Ally Financial vs SLM
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The short version
- Ally Financial is the larger business, with $7.9B of revenue in fiscal 2025 against $2.0B for SLM, about 4.0 times as much.
- SLM grew revenue faster (7.3%, against β3.3%).
- Investors pay more for each dollar of Ally Financialβs earnings: a P/E of 9.2x against 7.1x for SLM.
| Latest fiscal year | ALLY Β· FY25 | SLM Β· FY25 |
|---|---|---|
| Size | ||
| Market cap | $12.2B | $4.1B |
| Revenue | $7.9B | $2.0B |
| Free cash flow | β | β |
| Net income | $852M | $745M |
| Growth | ||
| Revenue growth | β3.3% | 7.3% |
| 5-year growth | 3.4% | 1.8% |
| Share count change | 0.9% | β4.1% |
| Profitability | ||
| Gross margin | β | β |
| Operating margin | β | β |
| Net margin | 10.8% | 37.5% |
| FCF margin | β | β |
| Return on capital | β | β |
| Return on equity | 5.8% | 32.3% |
| Balance sheet | ||
| Net debt | β | β |
| Net debt / EBITDA | β | β |
| Dividends and buybacks | $438M | $476M |
| Valuation & quality | ||
| P/E | 9.2x | 7.1x |
| Piotroski F-score | β | β |
Revenue
FY16
ALLY $5.4B
SLM $960M
FY17
ALLY $5.8B
SLM $1.1B
FY18
ALLY $5.8B
SLM $1.4B
FY19
ALLY $6.4B
SLM $1.7B
FY20
ALLY $6.7B
SLM $1.8B
FY21
ALLY $8.2B
SLM $2.0B
FY22
ALLY $8.4B
SLM $1.8B
FY23
ALLY $8.2B
SLM $1.8B
FY24
ALLY $8.2B
SLM $1.8B
FY25
ALLY $7.9B
SLM $2.0B
ALLY
SLM
Operating margin
FY16
ALLY β
SLM β
FY17
ALLY β
SLM β
FY18
ALLY β
SLM β
FY19
ALLY β
SLM β
FY20
ALLY β
SLM β
FY21
ALLY β
SLM β
FY22
ALLY β
SLM β
FY23
ALLY β
SLM β
FY24
ALLY β
SLM β
FY25
ALLY β
SLM β
ALLY
SLM
Free cash flow
FY16
ALLY β
SLM β
FY17
ALLY β
SLM β
FY18
ALLY β
SLM β
FY19
ALLY β
SLM β
FY20
ALLY β
SLM β
FY21
ALLY β
SLM β
FY22
ALLY β
SLM β
FY23
ALLY β
SLM β
FY24
ALLY β
SLM β
FY25
ALLY β
SLM β
ALLY
SLM
Return on capital
FY16
ALLY β
SLM β
FY17
ALLY β
SLM β
FY18
ALLY β
SLM β
FY19
ALLY β
SLM β
FY20
ALLY β
SLM β
FY21
ALLY β
SLM β
FY22
ALLY β
SLM β
FY23
ALLY β
SLM β
FY24
ALLY β
SLM β
FY25
ALLY β
SLM β
ALLY
SLM
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.