ALLY
Price
$44.22
Change
+$0.35 (+0.80%)
Updated
Jan 15, 11:09 AM (EDT)
Capitalization
13.51B
6 days until earnings call
Intraday BUY SELL Signals
UPST
Price
$46.45
Change
-$0.65 (-1.38%)
Updated
Jan 14 closing price
Capitalization
4.52B
26 days until earnings call
Intraday BUY SELL Signals
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ALLY vs UPST

Header iconALLY vs UPST Comparison
Open Charts ALLY vs UPSTBanner chart's image
Ally Financial
Price$44.22
Change+$0.35 (+0.80%)
Volume$852
Capitalization13.51B
Upstart Holdings
Price$46.45
Change-$0.65 (-1.38%)
Volume$2.74M
Capitalization4.52B
ALLY vs UPST Comparison Chart in %
ALLY
Daily Signal:
Gain/Loss:
UPST
Daily Signal:
Gain/Loss:
View a ticker or compare two or three
VS
ALLY vs. UPST commentary
Jan 15, 2026

To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is ALLY is a Hold and UPST is a Hold.

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COMPARISON
Comparison
Jan 15, 2026
Stock price -- (ALLY: $43.87 vs. UPST: $46.45)
Brand notoriety: ALLY and UPST are both not notable
Both companies represent the Savings Banks industry
Current volume relative to the 65-day Moving Average: ALLY: 99% vs. UPST: 56%
Market capitalization -- ALLY: $13.51B vs. UPST: $4.52B
ALLY [@Savings Banks] is valued at $13.51B. UPST’s [@Savings Banks] market capitalization is $4.52B. The market cap for tickers in the [@Savings Banks] industry ranges from $634.65B to $0. The average market capitalization across the [@Savings Banks] industry is $21.95B.

Long-Term Analysis

It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).

ALLY’s FA Score shows that 2 FA rating(s) are green whileUPST’s FA Score has 0 green FA rating(s).

  • ALLY’s FA Score: 2 green, 3 red.
  • UPST’s FA Score: 0 green, 5 red.
According to our system of comparison, ALLY is a better buy in the long-term than UPST.

Short-Term Analysis

It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.

If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.

ALLY’s TA Score shows that 4 TA indicator(s) are bullish while UPST’s TA Score has 5 bullish TA indicator(s).

  • ALLY’s TA Score: 4 bullish, 4 bearish.
  • UPST’s TA Score: 5 bullish, 4 bearish.
According to our system of comparison, UPST is a better buy in the short-term than ALLY.

Price Growth

ALLY (@Savings Banks) experienced а -5.76% price change this week, while UPST (@Savings Banks) price change was -7.69% for the same time period.

The average weekly price growth across all stocks in the @Savings Banks industry was -1.13%. For the same industry, the average monthly price growth was -0.86%, and the average quarterly price growth was +1.72%.

Reported Earning Dates

ALLY is expected to report earnings on Jan 21, 2026.

UPST is expected to report earnings on Feb 10, 2026.

Industries' Descriptions

@Savings Banks (-1.13% weekly)

A savings bank primary function is to take deposits and paying interest on those deposits. Originating in Europe during the 18th century, these banks were generally introduced to incentivize people of all stripes to save money and park them with banks. By the 1990s, the internet ushered in online savings banks that allowed savers to deposit/transact with banks digitally, without requiring to visit a branch office. Savings banks have potentially encouraged lower-income population to save and have access to a financial institution to earn interest on their money. New York Community Bancorp, Inc, Webster Financial Corporation, Washington Federal, Inc. are examples of savings banks.

SUMMARIES
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FUNDAMENTALS
Fundamentals
ALLY($13.5B) has a higher market cap than UPST($4.52B). UPST has higher P/E ratio than ALLY: UPST (178.65) vs ALLY (26.27). UPST YTD gains are higher at: 6.220 vs. ALLY (-3.135). UPST has less debt than ALLY: UPST (1.9B) vs ALLY (20.2B). ALLY has higher revenues than UPST: ALLY (8.65B) vs UPST (959M).
ALLYUPSTALLY / UPST
Capitalization13.5B4.52B299%
EBITDAN/AN/A-
Gain YTD-3.1356.220-50%
P/E Ratio26.27178.6515%
Revenue8.65B959M902%
Total CashN/AN/A-
Total Debt20.2B1.9B1,065%
FUNDAMENTALS RATINGS
ALLY: Fundamental Ratings
ALLY
OUTLOOK RATING
1..100
69
VALUATION
overvalued / fair valued / undervalued
1..100
84
Overvalued
PROFIT vs RISK RATING
1..100
66
SMR RATING
1..100
6
PRICE GROWTH RATING
1..100
49
P/E GROWTH RATING
1..100
10
SEASONALITY SCORE
1..100
75

Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.

TECHNICAL ANALYSIS
Technical Analysis
ALLYUPST
RSI
ODDS (%)
Bearish Trend 1 day ago
72%
N/A
Stochastic
ODDS (%)
Bullish Trend 1 day ago
82%
Bearish Trend 1 day ago
87%
Momentum
ODDS (%)
Bearish Trend 1 day ago
73%
Bullish Trend 1 day ago
83%
MACD
ODDS (%)
Bearish Trend 1 day ago
68%
Bearish Trend 1 day ago
86%
TrendWeek
ODDS (%)
Bearish Trend 1 day ago
68%
Bearish Trend 1 day ago
89%
TrendMonth
ODDS (%)
Bearish Trend 1 day ago
68%
Bearish Trend 1 day ago
88%
Advances
ODDS (%)
Bullish Trend 11 days ago
70%
Bullish Trend 11 days ago
88%
Declines
ODDS (%)
Bearish Trend 3 days ago
67%
Bearish Trend 4 days ago
90%
BollingerBands
ODDS (%)
Bullish Trend 1 day ago
81%
Bearish Trend 1 day ago
86%
Aroon
ODDS (%)
Bullish Trend 1 day ago
65%
Bullish Trend 1 day ago
87%
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ALLY
Daily Signal:
Gain/Loss:
UPST
Daily Signal:
Gain/Loss:
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ALLY and

Correlation & Price change

A.I.dvisor indicates that over the last year, ALLY has been closely correlated with OMF. These tickers have moved in lockstep 81% of the time. This A.I.-generated data suggests there is a high statistical probability that if ALLY jumps, then OMF could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To ALLY
1D Price
Change %
ALLY100%
+0.30%
OMF - ALLY
81%
Closely correlated
-0.41%
AXP - ALLY
80%
Closely correlated
+0.07%
SYF - ALLY
79%
Closely correlated
-0.31%
COF - ALLY
76%
Closely correlated
+1.30%
BFH - ALLY
74%
Closely correlated
-1.13%
More

UPST and

Correlation & Price change

A.I.dvisor indicates that over the last year, UPST has been loosely correlated with OMF. These tickers have moved in lockstep 61% of the time. This A.I.-generated data suggests there is some statistical probability that if UPST jumps, then OMF could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To UPST
1D Price
Change %
UPST100%
-1.38%
OMF - UPST
61%
Loosely correlated
-0.41%
SYF - UPST
61%
Loosely correlated
-0.31%
SOFI - UPST
61%
Loosely correlated
-1.73%
ALLY - UPST
59%
Loosely correlated
+0.30%
COF - UPST
57%
Loosely correlated
+1.30%
More