ALLY vs AXP Comparison: AI Score, Valuation, Performance and Upside
Compare Ally's digital banking and auto finance focus against American Express's premium charge card and travel ecosystem.
Use this Ally Financial vs American Express comparison to evaluate the key differences across valuation, growth, profitability, and risk before making an investment decision.
ALLY holds the edge across 4 of 5 key metrics in this comparison. ALLY leads on both 1-year return (+5.73%) and forward P/E quality (6.80x vs 16.57x for AXP), a relatively favorable combination of momentum and valuation. On fundamentals, AXP is growing revenue faster (12.80%), while ALLY maintains the higher operating margin (25.27%) — a classic growth-versus-profitability split. Analyst consensus implies meaningfully more upside for ALLY (+22.96%) than for AXP (+12.83%).
Human Wall Street analysts' price targets, typically implying a ~12-month view — a separate signal from this site's own AI Prediction Signal further down the page, which is a 5-/30-day machine-learning forecast based on price history alone.
| Metric | ALLY | AXP |
|---|---|---|
| AI scorei | 39.1 | 53.0 |
| AI ranki | #1246 | #352 |
| Latest closei | $43.73 | $326.16 |
| 1M returni | +0.02% | -4.33% |
| 6M returni | +13.76% | +6.80% |
| 1Y returni | +5.73% | -0.02% |
How much would $10,000 be worth today if invested at the start of each period, with all dividends reinvested?
| Period | ALLY | AXP |
|---|---|---|
| 1Y ago | $10.58K (+5.8%) started 2025-09-08 | $10.02K (+0.2%) started 2025-09-08 |
| 5Y ago | $8.77K (-12.3%) started 2021-09-08 | $22.53K (+125.3%) started 2021-09-09 |
| 10Y ago | $21.99K (+119.9%) started 2016-09-08 | $64.73K (+547.3%) started 2016-09-09 |
Hypothetical — past performance does not guarantee future results.
| Metric | ALLY | AXP |
|---|---|---|
| Market capi | $13.3B | $225.01B |
| Trailing P/Ei | 10.29 | 20.21 |
| Forward P/Ei | 6.80 | 16.57 |
| Price/Salesi | N/A | 3.42 |
| EV/Revenuei | 3.85 | 3.36 |
| Analyst targeti | $53.77 | $375.96 |
| Target upsidei | +22.96% | +12.83% |
| Metric | ALLY | AXP |
|---|---|---|
| Revenue growthi | 11.00% | 12.80% |
| Earnings growthi | 13.50% | 11.00% |
| EPS growthi | +13.50% | +11.00% |
| FCF margini | N/A | N/A |
| Operating margini | 25.27% | 20.32% |
| Profit margini | 18.41% | 16.14% |
| ROIC proxyi | 9.68% | 34.38% |
| Return on equityi | 9.68% | 34.38% |
| Dividend yieldi | 2.74% | 1.14% |
| Betai | 1.07 | 1.05 |
| Debt/equityi | N/A | 172.38 |
| Current ratioi | N/A | 1.55 |
| Quick ratioi | N/A | 1.54 |
Over the past year, ALLY and AXP have moved moderately in the same direction (correlation of 0.70), based on daily returns.
Lower drawdown and smaller single-period drops generally indicate a smoother ride, though they do not guarantee lower future risk.
| Period | Metric | ALLY | AXP |
|---|---|---|---|
| 1Y | Growthi | +5.78% | +0.23% |
| CAGRi | +5.80% | +0.23% | |
| Volatilityi | 29.72% | 26.63% | |
| Sharpe ratioi | 0.19 | -0.03 | |
| Sortino ratioi | 0.27 | -0.04 | |
| Max drawdowni | 23.59% | 24.06% | |
| Current drawdowni | 7.45% | 15.26% | |
| Avg drawdowni | 8.57% | 10.04% | |
| Ulcer Indexi | 9.99% | 12.41% | |
| Max daily dropi | 5.96% | 7.88% | |
| Max wkly dropi | 9.16% | 10.77% | |
| 5Y | Growthi | -12.26% | +114.61% |
| CAGRi | -2.58% | +16.51% | |
| Volatilityi | 38.29% | 29.49% | |
| Sharpe ratioi | 0.00 | 0.52 | |
| Sortino ratioi | 0.01 | 0.75 | |
| Max drawdowni | 60.06% | 31.55% | |
| Current drawdowni | 21.64% | 15.26% | |
| Avg drawdowni | 33.29% | 10.91% | |
| Ulcer Indexi | 35.83% | 13.89% | |
| Max daily dropi | 17.62% | 9.97% | |
| Max wkly dropi | 23.32% | 18.20% | |
| 10Y | Growthi | +119.86% | +467.22% |
| CAGRi | +8.20% | +18.96% | |
| Volatilityi | 39.44% | 31.86% | |
| Sharpe ratioi | 0.28 | 0.56 | |
| Sortino ratioi | 0.41 | 0.85 | |
| Max drawdowni | 66.62% | 49.64% | |
| Current drawdowni | 22.12% | 15.26% | |
| Avg drawdowni | 23.27% | 9.12% | |
| Ulcer Indexi | 28.79% | 13.13% | |
| Max daily dropi | 23.21% | 14.82% | |
| Max wkly dropi | 43.12% | 25.58% |
| Category | ALLY | AXP |
|---|---|---|
| Company | ALLY | AXP |
| Sector | Financial Services | Financial Services |
| Industry | Credit Services | Credit Services |
| Core business | Ally Financial Inc., a digital financial-services company, provides various digital financial products and services in the United States and Canada. | American Express Company, together with its subsidiaries, operates as an integrated payments company in the United States, Europe, the Middle East and Africa, the Asia Pacific, Australia, New Zealand, Latin America, Can… |
Want deeper AI forecasts?
This comparison page is public and free forever. Subscribers can unlock saved watchlists, full AI rankings, detailed forecasts, and interactive analysis tools.
Full valuation workup with AI Score, Monte Carlo forecast, and bull/bear case — free preview, premium data from $3.99.