` Comparison: ALLY, DFS - Alpha Spread

ALLY
vs
DFS

Over the past 12 months, ALLY has outperformed DFS, delivering a return of +19% compared to the DFS's +14% growth.

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

ALLY Intrinsic Value
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DFS Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Ally Financial Inc
NYSE:ALLY
44.49 USD
Discover Financial Services
NYSE:DFS
200.05 USD
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Valuation Scenario:
Bear Case
Base Case
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Growth Comparison

Growth Over Time
ALLY, DFS

ALLY
DFS
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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
Discover Financial Services
Revenue

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

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Profitability Comparison

Free Cash Flow
ALLY, DFS

ALLY
DFS
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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
Discover Financial Services
NYSE:DFS
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

ALLY
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
Ally Financial Inc
Not applicable for financial companies
Discover Financial Services
Not applicable for financial companies

Operating Margin

ALLY
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
Ally Financial Inc
Not applicable for financial companies
Discover Financial Services
Not applicable for financial companies

Net Margin

ALLY
3.2%
DFS
24.9%

FCF Margin

ALLY
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
Ally Financial Inc
Not applicable for financial companies
Discover Financial Services
Not applicable for financial companies

ROE

ALLY
1.8%
DFS
32.8%

ROA

ALLY
0.1%
DFS
3.7%

ROIC

ALLY
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
Ally Financial Inc
Not applicable for financial companies
Discover Financial Services
Not applicable for financial companies

ROCE

ALLY
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
Ally Financial Inc
Not applicable for financial companies
Discover Financial Services
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
ALLY, DFS

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

Performance Gap Between ALLY and DFS
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Performance By Year
ALLY, DFS

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ALLY
DFS
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