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ALLY vs. BMO: A Head-to-Head Stock Comparison

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Here’s a clear look at ALLY and BMO, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.

Company Profile

SymbolALLYBMO
Company NameAlly Financial Inc.Bank of Montreal
CountryUnited StatesCanada
GICS SectorFinancialsFinancials
GICS IndustryConsumer FinanceBanks
Market Capitalization11.77 billion USD81.78 billion USD
ExchangeNYSENYSE
Listing DateJanuary 28, 2014October 27, 1994
Security TypeCommon StockCommon Stock

Historical Performance

This chart compares the performance of ALLY and BMO 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.

ALLY vs. BMO: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

SymbolALLYBMO
5-Day Price Return-1.67%-0.54%
13-Week Price Return5.96%9.15%
26-Week Price Return2.52%11.31%
52-Week Price Return-10.59%33.17%
Month-to-Date Return1.03%2.60%
Year-to-Date Return6.19%12.44%
10-Day Avg. Volume2.41M1.93M
3-Month Avg. Volume3.62M2.81M
3-Month Volatility25.34%10.33%
Beta1.211.06

Profitability

Return on Equity (TTM)

ALLY

2.40%

Consumer Finance Industry

Max
32.87%
Q3
20.39%
Median
14.14%
Q1
7.64%
Min
-10.63%

ALLY’s Return on Equity of 2.40% is in the lower quartile for the Consumer Finance industry. This indicates a less efficient generation of profit from its equity base when compared to its competitors.

BMO

9.70%

Banks Industry

Max
26.37%
Q3
15.92%
Median
12.25%
Q1
8.69%
Min
0.15%

BMO’s Return on Equity of 9.70% is on par with the norm for the Banks industry, indicating its profitability relative to shareholder equity is typical for the sector.

ALLY vs. BMO: A comparison of their Return on Equity (TTM) against their respective Consumer Finance and Banks industry benchmarks.

Net Profit Margin (TTM)

ALLY

13.26%

Consumer Finance Industry

Max
19.68%
Q3
15.94%
Median
13.37%
Q1
9.73%
Min
3.66%

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.

BMO

21.68%

Banks Industry

Max
54.20%
Q3
35.70%
Median
28.97%
Q1
22.53%
Min
6.98%

Falling into the lower quartile for the Banks industry, BMO’s Net Profit Margin of 21.68% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.

ALLY vs. BMO: A comparison of their Net Profit Margin (TTM) against their respective Consumer Finance and Banks industry benchmarks.

Operating Profit Margin (TTM)

ALLY

15.87%

Consumer Finance Industry

Max
50.11%
Q3
29.38%
Median
18.31%
Q1
14.26%
Min
-5.45%

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.

BMO

28.81%

Banks Industry

Max
63.35%
Q3
44.59%
Median
37.24%
Q1
28.25%
Min
13.37%

BMO’s Operating Profit Margin of 28.81% is around the midpoint for the Banks industry, indicating that its efficiency in managing core business operations is typical for the sector.

ALLY vs. BMO: A comparison of their Operating Profit Margin (TTM) against their respective Consumer Finance and Banks industry benchmarks.

Profitability at a Glance

SymbolALLYBMO
Return on Equity (TTM)2.40%9.70%
Return on Assets (TTM)0.18%0.58%
Net Profit Margin (TTM)13.26%21.68%
Operating Profit Margin (TTM)15.87%28.81%
Gross Profit Margin (TTM)----

Financial Strength

Current Ratio (MRQ)

ALLY

--

Consumer Finance Industry

Max
5.34
Q3
4.21
Median
2.67
Q1
0.71
Min
0.20

For the Consumer Finance industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

BMO

--

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.

ALLY vs. BMO: A comparison of their Current Ratio (MRQ) against their respective Consumer Finance and Banks industry benchmarks.

Debt-to-Equity Ratio (MRQ)

ALLY

1.36

Consumer Finance Industry

Max
6.63
Q3
3.39
Median
2.21
Q1
0.94
Min
0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Consumer Finance industry.

BMO

2.73

Banks Industry

Max
4.75
Q3
2.62
Median
1.02
Q1
0.39
Min
0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Banks industry.

ALLY vs. BMO: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Consumer Finance and Banks industry benchmarks.

Interest Coverage Ratio (TTM)

ALLY

--

Consumer Finance Industry

Max
49.63
Q3
39.33
Median
4.56
Q1
2.97
Min
-15.69

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Consumer Finance industry.

