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Ally Financial Inc. (ALLY) vs Credit Acceptance Corporation (CACC)

Ally Financial Inc. and Credit Acceptance Corporation are both Credit Services companies. Ally Financial Inc. is the larger, with a market value of $11.5B against $5.7B — 2.0× the size. Ally Financial Inc. trades at the lower P/E: 8.8× against 11.7×. Credit Acceptance Corporation grew revenue faster over the last twelve months: 2.58% against 1.83%. Credit Acceptance Corporation has the higher net margin (21.5% vs 8.38%) and the higher return on invested capital (10.0% vs 4.64%). Across the 20 metrics below, Credit Acceptance Corporation leads on 11 and Ally Financial Inc. on 9.

Valuation

Metric ALLY CACC Credit Services median
P/E 8.78 11.75 9.39
P/S 0.73 2.45 0.86
P/B 0.86 3.60 1.16
Price to free cash flow 2.54 4.68 2.78
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 11.39% 8.51% 6.55%
Free cash flow yield 39.30% 21.37% 12.26%

Profitability

Metric ALLY CACC Credit Services median
Gross margin 61.12% 100.00% 77.13%
Operating margin 0.00% 50.01% 0.34%
Net margin 8.38% 21.54% 9.25%
Free cash flow margin 28.78% 52.41% 12.91%
Return on equity 10.33% 31.93% 8.49%
Return on assets 0.68% 5.79% 2.16%
Return on invested capital 4.64% 10.02% 4.09%

Growth

Metric ALLY CACC Credit Services median
Revenue growth (TTM) 1.83% 2.58% 4.62%
EPS growth (last fiscal year) 31.67% 83.60% 21.94%
Revenue growth, 5-year CAGR 7.20% 6.78% 9.13%
Net income growth, 5-year CAGR (7.32%) 0.14% 0.00%

Health

Metric ALLY CACC Credit Services median
Debt to equity 1.10 3.96 0.68
Current ratio 0.92 14.89 1.55
Net debt to EBITDA 0.00 5.10 0.13

Dividend

Metric ALLY CACC Credit Services median
Dividend yield 3.18% — 1.64%
Payout ratio 0.28 — 0.22

Size

Metric ALLY CACC Credit Services median
Market cap 11.48b 5.71b 751.08m

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