Ally Financial vs American Express
American Express is the larger business, with $72.23bn of revenue in fiscal 2025 against $7.91bn for Ally Financial (9.1 times as much). American Express grew faster (9.5% against -3.3%). American Express kept more of each dollar of sales as profit: a net margin of 15.0% against 10.8%.
| Latest fiscal year | Ally FinancialALLY, 2025 | American ExpressAXP, 2025 |
|---|---|---|
| Revenue | $7.91bn | $72.23bn |
| Revenue growth | -3.3% | 9.5% |
| Net income | $852m | $10.83bn |
| Operating margin | — | — |
| Net margin | 10.8% | 15.0% |
| Return on equity | 5.8% | 34.0% |
| Free cash flow | — | $16.00bn |
| Cash | $10.03bn | $47.79bn |
| Total debt | $21.77bn | $57.76bn |
| Debt to equity | 140.4% | — |
| Dividend per share | $1.20 | $3.28 |
| Dividend yield | 3.3% | 1.1% |
| Share buybacks | $59.0m | $5.81bn |
| Employees | 10,700 | 76,800 |
| Market value | $11.46bn | $218.01bn |
| Price vs our value range | — | — |
| Moat score | 59 (Moderate) | 64 (Moderate) |
| Insider trades, 12 months | 2 buys, 4 sales | 0 buys, 16 sales |