COF vs ALLY Comparison: AI Score, Valuation, Performance and Upside
Compare Capital One's card, auto, and banking diversification against Ally's digital-first auto lending focus.
Use this Capital One vs Ally Financial comparison to evaluate the key differences across valuation, growth, profitability, and risk before making an investment decision.
ALLY holds the edge across 3 of 5 key metrics in this comparison. ALLY leads on both 1-year return (-3.79%) and forward P/E quality (6.47x vs 8.98x for COF), a relatively favorable combination of momentum and valuation. COF leads on both revenue growth (1111.00%) and operating margin (33.63%), suggesting a stronger fundamental setup on both dimensions. Analyst consensus implies similar upside for both: +19.75% for COF and +21.48% for ALLY.
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 | COF | ALLY |
|---|---|---|
| AI scorei | 60.4 | 38.8 |
| AI ranki | #136 | #1303 |
| Latest closei | $201.34 | $39.06 |
| 1M returni | +2.67% | +1.24% |
| 3M returni | -0.74% | -8.99% |
| 6M returni | +5.20% | -11.59% |
| 1Y returni | -8.64% | -3.79% |
How much would $10,000 be worth today if invested at the start of each period, with all dividends reinvested?
| Period | COF | ALLY |
|---|---|---|
| 1Y ago | $9.15K (-8.5%) started 2025-10-23 | $9.52K (-4.8%) started 2025-10-23 |
| 5Y ago | $13.66K (+36.6%) started 2021-10-25 | $7.61K (-23.9%) started 2021-10-25 |
| 10Y ago | $36.63K (+266.3%) started 2016-10-24 | $20.04K (+100.4%) started 2016-10-24 |
Hypothetical — past performance does not guarantee future results.
| Metric | COF | ALLY |
|---|---|---|
| Market capi | $132.31B | $11.88B |
| Trailing P/Ei | 11.88 | 8.94 |
| Forward P/Ei | 8.98 | 6.47 |
| Price/Salesi | N/A | N/A |
| EV/Revenuei | 2.82 | 3.87 |
| Analyst targeti | $258.27 | $47.45 |
| Target upsidei | +19.75% | +21.48% |
| Metric | COF | ALLY |
|---|---|---|
| Revenue growthi | 1111.00% | 5.00% |
| Earnings growthi | -3.20% | 10.20% |
| EPS growthi | -3.20% | +10.20% |
| FCF margini | N/A | N/A |
| Operating margini | 33.63% | 27.31% |
| Profit margini | 21.87% | 18.62% |
| ROIC proxyi | 9.03% | 9.90% |
| Return on equityi | 9.03% | 9.90% |
| Dividend yieldi | 1.48% | 3.58% |
| Payout ratioi | 19.27% | 28.24% |
| Dividend growth streaki | No increase yet | N/A |
| Betai | 1.02 | 1.10 |
| Debt/equityi | N/A | N/A |
| Current ratioi | N/A | N/A |
| Quick ratioi | N/A | N/A |
Over the past year, COF and ALLY have moved strongly in the same direction (correlation of 0.71), 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 | COF | ALLY |
|---|---|---|---|
| 1Y | Growthi | -8.50% | -4.78% |
| CAGRi | -8.51% | -4.78% | |
| Volatilityi | 31.13% | 28.25% | |
| Sharpe ratioi | -0.27 | -0.19 | |
| Sortino ratioi | -0.36 | -0.27 | |
| Max drawdowni | 31.73% | 23.59% | |
| Current drawdowni | 21.94% | 17.33% | |
| Avg drawdowni | 17.65% | 9.18% | |
| Ulcer Indexi | 20.05% | 10.99% | |
| Max daily dropi | 8.84% | 5.96% | |
| Max wkly dropi | 10.29% | 8.81% | |
| 5Y | Growthi | +27.60% | -23.95% |
| CAGRi | +5.00% | -5.33% | |
| Volatilityi | 35.14% | 38.12% | |
| Sharpe ratioi | 0.19 | -0.07 | |
| Sortino ratioi | 0.27 | -0.10 | |
| Max drawdowni | 47.72% | 57.75% | |
| Current drawdowni | 21.94% | 25.97% | |
| Avg drawdowni | 20.09% | 30.12% | |
| Ulcer Indexi | 24.15% | 32.85% | |
| Max daily dropi | 9.96% | 17.62% | |
| Max wkly dropi | 18.58% | 23.32% | |
| 10Y | Growthi | +211.15% | +100.41% |
| CAGRi | +12.02% | +7.20% | |
| Volatilityi | 37.29% | 39.46% | |
| Sharpe ratioi | 0.37 | 0.26 | |
| Sortino ratioi | 0.54 | 0.37 | |
| Max drawdowni | 60.25% | 66.62% | |
| Current drawdowni | 21.94% | 30.44% | |
| Avg drawdowni | 17.61% | 23.62% | |
| Ulcer Indexi | 22.45% | 29.00% | |
| Max daily dropi | 23.87% | 23.21% | |
| Max wkly dropi | 38.21% | 43.12% |
| Category | COF | ALLY |
|---|---|---|
| Company | COF | ALLY |
| Sector | Financial Services | Financial Services |
| Industry | Credit Services | Credit Services |
| Core business | Capital One Financial Corporation operates as the financial services holding company for the Capital One, National Association, which engages in the provision of various financial products and services in the United Sta… | Ally Financial Inc., a digital financial-services company, provides various digital financial products and services in the United States and Canada. |
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AI score, forward P/E, analyst target upside, operating margin, and revenue growth are scored head-to-head, with a running tally of which ticker leads on how many metrics.
Volatility, Sharpe and Sortino ratios, maximum, current, and average drawdown, Ulcer Index, and worst single-day and single-week drops across every timeframe.
Pairwise daily-return correlation for every combination, so you can see whether two holdings actually diversify each other or just move together.
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