ALLY
Price
$43.68
Change
+$0.76 (+1.77%)
Updated
Jul 27 closing price
Capitalization
13.29B
85 days until earnings call
Intraday BUY SELL Signals
COF
Price
$207.05
Change
+$4.21 (+2.08%)
Updated
Jul 27 closing price
Capitalization
127.03B
86 days until earnings call
Intraday BUY SELL Signals
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ALLY vs COF

ALLY vs COF Comparison Chart in %
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Jul 20, 2026

Which Stock Would AI Choose? Ally Financial (ALLY) vs. Capital One Financial (COF) Stock Comparison

Key Takeaways

  • ALLY has delivered stronger year-to-date performance relative to COF, with positive returns amid broader financial sector volatility.
  • Both companies are scheduled to report second-quarter 2026 earnings on July 21, creating a near-term catalyst for price movement and sentiment shifts.
  • ALLY operates primarily as a digital financial services provider focused on auto financing and deposits, while COF maintains a larger credit-card and consumer-banking platform with an ongoing integration of the Discover acquisition.
  • Recent executive appointments at ALLY and regulatory stress-test outcomes at COF have shaped distinct sentiment drivers in recent weeks.
  • Valuation multiples and dividend yields differ notably, with ALLY trading at a lower price-to-earnings ratio compared with COF.
  • Market positioning favors ALLY for relative stability in the current environment, though both stocks remain sensitive to interest-rate trends and consumer credit conditions.

Introduction

This comparison examines ALLY and COF, two financial institutions with overlapping yet differentiated exposures to consumer lending and banking services. Traders and investors seeking to understand relative performance within the consumer-finance sector may find the analysis relevant, particularly ahead of simultaneous earnings releases. The review focuses on verifiable business models, recent price behavior, and observable market factors without forecasting outcomes.

ALLY Overview and Recent Performance

Ally Financial Inc. (ALLY) provides digital banking, auto financing, and related financial products. In recent market activity, the stock has traded near the upper end of its 52-week range, closing around $45.64 in mid-July 2026. Year-to-date returns stand at approximately 3.62%, outpacing some peers despite lagging the broader S&P 500. Recent developments include the appointment of a new Chief Information and Data Officer effective July 20, 2026, which supports ongoing technology initiatives. Upcoming second-quarter earnings on July 21 represent a key near-term event influencing sentiment.

COF Overview and Recent Performance

Capital One Financial Corporation (COF) operates a diversified consumer-finance business centered on credit cards, auto loans, and retail banking, while advancing integration of its Discover acquisition. The stock has traded around $208 in recent sessions, reflecting a year-to-date decline of roughly 12% and underperformance versus major indices. Stress-test results and quarterly dividend announcements provided updates in June and July 2026. Second-quarter earnings, also scheduled for July 21, coincide with ongoing execution on the Discover integration, which has contributed to recent price pressure.

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Head-to-Head Comparison

Ally Financial (ALLY) emphasizes a streamlined digital model with heavy weighting toward auto loans and deposit gathering, offering lower overhead compared with traditional branch networks. Capital One Financial (COF) operates at larger scale with substantial credit-card receivables and faces additional complexity from the Discover integration, introducing execution risk alongside potential synergies. Recent momentum has favored ALLY, which posted modest gains while COF experienced a notable year-to-date pullback amid integration-related concerns. Risk factors include interest-rate sensitivity for both, though COF carries heightened exposure to consumer credit trends given its card portfolio. Market sentiment reflects cautious optimism for ALLY on operational simplicity, contrasted with tempered views on COF pending clearer integration progress. Sector exposure remains comparable within consumer finance, yet valuation differentials—lower multiples at ALLY versus premium pricing at COF—highlight distinct trade-offs for investors evaluating relative positioning.

