Ally Financial vs SoFi Technologies
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The short version
- Ally Financial is the larger business, with $7.9B of revenue in fiscal 2025 against $3.6B for SoFi Technologies, about 2.2 times as much.
- SoFi Technologies grew revenue faster (35.1%, against β3.3%).
- Investors pay more for each dollar of SoFi Technologiesβs earnings: a P/E of 29.8x against 9.2x for Ally Financial.
| Latest fiscal year | ALLY Β· FY25 | SOFI Β· FY25 |
|---|---|---|
| Size | ||
| Market cap | $12.2B | $18.3B |
| Revenue | $7.9B | $3.6B |
| Free cash flow | β | β |
| Net income | $852M | $481M |
| Growth | ||
| Revenue growth | β3.3% | 35.1% |
| 5-year growth | 3.4% | 44.9% |
| Share count change | 0.9% | 13.7% |
| Profitability | ||
| Gross margin | β | β |
| Operating margin | β | β |
| Net margin | 10.8% | 13.3% |
| FCF margin | β | β |
| Return on capital | β | β |
| Return on equity | 5.8% | 5.7% |
| Balance sheet | ||
| Net debt | β | β |
| Net debt / EBITDA | β | β |
| Dividends and buybacks | $438M | $0.0M |
| Valuation & quality | ||
| P/E | 9.2x | 29.8x |
| Piotroski F-score | β | β |
Revenue
FY16
ALLY $5.4B
SOFI β
FY17
ALLY $5.8B
SOFI β
FY18
ALLY $5.8B
SOFI β
FY19
ALLY $6.4B
SOFI $443M
FY20
ALLY $6.7B
SOFI $566M
FY21
ALLY $8.2B
SOFI $985M
FY22
ALLY $8.4B
SOFI $1.6B
FY23
ALLY $8.2B
SOFI $2.1B
FY24
ALLY $8.2B
SOFI $2.7B
FY25
ALLY $7.9B
SOFI $3.6B
ALLY
SOFI
Operating margin
FY16
ALLY β
SOFI β
FY17
ALLY β
SOFI β
FY18
ALLY β
SOFI β
FY19
ALLY β
SOFI β
FY20
ALLY β
SOFI β
FY21
ALLY β
SOFI β
FY22
ALLY β
SOFI β
FY23
ALLY β
SOFI β
FY24
ALLY β
SOFI β
FY25
ALLY β
SOFI β
ALLY
SOFI
Free cash flow
FY16
ALLY β
SOFI β
FY17
ALLY β
SOFI β
FY18
ALLY β
SOFI β
FY19
ALLY β
SOFI β
FY20
ALLY β
SOFI β
FY21
ALLY β
SOFI β
FY22
ALLY β
SOFI β
FY23
ALLY β
SOFI β
FY24
ALLY β
SOFI β
FY25
ALLY β
SOFI β
ALLY
SOFI
Return on capital
FY16
ALLY β
SOFI β
FY17
ALLY β
SOFI β
FY18
ALLY β
SOFI β
FY19
ALLY β
SOFI β
FY20
ALLY β
SOFI β
FY21
ALLY β
SOFI β
FY22
ALLY β
SOFI β
FY23
ALLY β
SOFI β
FY24
ALLY β
SOFI β
FY25
ALLY β
SOFI β
ALLY
SOFI
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.