COMP <GO>
ALLY vs MS // 10Y YIELD & FRED MACRO BETA
Ally Financial Inc. (NYSE) VS. Morgan Stanley (NYSE) • 15-METRIC TALLY: ALLY 10
— MS 4
▲ 10Y YIELD & FRED MACRO BETA LEADER: MS
LAST: $38.17 (-3.71%) • MKT CAP: $12.06B
macro-sensitivity
0.88
LAST: $184.30 (-3.00%) • MKT CAP: $298.41B
macro-sensitivity
1.04
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (ALLY VS. MS)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | ALLY | MS | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | 41.00% | 41.00% | 0.00 | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 4.10% | 3.00% | +1.10 | ALLY | /roic <GO> |
| EV/EBITDA & P/E Valuation | 15.1x | 31.0x | -15.90 | ALLY | /valuation <GO> |
| Free Cash Flow Yield | 22.00% | -7.25% | +29.25 | ALLY | /fcf-yield <GO> |
| Operating Margin | 75.00% | 24.60% | +50.40 | ALLY | /operating-margins <GO> |
| Net Profit Margin | 68.00% | 20.20% | +47.80 | ALLY | /net-margins <GO> |
| Revenue Growth (YoY) | 3.80% | 5.50% | -1.70 | MS | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 3.14% | 2.21% | +0.93 | ALLY | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | 0.45 | 0.46 | -0.01 | MS | /balance-sheet <GO> |
| Piotroski F-Score Quality | 8/9 | 5/9 | +3.00 | ALLY | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | 6.50% | 7.00% | -0.50 | ALLY | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 45.0 | 43.3 | +1.70 | ALLY | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta ACTIVE | 0.88 | 1.04 | -0.16 | MS | /macro-sensitivity <GO> |
| Forward P/E Multiple | 13.2x | 16.5x | -3.30 | ALLY | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $12.06B | $298.41B | -$286.35B | MS | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | ALLY REV | MS REV | ALLY GROSS % | MS GROSS % | ALLY FCF | MS FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $1.24B | $0 | 44.0% | — | $3.67B | -$17.89B |
| FY 2024 | $1.20B | $0 | 44.0% | — | $4.47B | $1.36B |
| FY 2023 | $968.0M | $0 | 44.0% | — | $4.51B | -$33.54B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
ALLY // BETA 0.88
MS // BETA 1.04