AFRM vs ALLY
Affirm Holdings, Inc. and Ally Financial Inc., both Financial Services
Affirm Holdings, Inc. is the larger company at $25B against $14B. On trailing earnings ALLY is the cheaper of the two at a P/E of 10.3 against 69.5, a gap that is only a bargain if the two are growing at similar rates. Over the past year ALLY returned +18% against -3.2% for AFRM. Ryufin's sector-relative Smart Score puts ALLY ahead, 8/10 against 6/10.
| Figure | AFRM | ALLY |
|---|---|---|
| Last close | $76.44 | $42.54 |
| Market cap | $25B | $14B |
| Trailing P/Elower is cheaper for the same earnings, not automatically better | 69.5 | 10.3 |
| Dividend yield | n/a | 2.8% |
| 1-year return | -3.2% | +18% |
| 5-year return | +18% | -2.3% |
| Ryufin Smart Scoresector-relative, 1–10 | 6/10 | 8/10 |
Figures from SEC filings and end-of-day closes. Highlighting marks the higher or lower number, which is not the same as the better investment, a low P/E can be a warning and a high one can be deserved.
Affirm Holdings, Inc.
Revenue of $1.0B in Q3 2026, net income $103M. Its largest reported line is Merchant Network, 80% of the disclosed total.
Ally Financial Inc.
Revenue of $2.1B in Q1 2026, net income $319M. Its largest reported line is Insurance Operations, 50% of the disclosed total.
Open these two in the interactive comparison to add more names, change the period or read the correlation.