BMO

--

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.

ALLY vs. BMO: A comparison of their Interest Coverage Ratio (TTM) against their respective Consumer Finance and Banks industry benchmarks.

Financial Strength at a Glance

SymbolALLYBMO
Current Ratio (MRQ)----
Quick Ratio (MRQ)----
Debt-to-Equity Ratio (MRQ)1.362.73
Interest Coverage Ratio (TTM)----

Growth

Revenue Growth

ALLY vs. BMO: A side-by-side comparison of their Revenue Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

EPS Growth

ALLY vs. BMO: A side-by-side comparison of their EPS Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

Dividend

Dividend Yield (TTM)

ALLY

4.13%

Consumer Finance Industry

Max
8.31%
Q3
3.93%
Median
2.51%
Q1
0.84%
Min
0.00%

With a Dividend Yield of 4.13%, ALLY offers a more attractive income stream than most of its peers in the Consumer Finance industry, signaling a strong commitment to shareholder returns.

BMO

4.35%

Banks Industry

Max
10.27%
Q3
5.83%
Median
3.81%
Q1
2.50%
Min
0.00%

BMO’s Dividend Yield of 4.35% is consistent with its peers in the Banks industry, providing a dividend return that is standard for its sector.

ALLY vs. BMO: A comparison of their Dividend Yield (TTM) against their respective Consumer Finance and Banks industry benchmarks.

Dividend Payout Ratio (TTM)

ALLY

33.71%

Consumer Finance Industry

Max
145.89%
Q3
88.53%
Median
23.79%
Q1
0.00%
Min
0.00%

ALLY’s Dividend Payout Ratio of 33.71% is within the typical range for the Consumer Finance industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

BMO

59.72%

Banks Industry

Max
147.07%
Q3
80.55%
Median
54.40%
Q1
35.71%
Min
0.00%

BMO’s Dividend Payout Ratio of 59.72% is within the typical range for the Banks industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

ALLY vs. BMO: A comparison of their Dividend Payout Ratio (TTM) against their respective Consumer Finance and Banks industry benchmarks.

Dividend at a Glance

SymbolALLYBMO
Dividend Yield (TTM)4.13%4.35%
Dividend Payout Ratio (TTM)33.71%59.72%

Valuation

Price-to-Earnings Ratio (TTM)

ALLY

34.24

Consumer Finance Industry

Max
34.39
Q3
20.36
Median
13.05
Q1
9.29
Min
4.74

A P/E Ratio of 34.24 places ALLY in the upper quartile for the Consumer Finance industry. This high valuation relative to peers suggests the market holds elevated expectations for the company’s future growth.

BMO

13.72

Banks Industry

Max
20.05
Q3
12.65
Median
10.21
Q1
7.54
Min
2.74

A P/E Ratio of 13.72 places BMO in the upper quartile for the Banks industry. This high valuation relative to peers suggests the market holds elevated expectations for the company’s future growth.

ALLY vs. BMO: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Consumer Finance and Banks industry benchmarks.

Price-to-Sales Ratio (TTM)

ALLY

0.89

Consumer Finance Industry

Max
4.28
Q3
2.67
Median
1.88
Q1
1.15
Min
0.55

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.

BMO

2.38

Banks Industry

Max
5.06
Q3
2.98
Median
2.24
Q1
1.59
Min
0.45

The P/S Ratio is often not a primary valuation tool in the Banks industry.

ALLY vs. BMO: A comparison of their Price-to-Sales Ratio (TTM) against their respective Consumer Finance and Banks industry benchmarks.

Price-to-Book Ratio (MRQ)

ALLY

0.82

Consumer Finance Industry

Max
3.63
Q3
2.40
Median
1.96
Q1
1.16
Min
0.26

ALLY’s P/B Ratio of 0.82 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.

BMO

1.11

Banks Industry

Max
2.18
Q3
1.36
Median
1.09
Q1
0.81
Min
0.20

BMO’s P/B Ratio of 1.11 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.

ALLY vs. BMO: A comparison of their Price-to-Book Ratio (MRQ) against their respective Consumer Finance and Banks industry benchmarks.

Valuation at a Glance

SymbolALLYBMO
Price-to-Earnings Ratio (TTM)34.2413.72
Price-to-Sales Ratio (TTM)0.892.38
Price-to-Book Ratio (MRQ)0.821.11
Price-to-Free Cash Flow Ratio (TTM)13.796.92