6%Synchrony Financial
SYF · Consumer Finance
$73.64
1.9%The short version
- Synchrony Financial is the larger business, with $19.0B of revenue in fiscal 2025 against $7.9B for Ally Financial, about 2.4 times as much.
- Investors pay more for each dollar of Ally Financial’s earnings: a P/E of 9.2x against 7.7x for Synchrony Financial.
| Latest fiscal year | ALLY · FY25 | SYF · FY25 |
|---|---|---|
| Size | ||
| Market cap | $12.2B | $27.5B |
| Revenue | $7.9B | $19.0B |
| Free cash flow | — | — |
| Net income | $852M | $3.6B |
| Growth | ||
| Revenue growth | −3.3% | −2.8% |
| 5-year growth | 3.4% | 5.1% |
| Share count change | 0.9% | −6.7% |
| Profitability | ||
| Gross margin | — | — |
| Operating margin | — | — |
| Net margin | 10.8% | 18.7% |
| FCF margin | — | — |
| Return on capital | — | — |
| Return on equity | 5.8% | 21.3% |
| Balance sheet | ||
| Net debt | — | — |
| Net debt / EBITDA | — | — |
| Dividends and buybacks | $438M | $3.4B |
| Valuation & quality | ||
| P/E | 9.2x | 7.7x |
| Piotroski F-score | — | — |
FY16
ALLY $5.4B
SYF $13.9B
FY17
ALLY $5.8B
SYF $15.3B
FY18
ALLY $5.8B
SYF $16.4B
FY19
ALLY $6.4B
SYF $17.2B
FY20
ALLY $6.7B
SYF $14.8B
FY21
ALLY $8.2B
SYF $14.7B
FY22
ALLY $8.4B
SYF $16.0B
FY23
ALLY $8.2B
SYF $17.3B
FY24
ALLY $8.2B
SYF $19.5B
FY25
ALLY $7.9B
SYF $19.0B
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Each company's latest fiscal year; fiscal years end in different months. The best value in each row is highlighted where higher (or lower) is clearly better. Not investment advice.