ALLY vs. DB: A Head-to-Head Stock Comparison
Updated onHere’s a clear look at ALLY and DB, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.
Company Overview
DB’s market capitalization of 56.80 billion USD is significantly greater than ALLY’s 12.66 billion USD, highlighting its more substantial market valuation.
With betas of 1.12 for ALLY and 1.03 for DB, both stocks show similar sensitivity to overall market movements.
| Symbol | ALLY | DB |
|---|---|---|
| Company Name | Ally Financial Inc. | Deutsche Bank AG |
| Country | US | DE |
| Sector | Financial Services | Financial Services |
| Industry | Financial - Credit Services | Banks - Regional |
| CEO | Michael G. Rhodes | Christian Sewing |
| Price | 41.21 USD | 29.25 USD |
| Market Cap | 12.66 billion USD | 56.80 billion USD |
| Beta | 1.12 | 1.03 |
| Exchange | NYSE | NYSE |
| IPO Date | January 28, 2014 | November 18, 1996 |
| ADR | No | No |
Historical Performance
This chart compares the performance of ALLY and DB 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.
Profitability
Return on Equity
ALLY
2.02%
Financial - Credit Services Industry
- Max
- 34.05%
- Q3
- 18.70%
- Median
- 10.57%
- Q1
- 3.55%
- Min
- -12.12%
ALLY’s Return on Equity of 2.02% is in the lower quartile for the Financial - Credit Services industry. This indicates a less efficient generation of profit from its equity base when compared to its competitors.
DB
4.84%
Banks - Regional Industry
- Max
- 19.20%
- Q3
- 11.87%
- Median
- 9.48%
- Q1
- 6.66%
- Min
- -0.15%
DB’s Return on Equity of 4.84% is in the lower quartile for the Banks - Regional industry. This indicates a less efficient generation of profit from its equity base when compared to its competitors.
Return on Invested Capital
ALLY
0.72%
Financial - Credit Services Industry
- Max
- 68.11%
- Q3
- 32.26%
- Median
- 9.52%
- Q1
- 3.37%
- Min
- -7.03%
Return on Invested Capital is often not a primary measure of capital efficiency in the Financial - Credit Services industry.
DB
-1.05%
Banks - Regional Industry
- Max
- 13.33%
- Q3
- 7.16%
- Median
- 5.31%
- Q1
- 2.87%
- Min
- -3.49%
Return on Invested Capital is often not a primary measure of capital efficiency in the Banks - Regional industry.
Net Profit Margin
ALLY
1.82%
Financial - Credit Services Industry
- Max
- 39.42%
- Q3
- 20.10%
- Median
- 12.91%
- Q1
- 5.82%
- Min
- -14.80%
Falling into the lower quartile for the Financial - Credit Services industry, ALLY’s Net Profit Margin of 1.82% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.
DB
8.96%
Banks - Regional Industry
- Max
- 32.03%
- Q3
- 21.35%
- Median
- 16.99%
- Q1
- 12.69%
- Min
- 0.27%
Falling into the lower quartile for the Banks - Regional industry, DB’s Net Profit Margin of 8.96% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.
Operating Profit Margin
ALLY
2.43%
Financial - Credit Services Industry
- Max
- 77.26%
- Q3
- 42.86%
- Median
- 17.99%
- Q1
- 10.82%
- Min
- -14.94%
ALLY’s Operating Profit Margin of 2.43% is in the lower quartile for the Financial - Credit Services industry. This indicates weaker profitability from core operations, which may stem from inefficiencies or competitive pressures on pricing.
DB
-56.43%
Banks - Regional Industry
- Max
- 40.01%
- Q3
- 26.24%
- Median
- 21.14%
- Q1
- 15.85%
- Min
- 1.50%
DB has a negative Operating Profit Margin of -56.43%. This signifies the company is unprofitable at the operational level, as its core business expenses exceed its revenue.
