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ALLY vs SYF
Which Stock Would AI Choose? Ally Financial (ALLY) vs. Synchrony Financial (SYF) Stock Comparison
Key Takeaways
- Both ALLY and SYF delivered strong Q1 2026 earnings beats, boosting shares amid improving credit trends and cost controls.
- SYF has outperformed over the past year with gains around 60%, compared to ALLY's approximately 40% rise.
- In recent weeks, ALLY showed stronger momentum, up over 14% in the past month versus SYF's 3% gain.
- SYF trades at a lower P/E ratio (around 8x) than ALLY (about 12x), suggesting better value.
- Dividend yields are comparable at roughly 2.6% for both stocks, appealing to income-focused investors.
- Tickeron's AI leans toward SYF for its consistent long-term growth and attractive valuation in the current environment.
Introduction
Ally Financial (ALLY) and Synchrony Financial (SYF) operate in the competitive consumer finance sector, offering lending and digital banking services sensitive to interest rates and economic cycles. This stock comparison analyzes their recent performance, business models, and market positioning, helping traders assess relative momentum and investors evaluate value amid shifting sentiment. With both reporting robust Q1 results, the analysis highlights contrasts in growth drivers and risk profiles for those navigating financial services opportunities.
ALLY Overview and Recent Performance
Ally Financial (ALLY) is a leading digital financial services company, providing auto financing, personal loans, deposits, and investment products through its online platform. In recent market activity, ALLY shares have rebounded strongly, gaining over 14% in the past month following a Q1 2026 earnings beat with adjusted EPS of $1.11 and revenue up amid falling costs. Sentiment has improved on solid loan growth, better credit quality (lower NCO, or net charge-offs), and robust net interest income (NII). Broader recovery from prior pressures has driven shares higher, with analysts targeting around $52.
SYF Overview and Recent Performance
Synchrony Financial (SYF) specializes in consumer financing, primarily through private-label credit cards and partnerships with retailers. Recent performance reflects resilience, with Q1 2026 profit reaching $805 million and EPS aligning with expectations, supporting modest gains of about 3% over the past month. Positive factors include steady purchase volume growth and controlled expenses, though shares have moderated after strong yearly advances. Investor sentiment benefits from high return on tangible common equity (ROTCE) and a solid Common Equity Tier 1 (CET1) capital ratio, positioning SYF well in a normalizing credit environment.
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Head-to-Head Comparison
ALLY emphasizes diversified digital banking with strong deposit growth, contrasting SYF's focus on retail credit card partnerships driving purchase volumes. Growth drivers differ: ALLY benefits from auto lending recovery, while SYF leverages merchant ties for fee income. Recent momentum favors ALLY, but SYF shows superior yearly returns and lower valuation multiples. Risk factors include shared credit exposure (NCO trends improving for both), though SYF's concentrated portfolio adds volatility. Sector-wise, both gain from rate stability, but sentiment tilts toward SYF for profitability metrics like ROTCE.
Tickeron AI Verdict
Tickeron's AI currently favors SYF due to its stronger trend consistency over the past year, attractive P/E positioning, and robust Q1 profitability amid favorable sector catalysts. While ALLY exhibits short-term upside, SYF's relative stability and growth trajectory suggest higher probability of outperformance in the near term.
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 Buy and SYF is a Buy.
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 whileSYF’s FA Score has 1 green FA rating(s).
- ALLY’s FA Score: 2 green, 3 red.
- SYF’s FA Score: 1 green, 4 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 6 TA indicator(s) are bullish while SYF’s TA Score has 5 bullish TA indicator(s).
- ALLY’s TA Score: 6 bullish, 3 bearish.
- SYF’s TA Score: 5 bullish, 4 bearish.
Price Growth
ALLY (@Savings Banks) experienced а +0.29% price change this week, while SYF (@Savings Banks) price change was +1.47% for the same time period.
The average weekly price growth across all stocks in the @Savings Banks industry was -0.12%. For the same industry, the average monthly price growth was +3.49%, and the average quarterly price growth was -4.00%.
Reported Earning Dates
ALLY is expected to report earnings on Jul 21, 2026.
SYF is expected to report earnings on Jul 21, 2026.
Industries' Descriptions
@Savings Banks (-0.12% 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 | SYF | ALLY / SYF | |
| Capitalization | 14B | 25.5B | 55% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 2.027 | -8.514 | -24% |
| P/E Ratio | 11.06 | 7.84 | 141% |
| Revenue | 9.37B | 15B | 62% |
| Total Cash | N/A | N/A | - |
| Total Debt | 21.1B | 16.4B | 129% |
ALLY | SYF | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 24 | 24 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 24 Undervalued | 59 Fair valued | |
PROFIT vs RISK RATING 1..100 | 98 | 38 | |
SMR RATING 1..100 | 8 | 5 | |
PRICE GROWTH RATING 1..100 | 45 | 48 | |
P/E GROWTH RATING 1..100 | 99 | 60 | |
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.
ALLY's Valuation (24) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for SYF (59). This means that ALLY’s stock grew somewhat faster than SYF’s over the last 12 months.
SYF's Profit vs Risk Rating (38) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for ALLY (98). This means that SYF’s stock grew somewhat faster than ALLY’s over the last 12 months.
SYF's SMR Rating (5) in the Finance Or Rental Or Leasing industry is in the same range as ALLY (8). This means that SYF’s stock grew similarly to ALLY’s over the last 12 months.
ALLY's Price Growth Rating (45) in the Finance Or Rental Or Leasing industry is in the same range as SYF (48). This means that ALLY’s stock grew similarly to SYF’s over the last 12 months.
SYF's P/E Growth Rating (60) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for ALLY (99). This means that SYF’s stock grew somewhat faster than ALLY’s over the last 12 months.
| ALLY | SYF | |
|---|---|---|
| RSI ODDS (%) | N/A | N/A |
| Stochastic ODDS (%) | 2 days ago 74% | 2 days ago 58% |
| Momentum ODDS (%) | 2 days ago 76% | 2 days ago 76% |
| MACD ODDS (%) | 2 days ago 67% | 2 days ago 68% |
| TrendWeek ODDS (%) | 2 days ago 68% | 2 days ago 68% |
| TrendMonth ODDS (%) | 2 days ago 65% | 2 days ago 66% |
| Advances ODDS (%) | 8 days ago 65% | 2 days ago 63% |
| Declines ODDS (%) | 6 days ago 68% | 23 days ago 67% |
| BollingerBands ODDS (%) | 2 days ago 85% | 2 days ago 63% |
| Aroon ODDS (%) | 2 days ago 54% | 2 days ago 68% |
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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 77% 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.
| Ticker / NAME | Correlation To ALLY | 1D Price Change % | ||
|---|---|---|---|---|
| ALLY | 100% | +0.18% | ||
| SYF - ALLY | 77% Closely correlated | +0.60% | ||
| OMF - ALLY | 75% Closely correlated | +0.09% | ||
| COF - ALLY | 74% Closely correlated | -0.41% | ||
| AXP - ALLY | 72% Closely correlated | +0.02% | ||
| BFH - ALLY | 68% Closely correlated | +1.24% | ||
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SYF and
Correlation & Price change
A.I.dvisor indicates that over the last year, SYF has been closely correlated with COF. These tickers have moved in lockstep 83% of the time. This A.I.-generated data suggests there is a high statistical probability that if SYF jumps, then COF could also see price increases.