Ally Financial vs Capital One
Capital One is the larger business, with $53.43bn of revenue in fiscal 2025 against $7.91bn for Ally Financial (6.8 times as much). Capital One grew faster (36.6% against -3.3%). Ally Financial kept more of each dollar of sales as profit: a net margin of 10.8% against 4.6%.
| Latest fiscal year | Ally FinancialALLY, 2025 | Capital OneCOF, 2025 |
|---|---|---|
| Revenue | $7.91bn | $53.43bn |
| Revenue growth | -3.3% | 36.6% |
| Net income | $852m | $2.45bn |
| Operating margin | — | — |
| Net margin | 10.8% | 4.6% |
| Return on equity | 5.8% | 2.8% |
| Free cash flow | — | $26.14bn |
| Cash | $10.03bn | $62.09bn |
| Total debt | $21.77bn | $51.00bn |
| Debt to equity | 140.4% | — |
| Dividend per share | $1.20 | — |
| Dividend yield | 3.3% | 1.5% |
| Share buybacks | $59.0m | $4.10bn |
| Employees | 10,700 | 76,300 |
| Market value | $11.46bn | $127.66bn |
| Price vs our value range | — | — |
| Moat score | 59 (Moderate) | 37 (Weak) |
| Insider trades, 12 months | 2 buys, 4 sales | 0 buys, 67 sales |