Ally Financial vs First American Financial
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KIRAβs take AI analyst
I put Ally Financial and First American Financial side by side, using each oneβs latest annual report. Here is what stands out:
- Ally Financial is the larger business, with $7.9B of revenue in fiscal 2025 against $7.5B for First American Financial.
- First American Financial grew revenue faster (21.6%, against β3.3%).
- Investors pay more for each dollar of Ally Financialβs earnings: a P/E of 9.1x against 9.0x for First American Financial.
Who comes out ahead
Of the 5 measures where higher (or lower) is clearly better, how many each company leads.
Ally Financial
ALLY
2/5
5-year growthNet margin
First American Financial
FAF
3/5
Revenue growthReturn on equityShare count change
Side by side
Best in the row
| Latest fiscal year | ALLY FY25 | FAF FY25 |
|---|---|---|
| Size | ||
| Market cap | $12.1B | $6.6B |
| Revenue | $7.9B | $7.5B |
| Free cash flow | β | β |
| Net income | $852M | $622M |
| Growth | ||
| Revenue growth | β3.3% | 21.6% |
| 5-year growth | 3.4% | 1.0% |
| Share count change | 0.9% | β0.6% |
| Profitability | ||
| Gross margin | β | β |
| Operating margin | β | β |
| Net margin | 10.8% | 8.3% |
| FCF margin | β | β |
| Return on capital | β | β |
| Return on equity | 5.8% | 12.0% |
| Balance sheet | ||
| Net debt | β | β |
| Net debt / EBITDA | β | β |
| Dividends and buybacks | $438M | $345M |
| Valuation & quality | ||
| P/E | 9.1x | 9.0x |
| Piotroski F-score | β | β |
Ten years
Revenue
Operating margin
Free cash flow
Return on capital
Each company's latest fiscal year; fiscal years end in different months. The best value in each row is highlighted where higher (or lower) is clearly better. Not investment advice.