Ally Financial vs Upbound Group
Ally Financial is the larger business, with $7.91bn of revenue in fiscal 2025 against $4.70bn for Upbound Group (1.7 times as much). Upbound Group grew faster (8.7% against -3.3%). Ally Financial kept more of each dollar of sales as profit: a net margin of 10.8% against 1.6%. Ally Financial carries less debt relative to equity (140.4% against 163.4%).
| Latest fiscal year | Ally FinancialALLY, 2025 | Upbound GroupUPBD, 2025 |
|---|---|---|
| Revenue | $7.91bn | $4.70bn |
| Revenue growth | -3.3% | 8.7% |
| Net income | $852m | $73.2m |
| Operating margin | — | 4.8% |
| Net margin | 10.8% | 1.6% |
| Return on equity | 5.8% | 11.1% |
| Free cash flow | — | $239m |
| Cash | $10.03bn | $121m |
| Total debt | $21.77bn | $1.14bn |
| Debt to equity | 140.4% | 163.4% |
| Dividend per share | $1.20 | $1.56 |
| Dividend yield | 3.3% | 6.8% |
| Share buybacks | $59.0m | $0 |
| Employees | 10,700 | — |
| Market value | $11.60bn | $1.34bn |
| Price vs our value range | — | Below our value range |
| Moat score | 59 (Moderate) | 42 (Weak) |
| Insider trades, 12 months | 2 buys, 4 sales | 8 buys, 1 sales |