ALLY vs. FCNCA

Last updated Apr 2, 2026

Compare and contrast key facts about Ally Financial Inc. (ALLY) and First Citizens BancShares, Inc. (FCNCA).

Performance

ALLY vs. FCNCA - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Ally Financial Inc. (ALLY) and First Citizens BancShares, Inc. (FCNCA). The values are adjusted to include any dividend payments, if applicable.

ALLY vs. FCNCA - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
ALLY Ally Financial Inc.	-11.56%	29.92%	6.37%	49.22%	-46.89%	36.04%	20.56%	37.94%	-20.67%	56.05%
FCNCA First Citizens BancShares, Inc.	-11.64%	1.99%	49.46%	87.73%	-8.35%	44.83%	8.35%	41.64%	-6.12%	13.92%

Fundamentals

Market Cap ALLY : $12.50B FCNCA : $23.42B
EPS ALLY : $2.72 FCNCA : $172.12
PE Ratio ALLY : 14.63 FCNCA : 11.01
PS Ratio ALLY : 0.95 FCNCA : 1.67
PB Ratio ALLY : 0.95 FCNCA : 1.12
Total Revenue (TTM) ALLY : $13.15B FCNCA : $14.50B
Gross Profit (TTM) ALLY : $7.31B FCNCA : $8.91B
EBITDA (TTM) ALLY : $1.97B FCNCA : $3.40B

Returns By Period

The year-to-date returns for both stocks are quite close, with ALLY having a -11.56% return and FCNCA slightly lower at -11.64%. Over the past 10 years, ALLY has underperformed FCNCA with an annualized return of 10.80%, while FCNCA has yielded a comparatively higher 22.91% annualized return.

ALLY

• 1D: 1.38%
• 1M: 0.05%
• YTD: -11.56%
• 6M: 4.16%
• 1Y: 11.92%
• 3Y*: 20.11%
• 5Y*: 0.01%
• 10Y*: 10.80%

FCNCA

• 1D: 0.52%
• 1M: -2.85%
• YTD: -11.64%
• 6M: 7.88%
• 1Y: 4.33%
• 3Y*: 25.33%
• 5Y*: 18.18%
• 10Y*: 22.91%

*Multi-year figures are annualized to reflect compound growth (CAGR)

Return for Risk

ALLY vs. FCNCA — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

ALLY

ALLY Risk / Return Rank: 51
ALLY Sharpe Ratio Rank: 53
ALLY Sortino Ratio Rank: 47
ALLY Omega Ratio Rank: 47
ALLY Calmar Ratio Rank: 54
ALLY Martin Ratio Rank: 54

FCNCA

FCNCA Risk / Return Rank: 42
FCNCA Sharpe Ratio Rank: 45
FCNCA Sortino Ratio Rank: 39
FCNCA Omega Ratio Rank: 39
FCNCA Calmar Ratio Rank: 43
FCNCA Martin Ratio Rank: 43

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

ALLY vs. FCNCA - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Ally Financial Inc. (ALLY) and First Citizens BancShares, Inc. (FCNCA). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

	ALLY	FCNCA	Difference
Sharpe ratio Return per unit of total volatility	0.36	0.13	+0.23
Sortino ratio Return per unit of downside risk	0.71	0.39	+0.32
Omega ratio Gain probability vs. loss probability	1.09	1.06	+0.04
Calmar ratio Return relative to maximum drawdown	0.55	0.11	+0.44
Martin ratio Return relative to average drawdown	1.32	0.24	+1.08
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

ALLY vs. FCNCA - Sharpe Ratio Comparison

The current ALLY Sharpe Ratio is 0.36, which is higher than the FCNCA Sharpe Ratio of 0.13. The chart below compares the historical Sharpe Ratios of ALLY and FCNCA, offering insights into how both investments have performed under varying market conditions. These values are calculated using daily returns over the previous 12 months.

