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Ally Financial Inc. (ALLY) vs Klarna Group plc (KLAR)

Ally Financial Inc. and Klarna Group plc are both Credit Services companies. Ally Financial Inc. is the larger, with a market value of $11.5B against $5.1B — 2.3× the size. Klarna Group plc has negative trailing earnings, so its P/E is not meaningful; Ally Financial Inc. trades at 8.8×. Klarna Group plc grew revenue faster over the last twelve months: 34.2% against 1.83%. Ally Financial Inc. has the higher net margin (8.38% vs −3.52%) and the higher return on invested capital (4.64% vs 0.00%). Across the 16 metrics below, Ally Financial Inc. leads on 13 and Klarna Group plc on 3.

Valuation

Metric ALLY KLAR Credit Services median
P/E 8.78 n/m 9.39
P/S 0.73 1.22 0.86
P/B 0.86 1.85 1.16
Price to free cash flow 2.54 n/m 2.78
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 11.39% (2.84%) 6.55%
Free cash flow yield 39.30% (77.31%) 12.26%

Profitability

Metric ALLY KLAR Credit Services median
Gross margin 61.12% 58.18% 77.13%
Operating margin 0.00% (1.21%) 0.34%
Net margin 8.38% (3.52%) 9.25%
Free cash flow margin 28.78% (94.31%) 12.91%
Return on equity 10.33% (5.67%) 8.49%
Return on assets 0.68% (0.77%) 2.16%
Return on invested capital 4.64% 0.00% 4.09%

Growth

Metric ALLY KLAR Credit Services median
Revenue growth (TTM) 1.83% 34.19% 4.62%
EPS growth (last fiscal year) 31.67% (8,000.00%) 21.94%
Revenue growth, 5-year CAGR 7.20% — 9.13%
Net income growth, 5-year CAGR (7.32%) — 0.00%

Health

Metric ALLY KLAR Credit Services median
Debt to equity 1.10 0.00 0.68
Current ratio 0.92 1.08 1.55
Net debt to EBITDA 0.00 51.16 0.13

Dividend

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

Size

Metric ALLY KLAR Credit Services median
Market cap 11.48b 5.10b 751.08m

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