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Ally Financial Inc. (ALLY) vs PayPal Holdings, Inc. (PYPL)

Ally Financial Inc. and PayPal Holdings, Inc. are both Credit Services companies. PayPal Holdings, Inc. is the larger, with a market value of $48.9B against $11.5B — 4.3× the size. Ally Financial Inc. trades at the lower P/E: 8.8× against 10.6×. PayPal Holdings, Inc. grew revenue faster over the last twelve months: 5.69% against 1.83%. PayPal Holdings, Inc. has the higher net margin (14.4% vs 8.38%) and the higher return on invested capital (16.9% vs 4.64%). Both pay a dividend; Ally Financial Inc. yields more (3.18% vs 0.99%). Across the 21 metrics below, PayPal Holdings, Inc. leads on 12 and Ally Financial Inc. on 9.

Valuation

Metric ALLY PYPL Credit Services median
P/E 8.78 10.64 9.39
P/S 0.73 1.46 0.86
P/B 0.86 2.51 1.16
Price to free cash flow 2.54 7.53 2.78
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 11.39% 9.40% 6.55%
Free cash flow yield 39.30% 13.28% 12.26%

Profitability

Metric ALLY PYPL Credit Services median
Gross margin 61.12% 40.48% 77.13%
Operating margin 0.00% 17.42% 0.34%
Net margin 8.38% 14.36% 9.25%
Free cash flow margin 28.78% 19.35% 12.91%
Return on equity 10.33% 24.50% 8.49%
Return on assets 0.68% 6.03% 2.16%
Return on invested capital 4.64% 16.92% 4.09%

Growth

Metric ALLY PYPL Credit Services median
Revenue growth (TTM) 1.83% 5.69% 4.62%
EPS growth (last fiscal year) 31.67% 35.59% 21.94%
Revenue growth, 5-year CAGR 7.20% 9.11% 9.13%
Net income growth, 5-year CAGR (7.32%) 4.49% 0.00%

Health

Metric ALLY PYPL Credit Services median
Debt to equity 1.10 0.68 0.68
Current ratio 0.92 1.29 1.55
Net debt to EBITDA 0.00 (0.06) 0.13

Dividend

Metric ALLY PYPL Credit Services median
Dividend yield 3.18% 0.99% 1.64%
Payout ratio 0.28 0.11 0.22

Size

Metric ALLY PYPL Credit Services median
Market cap 11.48b 48.90b 751.08m

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