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

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

Company Profile

SymbolALLYCRCL
Company NameAlly Financial Inc.Circle Internet Group
CountryUnited StatesUnited States
GICS SectorFinancialsInformation Technology
GICS IndustryConsumer FinanceSoftware
Market Capitalization12.53 billion USD33.90 billion USD
ExchangeNYSENYSE
Listing DateJanuary 28, 2014June 5, 2025
Security TypeCommon StockCommon Stock

Historical Performance

This chart compares the performance of ALLY and CRCL 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. CRCL: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

SymbolALLYCRCL
5-Day Price Return6.40%-7.39%
13-Week Price Return20.01%--
26-Week Price Return4.14%--
52-Week Price Return-2.79%--
Month-to-Date Return7.58%-31.76%
Year-to-Date Return13.08%50.47%
10-Day Avg. Volume2.68M14.96M
3-Month Avg. Volume3.59M26.15M
3-Month Volatility25.43%--
Beta1.21-5.55

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.

CRCL

--

Software Industry

Max
59.01%
Q3
21.98%
Median
7.15%
Q1
-11.12%
Min
-51.24%

Return on Equity data for CRCL is currently unavailable.

ALLY vs. CRCL: A comparison of their Return on Equity (TTM) against their respective Consumer Finance and Software 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.

CRCL

-8.98%

Software Industry

Max
48.14%
Q3
18.23%
Median
5.60%
Q1
-9.22%
Min
-49.36%

CRCL has a negative Net Profit Margin of -8.98%, indicating the company is operating at a net loss as its expenses exceeded its revenues.

ALLY vs. CRCL: A comparison of their Net Profit Margin (TTM) against their respective Consumer Finance and Software 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.

CRCL

-2.10%

Software Industry

Max
57.34%
Q3
20.60%
Median
7.84%
Q1
-8.72%
Min
-51.37%

CRCL has a negative Operating Profit Margin of -2.10%. This signifies the company is unprofitable at the operational level, as its core business expenses exceed its revenue.

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

Profitability at a Glance

SymbolALLYCRCL
Return on Equity (TTM)2.40%--
Return on Assets (TTM)0.18%--
Net Profit Margin (TTM)13.26%-8.98%
Operating Profit Margin (TTM)15.87%-2.10%
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.

CRCL

1.03

Software Industry

Max
3.83
Q3
2.31
Median
1.45
Q1
1.03
Min
0.24

CRCL’s Current Ratio of 1.03 falls into the lower quartile for the Software industry. This indicates a tighter liquidity situation and a more constrained capacity to handle short-term debt than many of its competitors.

ALLY vs. CRCL: A comparison of their Current Ratio (MRQ) against their respective Consumer Finance and Software 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.

CRCL

0.09

Software Industry

Max
2.14
Q3
0.90
Median
0.29
Q1
0.00
Min
0.00

CRCL’s Debt-to-Equity Ratio of 0.09 is typical for the Software industry, indicating its use of leverage is in line with the sector norm. This suggests a balanced approach to its capital structure.

ALLY vs. CRCL: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Consumer Finance and Software 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.

CRCL

--

Software Industry

Max
67.02
Q3
19.86
Median
0.70
Q1
-12.50
Min
-53.00

Interest Coverage Ratio data for CRCL is currently unavailable.

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

Financial Strength at a Glance

SymbolALLYCRCL
Current Ratio (MRQ)--1.03
Quick Ratio (MRQ)--1.03
Debt-to-Equity Ratio (MRQ)1.360.09
Interest Coverage Ratio (TTM)----

Growth

Revenue Growth

ALLY vs. CRCL: 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. CRCL: 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.

CRCL

0.00%

Software Industry

Max
0.08%
Q3
0.03%
Median
0.00%
Q1
0.00%
Min
0.00%

CRCL currently does not pay a dividend, resulting in a yield of 0%. This is a common strategy for growth-focused companies that prioritize reinvesting earnings, though it may be less typical in mature, income-oriented sectors.

ALLY vs. CRCL: A comparison of their Dividend Yield (TTM) against their respective Consumer Finance and Software 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.

CRCL

0.00%

Software Industry

Max
1.32%
Q3
0.53%
Median
0.00%
Q1
0.00%
Min
0.00%

CRCL has a Dividend Payout Ratio of 0%, indicating it does not currently pay a dividend. This is a common strategy for growth-oriented companies that reinvest all profits back into the business.

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

Dividend at a Glance

SymbolALLYCRCL
Dividend Yield (TTM)4.13%0.00%
Dividend Payout Ratio (TTM)33.71%0.00%

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.

CRCL

--

Software Industry

Max
149.35
Q3
100.21
Median
47.97
Q1
26.77
Min
11.68

P/E Ratio data for CRCL is currently unavailable.

ALLY vs. CRCL: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Consumer Finance and Software 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.

CRCL

10.95

Software Industry

Max
25.24
Q3
13.52
Median
8.15
Q1
4.87
Min
0.98

CRCL’s P/S Ratio of 10.95 aligns with the market consensus for the Software industry. This suggests its valuation, based on sales, is seen as standard and is on par with its competitors.

ALLY vs. CRCL: A comparison of their Price-to-Sales Ratio (TTM) against their respective Consumer Finance and Software 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.

CRCL

17.02

Software Industry

Max
30.95
Q3
14.91
Median
7.75
Q1
3.60
Min
0.38

CRCL’s P/B Ratio of 17.02 is in the upper tier for the Software industry. This indicates that investors are paying a premium relative to the company’s net assets, a valuation that hinges on its ability to generate superior profits.

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

Valuation at a Glance

SymbolALLYCRCL
Price-to-Earnings Ratio (TTM)34.24--
Price-to-Sales Ratio (TTM)0.8910.95
Price-to-Book Ratio (MRQ)0.8217.02
Price-to-Free Cash Flow Ratio (TTM)13.7965.02