Tickeron AI Verdict

Based on observable factors such as more consistent recent price stability, favorable year-to-date relative returns, and a simpler operational profile, Tickeron’s AI would currently assign a modestly higher probability of outperformance to ALLY over COF in the near term. The assessment incorporates trend consistency and positioning ahead of shared earnings catalysts but remains probabilistic rather than definitive, given the influence of upcoming data releases and broader market variables.

Disclaimer

The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer.

Disclaimers and Limitations

VS
ALLY vs. COF commentary
Jul 28, 2026

To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is ALLY is a StrongBuy and COF is a Buy.

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COMPARISON
Comparison
Jul 28, 2026
Stock price -- (ALLY: $43.68 vs. COF: $207.05)
Brand notoriety: ALLY: Not notable vs. COF: Notable
Both companies represent the Savings Banks industry
Current volume relative to the 65-day Moving Average: ALLY: 100% vs. COF: 82%
Market capitalization -- ALLY: $13.29B vs. COF: $127.03B
ALLY [@Savings Banks] is valued at $13.29B. COF’s [@Savings Banks] market capitalization is $127.03B. The market cap for tickers in the [@Savings Banks] industry ranges from $689.44B to $0. The average market capitalization across the [@Savings Banks] industry is $33.55B.

Long-Term Analysis

It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).

ALLY’s FA Score shows that 2 FA rating(s) are green whileCOF’s FA Score has 1 green FA rating(s).

  • ALLY’s FA Score: 2 green, 3 red.
  • COF’s FA Score: 1 green, 4 red.
According to our system of comparison, COF is a better buy in the long-term than ALLY.

Short-Term Analysis

It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.

If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.

ALLY’s TA Score shows that 4 TA indicator(s) are bullish while COF’s TA Score has 5 bullish TA indicator(s).

  • ALLY’s TA Score: 4 bullish, 5 bearish.
  • COF’s TA Score: 5 bullish, 4 bearish.
According to our system of comparison, COF is a better buy in the short-term than ALLY.

Price Growth

ALLY (@Savings Banks) experienced а -4.04% price change this week, while COF (@Savings Banks) price change was +0.14% for the same time period.

The average weekly price growth across all stocks in the @Savings Banks industry was -0.84%. For the same industry, the average monthly price growth was -3.38%, and the average quarterly price growth was +3.29%.

Reported Earning Dates

ALLY is expected to report earnings on Oct 21, 2026.

COF is expected to report earnings on Oct 22, 2026.

Industries' Descriptions

@Savings Banks (-0.84% weekly)

A savings bank primary function is to take deposits and paying interest on those deposits. Originating in Europe during the 18th century, these banks were generally introduced to incentivize people of all stripes to save money and park them with banks. By the 1990s, the internet ushered in online savings banks that allowed savers to deposit/transact with banks digitally, without requiring to visit a branch office. Savings banks have potentially encouraged lower-income population to save and have access to a financial institution to earn interest on their money. New York Community Bancorp, Inc, Webster Financial Corporation, Washington Federal, Inc. are examples of savings banks.

SUMMARIES
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FUNDAMENTALS
Fundamentals
COF($127B) has a higher market cap than ALLY($13.3B). COF has higher P/E ratio than ALLY: COF (11.41) vs ALLY (10.28). ALLY YTD gains are higher at: -2.205 vs. COF (-13.874). ALLY has less debt than COF: ALLY (21.1B) vs COF (51.3B). COF has higher revenues than ALLY: COF (58.7B) vs ALLY (9.37B).
ALLYCOFALLY / COF
Capitalization13.3B127B10%
EBITDAN/AN/A-
Gain YTD-2.205-13.87416%
P/E Ratio10.2811.4190%
Revenue9.37B58.7B16%
Total CashN/A3.03B-
Total Debt21.1B51.3B41%
FUNDAMENTALS RATINGS
ALLY vs COF: Fundamental Ratings
ALLY
COF
OUTLOOK RATING
1..100
7070
VALUATION
overvalued / fair valued / undervalued
1..100
18
Undervalued
39
Fair valued
PROFIT vs RISK RATING
1..100
9658
SMR RATING
1..100
84
PRICE GROWTH RATING
1..100
5652
P/E GROWTH RATING
1..100
99100
SEASONALITY SCORE
1..100
5050

Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.

