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Ally Financial Inc. (ALLY) vs Mastercard Incorporated (MA)

Ally Financial Inc. and Mastercard Incorporated are both Credit Services companies. Mastercard Incorporated is the larger, with a market value of $539.9B against $11.5B — 47.0× the size. Ally Financial Inc. trades at the lower P/E: 8.8× against 33.9×. Mastercard Incorporated grew revenue faster over the last twelve months: 16.0% against 1.83%. Mastercard Incorporated has the higher net margin (46.3% vs 8.38%) and the higher return on invested capital (70.5% vs 4.64%). Both pay a dividend; Ally Financial Inc. yields more (3.18% vs 0.56%). Across the 21 metrics below, Mastercard Incorporated leads on 11 and Ally Financial Inc. on 10.

Valuation

Metric ALLY MA Credit Services median
P/E 8.78 33.91 9.39
P/S 0.73 15.52 0.86
P/B 0.86 97.14 1.16
Price to free cash flow 2.54 34.09 2.78
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 11.39% 2.95% 6.55%
Free cash flow yield 39.30% 2.93% 12.26%

Profitability

Metric ALLY MA Credit Services median
Gross margin 61.12% 100.00% 77.13%
Operating margin 0.00% 58.33% 0.34%
Net margin 8.38% 46.34% 9.25%
Free cash flow margin 28.78% 45.53% 12.91%
Return on equity 10.33% 241.20% 8.49%
Return on assets 0.68% 29.80% 2.16%
Return on invested capital 4.64% 70.46% 4.09%

Growth

Metric ALLY MA Credit Services median
Revenue growth (TTM) 1.83% 16.01% 4.62%
EPS growth (last fiscal year) 31.67% 18.93% 21.94%
Revenue growth, 5-year CAGR 7.20% 16.47% 9.13%
Net income growth, 5-year CAGR (7.32%) 18.48% 0.00%

Health

Metric ALLY MA Credit Services median
Debt to equity 1.10 4.40 0.68
Current ratio 0.92 1.06 1.55
Net debt to EBITDA 0.00 0.34 0.13

Dividend

Metric ALLY MA Credit Services median
Dividend yield 3.18% 0.56% 1.64%
Payout ratio 0.28 0.19 0.22

Size

Metric ALLY MA Credit Services median
Market cap 11.48b 539.90b 751.08m

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