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ALLY vs OMF
Which Stock Would AI Choose? Ally Financial (ALLY) vs. OneMain Financial (OMF) Stock Comparison
Key Takeaways
- Ally Financial (ALLY) shares surged over 8% following a Q1 2026 earnings beat, with adjusted EPS of $1.11 topping estimates, amid strong auto loan originations.
- OneMain Financial (OMF) offers a higher dividend yield of 7.01% and lower P/E ratio (price-to-earnings) of 9.13, signaling value in consumer lending.
- Both stocks have gained significantly over the past year—ALLY up 51%, OMF up 46%—reflecting resilience in financial services amid rate dynamics.
- Recent market activity shows ALLY up about 22% in the past month, outpacing OMF's 18% rise, driven by momentum in lending segments.
- OMF boasts superior ROE (return on equity) at 23.76% versus ALLY's 9.36%, highlighting efficient capital use in personal loans.
Introduction
Ally Financial (ALLY) and OneMain Financial (OMF) operate in the competitive consumer finance sector, focusing on lending amid evolving interest rates and economic conditions. ALLY, a digital banking pioneer, emphasizes auto financing and deposits, while OMF specializes in non-prime personal loans. Traders seeking exposure to credit-sensitive names and investors eyeing relative performance in financial services will find this comparison valuable. Recent market activity highlights divergent momentum, with earnings catalysts and valuation metrics shaping stock positioning in a volatile environment.
ALLY Overview and Recent Performance
Ally Financial (ALLY) is a leading digital financial services company, offering auto loans, deposits, and corporate financing with a market cap of approximately $14.3 billion. Trading near $46, the stock's 52-week range spans $29.91 to $47.27. In recent weeks, shares have climbed over 20% monthly, fueled by robust Q1 2026 results: adjusted EPS of $1.11 beat estimates by 19%, revenues reached $2.1 billion with costs declining, and auto originations hit $11.5 billion. Improved net interest margin (NIM, the spread between interest earned and paid) and credit quality have bolstered sentiment, despite a slight revenue miss. YTD gains stand at 3%, with analysts targeting $52.
OMF Overview and Recent Performance
OneMain Financial (OMF), or OneMain Holdings, provides personal loans to non-prime borrowers through branches and online, with a market cap of about $7.1 billion. Shares trade around $60, within a 52-week range of $44 to $72. Recent market activity has lifted the stock roughly 18% in the past month, supported by solid fundamentals including a 26% profit margin and ROE of nearly 24%. YTD performance exceeds 9%, outpacing ALLY, amid anticipation for Q1 earnings on May 1. Valuation discussions and share price swings have influenced sentiment, with a high dividend yield attracting income-focused investors, though legal scrutiny in lending practices lingers in recent reports.
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Head-to-Head Comparison
ALLY and OMF both thrive in lending but differ in models: ALLY's deposit base provides funding stability and diversification into corporate finance, contrasting OMF's reliance on securitizations for personal loans targeting subprime borrowers. Growth drivers include ALLY's auto and deposit expansion versus OMF's loan portfolio scaling. Recent momentum favors ALLY post-earnings, though OMF leads YTD. Risks encompass credit cycles and rates—OMF faces higher beta (1.26) and NCO (net charge-offs) exposure. Market sentiment tilts positive for both, with OMF's lower P/E and yield appealing to value plays, while ALLY shows trend strength.
Tickeron AI Verdict
Tickeron's AI currently leans toward ALLY based on superior recent trend consistency, earnings catalysts like the Q1 beat, and relative momentum in recent weeks. While OMF offers compelling value and yield, ALLY's stability and positioning suggest higher near-term probability of outperformance amid favorable credit trends.
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
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 OMF is a StrongBuy.
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 whileOMF’s FA Score has 2 green FA rating(s).
- ALLY’s FA Score: 2 green, 3 red.
- OMF’s FA Score: 2 green, 3 red.
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 OMF’s TA Score has 4 bullish TA indicator(s).
- ALLY’s TA Score: 5 bullish, 3 bearish.
- OMF’s TA Score: 4 bullish, 5 bearish.
Price Growth
ALLY (@Savings Banks) experienced а -0.09% price change this week, while OMF (@Savings Banks) price change was +0.09% for the same time period.
The average weekly price growth across all stocks in the @Savings Banks industry was -4.77%. For the same industry, the average monthly price growth was -4.19%, and the average quarterly price growth was -7.49%.
Reported Earning Dates
ALLY is expected to report earnings on Jul 22, 2026.
OMF is expected to report earnings on Jul 29, 2026.
Industries' Descriptions
@Savings Banks (-4.77% 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.
| ALLY | OMF | ALLY / OMF | |
| Capitalization | 13.1B | 6.4B | 205% |
| EBITDA | N/A | N/A | - |
| Gain YTD | -4.242 | -14.913 | 28% |
| P/E Ratio | 10.38 | 8.25 | 126% |
| Revenue | 9.37B | 5.05B | 186% |
| Total Cash | N/A | N/A | - |
| Total Debt | 21.1B | 22.7B | 93% |
ALLY | OMF | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 30 | 72 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 24 Undervalued | 11 Undervalued | |
PROFIT vs RISK RATING 1..100 | 100 | 47 | |
SMR RATING 1..100 | 8 | 10 | |
PRICE GROWTH RATING 1..100 | 49 | 52 | |
P/E GROWTH RATING 1..100 | 99 | 77 | |
SEASONALITY SCORE 1..100 | 50 | 50 |
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.
OMF's Valuation (11) in the Finance Or Rental Or Leasing industry is in the same range as ALLY (24). This means that OMF’s stock grew similarly to ALLY’s over the last 12 months.
OMF's Profit vs Risk Rating (47) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for ALLY (100). This means that OMF’s stock grew somewhat faster than ALLY’s over the last 12 months.
ALLY's SMR Rating (8) in the Finance Or Rental Or Leasing industry is in the same range as OMF (10). This means that ALLY’s stock grew similarly to OMF’s over the last 12 months.
ALLY's Price Growth Rating (49) in the Finance Or Rental Or Leasing industry is in the same range as OMF (52). This means that ALLY’s stock grew similarly to OMF’s over the last 12 months.
OMF's P/E Growth Rating (77) in the Finance Or Rental Or Leasing industry is in the same range as ALLY (99). This means that OMF’s stock grew similarly to ALLY’s over the last 12 months.
| ALLY | OMF | |
|---|---|---|
| RSI ODDS (%) | N/A | N/A |
| Stochastic ODDS (%) | 2 days ago 74% | 2 days ago 68% |
| Momentum ODDS (%) | 2 days ago 75% | 2 days ago 75% |
| MACD ODDS (%) | 5 days ago 66% | 2 days ago 73% |
| TrendWeek ODDS (%) | 2 days ago 70% | 2 days ago 66% |
| TrendMonth ODDS (%) | 2 days ago 68% | 2 days ago 61% |
| Advances ODDS (%) | 2 days ago 66% | 2 days ago 64% |
| Declines ODDS (%) | N/A | 4 days ago 69% |
| BollingerBands ODDS (%) | 2 days ago 73% | 2 days ago 83% |
| Aroon ODDS (%) | 2 days ago 67% | 2 days ago 57% |
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OMF and
Correlation & Price change
A.I.dvisor indicates that over the last year, OMF has been closely correlated with SYF. These tickers have moved in lockstep 78% of the time. This A.I.-generated data suggests there is a high statistical probability that if OMF jumps, then SYF could also see price increases.