Ally Financial vs SoFi Technologies
Ally Financial is the larger business, with $7.91bn of revenue in fiscal 2025 against $3.61bn for SoFi Technologies (2.2 times as much). SoFi Technologies grew faster (35.1% against -3.3%). SoFi Technologies kept more of each dollar of sales as profit: a net margin of 13.3% against 10.8%.
| Latest fiscal year | Ally FinancialALLY, 2025 | SoFi TechnologiesSOFI, 2025 |
|---|---|---|
| Revenue | $7.91bn | $3.61bn |
| Revenue growth | -3.3% | 35.1% |
| Net income | $852m | $481m |
| Operating margin | — | — |
| Net margin | 10.8% | 13.3% |
| Return on equity | 5.8% | 5.7% |
| Free cash flow | — | −$3.98bn |
| Cash | $10.03bn | $4.93bn |
| Total debt | $21.77bn | $1.83bn |
| Debt to equity | 140.4% | — |
| Dividend per share | $1.20 | — |
| Dividend yield | 3.3% | — |
| Share buybacks | $59.0m | — |
| Employees | 10,700 | 6,100 |
| Market value | $11.46bn | $21.61bn |
| Price vs our value range | — | — |
| Moat score | 59 (Moderate) | 32 (Weak) |
| Insider trades, 12 months | 2 buys, 4 sales | 7 buys, 19 sales |