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Screener Weekly Summary Pricing

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 $686.4B against $11.8B — 58.3× the size. Ally Financial Inc. trades at the lower P/E: 9.0× against 30.1×. 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 (3.34% vs 0.78%). Across the 22 metrics below, Visa Inc. leads on 12 and Ally Financial Inc. on 10.

Valuation

Metric ALLY V Credit Services median
P/E 9.04 30.09 9.64
P/S 0.75 14.71 0.87
P/B 0.89 18.88 1.16
Price to free cash flow 2.62 31.14 2.99
EV/EBITDA n/m 23.41 9.58
EV/Sales 1.33 14.91 2.32
Earnings yield 11.06% 3.32% 6.72%
Free cash flow yield 38.17% 3.21% 12.33%

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% 13.03%
Return on equity 10.33% 62.36% 8.49%
Return on assets 0.68% 23.22% 2.29%
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% —
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 3.34% 0.78% 3.34%
Payout ratio 0.32 0.22 0.00

Size

Metric ALLY V Credit Services median
Market cap 11.78b 686.42b 872.19m

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