Ally Financial vs Synchrony Financial
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KIRAβs take AI analyst
I put Ally Financial and Synchrony Financial side by side, using each oneβs latest annual report. Here is what stands out:
- 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 Financialβs earnings: a P/E of 9.1x against 7.8x for Synchrony Financial.
Who comes out ahead
Of the 5 measures where higher (or lower) is clearly better, how many each company leads.
Ally Financial
ALLY
0/5
Synchrony Financial
SYF
5/5
Revenue growth5-year growthNet marginReturn on equityShare count change
Side by side
Best in the row
| Latest fiscal year | ALLY FY25 | SYF FY25 |
|---|---|---|
| Size | ||
| Market cap | $12.1B | $28.0B |
| Revenue | $7.9B | $19.0B |
| Free cash flow | β | β |
| Net income | $852M | $3.6B |
| Growth | ||
| Revenue growth | β3.3% | β2.8% |
| 5-year growth | 3.4% | 5.1% |
| Share count change | 0.9% | β6.7% |
| Profitability | ||
| Gross margin | β | β |
| Operating margin | β | β |
| Net margin | 10.8% | 18.7% |
| FCF margin | β | β |
| Return on capital | β | β |
| Return on equity | 5.8% | 21.3% |
| Balance sheet | ||
| Net debt | β | β |
| Net debt / EBITDA | β | β |
| Dividends and buybacks | $438M | $3.4B |
| Valuation & quality | ||
| P/E | 9.1x | 7.8x |
| Piotroski F-score | β | β |
Ten years
Revenue
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
ALLY
SYF
Operating margin
FY16
ALLY β
SYF β
FY17
ALLY β
SYF β
FY18
ALLY β
SYF β
FY19
ALLY β
SYF β
FY20
ALLY β
SYF β
FY21
ALLY β
SYF β
FY22
ALLY β
SYF β
FY23
ALLY β
SYF β
FY24
ALLY β
SYF β
FY25
ALLY β
SYF β
ALLY
SYF
Free cash flow
FY16
ALLY β
SYF β
FY17
ALLY β
SYF β
FY18
ALLY β
SYF β
FY19
ALLY β
SYF β
FY20
ALLY β
SYF β
FY21
ALLY β
SYF β
FY22
ALLY β
SYF β
FY23
ALLY β
SYF β
FY24
ALLY β
SYF β
FY25
ALLY β
SYF β
ALLY
SYF
Return on capital
FY16
ALLY β
SYF β
FY17
ALLY β
SYF β
FY18
ALLY β
SYF β
FY19
ALLY β
SYF β
FY20
ALLY β
SYF β
FY21
ALLY β
SYF β
FY22
ALLY β
SYF β
FY23
ALLY β
SYF β
FY24
ALLY β
SYF β
FY25
ALLY β
SYF β
ALLY
SYF
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.