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Ally Financial Inc. (ALLY) vs American Express Company (AXP)

Ally Financial Inc. and American Express Company are both Credit Services companies. American Express Company is the larger, with a market value of $212.0B against $11.5B — 18.5× the size. Ally Financial Inc. trades at the lower P/E: 8.8× against 19.0×. American Express Company grew revenue faster over the last twelve months: 9.38% against 1.83%. American Express Company has the higher net margin (13.5% vs 8.38%) and the higher return on invested capital (20.0% vs 4.64%). Both pay a dividend; Ally Financial Inc. yields more (3.18% vs 1.17%). Across the 19 metrics below, Ally Financial Inc. leads on 10 and American Express Company on 9.

Valuation

Metric ALLY AXP Credit Services median
P/E 8.78 19.01 9.39
P/S 0.73 2.53 0.86
P/B 0.86 6.20 1.16
Price to free cash flow 2.54 14.13 2.78
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 11.39% 5.26% 6.55%
Free cash flow yield 39.30% 7.08% 12.26%

Profitability

Metric ALLY AXP Credit Services median
Gross margin 61.12% 90.34% 77.13%
Operating margin 0.00% 0.00% 0.34%
Net margin 8.38% 13.45% 9.25%
Free cash flow margin 28.78% 17.90% 12.91%
Return on equity 10.33% 33.97% 8.49%
Return on assets 0.68% 3.75% 2.16%
Return on invested capital 4.64% 20.04% 4.09%

Growth

Metric ALLY AXP Credit Services median
Revenue growth (TTM) 1.83% 9.38% 4.62%
EPS growth (last fiscal year) 31.67% 9.78% 21.94%
Revenue growth, 5-year CAGR 7.20% 16.08% 9.13%
Net income growth, 5-year CAGR (7.32%) 28.65% 0.00%

Health

Metric ALLY AXP Credit Services median
Debt to equity 1.10 1.66 0.68
Current ratio 0.92 1.55 1.55
Net debt to EBITDA 0.00 0.00 0.13

Dividend

Metric ALLY AXP Credit Services median
Dividend yield 3.18% 1.17% 1.64%
Payout ratio 0.28 0.22 0.22

Size

Metric ALLY AXP Credit Services median
Market cap 11.48b 211.96b 751.08m

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