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ALLY vs. FRHC: Ally Financial vs. Freedom Stock Comparison

How do Ally Financial (ALLY) and Freedom (FRHC) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.

Company Profile

Ally Financial (ALLY) and Freedom (FRHC) both fall under the Financial Services industry group, but ALLY is classified in Consumer Finance while FRHC is classified in Capital Markets.

Company profile comparison for Ally Financial (ALLY) and Freedom (FRHC)
Profile ItemALLYFRHC
NameAlly Financial Inc.Freedom Holding Corp.
Country/RegionUnited StatesUnited States
GICS SectorFinancialsFinancials
GICS Industry GroupFinancial ServicesFinancial Services
GICS IndustryConsumer FinanceCapital Markets
GICS Sub-IndustryConsumer FinanceInvestment Banking & Brokerage
Market Capitalization11.45 billion USD11.41 billion USD
CurrencyUSDUSD
ExchangeNYSENasdaq
Listing DateJanuary 28, 2014February 7, 2018
Security TypeCommon StockCommon Stock

Price Performance

Cumulative Growth

ALLY
FRHC
GSPC
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Ally Financial (ALLY) vs. Freedom (FRHC), with S&P 500 (GSPC) for reference: Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for Ally Financial (ALLY) and Freedom (FRHC). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Ally Financial (ALLY) and Freedom (FRHC). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Price performance metrics for Ally Financial (ALLY) and Freedom (FRHC)
MetricALLYFRHC
Total Return (1Y)1.76%18.04%
Total Return (3Y, Annualized)18.37%28.04%
Total Return (5Y, Annualized)-1.28%18.95%

Risk Profile

Drawdown History

ALLY
FRHC
GSPC
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Ally Financial (ALLY) vs. Freedom (FRHC), with S&P 500 (GSPC) for reference: Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for Ally Financial (ALLY) and Freedom (FRHC). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for Ally Financial (ALLY) and Freedom (FRHC)
MetricALLYFRHC
Volatility (1Y, Annualized)28.62%47.01%
Beta (5Y)1.150.71
Max Drawdown (5Y)-55.89%-45.80%
Avg. Volume (3M)3.74M108.35K

Risk-Adjusted Performance

Risk-Return Positioning

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ALLY and FRHC are plotted by 1-year volatility (risk) and 1-year return. The dashed Capital Allocation Line runs from the risk-free rate through the shared industry median.

Risk-Adjusted Metrics

Risk-adjusted metrics for Ally Financial (ALLY) and Freedom (FRHC)
MetricALLYFRHC
Sharpe Ratio (1Y)-0.090.29
Sortino Ratio (1Y)-0.130.45

Profitability

ROE (TTM)

Both Ally Financial (ALLY) at 9.90% and Freedom (FRHC) at 10.68% land near their industries’ usual ROE ranges, so capital efficiency looks broadly in line with peers on both sides.

ALLY

Financial Services industry group

9.90%

Max
44.78%
Q3
21.85%
Median
12.91%
ALLY
9.90%
Q1
4.48%
Min
-18.71%

FRHC

Financial Services industry group

10.68%

Max
44.78%
Q3
21.85%
Median
12.91%
FRHC
10.68%
Q1
4.48%
Min
-18.71%
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Ally Financial (ALLY) vs. Freedom (FRHC): A comparison of their ROE against the Financial Services industry group benchmark.

Net Margin (TTM)

Both Ally Financial (ALLY) at 18.62% and Freedom (FRHC) at 8.43% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.

ALLY

Financial Services industry group

18.62%

Max
62.84%
Q3
28.05%
ALLY
18.62%
Median
15.36%
Q1
4.82%
Min
-28.52%

FRHC

Financial Services industry group

8.43%

Max
62.84%
Q3
28.05%
Median
15.36%
FRHC
8.43%
Q1
4.82%
Min
-28.52%
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Ally Financial (ALLY) vs. Freedom (FRHC): A comparison of their net margin against the Financial Services industry group benchmark.

Operating Margin (TTM)

Ally Financial (ALLY) at 27.31% runs core operations around its industry’s norm, while Freedom (FRHC) at 5.01% operates in the bottom quartile.

ALLY

Financial Services industry group

27.31%

Max
107.33%
Q3
55.90%
Median
30.09%
ALLY
27.31%
Q1
14.60%
Min
-44.34%

FRHC

Financial Services industry group

5.01%

Max
107.33%
Q3
55.90%
Median
30.09%
Q1
14.60%
FRHC
5.01%
Min
-44.34%
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Ally Financial (ALLY) vs. Freedom (FRHC): A comparison of their operating margin against the Financial Services industry group benchmark.

Profitability Metrics

Profitability metrics for Ally Financial (ALLY) and Freedom (FRHC)
MetricALLYFRHC
ROE (TTM)9.90%10.68%
ROA (TTM)0.75%1.24%
Net Margin (TTM)18.62%8.43%
Operating Margin (TTM)27.31%5.01%
Gross Margin (TTM)----

Growth

Revenue Growth

Freedom (FRHC) at 8.97% is around its peer norm for revenue growth, while Ally Financial (ALLY) at -1.43% drops into the bottom quartile, signaling weaker demand or pricing momentum.

