ALLY vs. BAC: A Head-to-Head Stock Comparison
Here’s a clear look at ALLY and BAC, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.
Company Profile
| Symbol | ALLY | BAC |
|---|---|---|
| Company Name | Ally Financial Inc. | Bank of America Corporation |
| Country | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Financial Services | Banks |
| GICS Industry | Consumer Finance | Banks |
| GICS Sub-Industry | Consumer Finance | Diversified Banks |
| Market Capitalization | 13.65 billion USD | 375.46 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | January 28, 2014 | February 21, 1973 |
| Security Type | Common Stock | Common Stock |
BAC’s market capitalization (375.46 billion USD) is significantly greater than ALLY’s (13.65 billion USD), highlighting its more substantial market valuation.
Historical Performance
This chart compares the performance of ALLY and BAC by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period. Data is adjusted for dividends and splits.
Historical Performance at a Glance
| Symbol | ALLY | BAC |
|---|---|---|
| 5-Day Price Return | -2.84% | -0.87% |
| 13-Week Price Return | 8.00% | 1.23% |
| 26-Week Price Return | 9.63% | 2.21% |
| 52-Week Price Return | 34.87% | 32.38% |
| Month-to-Date Return | 13.18% | 8.02% |
| Year-to-Date Return | -1.97% | -4.25% |
| 10-Day Avg. Volume | 4.43M | 35.63M |
| 3-Month Avg. Volume | 3.65M | 39.79M |
| 3-Month Volatility | 34.95% | 25.23% |
| Beta | 1.14 | 1.24 |
With betas of 1.14 for ALLY and 1.24 for BAC, both stocks show similar sensitivity to overall market movements.
Profitability
Return on Equity (TTM)
ALLY
9.19%
Consumer Finance Industry
- Max
- 33.95%
- Q3
- 23.66%
- Median
- 14.88%
- Q1
- 8.92%
- Min
- 2.86%
ALLY’s Return on Equity of 9.19% is on par with the norm for the Consumer Finance industry, indicating its profitability relative to shareholder equity is typical for the sector.
BAC
10.50%
Banks Industry
- Max
- 24.14%
- Q3
- 15.37%
- Median
- 11.52%
- Q1
- 9.01%
- Min
- 1.66%
BAC’s Return on Equity of 10.50% is on par with the norm for the Banks industry, indicating its profitability relative to shareholder equity is typical for the sector.
Net Profit Margin (TTM)
ALLY
13.26%
Consumer Finance Industry
- Max
- 21.61%
- Q3
- 16.54%
- Median
- 13.26%
- Q1
- 9.91%
- Min
- 3.70%
ALLY’s Net Profit Margin of 13.26% is aligned with the median group of its peers in the Consumer Finance industry. This indicates its ability to convert revenue into profit is typical for the sector.
BAC
30.16%
Banks Industry
- Max
- 54.20%
- Q3
- 35.10%
- Median
- 28.81%
- Q1
- 21.89%
- Min
- 2.66%
BAC’s Net Profit Margin of 30.16% is aligned with the median group of its peers in the Banks industry. This indicates its ability to convert revenue into profit is typical for the sector.
Operating Profit Margin (TTM)
ALLY
15.87%
Consumer Finance Industry
- Max
- 40.35%
- Q3
- 26.64%
- Median
- 18.33%
- Q1
- 15.46%
- Min
- 4.78%
ALLY’s Operating Profit Margin of 15.87% is around the midpoint for the Consumer Finance industry, indicating that its efficiency in managing core business operations is typical for the sector.
BAC
32.74%
Banks Industry
- Max
- 63.35%
- Q3
- 44.29%
- Median
- 36.74%
- Q1
- 28.17%
- Min
- 12.28%
BAC’s Operating Profit Margin of 32.74% is around the midpoint for the Banks industry, indicating that its efficiency in managing core business operations is typical for the sector.
Profitability at a Glance
| Symbol | ALLY | BAC |
|---|---|---|
| Return on Equity (TTM) | 9.19% | 10.50% |
| Return on Assets (TTM) | 0.72% | 0.92% |
| Net Profit Margin (TTM) | 13.26% | 30.16% |
| Operating Profit Margin (TTM) | 15.87% | 32.74% |
| Gross Profit Margin (TTM) | -- | -- |
Financial Strength
Current Ratio (MRQ)
ALLY
--
Consumer Finance Industry
- Max
- 4.77
- Q3
- 4.07
- Median
- 2.21
- Q1
- 0.96
- Min
- 0.03
For the Consumer Finance industry, the Current Ratio is often not the most suitable measure of short-term liquidity.
BAC
--
Banks Industry
- Max
- --
- Q3
- --
- Median
- --
- Q1
- --
- Min
- --
For the Banks industry, the Current Ratio is often not the most suitable measure of short-term liquidity.
Debt-to-Equity Ratio (MRQ)
ALLY
1.38
Consumer Finance Industry
- Max
- 6.67
- Q3
- 4.35
- Median
- 2.55
- Q1
- 1.09
- Min
- 0.13
The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Consumer Finance industry.
BAC
2.45
Banks Industry
- Max
- 4.88
- Q3
- 2.58
- Median
- 1.11
- Q1
- 0.39
- Min
- 0.00
The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Banks industry.
Interest Coverage Ratio (TTM)
ALLY
--
Consumer Finance Industry
- Max
- 49.63
- Q3
- 33.37
- Median
- 4.85
- Q1
- 3.20
- Min
- 1.10
The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Consumer Finance industry.
