Ally Financial vs American Express
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KIRAβs take AI analyst
I put Ally Financial and American Express side by side, using each oneβs latest annual report. Here is what stands out:
- American Express is the larger business, with $72.2B of revenue in fiscal 2025 against $7.9B for Ally Financial, about 9.1 times as much.
- American Express grew revenue faster (9.5%, against β3.3%).
- Investors pay more for each dollar of American Expressβs earnings: a P/E of 17.7x against 9.1x for Ally 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
American Express
AXP
5/5
Revenue growth5-year growthNet marginReturn on equityShare count change
Side by side
Best in the row
| Latest fiscal year | ALLY FY25 | AXP FY25 |
|---|---|---|
| Size | ||
| Market cap | $12.1B | $219.3B |
| Revenue | $7.9B | $72.2B |
| Free cash flow | β | β |
| Net income | $852M | $10.8B |
| Growth | ||
| Revenue growth | β3.3% | 9.5% |
| 5-year growth | 3.4% | 14.9% |
| Share count change | 0.9% | β2.4% |
| Profitability | ||
| Gross margin | β | β |
| Operating margin | β | β |
| Net margin | 10.8% | 15.0% |
| FCF margin | β | β |
| Return on capital | β | β |
| Return on equity | 5.8% | 34.0% |
| Balance sheet | ||
| Net debt | β | β |
| Net debt / EBITDA | β | β |
| Dividends and buybacks | $438M | $8.1B |
| Valuation & quality | ||
| P/E | 9.1x | 17.7x |
| Piotroski F-score | β | β |
Ten years
Revenue
FY16
ALLY $5.4B
AXP $35.4B
FY17
ALLY $5.8B
AXP $36.9B
FY18
ALLY $5.8B
AXP $40.3B
FY19
ALLY $6.4B
AXP $43.6B
FY20
ALLY $6.7B
AXP $36.1B
FY21
ALLY $8.2B
AXP $42.4B
FY22
ALLY $8.4B
AXP $52.9B
FY23
ALLY $8.2B
AXP $60.5B
FY24
ALLY $8.2B
AXP $65.9B
FY25
ALLY $7.9B
AXP $72.2B
ALLY
AXP
Operating margin
FY16
ALLY β
AXP β
FY17
ALLY β
AXP β
FY18
ALLY β
AXP β
FY19
ALLY β
AXP β
FY20
ALLY β
AXP β
FY21
ALLY β
AXP β
FY22
ALLY β
AXP β
FY23
ALLY β
AXP β
FY24
ALLY β
AXP β
FY25
ALLY β
AXP β
ALLY
AXP
Free cash flow
FY16
ALLY β
AXP β
FY17
ALLY β
AXP β
FY18
ALLY β
AXP β
FY19
ALLY β
AXP β
FY20
ALLY β
AXP β
FY21
ALLY β
AXP β
FY22
ALLY β
AXP β
FY23
ALLY β
AXP β
FY24
ALLY β
AXP β
FY25
ALLY β
AXP β
ALLY
AXP
Return on capital
FY16
ALLY β
AXP β
FY17
ALLY β
AXP β
FY18
ALLY β
AXP β
FY19
ALLY β
AXP β
FY20
ALLY β
AXP β
FY21
ALLY β
AXP β
FY22
ALLY β
AXP β
FY23
ALLY β
AXP β
FY24
ALLY β
AXP β
FY25
ALLY β
AXP β
ALLY
AXP
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.