ALLY
Ally Financial Inc.
ALLY has the edge over BLK overall, supported by stronger valuation and stronger modeled upside.
BLK
BlackRock, Inc.
BLK trails on the overall score without a compensating advantage in the available component scores.
ALLY Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
ALLY's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like ALLY.
BLK Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
BLK's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like BLK.
ALLY PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 5.4x | $23.66 | -38% |
| Forward | 6.5x | $38.00 | — |
| Current | 8.7x | $38.00 | — |
| Fair | 9.4x | $41.09 | +8.1% |
| Expensive | 17x | $75.07 | +98% |
Historical ranges are pointers, not guarantees.
ALLY's PE is in its fair range at 8.7x. If earnings grow as analysts expect, today's price would be 6.5x next year's earnings, in its cheap range.
BLK PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 19x | $848 | -30% |
| Fair | 22x | $973 | -20% |
| Expensive | 26x | $1,149 | -5.5% |
| Current | 28x | $1,217 | — |
Historical ranges are pointers, not guarantees.
BLK has the edge over ALLY in the historical PE scenario, which offers more potential upside but is not a forecast.
ALLY Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for ALLY, with profitability improving.
BLK Forward outlook
There aren't enough analyst estimates for BLK to show an outlook.
ALLY Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $5.85 | +34% |
| Q3 2026 | $4.38 | +164% |
| Q2 2026 | $4.26 | +177% |
| Q1 2026 | $4.12 | +203% |
| Q4 2025 | $2.37 | -8.8% |
| Q3 2025 | $1.66 | -33% |
| Q2 2025 | $1.54 | -33% |
| Q1 2025 | $1.36 | -44% |
| Q4 2024 | $2.60 | -13% |
ALLY's earnings per share have fallen from their peak: $4.38 over the past year, against $8.23 in late 2021.
BLK Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | $43.87 | +11% |
| Q2 2026 | $41.73 | -0.4% |
| Q1 2026 | $39.73 | -4.7% |
| Q4 2025 | $35.31 | -17% |
| Q3 2025 | $39.42 | -2.7% |
| Q2 2025 | $41.89 | +4% |
| Q1 2025 | $41.69 | +5.9% |
| Q4 2024 | $42.53 | +16% |
BLK has the edge over ALLY on earnings, with more consistent year-over-year improvement.
ALLY Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $2.3B | +7.6% |
| Q2 2026 | $2.3B | +9.8% |
| Q1 2026 | $2.1B | +36% |
| Q4 2025 | $2.1B | +1.5% |
| Q3 2025 | $2.2B | +3.1% |
| Q2 2025 | $2.1B | +4.1% |
| Q1 2025 | $1.5B | -22% |
| Q4 2024 | $2.1B | +1.2% |
ALLY's revenue has grown year over year for six quarters in a row: $2.3B last quarter, up 7.6% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 24% | +0.6 points |
| Q2 2026 | 23% | +2.5 points |
| Q1 2026 | 19% | +38 points |
| Q4 2025 | 18% | +9.8 points |
| Q3 2025 | 24% | +13 points |
| Q2 2025 | 21% | +8.1 points |
| Q1 2025 | -18% | -27 points |
| Q4 2024 | 8.4% | +5.3 points |
ALLY's operating margin was 24% last quarter, up 0.6 points from the same quarter a year ago.
BLK Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $7.8B | +19% |
| Q2 2026 | $7.1B | +31% |
| Q1 2026 | $6.7B | +27% |
| Q4 2025 | $7B | +23% |
| Q3 2025 | $6.5B | +25% |
| Q2 2025 | $5.4B | +13% |
| Q1 2025 | $5.3B | +12% |
| Q4 2024 | $5.7B | +23% |
BLK has the edge over ALLY on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 30% | 0 points |
| Q2 2026 | 35% | +2.8 points |
| Q1 2026 | 42% | +9.8 points |
| Q4 2025 | 24% | -13 points |
| Q3 2025 | 30% | -8.6 points |
| Q2 2025 | 32% | -5.5 points |
| Q1 2025 | 32% | -3.6 points |
| Q4 2024 | 37% | +2.3 points |
BLK has the edge over ALLY on profitability, with a higher operating margin.
ALLY Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $1.6B | +33% |
| Q2 2026 | $1.4B | +43% |
| Q1 2026 | $1.4B | +46% |
| Q4 2025 | $640M | -33% |
| Q3 2025 | $1.2B | +21% |
| Q2 2025 | $947M | -40% |
| Q1 2025 | $940M | -30% |
| Q4 2024 | $951M | +$968M |
ALLY's free cash flow was $5B over the past year, up 23% from the year before. Free cash flow isn't a meaningful measure for financial services companies like ALLY.
BLK Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $2.6B | +95% |
| Q2 2026 | $1.1B | -12% |
| Q1 2026 | -$1.1B | +$120M |
| Q4 2025 | $2.1B | -15% |
| Q2 2025 | $1.3B | -6.1% |
| Q1 2025 | -$1.2B | -$734M |
| Q4 2024 | $2.5B | +35% |
| Q2 2024 | $1.4B | +47% |
BLK's free cash flow was $4.8B over the past year, up 22% from the year before. Free cash flow isn't a meaningful measure for financial services companies like BLK.
