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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 $809.5B against $11.7B — 69.5× the size. Ally Financial Inc. trades at the lower P/E: 8.8× against 32.7×. Visa Inc. grew revenue faster over the last twelve months: 14.8% against 4.45%. Visa Inc. has the higher net margin (51.2% vs 8.47%) and the higher return on invested capital (40.4% vs 4.56%). Both pay a dividend; Ally Financial Inc. yields more (3.21% vs 0.63%). 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 8.80 32.72 8.96
P/S 0.74 16.55 1.00
P/B 0.91 21.33 1.23
Price to free cash flow 2.39 34.44 2.55
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 11.37% 3.06% 7.17%
Free cash flow yield 41.80% 2.90% 11.75%

Profitability

Metric ALLY V Credit Services median
Gross margin 61.75% 100.00% 76.61%
Operating margin 0.00% 61.24% 0.34%
Net margin 8.47% 51.20% 8.35%
Free cash flow margin 30.90% 48.05% 8.73%
Return on equity 10.54% 64.60% 9.05%
Return on assets 0.69% 24.23% 1.94%
Return on invested capital 4.56% 40.41% 4.56%

Growth

Metric ALLY V Credit Services median
Revenue growth (TTM) 4.45% 14.76% 4.49%
EPS growth (last fiscal year) 31.67% 14.07% 21.94%
Revenue growth, 5-year CAGR 7.20% 13.75% 9.22%
Net income growth, 5-year CAGR (7.32%) 13.81% 0.00%

Health

Metric ALLY V Credit Services median
Debt to equity 1.25 0.61 0.69
Current ratio 0.94 0.97 1.26
Net debt to EBITDA 0.00 0.25 0.11

Dividend

Metric ALLY V Credit Services median
Dividend yield 3.21% 0.63% 1.64%
Payout ratio 0.29 0.22 0.21

Size

Metric ALLY V Credit Services median
Market cap 11.65b 809.54b 759.73m

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