Profitability at a Glance
| Symbol | ALLY | DB |
|---|---|---|
| Return on Equity (TTM) | 2.02% | 4.84% |
| Return on Assets (TTM) | 0.15% | 0.25% |
| Return on Invested Capital (TTM) | 0.72% | -1.05% |
| Net Profit Margin (TTM) | 1.82% | 8.96% |
| Operating Profit Margin (TTM) | 2.43% | -56.43% |
| Gross Profit Margin (TTM) | 42.12% | 121.15% |
Financial Strength
Current Ratio
ALLY
0.20
Financial - Credit Services Industry
- Max
- 8.15
- Q3
- 4.39
- Median
- 2.62
- Q1
- 1.06
- Min
- 0.15
For the Financial - Credit Services industry, the Current Ratio is often not the most suitable measure of short-term liquidity.
DB
--
Banks - Regional Industry
- Max
- 0.39
- Q3
- 0.22
- Median
- 0.15
- Q1
- 0.10
- Min
- 0.01
For the Banks - Regional industry, the Current Ratio is often not the most suitable measure of short-term liquidity.
Debt-to-Equity Ratio
ALLY
1.40
Financial - Credit Services Industry
- Max
- 4.69
- Q3
- 2.55
- Median
- 1.20
- Q1
- 0.55
- Min
- 0.00
ALLY’s Debt-to-Equity Ratio of 1.40 is typical for the Financial - Credit Services industry, indicating its use of leverage is in line with the sector norm. This suggests a balanced approach to its capital structure.
DB
1.64
Banks - Regional Industry
- Max
- 1.74
- Q3
- 0.81
- Median
- 0.42
- Q1
- 0.18
- Min
- 0.00
DB’s leverage is in the upper quartile of the Banks - Regional industry, with a Debt-to-Equity Ratio of 1.64. While this approach can boost equity growth, it also exposes the company to greater financial vulnerability.
Interest Coverage Ratio
ALLY
0.05
Financial - Credit Services Industry
- Max
- 17.48
- Q3
- 7.42
- Median
- 1.59
- Q1
- 0.38
- Min
- -7.77
The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Financial - Credit Services industry.
DB
-0.65
Banks - Regional Industry
- Max
- 1.58
- Q3
- 0.84
- Median
- 0.59
- Q1
- 0.35
- Min
- -0.35
The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Banks - Regional industry.
Financial Strength at a Glance
| Symbol | ALLY | DB |
|---|---|---|
| Current Ratio (TTM) | 0.20 | -- |
| Quick Ratio (TTM) | 0.20 | -- |
| Debt-to-Equity Ratio (TTM) | 1.40 | 1.64 |
| Debt-to-Asset Ratio (TTM) | 0.10 | 0.09 |
| Net Debt-to-EBITDA Ratio (TTM) | 5.83 | -1.97 |
| Interest Coverage Ratio (TTM) | 0.05 | -0.65 |
Growth
The following charts compare key year-over-year (YoY) growth metrics for ALLY and DB. These metrics are based on the companies’ annual financial reports.
Revenue Growth
Earnings Per Share (EPS) Growth
Free Cash Flow Growth
Dividend
Dividend Yield
ALLY
2.91%
Financial - Credit Services Industry
- Max
- 14.68%
- Q3
- 2.97%
- Median
- 1.03%
- Q1
- 0.00%
- Min
- 0.00%
ALLY’s Dividend Yield of 2.91% is consistent with its peers in the Financial - Credit Services industry, providing a dividend return that is standard for its sector.
DB
2.39%
Banks - Regional Industry
- Max
- 11.72%
- Q3
- 4.07%
- Median
- 3.00%
- Q1
- 1.68%
- Min
- 0.00%
DB’s Dividend Yield of 2.39% is consistent with its peers in the Banks - Regional industry, providing a dividend return that is standard for its sector.
Dividend Payout Ratio
ALLY
169.58%
Financial - Credit Services Industry
- Max
- 169.58%
- Q3
- 38.15%
- Median
- 18.30%
- Q1
- 0.00%
- Min
- 0.00%
ALLY’s Dividend Payout Ratio of 169.58% is above 100%. This means the company is paying out more in dividends than it earned, a practice that is often unsustainable and could indicate a risk to future dividend stability.
