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Ally Financial Inc. (ALLY) vs Synchrony Financial (SYF)

Ally Financial Inc. and Synchrony Financial are both Credit Services companies. Synchrony Financial is the larger, with a market value of $22.3B against $11.4B — 2.0× the size. Synchrony Financial trades at the lower P/E: 7.5× against 8.7×. Ally Financial Inc. grew revenue faster over the last twelve months: 4.45% against 0.48%. Synchrony Financial has the higher net margin (14.0% vs 8.30%) and the higher return on invested capital (15.4% vs 4.56%). Both pay a dividend; Ally Financial Inc. yields more (3.26% vs 1.77%). Across the 19 metrics below, Synchrony Financial leads on 11 and Ally Financial Inc. on 8.

Valuation

Metric ALLY SYF Credit Services median
P/E 8.69 7.46 8.59
P/S 0.73 0.99 0.97
P/B 0.90 1.55 1.20
Price to free cash flow 2.36 2.41 2.41
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 11.51% 13.40% 8.70%
Free cash flow yield 42.33% 41.45% 12.56%

Profitability

Metric ALLY SYF Credit Services median
Gross margin 61.75% 83.22% 77.36%
Operating margin 0.00% 0.00% 1.73%
Net margin 8.30% 13.97% 8.35%
Free cash flow margin 30.90% 41.17% 16.27%
Return on equity 10.33% 21.14% 9.11%
Return on assets 0.67% 2.71% 1.94%
Return on invested capital 4.56% 15.44% 4.90%

Growth

Metric ALLY SYF Credit Services median
Revenue growth (TTM) 4.45% 0.48% 4.49%
EPS growth (last fiscal year) 31.67% 8.54% 21.94%
Revenue growth, 5-year CAGR 7.20% 7.02% 9.59%
Net income growth, 5-year CAGR (7.32%) 20.90% 0.00%

Health

Metric ALLY SYF Credit Services median
Debt to equity 1.25 1.03 0.69
Current ratio 0.94 1.23 1.58
Net debt to EBITDA 0.00 0.00 0.11

Dividend

Metric ALLY SYF Credit Services median
Dividend yield 3.26% 1.77% 1.71%
Payout ratio 0.29 0.13 0.23

Size

Metric ALLY SYF Credit Services median
Market cap 11.40b 22.32b 627.84m

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