Ally Financial [ALLY] vs PayPal Holdings [PYPL] Detailed Stock Comparison

Ally Financial Inc.

NYSE
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PayPal Holdings Inc.

NASDAQ
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TLDR: Quick Comparison Summary

Based on 21 vital metrics comparison: Ally Financial Inc. wins in 10 metrics, PayPal Holdings Inc. wins in 9 metrics, with 0 ties. Ally Financial Inc. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Ally Financial Inc. PayPal Holdings Inc. Better
P/E Ratio (TTM) 19.28 9.27 PayPal Holdings Inc.
Price-to-Book Ratio 1.06 2.28 Ally Financial Inc.
Debt-to-Equity Ratio 1.39 60.70 Ally Financial Inc.
PEG Ratio 0.07 0.25 Ally Financial Inc.
EV/EBITDA N/A 7.17 N/A
Profit Margin (TTM) 18.16% 15.78% Ally Financial Inc.
Operating Margin (TTM) 21.02% 17.49% Ally Financial Inc.
EBITDA Margin (TTM) 21.02% 17.49% Ally Financial Inc.
Return on Equity 9.36% 25.73% PayPal Holdings Inc.
Return on Assets (TTM) 0.72% 4.88% PayPal Holdings Inc.
Free Cash Flow (TTM) $-546.00M $5.56B PayPal Holdings Inc.
Dividend Yield 2.85% 0.68% Ally Financial Inc.
1-Year Return 22.31% -36.33% Ally Financial Inc.
Price-to-Sales Ratio (TTM) 1.83 1.36 PayPal Holdings Inc.
Enterprise Value $28.33B $47.68B PayPal Holdings Inc.
EV/Revenue Ratio 3.69 1.44 PayPal Holdings Inc.
Gross Profit Margin (TTM) N/A 46.50% N/A
Revenue per Share (TTM) $25 $35 PayPal Holdings Inc.
Earnings per Share (Diluted) $2.37 $5.41 PayPal Holdings Inc.
Beta (Stock Volatility) 1.12 1.41 Ally Financial Inc.
Short % of Float 3.56% 5.69% Ally Financial Inc.

Ally Financial Inc. vs PayPal Holdings Inc. Stock Performance Analysis

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ALLY
PYPL

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Ally Financial Inc.-2.94%-4.68%-4.88%2.63%-1.99%-10.56%
PayPal Holdings Inc.-4.31%-2.63%-15.44%-8.13%-30.42%-26.71%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Ally Financial Inc.22.31%51.70%-22.57%142.00%66.90%66.90%
PayPal Holdings Inc.-36.33%-30.03%-82.99%16.75%29.00%29.00%

Performance & Financial Health Analysis: Ally Financial Inc. vs PayPal Holdings Inc.

MetricALLYPYPL
Market Information
Market Cap i$13.86B$45.42B
Market Cap CategoryLarge capLarge cap
10 Day Avg. Volume i3,958,23711,850,881
90 Day Avg. Volume i3,776,38615,069,050
Last Close$40.93$42.61
52 Week Range$34.71 - $47.27$38.46 - $79.50
% from 52W High-13.41%-46.40%
All-Time High$56.61 (May 31, 2021)$310.16 (Jul 26, 2021)
% from All-Time High-27.70%-86.26%
Growth Metrics
Quarterly Revenue Growth0.20%0.04%
Quarterly Earnings Growth0.05%0.28%
Financial Health
Profit Margin (TTM) i0.18%0.16%
Operating Margin (TTM) i0.21%0.17%
Return on Equity (TTM) i0.09%0.26%
Debt to Equity (MRQ) i1.3960.70
Cash & Liquidity
Book Value per Share (MRQ)$43.22$22.02
Cash per Share (MRQ)$30.96$11.32
Operating Cash Flow (TTM) i$2.09B$6.42B
Levered Free Cash Flow (TTM) i$742.00M$3.27B
Dividends
Last 12-Month Dividend Yield i2.85%0.68%
Last 12-Month Dividend i$1.20$0.28

Valuation & Enterprise Metrics Analysis: Ally Financial Inc. vs PayPal Holdings Inc.

MetricALLY (Apr 24, 2026)PYPL (Apr 26, 2026)
Price Ratios
P/E Ratio (TTM) i19.289.27
Forward P/E i7.078.65
PEG Ratio i0.070.25
Price to Sales (TTM) i1.831.36
Price to Book (MRQ) i1.062.28
Market Capitalization
Market Capitalization i$13.86B$45.42B
Enterprise Value i$28.33B$47.68B
Enterprise Value Metrics
Enterprise to Revenue i3.691.44
Enterprise to EBITDA iN/A7.17
Risk & Other Metrics
Beta i1.121.41
Book Value per Share (MRQ) i$43.22$22.02

Financial Statements Comparison: Ally Financial Inc. vs PayPal Holdings Inc.

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricALLY (2025)PYPL (2025)
Revenue/Sales i8.77B33.17B
Cost of Goods Sold iN/A17.71B
COGS % of Revenue i0.0%53.4%
Gross Profit iN/A15.47B
Gross Margin i0.0%46.6%
Research & Development iN/A3.10B
Operating Income (EBIT) iN/A6.40B
Operating Margin i0.0%19.3%
EBITDA iN/A7.87B
EBITDA Margin i0.0%23.7%
Pre-Tax Income i1.05B6.29B
Pre-Tax Income % of Revenue i12.0%19.0%
Income Tax i199.00M1.06B
Income Tax % of Revenue i2.3%3.2%
Net Income (Profit) i852.00M5.23B
Profit Margin i9.7%15.8%

Balance Sheet & Liquidity Metrics

MetricALLY (2025)PYPL (2025)
Cash & Equivalents i10.03B8.05B
Total Current Assets iN/A59.76B
Total Current Assets % of Revenue i0.0%180.1%
Total Current Liabilities iN/A46.44B
Total Current Liabilities % of Revenue i0.0%140.0%
Long-Term Debt i17.19B9.99B
Long-Term Debt % of Revenue i196.1%30.1%
Total Shareholders Equity i15.50B20.26B
Retained Earnings i633.00M32.47B
Retained Earnings % of Revenue i7.2%97.9%
Property, Plant & Equipment i12.55B0

Cash Flow Statement Comparison

MetricALLY (2025)PYPL (2025)
Operating Cash Flow i2.09B6.66B
Operating Cash Flow % of Revenue i23.8%20.1%
Capital Expenditures i-1.69B-849.00M
Free Cash Flow i-546.00M5.56B
FCF Margin i-6.2%16.8%
Debt Repayment i-5.18B-5.10B
Common Stock Repurchase i-59.00M-6.05B

Short Interest & Institutional Ownership Analysis

MetricALLYPYPL
Shares Short i10.90M45.98M
Short Ratio i2.782.55
Short % of Float i3.56%5.69%
Shares Outstanding i308.49M920.00M
Float Shares i275.73M918.58M
% Held by Insiders i10.19%0.66%
% Held by Institutions i85.39%84.06%
% Held by Public i4.42%15.28%

Dividend Analysis & Yield Comparison: Ally Financial Inc. vs PayPal Holdings Inc.

MetricALLYPYPL
Last 12-Month Dividend i$1.20$0.28
Last 12-Month Dividend Yield i2.85%0.68%
3-Year Avg Annual Dividend i$1.20$0.09
3-Year Avg Dividend Yield i0.87%0.29%
3-Year Total Dividends i$3.60$0.28
Ex-Dividend DateFeb 02, 2026Mar 04, 2026