ALLY's Valuation (18) in the Finance Or Rental Or Leasing industry is in the same range as COF (39) in the Major Banks industry. This means that ALLY’s stock grew similarly to COF’s over the last 12 months.

COF's Profit vs Risk Rating (58) in the Major Banks industry is somewhat better than the same rating for ALLY (96) in the Finance Or Rental Or Leasing industry. This means that COF’s stock grew somewhat faster than ALLY’s over the last 12 months.

COF's SMR Rating (4) in the Major Banks industry is in the same range as ALLY (8) in the Finance Or Rental Or Leasing industry. This means that COF’s stock grew similarly to ALLY’s over the last 12 months.

COF's Price Growth Rating (52) in the Major Banks industry is in the same range as ALLY (56) in the Finance Or Rental Or Leasing industry. This means that COF’s stock grew similarly to ALLY’s over the last 12 months.

ALLY's P/E Growth Rating (99) in the Finance Or Rental Or Leasing industry is in the same range as COF (100) in the Major Banks industry. This means that ALLY’s stock grew similarly to COF’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
ALLYCOF
RSI
ODDS (%)
Bearish Trend 1 day ago
68%
Bearish Trend 1 day ago
67%
Stochastic
ODDS (%)
Bullish Trend 1 day ago
79%
Bearish Trend 1 day ago
57%
Momentum
ODDS (%)
Bearish Trend 1 day ago
76%
Bullish Trend 1 day ago
71%
MACD
ODDS (%)
Bearish Trend 1 day ago
67%
Bearish Trend 1 day ago
61%
TrendWeek
ODDS (%)
Bearish Trend 1 day ago
69%
Bullish Trend 1 day ago
66%
TrendMonth
ODDS (%)
Bearish Trend 1 day ago
67%
Bullish Trend 1 day ago
64%
Advances
ODDS (%)
Bullish Trend 13 days ago
65%
Bullish Trend 1 day ago
65%
Declines
ODDS (%)
Bearish Trend 5 days ago
68%
Bearish Trend 6 days ago
65%
BollingerBands
ODDS (%)
Bullish Trend 1 day ago
74%
Bullish Trend 1 day ago
69%
Aroon
ODDS (%)
Bullish Trend 1 day ago
62%
Bullish Trend 1 day ago
64%
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ALLY
Daily Signal:
Gain/Loss:
COF
Daily Signal:
Gain/Loss:
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ALLY and

Correlation & Price change

A.I.dvisor indicates that over the last year, ALLY has been closely correlated with SYF. These tickers have moved in lockstep 74% of the time. This A.I.-generated data suggests there is a high statistical probability that if ALLY jumps, then SYF could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To ALLY
1D Price
Change %
ALLY100%
+1.77%
SYF - ALLY
74%
Closely correlated
+3.31%
OMF - ALLY
73%
Closely correlated
+2.54%
COF - ALLY
72%
Closely correlated
+2.08%
AXP - ALLY
70%
Closely correlated
+2.83%
BFH - ALLY
64%
Loosely correlated
+1.73%
More

COF and

Correlation & Price change

A.I.dvisor indicates that over the last year, COF has been closely correlated with SYF. These tickers have moved in lockstep 82% of the time. This A.I.-generated data suggests there is a high statistical probability that if COF jumps, then SYF could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To COF
1D Price
Change %
COF100%
+2.08%
SYF - COF
82%
Closely correlated
+3.31%
AXP - COF
77%
Closely correlated
+2.83%
ALLY - COF
72%
Closely correlated
+1.77%
OMF - COF
70%
Closely correlated
+2.54%
BFH - COF
69%
Closely correlated
+1.73%
More