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Screener Weekly Summary Pricing

Ally Financial Inc. (ALLY) vs Nelnet, Inc. (NNI)

Ally Financial Inc. and Nelnet, Inc. are both Credit Services companies. Ally Financial Inc. is the larger, with a market value of $11.8B against $4.5B — 2.6× the size. Ally Financial Inc. trades at the lower P/E: 9.0× against 14.9×. Ally Financial Inc. grew revenue faster over the last twelve months: 1.83% against −6.25%. Nelnet, Inc. has the higher net margin (14.4% vs 8.38%) and the lower return on invested capital (3.14% vs 4.64%). Both pay a dividend; Ally Financial Inc. yields more (3.34% vs 1.20%). Across the 20 metrics below, Ally Financial Inc. leads on 14 and Nelnet, Inc. on 6.

Valuation

Metric ALLY NNI Credit Services median
P/E 9.04 14.87 9.64
P/S 0.75 2.13 0.87
P/B 0.89 1.23 1.16
Price to free cash flow 2.62 15.36 2.99
EV/EBITDA n/m n/m 9.58
EV/Sales 1.33 3.75 2.32
Earnings yield 11.06% 6.72% 6.72%
Free cash flow yield 38.17% 6.51% 12.33%

Profitability

Metric ALLY NNI Credit Services median
Gross margin 61.12% 78.28% 77.13%
Operating margin 0.00% 0.00% 0.34%
Net margin 8.38% 14.35% 9.25%
Free cash flow margin 28.78% 13.85% 13.03%
Return on equity 10.33% 8.49% 8.49%
Return on assets 0.68% 2.16% 2.29%
Return on invested capital 4.64% 3.14% 4.09%

Growth

Metric ALLY NNI Credit Services median
Revenue growth (TTM) 1.83% (6.25%) 4.62%
EPS growth (last fiscal year) 31.67% 134.86% —
Revenue growth, 5-year CAGR 7.20% 5.45% 9.13%
Net income growth, 5-year CAGR (7.32%) 3.98% 0.00%

Health

Metric ALLY NNI Credit Services median
Debt to equity 1.10 1.94 0.68
Current ratio 0.92 836.59 1.55
Net debt to EBITDA 0.00 0.00 0.13

Dividend

Metric ALLY NNI Credit Services median
Dividend yield 3.34% 1.20% 3.34%
Payout ratio 0.32 0.20 0.00

Size

Metric ALLY NNI Credit Services median
Market cap 11.78b 4.47b 872.19m

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