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Ally Financial (ALLY) vs. Freedom (FRHC): A comparison of their Revenue Growth across different time periods.

EPS Growth

Freedom (FRHC) at 98.93% sits in the top EPS growth quartile, while Ally Financial (ALLY) at 31.67% is closer to the peer norm — faster per-share earnings growth for FRHC.

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Ally Financial (ALLY) vs. Freedom (FRHC): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for Ally Financial (ALLY) and Freedom (FRHC)
MetricALLYFRHC
Revenue Growth (YoY)-1.43%8.97%
Revenue Growth (3Y CAGR)-1.73%39.61%
EPS Growth (YoY)31.67%98.93%
EPS Growth (3Y CAGR)-22.19%-10.08%

Financial Strength

Current Ratio (MRQ)

current ratio doesn’t apply on either side: Ally Financial (ALLY) in Financial Services and Freedom (FRHC) in Financial Services both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.

Debt / Equity (MRQ)

debt-to-equity ratio is set aside for both: Ally Financial (ALLY) in Financial Services and Freedom (FRHC) in Financial Services run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.

Financial Strength Metrics

Financial strength metrics for Ally Financial (ALLY) and Freedom (FRHC)
MetricALLYFRHC
Current Ratio (MRQ)----
Debt / Equity (MRQ)----
Net Debt / EBITDA----

Dividends

Dividend Yield (TTM)

Freedom (FRHC) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Ally Financial (ALLY) reports a yield of 3.09%, ranking against industry peers normally.

ALLY

Financial Services industry group

3.09%

Max
9.77%
Q3
3.92%
ALLY
3.09%
Median
1.09%
Q1
0.00%
Min
0.00%

FRHC

Financial Services industry group

0.00%

Max
9.77%
Q3
3.92%
Median
1.09%
FRHC
0.00%
Q1
0.00%
Min
0.00%
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Ally Financial (ALLY) vs. Freedom (FRHC): A comparison of their dividend yield against the Financial Services industry group benchmark.

Dividend Payout Ratio (TTM)

Freedom (FRHC) pays no dividend (payout 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Ally Financial (ALLY) reports a payout of 27.46%, ranking against industry peers normally.

ALLY

Financial Services industry group

27.46%

Max
241.07%
Q3
97.36%
ALLY
27.46%
Median
25.77%
Q1
0.00%
Min
0.00%

FRHC

Financial Services industry group

0.00%

Max
241.07%
Q3
97.36%
Median
25.77%
FRHC
0.00%
Q1
0.00%
Min
0.00%
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Ally Financial (ALLY) vs. Freedom (FRHC): A comparison of their payout ratio against the Financial Services industry group benchmark.

Dividend Metrics

Dividend metrics for Ally Financial (ALLY) and Freedom (FRHC)
MetricALLYFRHC
Dividend Yield (TTM)3.09%0.00%
Dividend Payout Ratio (TTM)27.46%0.00%

Valuation

P/E Ratio (TTM)

Ally Financial (ALLY) at 8.73 sits in the cheaper P/E ratio quartile, while Freedom (FRHC) at 70.97 trades above its peer range — a wide earnings-valuation gap relative to industry peers.

ALLY

Financial Services industry group

8.73

Max
45.85
Q3
24.64
Median
15.37
Q1
9.68
ALLY
8.73
Min
0.16

FRHC

Financial Services industry group

70.97

FRHC
70.97
Max
45.85
Q3
24.64
Median
15.37
Q1
9.68
Min
0.16
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Ally Financial (ALLY) vs. Freedom (FRHC): A comparison of their P/E ratio against the Financial Services industry group benchmark.

P/S Ratio (TTM)

Ally Financial (ALLY) at 1.43 is priced about in line with its industry on P/S ratio, while Freedom (FRHC) at 6.51 sits in the pricier quartile — FRHC costs more per dollar of sales.

ALLY

Financial Services industry group

1.43

Max
9.23
Q3
4.57
Median
2.72
ALLY
1.43
Q1
1.28
Min
-0.55

FRHC

Financial Services industry group

6.51

Max
9.23
FRHC
6.51
Q3
4.57
Median
2.72
Q1
1.28
Min
-0.55
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Ally Financial (ALLY) vs. Freedom (FRHC): A comparison of their P/S ratio against the Financial Services industry group benchmark.

P/B Ratio (MRQ)

Ally Financial (ALLY) at 0.88 is valued about in line with its industry on P/B ratio, while Freedom (FRHC) at 7.16 carries an above-peer premium to book — FRHC is pricier on assets.

ALLY

Financial Services industry group

0.88

Max
7.79
Q3
3.63
Median
1.57
ALLY
0.88
Q1
0.81
Min
-0.39

FRHC

Financial Services industry group

7.16

Max
7.79
FRHC
7.16
Q3
3.63
Median
1.57
Q1
0.81
Min
-0.39
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Ally Financial (ALLY) vs. Freedom (FRHC): A comparison of their P/B ratio against the Financial Services industry group benchmark.

Valuation Metrics

Valuation metrics for Ally Financial (ALLY) and Freedom (FRHC)
MetricALLYFRHC
P/E Ratio (TTM)8.7370.97
P/S Ratio (TTM)1.436.51
P/B Ratio (MRQ)0.887.16
Free Cash Flow Yield (TTM)----