DB
0.00%
Banks - Regional Industry
- Max
- 155.35%
- Q3
- 50.05%
- Median
- 34.14%
- Q1
- 18.61%
- Min
- 0.00%
DB 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.
Dividend at a Glance
| Symbol | ALLY | DB |
|---|---|---|
| Dividend Yield (TTM) | 2.91% | 2.39% |
| Dividend Payout Ratio (TTM) | 169.58% | 0.00% |
Valuation
Price-to-Earnings Ratio
ALLY
44.52
Financial - Credit Services Industry
- Max
- 42.04
- Q3
- 25.88
- Median
- 12.28
- Q1
- 9.55
- Min
- 3.09
At 44.52, ALLY’s P/E Ratio is exceptionally high, exceeding the typical maximum for the Financial - Credit Services industry. This suggests the stock may be significantly overvalued compared to its peers and implies high market expectations that could be difficult to meet.
DB
13.31
Banks - Regional Industry
- Max
- 22.32
- Q3
- 15.38
- Median
- 12.31
- Q1
- 10.72
- Min
- 4.30
DB’s P/E Ratio of 13.31 is within the middle range for the Banks - Regional industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.
Forward P/E to Growth Ratio
ALLY
1.44
Financial - Credit Services Industry
- Max
- 2.76
- Q3
- 1.57
- Median
- 0.82
- Q1
- 0.51
- Min
- 0.06
ALLY’s Forward PEG Ratio of 1.44 is within the middle range of its peers in the Financial - Credit Services industry. This suggests a reasonable balance between the stock’s price and its expected growth, aligning with sector valuation norms.
DB
1.68
Banks - Regional Industry
- Max
- 4.03
- Q3
- 2.13
- Median
- 1.25
- Q1
- 0.71
- Min
- 0.02
DB’s Forward PEG Ratio of 1.68 is within the middle range of its peers in the Banks - Regional industry. This suggests a reasonable balance between the stock’s price and its expected growth, aligning with sector valuation norms.
Price-to-Sales Ratio
ALLY
0.81
Financial - Credit Services Industry
- Max
- 6.24
- Q3
- 3.02
- Median
- 1.54
- Q1
- 0.75
- Min
- 0.32
The P/S Ratio is often not a primary valuation tool in the Financial - Credit Services industry.
DB
1.19
Banks - Regional Industry
- Max
- 4.28
- Q3
- 2.76
- Median
- 2.17
- Q1
- 1.71
- Min
- 0.55
The P/S Ratio is often not a primary valuation tool in the Banks - Regional industry.
Price-to-Book Ratio
ALLY
0.89
Financial - Credit Services Industry
- Max
- 3.58
- Q3
- 2.84
- Median
- 1.28
- Q1
- 0.84
- Min
- 0.07
ALLY’s P/B Ratio of 0.89 is within the conventional range for the Financial - Credit Services 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.
DB
0.60
Banks - Regional Industry
- Max
- 1.99
- Q3
- 1.35
- Median
- 1.09
- Q1
- 0.92
- Min
- 0.33
DB’s P/B Ratio of 0.60 is in the lower quartile for the Banks - Regional 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.
Valuation at a Glance
| Symbol | ALLY | DB |
|---|---|---|
| Price-to-Earnings Ratio (P/E, TTM) | 44.52 | 13.31 |
| Forward PEG Ratio (TTM) | 1.44 | 1.68 |
| Price-to-Sales Ratio (P/S, TTM) | 0.81 | 1.19 |
| Price-to-Book Ratio (P/B, TTM) | 0.89 | 0.60 |
| Price-to-Free Cash Flow Ratio (P/FCF, TTM) | 20.03 | -- |
| EV-to-EBITDA (TTM) | 13.59 | 1.42 |
| EV-to-Sales (TTM) | 1.41 | 0.50 |