` Comparison: ALLY, BAJFINANCE - Alpha Spread

ALLY
vs
BAJFINANCE

Over the past 12 months, ALLY has underperformed BAJFINANCE, delivering a return of +10% compared to the BAJFINANCE's +58% growth.

Valuation Growth Profitability Solvency Stocks Performance
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ALLY
BAJFINANCE
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Stocks Compared:
ALLY BAJFINANCE
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Valuation Comparison

ALLY Intrinsic Value
80.59 USD
Undervaluation 47%
Intrinsic Value
Price
BAJFINANCE Intrinsic Value
893.78 INR
Overvaluation 15%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Ally Financial Inc
NYSE:ALLY
42.53 USD
Bajaj Finance Ltd
NSE:BAJFINANCE
1 048 INR
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Valuation Scenario:
Bear Case
Base Case
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Growth Comparison

Growth Over Time
ALLY, BAJFINANCE

ALLY
BAJFINANCE
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
Ally Financial Inc
Revenue
Bajaj Finance Ltd
Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
ALLY, BAJFINANCE

ALLY
BAJFINANCE
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
Ally Financial Inc
NYSE:ALLY
FCF is not applicable for financial companies
Bajaj Finance Ltd
NSE:BAJFINANCE
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What is Free Cash Flow?

Gross Margin

ALLY
BAJFINANCE
60.5%
LTM 3Y Avg 5Y Avg 10Y Avg
Ally Financial Inc
Not applicable for financial companies
Bajaj Finance Ltd

Operating Margin

ALLY
BAJFINANCE
43%
LTM 3Y Avg 5Y Avg 10Y Avg
Ally Financial Inc
Not applicable for financial companies
Bajaj Finance Ltd

Net Margin

ALLY
3.2%
BAJFINANCE
24.2%

FCF Margin

ALLY
BAJFINANCE
-87.2%
LTM 3Y Avg 5Y Avg 10Y Avg
Ally Financial Inc
Not applicable for financial companies
Bajaj Finance Ltd

ROE

ALLY
1.8%
BAJFINANCE
19.3%

ROA

ALLY
0.1%
BAJFINANCE
3.9%

ROIC

ALLY
BAJFINANCE
5.5%
LTM 3Y Avg 5Y Avg 10Y Avg
Ally Financial Inc
Not applicable for financial companies
Bajaj Finance Ltd

ROCE

ALLY
BAJFINANCE
8.3%
LTM 3Y Avg 5Y Avg 10Y Avg
Ally Financial Inc
Not applicable for financial companies
Bajaj Finance Ltd

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
ALLY, BAJFINANCE

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BAJFINANCE
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1Y 3Y 5Y 10Y 15Y 20Y
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Performance Gap
ALLY, BAJFINANCE

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ALLY
BAJFINANCE
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
ALLY, BAJFINANCE

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BAJFINANCE
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