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Ally Financial Inc. (ALLY) vs Sezzle Inc. (SEZL)

Ally Financial Inc. and Sezzle Inc. are both Credit Services companies. Ally Financial Inc. is the larger, with a market value of $11.7B against $5.2B — 2.2× the size. Ally Financial Inc. trades at the lower P/E: 8.8× against 28.6×. Sezzle Inc. grew revenue faster over the last twelve months: 38.9% against 4.45%. Sezzle Inc. has the higher net margin (31.4% vs 8.47%) and the higher return on invested capital (49.8% vs 4.56%). Across the 20 metrics below, Sezzle Inc. leads on 11 and Ally Financial Inc. on 9.

Valuation

Metric ALLY SEZL Credit Services median
P/E 8.80 28.61 8.96
P/S 0.74 8.89 1.00
P/B 0.91 18.62 1.23
Price to free cash flow 2.39 19.03 2.55
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 11.37% 3.50% 7.17%
Free cash flow yield 41.80% 5.25% 11.75%

Profitability

Metric ALLY SEZL Credit Services median
Gross margin 61.75% 0.00% 76.61%
Operating margin 0.00% 41.87% 0.34%
Net margin 8.47% 31.39% 8.35%
Free cash flow margin 30.90% (0.66%) 8.73%
Return on equity 10.54% 84.34% 9.05%
Return on assets 0.69% 43.03% 1.94%
Return on invested capital 4.56% 49.84% 4.56%

Growth

Metric ALLY SEZL Credit Services median
Revenue growth (TTM) 4.45% 38.93% 4.49%
EPS growth (last fiscal year) 31.67% 69.99% 21.94%
Revenue growth, 5-year CAGR 7.20% 50.26% 9.22%
Net income growth, 5-year CAGR (7.32%) 0.00% 0.00%

Health

Metric ALLY SEZL Credit Services median
Debt to equity 1.25 0.37 0.69
Current ratio 0.94 4.21 1.26
Net debt to EBITDA 0.00 0.38 0.11

Dividend

Metric ALLY SEZL Credit Services median
Dividend yield 3.21% — 1.64%
Payout ratio 0.29 — 0.21

Size

Metric ALLY SEZL Credit Services median
Market cap 11.65b 5.24b 759.73m

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