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Screener Weekly Summary Pricing

Ally Financial Inc. (ALLY) vs OneMain Holdings, Inc. (OMF)

Ally Financial Inc. and OneMain Holdings, Inc. are both Credit Services companies. Ally Financial Inc. is the larger, with a market value of $11.8B against $6.5B — 1.8× the size. OneMain Holdings, Inc. trades at the lower P/E: 8.6× against 9.0×. OneMain Holdings, Inc. grew revenue faster over the last twelve months: 7.04% against 1.83%. OneMain Holdings, Inc. has the higher net margin (12.3% vs 8.38%) and the lower return on invested capital (2.45% vs 4.64%). Both pay a dividend; OneMain Holdings, Inc. yields more (9.13% vs 3.34%). Across the 20 metrics below, OneMain Holdings, Inc. leads on 13 and Ally Financial Inc. on 7.

Valuation

Metric ALLY OMF Credit Services median
P/E 9.04 8.64 9.64
P/S 0.75 1.04 0.87
P/B 0.89 1.96 1.16
Price to free cash flow 2.62 2.04 2.99
EV/EBITDA n/m n/m 9.58
EV/Sales 1.33 4.52 2.32
Earnings yield 11.06% 11.58% 6.72%
Free cash flow yield 38.17% 49.09% 12.33%

Profitability

Metric ALLY OMF Credit Services median
Gross margin 61.12% 79.74% 77.13%
Operating margin 0.00% 0.00% 0.34%
Net margin 8.38% 12.26% 9.25%
Free cash flow margin 28.78% 50.72% 13.03%
Return on equity 10.33% 23.28% 8.49%
Return on assets 0.68% 2.89% 2.29%
Return on invested capital 4.64% 2.45% 4.09%

Growth

Metric ALLY OMF Credit Services median
Revenue growth (TTM) 1.83% 7.04% 4.62%
EPS growth (last fiscal year) 31.67% 54.72% —
Revenue growth, 5-year CAGR 7.20% 4.76% 9.13%
Net income growth, 5-year CAGR (7.32%) 1.41% 0.00%

Health

Metric ALLY OMF Credit Services median
Debt to equity 1.10 6.73 0.68
Current ratio 0.92 0.00 1.55
Net debt to EBITDA 0.00 0.00 0.13

Dividend

Metric ALLY OMF Credit Services median
Dividend yield 3.34% 9.13% 3.34%
Payout ratio 0.32 0.73 0.00

Size

Metric ALLY OMF Credit Services median
Market cap 11.78b 6.52b 872.19m

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