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

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

Company Profile

SymbolALLYCG
Company NameAlly Financial Inc.The Carlyle Group Inc.
CountryUnited StatesUnited States
GICS SectorFinancialsFinancials
GICS Industry GroupFinancial ServicesFinancial Services
GICS IndustryConsumer FinanceCapital Markets
GICS Sub-IndustryConsumer FinanceAsset Management & Custody Banks
Market Capitalization13.10 billion USD17.80 billion USD
CurrencyUSDUSD
ExchangeNYSENasdaqGS
Listing DateJanuary 28, 2014May 3, 2012
Security TypeCommon StockCommon Stock

ALLY’s market capitalization stands at 13.10 billion USD, while CG’s is 17.80 billion USD, indicating their market valuations are broadly comparable.

Historical Performance

This chart compares the performance of ALLY and CG 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
CG
Loading price history…
ALLY vs. CG: Growth of a $10,000 investment over the past five years.

Historical Performance at a Glance

SymbolALLYCG
5-Day Price Return-1.09%-3.57%
13-Week Price Return1.02%-15.76%
26-Week Price Return8.53%-4.54%
52-Week Price Return23.49%17.65%
Month-to-Date Return-3.72%-1.22%
Year-to-Date Return-5.63%-16.33%
10-Day Avg. Volume3.00M3.78M
3-Month Avg. Volume3.74M3.25M
3-Month Volatility34.50%43.23%
Beta1.141.89

CG carries a higher beta at 1.89, indicating it’s more sensitive to market moves, while ALLY (beta: 1.14) exhibits greater stability.

Profitability

Return on Equity (TTM)

ALLY

9.19%

Consumer Finance Industry
Max
51.03%
Q3
27.02%
Median
12.22%
Q1
5.40%
Min
-10.77%

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.

CG

9.65%

Capital Markets Industry
Max
42.00%
Q3
24.20%
Median
15.76%
Q1
9.65%
Min
-1.86%

CG’s Return on Equity of 9.65% is on par with the norm for the Capital Markets industry, indicating its profitability relative to shareholder equity is typical for the sector.

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

Net Profit Margin (TTM)

ALLY

13.26%

Consumer Finance Industry
Max
21.61%
Q3
14.32%
Median
12.58%
Q1
-0.20%
Min
-19.79%

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.

CG

13.46%

Capital Markets Industry
Max
52.42%
Q3
30.06%
Median
19.06%
Q1
9.65%
Min
-11.90%

CG’s Net Profit Margin of 13.46% is aligned with the median group of its peers in the Capital Markets industry. This indicates its ability to convert revenue into profit is typical for the sector.

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

Operating Profit Margin (TTM)

ALLY

15.87%

Consumer Finance Industry
Max
44.38%
Q3
19.70%
Median
15.87%
Q1
2.53%
Min
-19.92%

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.

CG

18.76%

Capital Markets Industry
Max
64.75%
Q3
39.58%
Median
24.96%
Q1
17.33%
Min
-6.51%

CG’s Operating Profit Margin of 18.76% is around the midpoint for the Capital Markets industry, indicating that its efficiency in managing core business operations is typical for the sector.

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

Profitability at a Glance

SymbolALLYCG
Return on Equity (TTM)9.19%9.65%
Return on Assets (TTM)0.72%1.97%
Net Profit Margin (TTM)13.26%13.46%
Operating Profit Margin (TTM)15.87%18.76%
Gross Profit Margin (TTM)--70.23%

Financial Strength

Current Ratio (MRQ)

ALLY

--

Consumer Finance Industry
Max
6.03
Q3
2.67
Median
0.53
Q1
0.27
Min
0.03

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

CG

0.59

Capital Markets Industry
Max
2.75
Q3
1.52
Median
1.06
Q1
0.68
Min
0.01

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

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

Debt-to-Equity Ratio (MRQ)

ALLY

1.15

Consumer Finance Industry
Max
6.72
Q3
5.15
Median
2.43
Q1
0.99
Min
0.13

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

CG

2.62

Capital Markets Industry
Max
6.80
Q3
3.11
Median
0.98
Q1
0.24
Min
0.00

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

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

Interest Coverage Ratio (TTM)

ALLY

--

Consumer Finance Industry
Max
12.36
Q3
6.73
Median
2.18
Q1
1.16
Min
-0.79

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

CG

97.47

Capital Markets Industry
Max
97.47
Q3
45.92
Median
10.08
Q1
3.98
Min
-42.50

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

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

Financial Strength at a Glance

SymbolALLYCG
Current Ratio (MRQ)--0.59
Quick Ratio (MRQ)--0.59
Debt-to-Equity Ratio (MRQ)1.152.62
Interest Coverage Ratio (TTM)--97.47

Growth

Revenue Growth

ALLY vs. CG: A comparison of their Revenue Growth across different time periods.