BAC
--
Banks Industry
- Max
- --
- Q3
- --
- Median
- --
- Q1
- --
- Min
- --
The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Banks industry.
Financial Strength at a Glance
| Symbol | ALLY | BAC |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Quick Ratio (MRQ) | -- | -- |
| Debt-to-Equity Ratio (MRQ) | 1.38 | 2.45 |
| Interest Coverage Ratio (TTM) | -- | -- |
Growth
Revenue Growth
Revenue Growth at a Glance
| Symbol | ALLY | BAC |
|---|---|---|
| Revenue Growth (MRQ vs Prior YoY) | 30.21% | 71.37% |
| Revenue Growth (TTM vs Prior YoY) | 37.40% | 99.37% |
| 3-Year Revenue CAGR | 2.52% | 0.62% |
| 5-Year Revenue CAGR | 5.00% | 4.74% |
EPS Growth
EPS Growth at a Glance
| Symbol | ALLY | BAC |
|---|---|---|
| EPS Growth (MRQ vs Prior YoY) | -- | 22.19% |
| EPS Growth (TTM vs Prior YoY) | 387.77% | 18.65% |
| 3-Year EPS CAGR | -20.32% | 5.63% |
| 5-Year EPS CAGR | -1.11% | 14.32% |
Dividend
Dividend Yield (TTM)
ALLY
3.58%
Consumer Finance Industry
- Max
- 7.22%
- Q3
- 3.46%
- Median
- 1.72%
- Q1
- 0.00%
- Min
- 0.00%
With a Dividend Yield of 3.58%, ALLY offers a more attractive income stream than most of its peers in the Consumer Finance industry, signaling a strong commitment to shareholder returns.
BAC
2.53%
Banks Industry
- Max
- 9.43%
- Q3
- 5.20%
- Median
- 3.56%
- Q1
- 2.32%
- Min
- 0.00%
BAC’s Dividend Yield of 2.53% is consistent with its peers in the Banks industry, providing a dividend return that is standard for its sector.
Dividend Payout Ratio (TTM)
ALLY
33.52%
Consumer Finance Industry
- Max
- 160.44%
- Q3
- 80.51%
- Median
- 21.18%
- Q1
- 6.07%
- Min
- 0.00%
ALLY’s Dividend Payout Ratio of 33.52% is within the typical range for the Consumer Finance industry, suggesting a balanced approach between shareholder payouts and company reinvestment.
BAC
31.38%
Banks Industry
- Max
- 134.52%
- Q3
- 77.83%
- Median
- 51.58%
- Q1
- 34.59%
- Min
- 0.00%
BAC’s Dividend Payout Ratio of 31.38% is in the lower quartile for the Banks industry. This suggests a conservative dividend policy, with a strategic focus on reinvesting profits for future growth.
Dividend at a Glance
| Symbol | ALLY | BAC |
|---|---|---|
| Dividend Yield (TTM) | 3.58% | 2.53% |
| Dividend Payout Ratio (TTM) | 33.52% | 31.38% |
Valuation
Price-to-Earnings Ratio (TTM)
ALLY
9.79
Consumer Finance Industry
- Max
- 27.73
- Q3
- 18.66
- Median
- 14.06
- Q1
- 9.25
- Min
- 5.95
ALLY’s P/E Ratio of 9.79 is within the middle range for the Consumer Finance industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.
BAC
11.92
Banks Industry
- Max
- 22.28
- Q3
- 14.24
- Median
- 11.23
- Q1
- 8.21
- Min
- 2.88
BAC’s P/E Ratio of 11.92 is within the middle range for the Banks industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.
Price-to-Sales Ratio (TTM)
ALLY
0.89
Consumer Finance Industry
- Max
- 3.79
- Q3
- 2.53
- Median
- 1.97
- Q1
- 1.11
- Min
- 0.59
In the lower quartile for the Consumer Finance industry, ALLY’s P/S Ratio of 0.89 indicates its revenue is valued more conservatively than most of its peers. This could present a compelling opportunity if the market has overlooked its sales-generating capabilities.
BAC
2.33
Banks Industry
- Max
- 4.90
- Q3
- 3.05
- Median
- 2.22
- Q1
- 1.56
- Min
- 0.39
The P/S Ratio is often not a primary valuation tool in the Banks industry.
Price-to-Book Ratio (MRQ)
ALLY
0.77
Consumer Finance Industry
- Max
- 5.33
- Q3
- 2.97
- Median
- 2.11
- Q1
- 1.25
- Min
- 0.77
ALLY’s P/B Ratio of 0.77 is in the lower quartile for the Consumer Finance industry. From a value investing perspective, this is favorable, as it suggests the stock is trading at a discount to its net asset value and may offer a greater margin of safety.
BAC
1.16
Banks Industry
- Max
- 2.38
- Q3
- 1.57
- Median
- 1.20
- Q1
- 0.94
- Min
- 0.10
BAC’s P/B Ratio of 1.16 is within the conventional range for the Banks industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.
Valuation at a Glance
| Symbol | ALLY | BAC |
|---|---|---|
| Price-to-Earnings Ratio (TTM) | 9.79 | 11.92 |
| Price-to-Sales Ratio (TTM) | 0.89 | 2.33 |
| Price-to-Book Ratio (MRQ) | 0.77 | 1.16 |
| Price-to-Free Cash Flow Ratio (TTM) | 16.01 | 5.19 |