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Ally Financial Inc. (ALLY) vs Visa Inc. (V)

Ally Financial Inc. and Visa Inc. are both Credit Services companies. Visa Inc. is the larger, with a market value of $746.4B against $11.5B — 65.0× the size. Ally Financial Inc. trades at the lower P/E: 8.8× against 33.0×. Visa Inc. grew revenue faster over the last twelve months: 14.4% against 1.83%. Visa Inc. has the higher net margin (50.8% vs 8.38%) and the higher return on invested capital (38.0% vs 4.64%). Both pay a dividend; Ally Financial Inc. yields more (3.18% vs 0.67%). Across the 21 metrics below, Visa Inc. leads on 12 and Ally Financial Inc. on 9.

Valuation

Metric ALLY V Credit Services median
P/E 8.78 32.97 9.39
P/S 0.73 16.12 0.86
P/B 0.86 20.69 1.16
Price to free cash flow 2.54 34.12 2.78
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 11.39% 3.03% 6.55%
Free cash flow yield 39.30% 2.93% 12.26%

Profitability

Metric ALLY V Credit Services median
Gross margin 61.12% 100.00% 77.13%
Operating margin 0.00% 60.68% 0.34%
Net margin 8.38% 50.78% 9.25%
Free cash flow margin 28.78% 47.23% 12.91%
Return on equity 10.33% 62.36% 8.49%
Return on assets 0.68% 23.22% 2.16%
Return on invested capital 4.64% 38.04% 4.09%

Growth

Metric ALLY V Credit Services median
Revenue growth (TTM) 1.83% 14.39% 4.62%
EPS growth (last fiscal year) 31.67% 4.83% 21.94%
Revenue growth, 5-year CAGR 7.20% 12.86% 9.13%
Net income growth, 5-year CAGR (7.32%) 13.04% 0.00%

Health

Metric ALLY V Credit Services median
Debt to equity 1.10 0.68 0.68
Current ratio 0.92 0.99 1.55
Net debt to EBITDA 0.00 0.13 0.13

Dividend

Metric ALLY V Credit Services median
Dividend yield 3.18% 0.67% 1.64%
Payout ratio 0.28 0.23 0.22

Size

Metric ALLY V Credit Services median
Market cap 11.48b 746.35b 751.08m

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