LIVE
SOFI
SoFi Technologies, Inc. · Financials
$18.58
+12.09% this month
VERSUS
⟷
COMPARE
ALLY
Ally Financial Inc. · Financials
$45.29
+2.08% this month
Scoreboard verdict
Across AI score, momentum, valuation, upside, operating margin
SOFI
0
ALLY
4
Comparison scoreboard
ALLY LEADS 4/5AI Score
SOFI 35.7
ALLY ✓47.3
1Y Return
SOFI -12.87%
ALLY ✓+14.77%
Fwd P/E
SOFI 22.94
ALLY ✓6.96
Target Up.
SOFI +10.70%
ALLY ✓+19.47%
Op. Margin
SOFI N/A
ALLY N/A
Metrics last refreshed: 7/14/2026
Quick take
SOFI vs ALLY: SoFi Technologies vs Ally Financial Stock Comparison: AI Score, Valuation, Performance and Upside
SoFi is a digital financial services platform expanding from student loans into full-service digital banking with cross-sell ambitions, while Ally Financial is an established digital bank and auto finance leader managing credit normalization after post-pandemic auto lending stress. Ally is more mature with auto lending moat; SoFi has broader product growth ambitions.
SOFI vs ALLY is a digital financial services challenger cross-selling to a growing member base versus an established digital bank managing auto credit normalization — SoFi wins if member cross-sell and technology platform businesses compound; Ally wins if auto credit quality stabilizes and deposit franchise value re-rates.
Live analysis · updated 7/14/2026
ALLY holds the edge across 4 of 5 key metrics in this comparison. ALLY leads on both 1-year return (+14.77%) and forward P/E quality (6.96x vs 22.94x for SOFI), a relatively favorable combination of momentum and valuation. Analyst consensus implies meaningfully more upside for ALLY (+19.47%) than for SOFI (+10.70%).
Normalized 1Y performance
SOFI
ALLY
Recent returns
SOFI
ALLY
Analyst price targets & sentiment
SOFI · 19 analysts
STRONG BUYHOLDSTRONG SELL
Hold (2.7/5.0)
Price target range
analyst low$12.00
analyst high$30.00
analyst mean$20.58
current price$18.58
+10.7% upside to analyst mean
ALLY · 17 analysts
STRONG BUYHOLDSTRONG SELL
Buy (1.7/5.0)
Price target range
analyst low$46.00
analyst high$58.00
analyst mean$54.11
current price$45.29
+19.5% upside to analyst mean
Who should consider this stock?
SOFI may suit investors who:
- →want a digital fintech bank with broader product cross-sell ambitions than traditional auto-focused banks
- →value Galileo and Technisys B2B infrastructure as durable SaaS revenue independent of consumer lending
- →believe SoFi's bank charter and deposit growth fundamentally improve its cost of funds economics
- →are comfortable with longer profitability timeline in exchange for member and product growth optionality
ALLY may suit investors who:
- →prefer an established digital bank with decades-deep auto dealer relationships
- →value Ally's high-yield savings deposit franchise as a durable low-cost funding source
- →want auto lending recovery upside as credit quality normalizes from elevated loss rates
- →prefer lower risk through a profitable, established bank at a low P/TBV multiple
Performance & AI score
| Metric | SOFI | ALLY |
|---|---|---|
| AI score | 35.7 | 47.3 |
| AI rank | #1626 | #652 |
| Latest close | $18.58 | $45.29 |
| 1M return | +12.09% | +2.08% |
| 6M return | -30.13% | +3.51% |
| 1Y return | -12.87% | +14.77% |
$10,000 invested — hypothetical growth (dividends reinvested)
How much would $10,000 be worth today if invested at the start of each period, with all dividends reinvested?
| Period | SOFI | ALLY |
|---|---|---|
| 1Y ago | $8.71K (-12.9%) started 2025-07-14 | $11.83K (+18.3%) started 2025-07-14 |
| 5Y ago | $11.97K (+19.7%) started 2021-07-14 | $12.48K (+24.8%) started 2021-07-14 |
| 10Y ago | $15.23K (+52.3%) started 2021-01-04 | $47.75K (+377.5%) started 2016-07-14 |
Hypothetical — past performance does not guarantee future results.
