ALLY vs. FNF: A Head-to-Head Stock Comparison
Updated onHere’s a clear look at ALLY and FNF, 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 FNF’s is 15.93 billion USD, indicating their market valuations are broadly comparable.
With betas of 1.12 for ALLY and 1.07 for FNF, both stocks show similar sensitivity to overall market movements.
| Symbol | ALLY | FNF |
|---|---|---|
| Company Name | Ally Financial Inc. | Fidelity National Financial, Inc. |
| Country | US | US |
| Sector | Financial Services | Financial Services |
| Industry | Financial - Credit Services | Insurance - Specialty |
| CEO | Michael G. Rhodes | Michael Joseph Nolan |
| Price | 41.21 USD | 57.99 USD |
| Market Cap | 12.66 billion USD | 15.93 billion USD |
| Beta | 1.12 | 1.07 |
| Exchange | NYSE | NYSE |
| IPO Date | January 28, 2014 | October 14, 2005 |
| ADR | No | No |
Historical Performance
This chart compares the performance of ALLY and FNF 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.
FNF
3.68%
Insurance - Specialty Industry
- Max
- 17.02%
- Q3
- 13.02%
- Median
- 9.84%
- Q1
- 3.68%
- Min
- -1.33%
FNF’s Return on Equity of 3.68% is on par with the norm for the Insurance - Specialty industry, indicating its profitability relative to shareholder equity is typical for the sector.
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.
FNF
0.53%
Insurance - Specialty Industry
- Max
- 18.07%
- Q3
- 17.85%
- Median
- 5.41%
- Q1
- 0.53%
- Min
- -13.42%
Return on Invested Capital is often not a primary measure of capital efficiency in the Insurance - Specialty 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.
FNF
2.60%
Insurance - Specialty Industry
- Max
- 72.27%
- Q3
- 46.34%
- Median
- 11.37%
- Q1
- 2.45%
- Min
- -18.16%
FNF’s Net Profit Margin of 2.60% is aligned with the median group of its peers in the Insurance - Specialty industry. This indicates its ability to convert revenue into profit is typical for the sector.
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.
FNF
5.12%
Insurance - Specialty Industry
- Max
- 77.92%
- Q3
- 42.01%
- Median
- 16.88%
- Q1
- 6.78%
- Min
- -26.20%
FNF’s Operating Profit Margin of 5.12% is in the lower quartile for the Insurance - Specialty industry. This indicates weaker profitability from core operations, which may stem from inefficiencies or competitive pressures on pricing.
Profitability at a Glance
| Symbol | ALLY | FNF |
|---|---|---|
| Return on Equity (TTM) | 2.02% | 3.68% |
| Return on Assets (TTM) | 0.15% | 0.29% |
| Return on Invested Capital (TTM) | 0.72% | 0.53% |
| Net Profit Margin (TTM) | 1.82% | 2.60% |
| Operating Profit Margin (TTM) | 2.43% | 5.12% |
| Gross Profit Margin (TTM) | 42.12% | 57.37% |
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.
FNF
2.99
Insurance - Specialty Industry
- Max
- 4.41
- Q3
- 4.06
- Median
- 2.04
- Q1
- 1.68
- Min
- 0.54
FNF’s Current Ratio of 2.99 aligns with the median group of the Insurance - Specialty industry, indicating that its short-term liquidity is in line with its sector peers.
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.
FNF
0.60
Insurance - Specialty Industry
- Max
- 0.60
- Q3
- 0.54
- Median
- 0.45
- Q1
- 0.37
- Min
- 0.18
FNF’s leverage is in the upper quartile of the Insurance - Specialty industry, with a Debt-to-Equity Ratio of 0.60. 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.
FNF
2.55
Insurance - Specialty Industry
- Max
- 23.46
- Q3
- 15.46
- Median
- 8.42
- Q1
- 2.55
- Min
- -1.27
FNF’s Interest Coverage Ratio of 2.55 is positioned comfortably within the norm for the Insurance - Specialty industry, indicating a standard and healthy capacity to cover its interest payments.
Financial Strength at a Glance
| Symbol | ALLY | FNF |
|---|---|---|
| Current Ratio (TTM) | 0.20 | 2.99 |
| Quick Ratio (TTM) | 0.20 | 2.99 |
| Debt-to-Equity Ratio (TTM) | 1.40 | 0.60 |
| Debt-to-Asset Ratio (TTM) | 0.10 | 0.05 |
| Net Debt-to-EBITDA Ratio (TTM) | 5.83 | 0.65 |
| Interest Coverage Ratio (TTM) | 0.05 | 2.55 |
Growth
The following charts compare key year-over-year (YoY) growth metrics for ALLY and FNF. 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.
FNF
3.41%
Insurance - Specialty Industry
- Max
- 10.30%
- Q3
- 2.78%
- Median
- 1.95%
- Q1
- 0.68%
- Min
- 0.00%
With a Dividend Yield of 3.41%, FNF offers a more attractive income stream than most of its peers in the Insurance - Specialty 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.
FNF
188.77%
Insurance - Specialty Industry
- Max
- 209.02%
- Q3
- 100.49%
- Median
- 23.78%
- Q1
- 15.35%
- Min
- 0.00%
FNF’s Dividend Payout Ratio of 188.77% 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.
Dividend at a Glance
| Symbol | ALLY | FNF |
|---|---|---|
| Dividend Yield (TTM) | 2.91% | 3.41% |
| Dividend Payout Ratio (TTM) | 169.58% | 188.77% |
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.
FNF
55.55
Insurance - Specialty Industry
- Max
- 18.48
- Q3
- 18.26
- Median
- 12.63
- Q1
- 9.09
- Min
- 8.06
At 55.55, FNF’s P/E Ratio is exceptionally high, exceeding the typical maximum for the Insurance - Specialty 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.
FNF
3.09
Insurance - Specialty Industry
- Max
- 3.02
- Q3
- 2.50
- Median
- 1.72
- Q1
- 1.36
- Min
- 0.01
FNF’s Forward PEG Ratio of 3.09 is exceptionally high for the Insurance - Specialty industry. This suggests its stock price is very high relative to its expected earnings growth, signaling significant overvaluation risk.
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.
FNF
1.45
Insurance - Specialty Industry
- Max
- 6.15
- Q3
- 4.50
- Median
- 2.42
- Q1
- 1.42
- Min
- 0.46
The P/S Ratio is often not a primary valuation tool in the Insurance - Specialty 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.
FNF
2.01
Insurance - Specialty Industry
- Max
- 3.20
- Q3
- 1.96
- Median
- 1.42
- Q1
- 1.10
- Min
- 0.39
FNF’s P/B Ratio of 2.01 is in the upper tier for the Insurance - Specialty 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.
Valuation at a Glance
| Symbol | ALLY | FNF |
|---|---|---|
| Price-to-Earnings Ratio (P/E, TTM) | 44.52 | 55.55 |
| Forward PEG Ratio (TTM) | 1.44 | 3.09 |
| Price-to-Sales Ratio (P/S, TTM) | 0.81 | 1.45 |
| Price-to-Book Ratio (P/B, TTM) | 0.89 | 2.01 |
| Price-to-Free Cash Flow Ratio (P/FCF, TTM) | 20.03 | 2.54 |
| EV-to-EBITDA (TTM) | 13.59 | 24.18 |
| EV-to-Sales (TTM) | 1.41 | 1.49 |