ALLY
Ally Financial Inc.
ALLY has the edge over HOOD overall, supported by stronger fundamentals and lower modeled downside.
HOOD
Robinhood Markets, Inc.
HOOD offers stronger valuation, but that advantage does not outweigh its weaker overall profile.
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.
HOOD Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Healthy | |
| N/A | |
| N/A |
HOOD's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like HOOD.
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.
HOOD PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 30x | $81.35 | — |
| Cheap | 37x | $78.84 | -3.1% |
| Current | 38x | $81.35 | — |
| Fair | 51x | $110 | +35% |
| Expensive | 74x | $160 | +96% |
Historical ranges are pointers, not guarantees.
HOOD 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.
HOOD Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Moderate | |
| Low |
Analysts expect strong earnings and revenue growth for HOOD, with profitability improving. However, they disagree widely on these estimates.
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.
HOOD Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.72 | +26% |
| Q3 2026 | $2.16 | -10% |
| Q2 2026 | $2.26 | +15% |
| Q1 2026 | $2.06 | +18% |
| Q4 2025 | $2.05 | +31% |
| Q3 2025 | $2.40 | +314% |
| Q2 2025 | $1.96 | +513% |
| Q1 2025 | $1.75 | +1150% |
| Q4 2024 | $1.56 | +$2.17 |
HOOD 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.
HOOD Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $1.4B | +12% |
| Q2 2026 | $1.3B | +32% |
| Q1 2026 | $1.1B | +15% |
| Q4 2025 | $1.3B | +27% |
| Q3 2025 | $1.3B | +100% |
| Q2 2025 | $989M | +45% |
| Q1 2025 | $927M | +50% |
| Q4 2024 | $1B | +115% |
HOOD has the edge over ALLY on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 44% | -5.9 points |
| Q2 2026 | 54% | +9.5 points |
| Q1 2026 | 39% | -1.5 points |
| Q4 2025 | 52% | -3.5 points |
| Q3 2025 | 50% | +26 points |
| Q2 2025 | 45% | +17 points |
| Q1 2025 | 40% | +14 points |
| Q4 2024 | 55% | +49 points |
HOOD 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.
HOOD Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $1.2B | +$2.8B |
| Q2 2026 | $720M | -79% |
| Q1 2026 | $2B | +217% |
| Q4 2025 | -$937M | +$463M |
| Q3 2025 | -$1.6B | -187% |
| Q2 2025 | $3.5B | +6398% |
| Q1 2025 | $642M | +$1.3B |
| Q4 2024 | -$1.4B | -246% |
HOOD's free cash flow was $3B over the past year, up 159% from the year before. Free cash flow isn't a meaningful measure for financial services companies like HOOD.
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 HOOD 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.
HOOD Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.1% | -1M shares |
| 1 year | -0.8% | -6.9M shares |
| 3 years | +1.8% | +15.9M shares |
| 5 years | +292% | +679M shares |
| Available history | +7.2% | +60.8M shares |
HOOD has 911M diluted shares, down 0.8% from a year ago, with $789M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $25M |
| Q2 2026 | $414M |
| Q1 2026 | $250M |
| Q4 2025 | $100M |
| Q3 2025 | $107M |
| Q2 2025 | $124M |
| Q1 2025 | $322M |
| Q4 2024 | $160M |
HOOD spent $789M buying back its own shares over the past year, up 11% from the year before.
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.
HOOD Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -1.3x | Net Cash |
| Q2 2026 | -2.1x | Net Cash |
| Q1 2026 | -2.2x | Net Cash |
| Q4 2025 | -1.9x | Net Cash |
| Q3 2025 | -2.1x | Net Cash |
| Q2 2025 | -2.6x | Net Cash |
| Q1 2025 | -3.3x | Net Cash |
| Q4 2024 | -3.8x | Net Cash |
HOOD 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).
HOOD Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 40.8 | Neutral |
| Stochastic | 9.5 | Oversold |
HOOD's weekly RSI is 41 (neutral) and its Stochastic is 10 (oversold).
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 HOOD on valuation relative to its sector.
HOOD PE vs Financial Services Sector
| Metric | HOOD | Sector median | Relative |
|---|---|---|---|
| PE | 38x | 13x | 189% above |
| PE % | 22 | 66 | 44 pts below |
HOOD is trading at 38x earnings, a 189% 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.
HOOD Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $97.8 | 17% below |
| 20 week MA | $102.2 | 20% below |
| 50 week MA | $95.4 | 15% below |
| 100 week MA | $88.5 | 8.1% below |
| 200 week MA | $52.1 | 56% above |
HOOD has fallen below most of its moving averages, though it's still 56% above its 200-week average.
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 the edge over HOOD on returns for 2026, with the stronger performance.
HOOD Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2021 | $35.2 | $18.9 | -46% |
| 2022 | $18.9 | $7.95 | -58% |
| 2023 | $7.95 | $12.7 | +60% |
| 2024 | $12.7 | $39.0 | +206% |
| 2025 | $39.0 | $118.1 | +203% |
| 2026 YTD | $118.1 | $81.4 | -31% |
HOOD's yearly returns have swung widely, from +206% in 2024 to −58% in 2022. It's down 31% so far in 2026.