Valuation & upside potential
| Metric | SOFI | ALLY |
|---|---|---|
| Market cap | $23.85B | $13.88B |
| Trailing P/E | 41.31 | 11.10 |
| Forward P/E | 22.94 | 6.96 |
| Price/Sales | 6.10 | 1.81 |
| EV/Revenue | 5.53 | 3.67 |
| Analyst target | $20.58 | $54.11 |
| Target upside | +10.70% | +19.47% |
Growth, profitability & risk
| Metric | SOFI | ALLY |
|---|---|---|
| Revenue growth | 42.50% | 19.70% |
| Earnings growth | 101.20% | N/A |
| EPS growth | +101.20% | N/A |
| FCF margin | N/A | N/A |
| Operating margin | N/A | N/A |
| Profit margin | 14.76% | 18.16% |
| ROIC proxy | 6.60% | 9.36% |
| Return on equity | 6.60% | 9.36% |
| Dividend yield | 0.00% | 2.63% |
| Beta | 2.15 | 1.08 |
| Debt/equity | 17.72 | N/A |
| Current ratio | 1.12 | N/A |
| Quick ratio | 0.49 | N/A |
Drawdown & downside risk
Lower drawdown and smaller single-period drops generally indicate a smoother ride, though they do not guarantee lower future risk.
1Y risk snapshot
SOFI max drawdown52.96%
ALLY max drawdown23.04%
SOFI max wkly drop20.11%
ALLY max wkly drop9.16%
5Y risk snapshot
SOFI max drawdown81.54%
ALLY max drawdown58.08%
SOFI max wkly drop24.27%
ALLY max wkly drop23.32%
10Y risk snapshot
SOFI max drawdown83.32%
ALLY max drawdown66.24%
SOFI max wkly drop24.27%
ALLY max wkly drop43.12%
Performance metrics by period
| Period | Metric | SOFI | ALLY |
|---|---|---|---|
| 1Y | Growth | -12.87% | +14.77% |
| CAGR | -12.88% | +14.78% | |
| Sharpe ratio | -0.05 | 0.46 | |
| Max drawdown | 52.96% | 23.04% | |
| Max daily drop | 15.44% | 5.96% | |
| Max wkly drop | 20.11% | 9.16% | |
| 5Y | Growth | +19.75% | +4.46% |
| CAGR | +3.67% | +0.88% | |
| Sharpe ratio | 0.32 | 0.10 | |
| Max drawdown | 81.54% | 58.08% | |
| Max daily drop | 15.44% | 17.62% | |
| Max wkly drop | 24.27% | 23.32% | |
| 10Y | Growth | +52.34% | +247.42% |
| CAGR | +7.92% | +13.26% | |
| Sharpe ratio | 0.39 | 0.40 | |
| Max drawdown | 83.32% | 66.24% | |
| Max daily drop | 15.44% | 23.21% | |
| Max wkly drop | 24.27% | 43.12% |
Business comparison
| Category | SOFI | ALLY |
|---|---|---|
| Company | SoFi Technologies, Inc. | Ally Financial Inc. |
| Sector | Financials | Financials |
| Industry | N/A | N/A |
| Core business | Digital financial services company with banking (SoFi Bank), student and personal loans, investing, credit cards, and financial planning. SoFi's bank charter allows it to fund loans with cheaper customer deposits instead of expensive warehouse lines. | Digital-only bank and auto finance company — one of the largest auto lenders in the US with relationships with auto dealers nationwide. Ally also offers retail deposits (high-yield savings), mortgage, and credit card services. |
| Investor focus | Member growth and product cross-sell, financial services segment profitability, loan volume and credit quality, technology platform (Galileo/Technisys) revenue, and path to sustained GAAP profitability. | Auto loan credit quality and loss rates, retail deposit costs, NIM trajectory, and capital return as credit normalization progresses. |
SOFI strengths
- →Bank charter dramatically improved SoFi's funding cost by enabling deposit-funded lending vs warehouse credit facilities
- →Cross-sell of financial products (banking, investing, credit cards, loans) to a growing member base improves lifetime value
- →Galileo and Technisys B2B fintech infrastructure businesses provide revenue diversification beyond consumer lending
ALLY strengths
- →Ally's auto lending franchise has deep dealer relationships built over decades as GMAC/Ally — a significant competitive moat
- →Digital-only model has lower cost structure than branch-based banks, supporting competitive deposit rates
- →High-yield savings product has attracted billions in retail deposits from rate-seeking consumers
Risks to watch — SOFI
- →Student loan refinancing was SoFi's original core business — regulatory uncertainty around student loan forgiveness and pause created ongoing headwinds
- →Credit quality in personal lending bears watching as borrowers face higher rates and economic stress
- →SoFi's path to sustained GAAP profitability has been longer than initially guided
Risks to watch — ALLY
- →Auto loan credit quality deteriorated significantly as used car prices normalized and subprime auto stress increased
- →NIM has been pressured by higher deposit costs in a competitive high-rate environment
- →Mortgage exit and credit card focus shift create execution risk as Ally repositions its product mix
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