SYF vs. ALLY
SYF (Synchrony Financial) and ALLY (Ally Financial Inc.) are both stocks. Both operate in the Credit Services industry within the Financial Services sector. Over the past 10 years, SYF returned 14.53%/yr vs 14.26%/yr for ALLY. A 0.69 correlation means they provide meaningful diversification when combined.
Performance
SYF vs. ALLY - Performance Comparison
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Returns By Period
In the year-to-date period, SYF achieves a -8.51% return, which is significantly lower than ALLY's 2.03% return. Both investments have delivered pretty close results over the past 10 years, with SYF having a 14.53% annualized return and ALLY not far behind at 14.26%.
SYF
- 1D
- 0.60%
- 1M
- 5.40%
- YTD
- -8.51%
- 6M
- -11.09%
- 1Y
- 23.47%
- 3Y*
- 35.14%
- 5Y*
- 11.86%
- 10Y*
- 14.53%
ALLY
- 1D
- 0.18%
- 1M
- 7.60%
- YTD
- 2.03%
- 6M
- -0.44%
- 1Y
- 27.06%
- 3Y*
- 24.07%
- 5Y*
- 1.37%
- 10Y*
- 14.26%
SYF vs. ALLY - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
SYF Synchrony Financial | -8.51% | 30.64% | 74.01% | 19.76% | -27.43% | 36.40% | -0.08% | 57.48% | -37.84% | 8.35% |
ALLY Ally Financial Inc. | 2.03% | 29.92% | 6.37% | 49.22% | -46.89% | 36.04% | 20.56% | 37.94% | -20.67% | 56.05% |
Correlation
The correlation between SYF and ALLY 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 | 0.70 |
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 SYF and ALLY has been stable across timeframes, ranging from 0.69 to 0.75 - a consistent structural relationship.
Fundamentals
SYF:
$26.20B
ALLY:
$14.27B
SYF:
$9.85
ALLY:
$4.45
SYF:
7.69
ALLY:
10.23
SYF:
1.39
ALLY:
0.91
SYF:
1.72
ALLY:
1.07
SYF:
$19.92B
ALLY:
$15.65B
SYF:
$12.16B
ALLY:
$7.65B
SYF:
$4.94B
ALLY:
$2.77B
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Return for Risk
SYF vs. ALLY — Risk / Return Rank
SYF
ALLY
SYF vs. ALLY - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Synchrony Financial (SYF) and Ally Financial Inc. (ALLY). 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.
| SYF | ALLY | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.11 | ||
| Sortino ratioReturn per unit of downside risk | -0.25 | ||
| Omega ratioGain probability vs. loss probability | 1.16 | 1.18 | -0.02 |
| Calmar ratioReturn relative to maximum drawdown | 0.85 | 1.18 | -0.33 |
| Martin ratioReturn relative to average drawdown | 1.86 | 2.91 | -1.05 |
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Drawdowns
SYF vs. ALLY - Drawdown Comparison
The maximum SYF drawdown since its inception was -66.37%, roughly equal to the maximum ALLY drawdown of -66.24%. Use the drawdown chart below to compare losses from any high point for SYF and ALLY.
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Drawdown Indicators
| SYF | ALLY | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -66.37% | -66.24% | -0.13% |
Max Drawdown (1Y)Largest decline over 1 year | -27.61% | -23.04% | -4.57% |
Max Drawdown (3Y)Largest decline over 3 years | -37.75% | -31.60% | -6.15% |
Max Drawdown (5Y)Largest decline over 5 years | -46.65% | -58.08% | +11.43% |
Max Drawdown (10Y)Largest decline over 10 years | -66.37% | -66.24% | -0.13% |
Current DrawdownCurrent decline from peak | -13.73% | -4.30% | -9.43% |
Average DrawdownAverage peak-to-trough decline | -16.98% | -20.32% | +3.34% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 12.64% | 9.32% | +3.32% |
Volatility
SYF vs. ALLY - Volatility Comparison
Synchrony Financial (SYF) and Ally Financial Inc. (ALLY) have volatilities of 8.41% and 8.43%, respectively, indicating that both stocks experience similar levels of price fluctuations. This suggests that the risk associated with both stocks, as measured by volatility, is nearly the same. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| SYF | ALLY | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 8.41% | 8.43% | -0.02% |
Volatility (6M)Calculated over the trailing 6-month period | 23.58% | 22.02% | +1.56% |
Volatility (1Y)Calculated over the trailing 1-year period | 29.42% | 29.87% | -0.45% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 36.72% | 38.52% | -1.80% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 39.35% | 39.57% | -0.22% |
Dividends
SYF vs. ALLY - Dividend Comparison
SYF's dividend yield for the trailing twelve months is around 1.58%, less than ALLY's 2.63% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
ALLY Ally Financial Inc. | 2.63% | 2.65% | 3.33% | 3.44% | 4.91% | 1.85% | 2.13% | 2.23% | 2.47% | 1.37% | 0.84% |
SYF Synchrony Financial | 1.58% | 1.38% | 1.54% | 2.51% | 2.74% | 1.90% | 2.54% | 2.39% | 3.07% | 1.45% | 0.72% |
Financials
SYF vs. ALLY - Financials Comparison
This section allows you to compare key financial metrics between Synchrony Financial and Ally Financial 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
SYF vs. ALLY - Profitability Comparison
SYF - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 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 - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 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 - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Synchrony Financial reported an operating income of 914.00M and revenue of 5.60B, resulting in an operating margin of 16.3%.
ALLY - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 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 - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Synchrony Financial reported a net income of 805.00M and revenue of 5.60B, resulting in a net margin of 14.4%.
ALLY - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Ally Financial Inc. reported a net income of 319.00M and revenue of 3.89B, resulting in a net margin of 8.2%.
Frequently Asked Questions
SYF and ALLY 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.
ALLY has higher volatility (8.43%) compared to SYF (8.41%). In terms of maximum drawdown, SYF dropped -66.37% vs ALLY's -66.24%.
ALLY currently has the higher Sharpe Ratio (0.91 vs 0.80), 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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