ALLY Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.9% | -2.9M shares |
| 1 year | -1.8% | -5.7M shares |
| 3 years | +0.8% | +2.4M shares |
| 5 years | -15% | -53.7M shares |
| Available history | -22% | -87.3M shares |
ALLY has the edge over BLK on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $178M |
| Q2 2026 | $148M |
| Q1 2026 | $147M |
| Q4 2025 | $23M |
| Q3 2025 | $1M |
| Q2 2025 | $1M |
| Q1 2025 | $34M |
| Q4 2024 | $7M |
ALLY spent $496M buying back its own shares over the past year, more than ten times what it spent the year before.
BLK Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.1% | -148K shares |
| 1 year | -0.4% | -677K shares |
| 3 years | +9.3% | +14M shares |
| 5 years | +6.2% | +9.6M shares |
| Available history | +4.4% | +7M shares |
BLK has 165M diluted shares, about the same as a year ago.
| Quarter | Spent |
|---|---|
| Q2 2025 | $396M |
| Q1 2025 | $657M |
| Q4 2024 | $386M |
| Q2 2024 | $519M |
| Q1 2024 | $634M |
| Q4 2023 | $384M |
| Q3 2023 | $396M |
| Q2 2023 | $383M |
ALLY Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 5.1x | High |
| Q2 2026 | 4.6x | High |
| Q1 2026 | 3.0x | Elevated |
| Q4 2025 | 4.8x | High |
| Q3 2025 | 4.7x | High |
| Q2 2025 | 4.8x | High |
| Q1 2025 | 5.6x | High |
| Q4 2024 | 4.2x | High |
ALLY's net debt is about 5.1 years of its operating earnings (EBITDA), up from 4.7 years a year ago. Net leverage isn't a meaningful measure for financial services companies like ALLY.
BLK Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.0x | Net Cash |
| Q2 2026 | 0.2x | Very low |
| Q1 2026 | 0.3x | Very low |
| Q4 2025 | 0.2x | Very low |
| Q3 2025 | 0.3x | Very low |
| Q2 2024 | 0.2x | Very low |
| Q1 2024 | 0.3x | Very low |
| Q4 2023 | 0.1x | Very low |
BLK has the edge over ALLY on leverage, with a lower net debt burden relative to earnings.
ALLY Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 39.2 | Neutral |
| Stochastic | 21.5 | Neutral |
ALLY's weekly RSI is 39 (neutral) and its Stochastic is 21 (neutral).
BLK Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 64.5 | Neutral |
| Stochastic | 79.0 | Neutral |
BLK's weekly RSI is 64 (neutral) and its Stochastic is 79 (neutral).
ALLY PE vs Financial Services Sector
| Metric | ALLY | Sector median | Relative |
|---|---|---|---|
| PE | 8.7x | 13x | 33% below |
| PE % | 44 | 63 | 19 pts below |
ALLY has the edge over BLK on valuation relative to its sector.
BLK PE vs Financial Services Sector
| Metric | BLK | Sector median | Relative |
|---|---|---|---|
| PE | 28x | 13x | 113% above |
| PE % | 97 | 63 | 34 pts above |
BLK is trading at 28x earnings, a 113% premium to the Financial Services sector's median of 13x.
ALLY Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $38.2 | 0.4% below |
| 20 week MA | $41.4 | 8.2% below |
| 50 week MA | $42.1 | 9.8% below |
| 100 week MA | $39.8 | 4.6% below |
| 200 week MA | $36.5 | 4.2% above |
ALLY has fallen below most of its moving averages, though it's still 4.2% above its 200-week average.
BLK Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $1,128.0 | 7.9% above |
| 20 week MA | $1,108.9 | 9.7% above |
| 50 week MA | $1,071.6 | 14% above |
| 100 week MA | $1,051.1 | 16% above |
| 200 week MA | $914.1 | 33% above |
BLK has the edge over ALLY on trend strength, trading above more of its moving averages.
ALLY Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $30.6 | $34.5 | +13% |
| 2021 | $34.5 | $47.6 | +38% |
| 2022 | $47.6 | $23.9 | -50% |
| 2023 | $23.9 | $34.9 | +46% |
| 2024 | $34.9 | $35.7 | +2.1% |
| 2025 | $35.7 | $46.3 | +30% |
| 2026 YTD | $46.3 | $38.0 | -18% |
ALLY has finished higher in five of the last six years. It's down 18% so far in 2026.
BLK Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $503.0 | $707.2 | +41% |
| 2021 | $707.2 | $913.9 | +29% |
| 2022 | $913.9 | $703.9 | -23% |
| 2023 | $703.9 | $811.8 | +15% |
| 2024 | $811.8 | $1,044.2 | +29% |
| 2025 | $1,044.2 | $1,088.1 | +4.2% |
| 2026 YTD | $1,088.1 | $1,216.6 | +12% |
BLK has the edge over ALLY on returns for 2026, with the stronger performance.