Ally Financial vs First Citizens BancShares
ALLY and FCNCA side by side, both in commercial banks. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How ALLY and FCNCA compare
First Citizens BancShares is the larger company, worth 2.3 times as much as Ally Financial ($26.6B against $11.6B).
On earnings, Ally Financial is cheaper: it trades at 9.0× trailing earnings, against 12.6× for First Citizens BancShares.
Ally Financial grew revenue faster over the last twelve months (11.5% versus 0.94% for First Citizens BancShares).
First Citizens BancShares keeps more of each dollar of sales as profit, with a net margin of 24.5% compared with 16.8% at Ally Financial.
Both pay dividends: Ally Financial yields 3.1% and First Citizens BancShares 0.36%.
Ally Financial scores higher on the StockData Score (14 against 13 for First Citizens BancShares), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | ALLY | FCNCA |
|---|---|---|
| Size and price | ||
| Market cap | $11.6B | $26.6B |
| Share price | $38.17 | $2352.64 |
| Change, 1 year | −4.5% | 31.7% |
| Change, 5 years | −22.8% | 176% |
| Beta (5Y) | 1.34 | 1.02 |
| Employees | 11K | 18K |
| StockData Score | ||
| Total score | 14 (better) | 13 |
| Valuation score | 6 (better) | 2 |
| Growth score | 2 | 2 |
| Performance score | 0 | 2 (better) |
| Health score | 3 | 3 |
| Dividend score | 3 | 4 (better) |
| Valuation | ||
| P/E | 9.0× (better) | 12.6× |
| P/S | 1.3× (better) | 2.8× |
| P/B | 0.7× (better) | 1.2× |
| EV/EBITDA | 8.1× | – |
| P/FCF | – | 10.8× |
| PEG | – | 0.36 |
| FCF yield | – | 9.2% |
| Fair value | $50.37 | $2288.61 |
| Margin of safety | 24.2% (better) | −2.8% |
| Growth | ||
| Revenue growth (TTM) | 11.5% (better) | 0.94% |
| Revenue growth, 5Y average | 3.4% | 38.6% (better) |
| Net income growth (TTM) | 236% (better) | −1.8% |
| EPS growth (TTM) | 312% (better) | 10.4% |
| EPS growth, 5Y average | −3.8% | 28.3% (better) |
| Profitability | ||
| Net margin | 16.8% | 24.5% (better) |
| FCF margin | – | 25.6% |
| Return on equity | 9.7% | 10.7% (better) |
| Financial health | ||
| Debt / equity | 1.48 | 1.47 (better) |
| Net debt / EBITDA | 4.59 | – |
| Altman Z-score | 0.09 | 0.24 (better) |
| Piotroski F-score | 4 | 5 (better) |
| Dividends and buybacks | ||
| Dividend yield | 3.1% (better) | 0.36% |
| Payout ratio | 26.2% | 7.9% |
| Years of dividend growth | 0 | 9 (better) |
| Dividend growth, 5Y average | 9.6% | 36.6% (better) |
| Buyback yield | 2.7% | 12.4% (better) |
| Shareholder yield | 5.9% | 12.8% (better) |
| Ownership | ||
| Held by institutions | 95.9% | 59.6% |
| Held by insiders | 0.84% | 15.2% |
| Insider net buying, 12 months | −$733K (better) | −$1.9M |
| Superinvestors holding | 4 (better) | 2 |
| Short interest, % of float | 5.2% | – |
Go deeper
- ALLY stock overview
- ALLY income statement
- ALLY valuation and score
- FCNCA stock overview
- FCNCA income statement
- FCNCA valuation and score
Other comparisons
For information only, not investment advice. Check the source filings before relying on any figure.