ALLY
Price
$40.84
Change
-$1.13 (-2.69%)
Updated
Sep 25, 04:59 PM (EDT)
Capitalization
12.92B
22 days until earnings call
UPST
Price
$56.91
Change
-$3.70 (-6.10%)
Updated
Sep 25, 04:59 PM (EDT)
Capitalization
5.83B
47 days until earnings call
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ALLY vs UPST

Header iconALLY vs UPST Comparison
Open Charts ALLY vs UPSTBanner chart's image
Ally Financial
Price$40.84
Change-$1.13 (-2.69%)
Volume$35.89K
Capitalization12.92B
Upstart Holdings
Price$56.91
Change-$3.70 (-6.10%)
Volume$88.84K
Capitalization5.83B
ALLY vs UPST Comparison Chart in %
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ALLY
Daily Signalchanged days ago
Gain/Loss if bought
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UPST
Daily Signalchanged days ago
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ALLY vs. UPST commentary
Sep 26, 2025

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
Sep 26, 2025
Stock price -- (ALLY: $41.97 vs. UPST: $60.61)
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: 137% vs. UPST: 90%
Market capitalization -- ALLY: $12.92B vs. UPST: $5.83B
ALLY [@Savings Banks] is valued at $12.92B. UPST’s [@Savings Banks] market capitalization is $5.83B. The market cap for tickers in the [@Savings Banks] industry ranges from $657.36B to $0. The average market capitalization across the [@Savings Banks] industry is $22.01B.

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 2 bullish TA indicator(s).

  • ALLY’s TA Score: 4 bullish, 5 bearish.
  • UPST’s TA Score: 2 bullish, 6 bearish.
According to our system of comparison, ALLY is a better buy in the short-term than UPST.

Price Growth

ALLY (@Savings Banks) experienced а -4.51% price change this week, while UPST (@Savings Banks) price change was -11.02% for the same time period.

The average weekly price growth across all stocks in the @Savings Banks industry was -1.33%. For the same industry, the average monthly price growth was +3.36%, and the average quarterly price growth was +37.75%.

Reported Earning Dates

ALLY is expected to report earnings on Oct 17, 2025.

UPST is expected to report earnings on Nov 11, 2025.

Industries' Descriptions

@Savings Banks (-1.33% 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($12.9B) has a higher market cap than UPST($5.83B). ALLY YTD gains are higher at: 19.471 vs. UPST (-7.569). UPST has less debt than ALLY: UPST (1.47B) vs ALLY (18.9B). ALLY has higher revenues than UPST: ALLY (8.57B) vs UPST (844M).
ALLYUPSTALLY / UPST
Capitalization12.9B5.83B221%
EBITDAN/AN/A-
Gain YTD19.471-7.569-257%
P/E Ratio40.36N/A-
Revenue8.57B844M1,016%
Total CashN/AN/A-
Total Debt18.9B1.47B1,284%
FUNDAMENTALS RATINGS
ALLY: Fundamental Ratings
ALLY
OUTLOOK RATING
1..100
12
VALUATION
overvalued / fair valued / undervalued
1..100
89
Overvalued
PROFIT vs RISK RATING
1..100
53
SMR RATING
1..100
6
PRICE GROWTH RATING
1..100
47
P/E GROWTH RATING
1..100
6
SEASONALITY SCORE
1..100
50

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 2 days ago
69%
N/A
Stochastic
ODDS (%)
Bearish Trend 2 days ago
67%
Bullish Trend 2 days ago
88%
Momentum
ODDS (%)
N/A
Bearish Trend 2 days ago
90%
MACD
ODDS (%)
Bearish Trend 2 days ago
70%
Bearish Trend 2 days ago
90%
TrendWeek
ODDS (%)
Bearish Trend 2 days ago
67%
Bearish Trend 2 days ago
88%
TrendMonth
ODDS (%)
Bullish Trend 2 days ago
73%
Bearish Trend 2 days ago
88%
Advances
ODDS (%)
Bullish Trend 8 days ago
71%
Bullish Trend 9 days ago
88%
Declines
ODDS (%)
Bearish Trend 2 days ago
65%
Bearish Trend 2 days ago
90%
BollingerBands
ODDS (%)
Bearish Trend 2 days ago
77%
Bearish Trend 2 days ago
80%
Aroon
ODDS (%)
Bullish Trend 2 days ago
70%
Bearish Trend 2 days ago
90%
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ALLY
Daily Signalchanged days ago
Gain/Loss if bought
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UPST
Daily Signalchanged days ago
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ALLY and

Correlation & Price change

A.I.dvisor indicates that over the last year, ALLY has been closely correlated with SYF. These tickers have moved in lockstep 78% of the time. This A.I.-generated data suggests there is a high statistical probability that if ALLY jumps, then SYF could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To ALLY
1D Price
Change %
ALLY100%
-1.66%
SYF - ALLY
78%
Closely correlated
-0.15%
COF - ALLY
75%
Closely correlated
+0.59%
ENVA - ALLY
74%
Closely correlated
-1.23%
BFH - ALLY
73%
Closely correlated
-0.56%
OMF - ALLY
70%
Closely correlated
-0.46%
More

UPST and

Correlation & Price change

A.I.dvisor indicates that over the last year, UPST has been loosely correlated with SOFI. These tickers have moved in lockstep 64% of the time. This A.I.-generated data suggests there is some statistical probability that if UPST jumps, then SOFI could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To UPST
1D Price
Change %
UPST100%
-6.10%
SOFI - UPST
64%
Loosely correlated
-1.09%
SEZL - UPST
61%
Loosely correlated
-2.32%
LC - UPST
51%
Loosely correlated
-0.36%
SYF - UPST
51%
Loosely correlated
-0.46%
ALLY - UPST
51%
Loosely correlated
-2.69%
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