ALLY vs PYPL: Ally Financial and PayPal compared
The short version
From the latest prices and each company's SEC filings. Who's ahead on each measure, not which to buy.
- PayPal is the larger company, worth $47.5B, about 4.1 times Ally Financial.
- Ally Financial grew revenue faster over the last year (+9.8% vs +7.2%).
- On earnings, Ally Financial is the cheaper stock (9.2x vs 10.1x).
Side by side
The stronger figure is shaded where higher (or, for valuation multiples, lower) reads as better. How the implied growth works.
| Measure | ALLY | PYPL |
|---|---|---|
| Market cap | $11.6B | $47.5B |
| Share price | $37.59 | $55.53 |
| Revenue (last fiscal year) | $7.9B | $33.2B |
| Free cash flow (last fiscal year) | — | $5.6B |
| Revenue growth, last year | +9.8% | +7.2% |
| Revenue growth per year, last 5 fiscal years | -0.9% | +6.9% |
| Operating margin | — | 17.9% |
| Net margin | 16.8% | 15.0% |
| Return on equity | 9.4% | 25.3% |
| P/E (trailing) | 9.22x | 10.1x |
| Price / free cash flow | — | 8.53x |
| EV / EBITDA | 7.88x | 5.17x |
| FCF growth the price implies | — | -6.3% |
| Dividend yield | 3.2% | 0.77% |
| Debt / equity | 11.9x | 3.02x |
| Fundamental grade | C | C |
| Superinvestors holding it | 6 | 0 |
| Insider purchases, last 12 months | 6 | 10 |
Results from SEC filings
Revenue and free cash flow by fiscal year, from each company's 10-K filings.
Ally Financial
| Year | Revenue | Free cash flow | Op. margin |
|---|---|---|---|
| 2021 | $8.2B | $4.0B | — |
| 2022 | $8.4B | — | — |
| 2023 | $8.2B | — | — |
| 2024 | $8.2B | — | — |
| 2025 | $7.9B | — | — |
PayPal
| Year | Revenue | Free cash flow | Op. margin |
|---|---|---|---|
| 2021 | $25.4B | $4.9B | 16.8% |
| 2022 | $27.5B | $5.1B | 13.9% |
| 2023 | $29.8B | $4.2B | 16.9% |
| 2024 | $31.8B | $6.8B | 16.7% |
| 2025 | $33.2B | $5.6B | 18.3% |
Where the revenue comes from
Ally Financial · by segments, 2025
Automotive Finance operations$5.6B71%
Insurance operations$1.7B22%
Corporate Finance operations$538M7%
PayPal · by products, 2025
Transaction revenues$29.8B90%
Revenues from other value added services$3.4B10%
Compare them in fullFifteen years of statements, quarterly results, DCF and IRR models, and any number of peers side by side.
Open ALLY in InvestinglyQuestions
Which is bigger, Ally Financial or PayPal?
PayPal (PYPL), at $47.5B against $11.6B.
Is ALLY or PYPL cheaper?
By trailing P/E, Ally Financial (9.22x) is cheaper than PayPal (10.1x). A lower multiple can also mean the market expects less growth.
Which grows faster, ALLY or PYPL?
Ally Financial: revenue grew +9.8% over the last year, against +7.2%.
Prices and ratios as of the last daily update; statements from SEC filings. Information only, not investment advice.