Sharpe Ratios by Period

	ALLY	FCNCA	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	0.36	0.13	+0.23
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	0.00	0.44	-0.44
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	0.27	0.60	-0.33
Sharpe Ratio (All Time) Calculated using the full available price history	0.18	0.42	-0.24

Correlation

The correlation between ALLY and FCNCA is 0.54, which is considered to be moderate. This suggests that the two assets have some degree of positive relationship in their price movements. Moderate correlation can be acceptable for portfolio diversification, offering a balance between risk and potential returns.

Dividends

ALLY vs. FCNCA - Dividend Comparison

ALLY's dividend yield for the trailing twelve months is around 3.02%, more than FCNCA's 0.43% yield.

	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
ALLY Ally Financial Inc.	3.02%	2.65%	3.33%	3.44%	4.91%	1.85%	2.13%	2.23%	2.47%	1.37%	0.84%	0.00%
FCNCA First Citizens BancShares, Inc.	0.43%	0.37%	0.33%	0.27%	0.28%	0.23%	0.29%	0.30%	0.38%	0.31%	0.34%	0.46%

Drawdowns

ALLY vs. FCNCA - Drawdown Comparison

The maximum ALLY drawdown since its inception was -66.24%, roughly equal to the maximum FCNCA drawdown of -63.51%. Use the drawdown chart below to compare losses from any high point for ALLY and FCNCA.

Drawdown Indicators

	ALLY	FCNCA	Difference
Max Drawdown Largest peak-to-trough decline	-66.24%	-63.51%	-2.73%
Max Drawdown (1Y) Largest decline over 1 year	-23.04%	-24.00%	+0.96%
Max Drawdown (5Y) Largest decline over 5 years	-58.14%	-43.63%	-14.51%
Max Drawdown (10Y) Largest decline over 10 years	-66.24%	-47.48%	-18.76%
Current Drawdown Current decline from peak	-17.05%	-19.01%	+1.96%
Average Drawdown Average peak-to-trough decline	-20.52%	-13.95%	-6.57%
Ulcer Index Depth and duration of drawdowns from previous peaks	9.51%	10.74%	-1.23%

Volatility

ALLY vs. FCNCA - Volatility Comparison

Ally Financial Inc. (ALLY) has a higher volatility of 9.66% compared to First Citizens BancShares, Inc. (FCNCA) at 7.72%. This indicates that ALLY's price experiences larger fluctuations and is considered to be riskier than FCNCA based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	ALLY	FCNCA	Difference
Volatility (1M) Calculated over the trailing 1-month period	9.66%	7.72%	+1.94%
Volatility (6M) Calculated over the trailing 6-month period	22.34%	21.47%	+0.87%
Volatility (1Y) Calculated over the trailing 1-year period	33.66%	33.50%	+0.16%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	38.30%	41.86%	-3.56%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	39.51%	38.05%	+1.46%

Financials

ALLY vs. FCNCA - Profitability Comparison

The chart below illustrates the profitability comparison between Ally Financial Inc. and First Citizens BancShares, Inc. over time, highlighting three key metrics: Gross Profit Margin, Operating Margin, and Net Profit Margin.

ALLY - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Apr 2026, Ally Financial Inc. reported a gross profit of 1.89B and revenue of 1.89B. Therefore, the gross margin over that period was 100.0%.

FCNCA - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Apr 2026, First Citizens BancShares, Inc. reported a gross profit of 2.27B and revenue of 3.66B. Therefore, the gross margin over that period was 62.1%.

ALLY - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 2026, Ally Financial Inc. reported an operating income of 1.38B and revenue of 1.89B, resulting in an operating margin of 72.8%.

FCNCA - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 2026, First Citizens BancShares, Inc. reported an operating income of 811.00M and revenue of 3.66B, resulting in an operating margin of 22.2%.

ALLY - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Apr 2026, Ally Financial Inc. reported a net income of 327.00M and revenue of 1.89B, resulting in a net margin of 17.3%.

FCNCA - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Apr 2026, First Citizens BancShares, Inc. reported a net income of 580.00M and revenue of 3.66B, resulting in a net margin of 15.9%.