Ally Financial vs Capital One
Add, change or remove companies; up to four.
The short version
- Capital One is the larger business, with $53.4B of revenue in fiscal 2025 against $7.9B for Ally Financial, about 6.8 times as much.
- Capital One grew revenue faster (36.6%, against β3.3%).
- Investors pay more for each dollar of Capital Oneβs earnings: a P/E of 12.1x against 9.2x for Ally Financial.
| Latest fiscal year | ALLY Β· FY25 | COF Β· FY25 |
|---|---|---|
| Size | ||
| Market cap | $12.2B | $109.0B |
| Revenue | $7.9B | $53.4B |
| Free cash flow | β | β |
| Net income | $852M | $2.5B |
| Growth | ||
| Revenue growth | β3.3% | 36.6% |
| 5-year growth | 3.4% | 13.4% |
| Share count change | 0.9% | 41.1% |
| Profitability | ||
| Gross margin | β | β |
| Operating margin | β | β |
| Net margin | 10.8% | 4.6% |
| FCF margin | β | β |
| Return on capital | β | β |
| Return on equity | 5.8% | 2.8% |
| Balance sheet | ||
| Net debt | β | β |
| Net debt / EBITDA | β | β |
| Dividends and buybacks | $438M | $5.6B |
| Valuation & quality | ||
| P/E | 9.2x | 12.1x |
| Piotroski F-score | β | β |
Revenue
FY16
ALLY $5.4B
COF $25.5B
FY17
ALLY $5.8B
COF $27.2B
FY18
ALLY $5.8B
COF $28.1B
FY19
ALLY $6.4B
COF $28.6B
FY20
ALLY $6.7B
COF $28.5B
FY21
ALLY $8.2B
COF $30.4B
FY22
ALLY $8.4B
COF $34.3B
FY23
ALLY $8.2B
COF $36.8B
FY24
ALLY $8.2B
COF $39.1B
FY25
ALLY $7.9B
COF $53.4B
ALLY
COF
Operating margin
FY16
ALLY β
COF β
FY17
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COF β
FY18
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COF β
FY19
ALLY β
COF β
FY20
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COF β
FY21
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COF β
FY22
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COF β
FY23
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COF β
FY24
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FY25
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COF β
ALLY
COF
Free cash flow
FY16
ALLY β
COF β
FY17
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COF β
FY18
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COF β
FY19
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COF β
FY20
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COF β
FY21
ALLY β
COF β
FY22
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COF β
FY23
ALLY β
COF β
FY24
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FY25
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COF
Return on capital
FY16
ALLY β
COF β
FY17
ALLY β
COF β
FY18
ALLY β
COF β
FY19
ALLY β
COF β
FY20
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COF β
FY21
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COF β
FY22
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COF β
FY23
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COF β
FY24
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COF β
FY25
ALLY β
COF β
ALLY
COF
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.