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.
ALLY holds the edge across 5 of 5 key metrics in this comparison. ALLY leads on both 1-year return (-4.96%) and forward P/E quality (6.06x vs 21.70x for SOFI), a relatively favorable combination of momentum and valuation. On fundamentals, SOFI is growing revenue faster (42.60%), while ALLY maintains the higher operating margin (25.27%) — a classic growth-versus-profitability split. Analyst consensus implies meaningfully more upside for ALLY (+32.29%) than for SOFI (+13.58%).
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.
- 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
- 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
| Metric | SOFI | ALLY |
|---|---|---|
| AI scorei | 37.5 | 38.5 |
| AI ranki | #1338 | #1233 |
| Latest closei | $15.09 | $37.73 |
| 1M returni | -11.60% | -9.26% |
| 3M returni | -12.88% | -19.38% |
| 6M returni | -20.70% | -10.08% |
| 1Y returni | -46.16% | -4.96% |
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 | $5.67K (-43.3%) started 2025-10-16 | $9.81K (-1.9%) started 2025-10-16 |
| 5Y ago | $7.24K (-27.6%) started 2021-10-18 | $6.88K (-31.2%) started 2021-10-18 |
| 10Y ago | $12.37K (+23.7%) started 2021-01-04 | $19.52K (+95.2%) started 2016-10-17 |
Hypothetical — past performance does not guarantee future results.
| Metric | SOFI | ALLY |
|---|---|---|
| Market capi | $23.04B | $11.43B |
| Trailing P/Ei | 36.41 | 8.84 |
| Forward P/Ei | 21.70 | 6.06 |
| Price/Salesi | N/A | N/A |
| EV/Revenuei | 5.17 | 3.61 |
| Analyst targeti | $20.26 | $49.73 |
| Target upsidei | +13.58% | +32.29% |
| Metric | SOFI | ALLY |
|---|---|---|
| Revenue growthi | 42.60% | 11.00% |
| Earnings growthi | 40.40% | 13.50% |
| EPS growthi | +40.40% | +13.50% |
| FCF margini | N/A | N/A |
| Operating margini | 16.96% | 25.27% |
| Profit margini | 14.91% | 18.41% |
| ROIC proxyi | 7.09% | 9.68% |
| Return on equityi | 7.09% | 9.68% |
| Dividend yieldi | N/A | 3.19% |
| Payout ratioi | 0.00% | 28.24% |
| Dividend growth streaki | N/A | N/A |
| Betai | 2.20 | 1.10 |
| Debt/equityi | 30.84 | N/A |
| Current ratioi | 1.10 | N/A |
| Quick ratioi | 0.46 | N/A |
Over the past year, SOFI and ALLY have moved moderately in the same direction (correlation of 0.44), 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 | SOFI | ALLY |
|---|---|---|---|
| 1Y | Growthi | -43.27% | -1.87% |
| CAGRi | -43.33% | -1.88% | |
| Volatilityi | 55.96% | 28.45% | |
| Sharpe ratioi | -0.81 | -0.08 | |
| Sortino ratioi | -1.08 | -0.12 | |
| Max drawdowni | 55.85% | 23.59% | |
| Current drawdowni | 53.15% | 20.15% | |
| Avg drawdowni | 36.30% | 8.81% | |
| Ulcer Indexi | 39.61% | 10.68% | |
| Max daily dropi | 15.44% | 5.96% | |
| Max wkly dropi | 20.11% | 8.81% | |
| 5Y | Growthi | -27.63% | -31.22% |
| CAGRi | -6.27% | -7.22% | |
| Volatilityi | 65.70% | 38.24% | |
| Sharpe ratioi | 0.16 | -0.12 | |
| Sortino ratioi | 0.23 | -0.18 | |
| Max drawdowni | 81.54% | 60.06% | |
| Current drawdowni | 53.15% | 32.40% | |
| Avg drawdowni | 52.23% | 33.94% | |
| Ulcer Indexi | 56.75% | 36.11% | |
| Max daily dropi | 15.44% | 17.62% | |
| Max wkly dropi | 24.27% | 23.32% | |
| 10Y | Growthi | +23.69% | +95.19% |
| CAGRi | +3.75% | +6.92% | |
| Volatilityi | 71.28% | 39.45% | |
| Sharpe ratioi | 0.33 | 0.25 | |
| Sortino ratioi | 0.53 | 0.36 | |
| Max drawdowni | 83.32% | 66.62% | |
| Current drawdowni | 53.15% | 32.80% | |
| Avg drawdowni | 51.68% | 23.56% | |
| Ulcer Indexi | 56.49% | 28.96% | |
| Max daily dropi | 15.44% | 23.21% | |
| Max wkly dropi | 24.27% | 43.12% |
| Category | SOFI | ALLY |
|---|---|---|
| Company | SoFi Technologies, Inc. | Ally Financial Inc. |
| Sector | Financial Services | Financial Services |
| Industry | Credit Services | Credit Services |
| 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. |
- 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'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
- 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
- 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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