Revenue Growth at a Glance

SymbolALLYCG
Revenue Growth (MRQ vs Prior YoY)30.21%-73.90%
Revenue Growth (TTM vs Prior YoY)37.40%-28.89%
3-Year Revenue CAGR2.52%2.50%
5-Year Revenue CAGR5.00%10.25%

EPS Growth

ALLY vs. CG: A comparison of their EPS Growth across different time periods.

EPS Growth at a Glance

SymbolALLYCG
EPS Growth (MRQ vs Prior YoY)----
EPS Growth (TTM vs Prior YoY)387.77%-50.57%
3-Year EPS CAGR-20.32%-13.34%
5-Year EPS CAGR-1.11%17.55%

Dividend

Dividend Yield (TTM)

ALLY

3.62%

Consumer Finance Industry
Max
3.62%
Q3
1.69%
Median
0.36%
Q1
0.00%
Min
0.00%

With a Dividend Yield of 3.62%, ALLY offers a more attractive income stream than most of its peers in the Consumer Finance industry, signaling a strong commitment to shareholder returns.

CG

2.83%

Capital Markets Industry
Max
7.73%
Q3
3.69%
Median
1.89%
Q1
0.71%
Min
0.00%

CG’s Dividend Yield of 2.83% is consistent with its peers in the Capital Markets industry, providing a dividend return that is standard for its sector.

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

Dividend Payout Ratio (TTM)

ALLY

35.17%

Consumer Finance Industry
Max
35.17%
Q3
24.47%
Median
5.02%
Q1
0.00%
Min
0.00%

ALLY’s Dividend Payout Ratio of 35.17% is in the upper quartile for the Consumer Finance industry. This indicates a strong commitment to shareholder returns but also suggests that a smaller portion of earnings is retained for reinvestment compared to many peers.

CG

62.46%

Capital Markets Industry
Max
119.67%
Q3
67.19%
Median
36.25%
Q1
16.11%
Min
0.00%

CG’s Dividend Payout Ratio of 62.46% is within the typical range for the Capital Markets industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

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

Dividend at a Glance

SymbolALLYCG
Dividend Yield (TTM)3.62%2.83%
Dividend Payout Ratio (TTM)35.17%62.46%

Valuation

Price-to-Earnings Ratio (TTM)

ALLY

9.71

Consumer Finance Industry
Max
55.58
Q3
29.15
Median
11.98
Q1
7.56
Min
3.48

ALLY’s P/E Ratio of 9.71 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.

CG

32.69

Capital Markets Industry
Max
52.46
Q3
29.32
Median
20.02
Q1
13.57
Min
1.10

A P/E Ratio of 32.69 places CG in the upper quartile for the Capital Markets industry. This high valuation relative to peers suggests the market holds elevated expectations for the company’s future growth.

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

Price-to-Sales Ratio (TTM)

ALLY

0.89

Consumer Finance Industry
Max
3.35
Q3
2.32
Median
1.33
Q1
0.81
Min
0.34

ALLY’s P/S Ratio of 0.89 aligns with the market consensus for the Consumer Finance industry. This suggests its valuation, based on sales, is seen as standard and is on par with its competitors.

CG

4.40

Capital Markets Industry
Max
13.39
Q3
6.72
Median
3.57
Q1
2.10
Min
0.07

CG’s P/S Ratio of 4.40 aligns with the market consensus for the Capital Markets industry. This suggests its valuation, based on sales, is seen as standard and is on par with its competitors.

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

Price-to-Book Ratio (MRQ)

ALLY

0.77

Consumer Finance Industry
Max
5.33
Q3
2.92
Median
1.34
Q1
0.95
Min
0.20

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.

CG

3.23

Capital Markets Industry
Max
9.08
Q3
5.48
Median
3.37
Q1
1.83
Min
0.50

CG’s P/B Ratio of 3.23 is within the conventional range for the Capital Markets 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. CG: A comparison of their Price-to-Book Ratio (MRQ) against their respective Consumer Finance and Capital Markets industry benchmarks.

Valuation at a Glance

SymbolALLYCG
Price-to-Earnings Ratio (TTM)9.7132.69
Price-to-Sales Ratio (TTM)0.894.40
Price-to-Book Ratio (MRQ)0.773.23
Price-to-Free Cash Flow Ratio (TTM)20.3616.75