ALLY vs. FCNCA
ALLY (Ally Financial Inc.) and FCNCA (First Citizens BancShares, Inc.) are both stocks. Both are in the Financial Services sector — ALLY in Credit Services, FCNCA in Banks - Regional. Over the past 10 years, ALLY returned 12.48%/yr vs 24.24%/yr for FCNCA. Their 0.54 correlation means they have sometimes moved together and sometimes differently.
Performance
ALLY vs. FCNCA - Performance Comparison
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Returns By Period
In the year-to-date period, ALLY achieves a -2.31% return, which is significantly lower than FCNCA's 2.10% return. Over the past 10 years, ALLY has underperformed FCNCA with an annualized return of 12.48%, while FCNCA has yielded a comparatively higher 24.24% annualized return.
ALLY
- 1D
- 0.35%
- 1M
- -3.73%
- 6M
- 4.64%
- YTD
- -2.31%
- 1Y
- 20.40%
- 3Y*
- 16.21%
- 5Y*
- -0.06%
- 10Y*
- 12.48%
- ALL TIME*
- 7.27%
FCNCA
- 1D
- 1.41%
- 1M
- 4.98%
- 6M
- 5.88%
- YTD
- 2.10%
- 1Y
- 14.81%
- 3Y*
- 15.81%
- 5Y*
- 23.22%
- 10Y*
- 24.24%
- ALL TIME*
- 14.17%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
| $165.06M | $142.68M | $142.68M | |
| $182.93M | $178.15M | $163.71M |
ALLY vs. FCNCA - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
ALLY Ally Financial Inc. | -2.31% | 29.92% | 6.37% | 49.22% | -46.89% | 36.04% | 20.56% | 37.94% | -20.67% | 56.05% |
FCNCA First Citizens BancShares, Inc. | 2.10% | 1.99% | 49.46% | 87.73% | -8.35% | 44.83% | 8.35% | 41.64% | -6.12% | 13.92% |
Correlation
The correlation between ALLY and FCNCA is 0.54, which is moderate. They have sometimes moved together and sometimes differently, sharing some price drivers without tracking each other closely.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | 0.54 |
Correlation (3Y) Balances recent behavior with more history. | 0.50 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.55 |
Correlation (10Y) Provides a long-term view across more market conditions. | 0.58 |
Correlation (All Time) Calculated using the full available price history since Apr 10, 2014 | 0.54 |
The correlation between ALLY and FCNCA has been stable across timeframes, ranging from 0.50 to 0.58 - a consistent structural relationship.
Fundamentals
ALLY:
$13.18B
FCNCA:
$24.91B
ALLY:
$4.64
FCNCA:
$193.45
ALLY:
9.33
FCNCA:
11.30
ALLY:
0.86
FCNCA:
1.84
ALLY:
1.00
FCNCA:
1.25
ALLY:
$15.84B
FCNCA:
$14.43B
ALLY:
$7.87B
FCNCA:
$9.24B
ALLY:
$3.03B
FCNCA:
$3.48B
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Return for Risk
ALLY vs. FCNCA — Risk / Return Rank
ALLY
FCNCA
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.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| ALLY | FCNCA | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.27 | ||
| Sortino ratioReturn per unit of downside risk | +0.41 | ||
| Omega ratioGain probability vs. loss probability | 1.13 | 1.09 | +0.04 |
| Calmar ratioReturn relative to maximum drawdown | 0.82 | 0.51 | +0.30 |
| Martin ratioReturn relative to average drawdown | 2.04 | 1.13 | +0.91 |
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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.
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Drawdown Indicators
| ALLY | FCNCA | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -66.24% | -63.51% | -2.73% |
Max Drawdown (1Y)Largest decline over 1 year | -23.04% | -19.77% | -3.27% |
Max Drawdown (3Y)Largest decline over 3 years | -31.60% | -33.51% | +1.91% |
Max Drawdown (5Y)Largest decline over 5 years | -58.08% | -43.63% | -14.45% |
Max Drawdown (10Y)Largest decline over 10 years | -66.24% | -47.48% | -18.76% |
Current DrawdownCurrent decline from peak | -8.38% | -6.42% | -1.96% |
Average DrawdownAverage peak-to-trough decline | -20.18% | -13.94% | -6.24% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 9.20% | 9.05% | +0.15% |
Volatility
ALLY vs. FCNCA - Volatility Comparison
The current volatility for Ally Financial Inc. (ALLY) is 7.70%, while First Citizens BancShares, Inc. (FCNCA) has a volatility of 10.42%. This indicates that ALLY experiences smaller price fluctuations and is considered to be less risky than FCNCA based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| ALLY | FCNCA | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 7.70% | 10.42% | -2.72% |
Volatility (6M)Calculated over the trailing 6-month period | 22.43% | 20.11% | +2.32% |
Volatility (1Y)Calculated over the trailing 1-year period | 29.90% | 28.44% | +1.46% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 38.38% | 41.59% | -3.21% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 39.36% | 38.00% | +1.36% |
Dividends
ALLY vs. FCNCA - Dividend Comparison
ALLY's dividend yield for the trailing twelve months is around 3.46%, more than FCNCA's 0.38% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
ALLY Ally Financial Inc. | 2.77% | 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. | 0.38% | 0.37% | 0.33% | 0.27% | 0.28% | 0.23% | 0.29% | 0.30% | 0.38% | 0.31% | 0.34% | 0.46% |
Financials
ALLY vs. FCNCA - Financials Comparison
This section allows you to compare key financial metrics between Ally Financial Inc. and First Citizens BancShares, Inc.. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
ALLY vs. FCNCA - Profitability Comparison
ALLY - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Aug 2026, Ally Financial Inc. reported a gross profit of 2.12B and revenue of 4.07B. Therefore, the gross margin over that period was 52.2%.
FCNCA - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Aug 2026, First Citizens BancShares, Inc. reported a gross profit of 2.42B and revenue of 3.60B. Therefore, the gross margin over that period was 67.1%.
ALLY - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Aug 2026, Ally Financial Inc. reported an operating income of 537.00M and revenue of 4.07B, resulting in an operating margin of 13.2%.
FCNCA - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Aug 2026, First Citizens BancShares, Inc. reported an operating income of 891.00M and revenue of 3.60B, resulting in an operating margin of 24.7%.
ALLY - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Aug 2026, Ally Financial Inc. reported a net income of 410.00M and revenue of 4.07B, resulting in a net margin of 10.1%.
FCNCA - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Aug 2026, First Citizens BancShares, Inc. reported a net income of 672.00M and revenue of 3.60B, resulting in a net margin of 18.7%.
Frequently Asked Questions
ALLY and FCNCA have a correlation of 0.54, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
FCNCA has higher volatility (10.42%) compared to ALLY (7.70%). In terms of maximum drawdown, ALLY dropped -66.24% vs FCNCA's -63.51%.
ALLY currently has the higher Sharpe Ratio (0.63 vs 0.36), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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