ALLY
Price
$45.59
Change
+$0.48 (+1.06%)
Updated
Jul 10, 04:59 PM (EDT)
Capitalization
13.97B
9 days until earnings call
Intraday BUY SELL Signals
COF
Price
$201.41
Change
+$1.31 (+0.65%)
Updated
Jul 10, 04:59 PM (EDT)
Capitalization
124.14B
9 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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Which Stock Would AI Choose? Ally Financial (ALLY) vs. Capital One Financial (COF) Stock Comparison

Key Takeaways

  • ALLY stock has gained approximately 11.6% over the past 30 days amid stabilizing consumer credit trends and sector sentiment recovery.
  • COF stock has risen about 12.3% in the past month but remains down roughly 18% year-to-date, reflecting broader valuation and integration considerations.
  • Both companies are scheduled to report second-quarter 2026 earnings on July 21, 2026, providing near-term catalysts for investor sentiment.
  • ALLY operates primarily as a digital financial services provider with emphasis on auto finance and online banking, while COF maintains a larger scale in credit cards and has been integrating a major acquisition.
  • Recent market activity shows both stocks exhibiting momentum in a financial sector environment influenced by interest rate expectations and consumer spending patterns.
  • Relative positioning highlights trade-offs between ALLY’s focused digital model and COF’s diversified operations with physical presence elements.

Introduction

Ally Financial (ALLY) and Capital One Financial (COF) represent two distinct approaches within the consumer finance sector. Investors and traders often compare these stocks when evaluating digital-first banking models against scaled credit operations amid evolving economic conditions. This analysis examines their business profiles, recent price behavior, and market positioning to assist those seeking data-driven insights into relative performance. Professionals monitoring financial sector rotation, as well as individual investors assessing diversification within consumer lending, may find the comparison relevant for understanding how each company navigates current interest rate dynamics and credit trends.

ALLY Overview and Recent Performance

Ally Financial (ALLY) provides digital financial services, including auto financing, online banking, and brokerage offerings. In recent weeks, the stock has demonstrated positive momentum, advancing approximately 11.6% over the trailing 30-day period as of early July 2026. This recovery followed earlier market lows and coincided with stabilizing consumer credit indicators and broader sector sentiment. The company is set to release second-quarter 2026 results on July 21, 2026, an event that typically influences short-term trading activity. Earnings per share (EPS) in the prior quarter exceeded consensus estimates, supporting underlying operational resilience in a competitive lending environment.

COF Overview and Recent Performance

Capital One Financial (COF) operates a diversified financial services business centered on credit cards, consumer banking, and commercial lending, with ongoing integration activities from a significant acquisition. Over the past month through early July 2026, the stock recorded gains of about 12.3%, though it remains lower on a year-to-date basis. Recent market activity reflects investor attention to credit performance metrics and regulatory stress test outcomes. The company will also report second-quarter 2026 earnings on July 21, 2026. Analyst commentary has noted both upward and downward adjustments to price targets in the period, illustrating varied views on valuation relative to growth prospects.

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Head-to-Head Comparison

Ally Financial (ALLY) employs a streamlined digital business model focused on auto lending and deposit gathering, resulting in lower overhead compared with traditional branch networks. Capital One Financial (COF) operates at greater scale with substantial credit card exposure and has pursued inorganic growth through acquisitions, introducing integration-related variables. Recent momentum has favored both names in the short term, yet COF carries a larger year-to-date decline that may reflect earlier valuation compression. Sector exposure overlaps in consumer finance, though ALLY exhibits greater sensitivity to auto industry cycles while COF faces broader credit card delinquency trends. Risk factors include interest rate sensitivity for both, with COF additionally navigating post-acquisition operational execution. Market sentiment, as reflected in analyst revisions, appears more mixed for COF amid ongoing integration commentary.

Tickeron AI Verdict

Based on observable trend consistency and recent price recovery patterns, Tickeron’s AI models currently assign a modestly higher probabilistic preference to Ally Financial (ALLY) over Capital One Financial (COF). The assessment considers ALLY’s more compact recent gains alongside sector stabilization signals, while acknowledging COF’s scale advantages and upcoming earnings as potential offsets. This positioning remains subject to change with new data releases and broader market developments.

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 12, 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 Hold and COF is a Buy.

