ALLY vs. SYF
ALLY (Ally Financial Inc.) and SYF (Synchrony Financial) are both stocks. Both operate in the Credit Services industry within the Financial Services sector. Over the past 10 years, ALLY returned 13.15%/yr vs 12.64%/yr for SYF. A 0.69 correlation means they provide meaningful diversification when combined.
Performance
ALLY vs. SYF - Performance Comparison
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Returns By Period
In the year-to-date period, ALLY achieves a 1.02% return, which is significantly higher than SYF's -11.54% return. Both investments have delivered pretty close results over the past 10 years, with ALLY having a 13.15% annualized return and SYF not far behind at 12.64%.
ALLY
- 1D
- -1.03%
- 1M
- 1.69%
- 6M
- 3.11%
- YTD
- 1.02%
- 1Y
- 14.92%
- 3Y*
- 21.96%
- 5Y*
- 0.80%
- 10Y*
- 13.15%
SYF
- 1D
- 1.06%
- 1M
- -0.20%
- 6M
- -7.31%
- YTD
- -11.54%
- 1Y
- 5.41%
- 3Y*
- 30.77%
- 5Y*
- 11.49%
- 10Y*
- 12.64%
ALLY vs. SYF - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
ALLY Ally Financial Inc. | 1.02% | 29.92% | 6.37% | 49.22% | -46.89% | 36.04% | 20.56% | 37.94% | -20.67% | 56.05% |
SYF Synchrony Financial | -11.54% | 30.64% | 74.01% | 19.76% | -27.43% | 36.40% | -0.08% | 57.48% | -37.84% | 8.35% |
Correlation
The correlation between ALLY and SYF is 0.75, which is moderate. They share some common price drivers but move independently often enough to provide real diversification benefit when combined.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.75 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.69 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.75 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.73 |
Correlation (All Time) Calculated using the full available price history since Jul 31, 2014 | 0.69 |
The correlation between ALLY and SYF has been stable across timeframes, ranging from 0.69 to 0.75 - a consistent structural relationship.
Fundamentals
ALLY:
$13.83B
SYF:
$24.63B
ALLY:
$4.45
SYF:
$9.97
ALLY:
10.14
SYF:
7.34
ALLY:
0.90
SYF:
1.33
ALLY:
1.06
SYF:
1.66
ALLY:
$15.65B
SYF:
$19.92B
ALLY:
$7.65B
SYF:
$12.16B
ALLY:
$2.77B
SYF:
$4.94B
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Return for Risk
ALLY vs. SYF — Risk / Return Rank
ALLY
SYF
ALLY vs. SYF - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Ally Financial Inc. (ALLY) and Synchrony Financial (SYF). 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 | SYF | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.33 | ||
| Sortino ratioReturn per unit of downside risk | +0.48 | ||
| Omega ratioGain probability vs. loss probability | 1.11 | 1.06 | +0.05 |
| Calmar ratioReturn relative to maximum drawdown | 0.65 | 0.20 | +0.45 |
| Martin ratioReturn relative to average drawdown | 1.61 | 0.41 | +1.20 |
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Drawdowns
ALLY vs. SYF - Drawdown Comparison
The maximum ALLY drawdown since its inception was -66.24%, roughly equal to the maximum SYF drawdown of -66.37%. Use the drawdown chart below to compare losses from any high point for ALLY and SYF.
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Drawdown Indicators
| ALLY | SYF | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -66.24% | -66.37% | +0.13% |
Max Drawdown (1Y)Largest decline over 1 year | -23.04% | -27.61% | +4.57% |
Max Drawdown (3Y)Largest decline over 3 years | -31.60% | -37.75% | +6.15% |
Max Drawdown (5Y)Largest decline over 5 years | -58.08% | -46.65% | -11.43% |
Max Drawdown (10Y)Largest decline over 10 years | -66.24% | -66.37% | +0.13% |
Current DrawdownCurrent decline from peak | -5.25% | -16.57% | +11.32% |
Average DrawdownAverage peak-to-trough decline | -20.25% | -16.97% | -3.28% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 9.26% | 13.10% | -3.84% |
Volatility
ALLY vs. SYF - Volatility Comparison
The current volatility for Ally Financial Inc. (ALLY) is 7.60%, while Synchrony Financial (SYF) has a volatility of 13.71%. This indicates that ALLY experiences smaller price fluctuations and is considered to be less risky than SYF based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| ALLY | SYF | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 7.60% | 13.71% | -6.11% |
Volatility (6M)Calculated over the trailing 6-month period | 22.41% | 26.24% | -3.83% |
Volatility (1Y)Calculated over the trailing 1-year period | 29.99% | 31.45% | -1.46% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 38.49% | 36.97% | +1.52% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 39.34% | 39.39% | -0.05% |
Dividends
ALLY vs. SYF - Dividend Comparison
ALLY's dividend yield for the trailing twelve months is around 2.66%, more than SYF's 1.64% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
ALLY Ally Financial Inc. | 2.66% | 2.65% | 3.33% | 3.44% | 4.91% | 1.85% | 2.13% | 2.23% | 2.47% | 1.37% | 0.84% |
SYF Synchrony Financial | 1.64% | 1.38% | 1.54% | 2.51% | 2.74% | 1.90% | 2.54% | 2.39% | 3.07% | 1.45% | 0.72% |
Financials
ALLY vs. SYF - Financials Comparison
This section allows you to compare key financial metrics between Ally Financial Inc. and Synchrony Financial. 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. SYF - Profitability Comparison
ALLY - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jul 2026, Ally Financial Inc. reported a gross profit of 1.90B and revenue of 3.89B. Therefore, the gross margin over that period was 49.0%.
SYF - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jul 2026, Synchrony Financial reported a gross profit of 4.64B and revenue of 5.60B. Therefore, the gross margin over that period was 82.7%.
ALLY - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jul 2026, Ally Financial Inc. reported an operating income of 400.00M and revenue of 3.89B, resulting in an operating margin of 10.3%.
SYF - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jul 2026, Synchrony Financial reported an operating income of 914.00M and revenue of 5.60B, resulting in an operating margin of 16.3%.
ALLY - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jul 2026, Ally Financial Inc. reported a net income of 319.00M and revenue of 3.89B, resulting in a net margin of 8.2%.
SYF - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jul 2026, Synchrony Financial reported a net income of 805.00M and revenue of 5.60B, resulting in a net margin of 14.4%.
Frequently Asked Questions
ALLY and SYF have a correlation of 0.75, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
SYF has higher volatility (13.71%) compared to ALLY (7.60%). In terms of maximum drawdown, ALLY dropped -66.24% vs SYF's -66.37%.
ALLY currently has the higher Sharpe Ratio (0.50 vs 0.17), 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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