ALLY vs. EG: A Head-to-Head Stock Comparison
Updated onHere’s a clear look at ALLY and EG, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.
Company Overview
ALLY’s market capitalization stands at 12.66 billion USD, while EG’s is 14.35 billion USD, indicating their market valuations are broadly comparable.
ALLY’s beta of 1.12 points to significantly higher volatility compared to EG (beta: 0.52), suggesting ALLY has greater potential for both gains and losses relative to market movements.
| Symbol | ALLY | EG |
|---|---|---|
| Company Name | Ally Financial Inc. | Everest Re Group, Ltd. |
| Country | US | BM |
| Sector | Financial Services | Financial Services |
| Industry | Financial - Credit Services | Insurance - Reinsurance |
| CEO | Michael G. Rhodes | Mark Kociancic |
| Price | 41.21 USD | 337.48 USD |
| Market Cap | 12.66 billion USD | 14.35 billion USD |
| Beta | 1.12 | 0.52 |
| Exchange | NYSE | NYSE |
| IPO Date | January 28, 2014 | October 3, 1995 |
| ADR | No | No |
Historical Performance
This chart compares the performance of ALLY and EG 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.
EG
5.91%
Insurance - Reinsurance Industry
- Max
- 18.30%
- Q3
- 14.16%
- Median
- 8.39%
- Q1
- 7.08%
- Min
- 5.91%
EG’s Return on Equity of 5.91% is in the lower quartile for the Insurance - Reinsurance 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.
EG
7.42%
Insurance - Reinsurance Industry
- Max
- 126.30%
- Q3
- 60.66%
- Median
- 7.25%
- Q1
- 3.18%
- Min
- 0.62%
Return on Invested Capital is often not a primary measure of capital efficiency in the Insurance - Reinsurance 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.
EG
4.89%
Insurance - Reinsurance Industry
- Max
- 21.27%
- Q3
- 12.90%
- Median
- 9.40%
- Q1
- 5.62%
- Min
- 3.77%
Falling into the lower quartile for the Insurance - Reinsurance industry, EG’s Net Profit Margin of 4.89% 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.
EG
4.12%
Insurance - Reinsurance Industry
- Max
- 17.83%
- Q3
- 15.41%
- Median
- 8.11%
- Q1
- 5.86%
- Min
- 4.12%
EG’s Operating Profit Margin of 4.12% is in the lower quartile for the Insurance - Reinsurance industry. This indicates weaker profitability from core operations, which may stem from inefficiencies or competitive pressures on pricing.
Profitability at a Glance
| Symbol | ALLY | EG |
|---|---|---|
| Return on Equity (TTM) | 2.02% | 5.91% |
| Return on Assets (TTM) | 0.15% | 1.46% |
| Return on Invested Capital (TTM) | 0.72% | 7.42% |
| Net Profit Margin (TTM) | 1.82% | 4.89% |
| Operating Profit Margin (TTM) | 2.43% | 4.12% |
| Gross Profit Margin (TTM) | 42.12% | 100.00% |
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.
EG
9.00
Insurance - Reinsurance Industry
- Max
- --
- Q3
- --
- Median
- --
- Q1
- --
- Min
- --
EG has a Current Ratio of 9.00, but industry benchmarks for the Insurance - Reinsurance sector are currently unavailable for comparison.
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.
EG
--
Insurance - Reinsurance Industry
- Max
- --
- Q3
- --
- Median
- --
- Q1
- --
- Min
- --
Debt-to-Equity Ratio data for EG is currently unavailable.
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.
EG
4.77
Insurance - Reinsurance Industry
- Max
- 22.46
- Q3
- 18.27
- Median
- 5.57
- Q1
- 4.93
- Min
- 3.41
In the lower quartile for the Insurance - Reinsurance industry, EG’s Interest Coverage Ratio of 4.77 indicates a tighter cushion for servicing debt, suggesting less financial flexibility than many of its competitors.
Financial Strength at a Glance
| Symbol | ALLY | EG |
|---|---|---|
| Current Ratio (TTM) | 0.20 | 9.00 |
| Quick Ratio (TTM) | 0.20 | 9.00 |
| Debt-to-Equity Ratio (TTM) | 1.40 | -- |
| Debt-to-Asset Ratio (TTM) | 0.10 | -- |
| Net Debt-to-EBITDA Ratio (TTM) | 5.83 | -71.23 |
| Interest Coverage Ratio (TTM) | 0.05 | 4.77 |
Growth
The following charts compare key year-over-year (YoY) growth metrics for ALLY and EG. 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.
EG
2.37%
Insurance - Reinsurance Industry
- Max
- 2.38%
- Q3
- 1.52%
- Median
- 0.33%
- Q1
- 0.00%
- Min
- 0.00%
With a Dividend Yield of 2.37%, EG offers a more attractive income stream than most of its peers in the Insurance - Reinsurance industry, signaling a strong commitment to shareholder returns.
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.
EG
40.35%
Insurance - Reinsurance Industry
- Max
- 40.35%
- Q3
- 23.76%
- Median
- 7.09%
- Q1
- 1.73%
- Min
- 0.00%
EG’s Dividend Payout Ratio of 40.35% is in the upper quartile for the Insurance - Reinsurance 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.
Dividend at a Glance
| Symbol | ALLY | EG |
|---|---|---|
| Dividend Yield (TTM) | 2.91% | 2.37% |
| Dividend Payout Ratio (TTM) | 169.58% | 40.35% |
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.
EG
16.95
Insurance - Reinsurance Industry
- Max
- 16.92
- Q3
- 16.06
- Median
- 12.86
- Q1
- 8.23
- Min
- 5.12
At 16.95, EG’s P/E Ratio is exceptionally high, exceeding the typical maximum for the Insurance - Reinsurance industry. This suggests the stock may be significantly overvalued compared to its peers and implies high market expectations that could be difficult to meet.
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.
EG
0.71
Insurance - Reinsurance Industry
- Max
- 1.52
- Q3
- 1.04
- Median
- 0.71
- Q1
- 0.38
- Min
- 0.20
EG’s Forward PEG Ratio of 0.71 is within the middle range of its peers in the Insurance - Reinsurance 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.
EG
0.83
Insurance - Reinsurance Industry
- Max
- 1.18
- Q3
- 1.07
- Median
- 0.91
- Q1
- 0.83
- Min
- 0.62
The P/S Ratio is often not a primary valuation tool in the Insurance - Reinsurance 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.
EG
1.02
Insurance - Reinsurance Industry
- Max
- 1.19
- Q3
- 1.18
- Median
- 1.08
- Q1
- 0.93
- Min
- 0.73
EG’s P/B Ratio of 1.02 is within the conventional range for the Insurance - Reinsurance 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 | EG |
|---|---|---|
| Price-to-Earnings Ratio (P/E, TTM) | 44.52 | 16.95 |
| Forward PEG Ratio (TTM) | 1.44 | 0.71 |
| Price-to-Sales Ratio (P/S, TTM) | 0.81 | 0.83 |
| Price-to-Book Ratio (P/B, TTM) | 0.89 | 1.02 |
| Price-to-Free Cash Flow Ratio (P/FCF, TTM) | 20.03 | 2.93 |
| EV-to-EBITDA (TTM) | 13.59 | 581.26 |
| EV-to-Sales (TTM) | 1.41 | 0.74 |