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Ally Financial Inc. (ALLY) vs SoFi Technologies, Inc. (SOFI)

Ally Financial Inc. and SoFi Technologies, Inc. are both Credit Services companies. SoFi Technologies, Inc. is the larger, with a market value of $19.5B against $11.5B — 1.7× the size. Ally Financial Inc. trades at the lower P/E: 8.8× against 28.5×. SoFi Technologies, Inc. grew revenue faster over the last twelve months: 34.1% against 1.83%. SoFi Technologies, Inc. has the higher net margin (11.4% vs 8.38%) and the lower return on invested capital (4.26% vs 4.64%). Across the 17 metrics below, Ally Financial Inc. leads on 10 and SoFi Technologies, Inc. on 7.

Valuation

Metric ALLY SOFI Credit Services median
P/E 8.78 28.53 9.39
P/S 0.73 3.35 0.86
P/B 0.86 1.69 1.16
Price to free cash flow 2.54 n/m 2.78
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 11.39% 3.51% 6.55%
Free cash flow yield 39.30% (47.09%) 12.26%

Profitability

Metric ALLY SOFI Credit Services median
Gross margin 61.12% 77.13% 77.13%
Operating margin 0.00% 0.00% 0.34%
Net margin 8.38% 11.39% 9.25%
Free cash flow margin 28.78% (157.63%) 12.91%
Return on equity 10.33% 7.09% 8.49%
Return on assets 0.68% 1.25% 2.16%
Return on invested capital 4.64% 4.26% 4.09%

Growth

Metric ALLY SOFI Credit Services median
Revenue growth (TTM) 1.83% 34.08% 4.62%
EPS growth (last fiscal year) 31.67% 0.00% 21.94%
Revenue growth, 5-year CAGR 7.20% 44.73% 9.13%
Net income growth, 5-year CAGR (7.32%) 0.00% 0.00%

Health

Metric ALLY SOFI Credit Services median
Debt to equity 1.10 0.30 0.68
Current ratio 0.92 0.74 1.55
Net debt to EBITDA 0.00 0.00 0.13

Dividend

Metric ALLY SOFI Credit Services median
Dividend yield 3.18% — 1.64%
Payout ratio 0.28 — 0.22

Size

Metric ALLY SOFI Credit Services median
Market cap 11.48b 19.49b 751.08m

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