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COMPARISON
Comparison
Jul 12, 2026
Stock price -- (ALLY: $45.59 vs. COF: $201.52)
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: 55% vs. COF: 50%
Market capitalization -- ALLY: $13.97B vs. COF: $124.14B
ALLY [@Savings Banks] is valued at $13.97B. COF’s [@Savings Banks] market capitalization is $124.14B. The market cap for tickers in the [@Savings Banks] industry ranges from $663.65B to $0. The average market capitalization across the [@Savings Banks] industry is $32.82B.

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 2 green FA rating(s).

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

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

  • ALLY’s TA Score: 5 bullish, 5 bearish.
  • COF’s TA Score: 4 bullish, 6 bearish.
According to our system of comparison, ALLY is a better buy in the short-term than COF.

Price Growth

ALLY (@Savings Banks) experienced а +0.60% price change this week, while COF (@Savings Banks) price change was -1.76% for the same time period.

The average weekly price growth across all stocks in the @Savings Banks industry was -2.92%. For the same industry, the average monthly price growth was +7.13%, and the average quarterly price growth was -2.74%.

Reported Earning Dates

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

COF is expected to report earnings on Jul 21, 2026.

Industries' Descriptions

@Savings Banks (-2.92% 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($124B) has a higher market cap than ALLY($14B). COF has higher P/E ratio than ALLY: COF (61.98) vs ALLY (11.07). ALLY YTD gains are higher at: 2.072 vs. COF (-16.175). 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
Capitalization14B124B11%
EBITDAN/AN/A-
Gain YTD2.072-16.175-13%
P/E Ratio11.0761.9818%
Revenue9.37B58.7B16%
Total CashN/A3.03B-
Total Debt21.1B51.3B41%
FUNDAMENTALS RATINGS
ALLY vs COF: Fundamental Ratings
ALLY
COF
OUTLOOK RATING
1..100
5050
VALUATION
overvalued / fair valued / undervalued
1..100
22
Undervalued
92
Overvalued
PROFIT vs RISK RATING
1..100
10062
SMR RATING
1..100
84
PRICE GROWTH RATING
1..100
4751
P/E GROWTH RATING
1..100
994
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 (22) in the Finance Or Rental Or Leasing industry is significantly better than the same rating for COF (92) in the Major Banks industry. This means that ALLY’s stock grew significantly faster than COF’s over the last 12 months.

COF's Profit vs Risk Rating (62) in the Major Banks industry is somewhat better than the same rating for ALLY (100) 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.

ALLY's Price Growth Rating (47) in the Finance Or Rental Or Leasing industry is in the same range as COF (51) in the Major Banks industry. This means that ALLY’s stock grew similarly to COF’s over the last 12 months.

COF's P/E Growth Rating (4) in the Major Banks industry is significantly better than the same rating for ALLY (99) in the Finance Or Rental Or Leasing industry. This means that COF’s stock grew significantly faster than ALLY’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
ALLYCOF
RSI
ODDS (%)
Bearish Trend 3 days ago
76%
Bearish Trend 3 days ago
67%
Stochastic
ODDS (%)
Bullish Trend 3 days ago
74%
Bearish Trend 3 days ago
59%
Momentum
ODDS (%)
Bearish Trend 3 days ago
72%
Bearish Trend 3 days ago
66%
MACD
ODDS (%)
Bearish Trend 3 days ago
76%
Bearish Trend 3 days ago
57%
TrendWeek
ODDS (%)
Bullish Trend 3 days ago
68%
Bearish Trend 3 days ago
66%
TrendMonth
ODDS (%)
Bullish Trend 3 days ago
64%
Bullish Trend 3 days ago
63%
Advances
ODDS (%)
Bullish Trend 3 days ago
65%
Bullish Trend 3 days ago
65%
Declines
ODDS (%)
Bearish Trend 5 days ago
68%
Bearish Trend 5 days ago
65%
BollingerBands
ODDS (%)
Bearish Trend 3 days ago
77%
Bullish Trend 3 days ago
75%
Aroon
ODDS (%)
Bullish Trend 3 days ago
55%
Bearish Trend 3 days ago
66%
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ALLY
Daily Signal:
Gain/Loss:
COF
Daily Signal:
Gain/Loss:
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