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ALLY vs MA

ALLY
Ally Financial Inc.
BULLISH
Price
$42.24
Market Cap
$13.06B
Sector
Financial Services
AI Confidence
75%
MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
ALLY
17.97
MA
30.28
Forward P/E
ALLY
6.67
MA
22.05
P/B Ratio
ALLY
0.99
MA
57.74
P/S Ratio
ALLY
1.77
MA
13.6
EV/EBITDA
ALLY
--
MA
22.13

Profitability

Gross Margin
ALLY
0.0%
MA
100.0%
Operating Margin
ALLY
20.4%
MA
57.73%
Profit Margin
ALLY
11.55%
MA
45.65%
ROE
ALLY
5.8%
MA
209.91%
ROA
ALLY
0.44%
MA
23.72%

Growth

Revenue Growth
ALLY
12.0%
MA
17.6%
Earnings Growth
ALLY
265.4%
MA
24.2%

Financial Health

Debt/Equity
ALLY
--
MA
2.56
Current Ratio
ALLY
--
MA
1.03
Quick Ratio
ALLY
--
MA
0.68

Dividends

Dividend Yield
ALLY
2.82%
MA
0.7%
Payout Ratio
ALLY
50.63%
MA
18.4%

AI Verdict

ALLY BULLISH

Ally Financial exhibits a stable health profile with a Piotroski F-Score of 4/9 and is significantly undervalued relative to its Graham Number ($47.52) and Intrinsic Value ($69.33). The company shows explosive earnings growth (265.4% YoY) and a highly attractive Forward P/E of 6.67 and PEG of 0.47. While low ROE (5.8%) and a bearish technical trend (0/100) present short-term headwinds, the fundamental valuation gap provides a substantial margin of safety. The stock is currently trading below book value (P/B 0.99), suggesting a strong entry point for value-oriented investors.

Strengths
Significant undervaluation relative to Graham Number ($47.52) and Intrinsic Value ($69.33)
Exceptional earnings growth (265.4% YoY) and strong quarterly beat record
Highly attractive valuation metrics including a Forward P/E of 6.67 and PEG of 0.47
Risks
Weak profitability efficiency with low ROE (5.8%) and ROA (0.44%)
Bearish technical trend (0/100) indicating short-term price pressure
High volatility in quarterly earnings, evidenced by a massive miss in April 2025
MA NEUTRAL

MA shows neutral fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Mixed signals with both opportunities and risks present.

Strengths
Strong profitability (45.6% margin)
Strong revenue growth of 17.6%
Strong ROE of 209.9%
Risks
High valuation with P/E of 30.3
Premium vs Graham Number ($56.68)
High debt burden with D/E of 2.56

Compare Another Pair

ALLY vs MA: Head-to-Head Comparison

This page compares Ally Financial Inc. (ALLY) and Mastercard Incorporated (MA) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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