Market cap
$3,346 Mln
Revenue (TTM)
$2,891 Mln
P/E Ratio
6.5
P/B Ratio
1.7
Div. Yield
2.9 %
| SLM Corp (SLM) | Ally Financial (ALLY) | FirstCash Holdings (FCFS) | OneMain Holdings (OMF) | Credit Acceptance (CACC) | |
|---|---|---|---|---|---|
Market cap ($ Mln) |
3,346 | 12,058 | 7,773 | 6,827 | 4,826 |
Revenue ($ Mln) |
2,891 | 16,044 | 4,286 | 6,527 | 2,342 |
Net Profit ($ Mln) |
567.40 | 1,489.00 | 406.49 | 767.00 | 337.10 |
Net Margin (%) |
19.63 | 9.28 | 9.48 | 11.75 | 14.39 |
RoE (%) |
24.18 | 9.74 | 17.78 | 22.67 | 23.22 |
Price to Earnings |
6.54 | 9.07 | 19.62 | 8.94 | 12.74 |
Price-To-Book |
1.71 | 0.91 | 3.42 | 1.96 | 3.39 |
Income Statement ($ Mln)
| SLM Corp (SLM) | Ally Financial (ALLY) | FirstCash Holdings (FCFS) | OneMain Holdings (OMF) | Credit Acceptance (CACC) | |
|---|---|---|---|---|---|
|
Operating Revenue
|
2,890.72 | 16,044.00 | 4,285.93 | 6,527.00 | 2,341.90 |
|
Cost of Revenue
|
1,409.15 | 8,050.00 | 2,198.41 | 2,141.00 | 447.80 |
|
Gross Profit
|
1,651.71 | 6,318.00 | 1,891.51 | 2,973.00 | 2,288.20 |
|
Operating Expenses
|
743.67 | 6,104.00 | 1,401.38 | 2,415.00 | 994.40 |
|
Operating Profit (EBIT)
|
737.90 | 1,890.00 | 686.14 | 1,971.00 | 899.70 |
|
Other Income
|
0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|
Profit before Tax
|
737.90 | 1,890.00 | 553.59 | 974.00 | 427.10 |
|
Provision for Tax
|
170.50 | 401.00 | 147.09 | 207.00 | 90.00 |
|
Profit after Tax (Net Income)
|
567.40 | 1,489.00 | 406.49 | 767.00 | 337.10 |
|
Minority Interest
|
0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|
Consolidated Profit
|
0.00 | 300.00 | 0.00 | 204.00 | 0.00 |
Liabilities ($ Mln)
| SLM Corp (SLM) | Ally Financial (ALLY) | FirstCash Holdings (FCFS) | OneMain Holdings (OMF) | Credit Acceptance (CACC) | |
|---|---|---|---|---|---|
|
Shareholder's Funds
|
2,255.51 | 14,970.00 | 2,273.33 | 3,391.00 | 1,389.30 |
|
Minority Interest
|
0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|
Non-Current Liabilities
|
5,925.85 | 21,474.00 | 2,856.05 | 25,308.00 | 6,834.40 |
|
Current Liabilities
|
21,659.63 | 166,841.00 | 429.79 | 18.00 | 654.20 |
|
Total Liabilities
|
29,746.30 | 196,002.00 | 5,300.76 | 27,388.00 | 9,598.50 |
Assets ($ Mln)
| SLM Corp (SLM) | Ally Financial (ALLY) | FirstCash Holdings (FCFS) | OneMain Holdings (OMF) | Credit Acceptance (CACC) | |
|---|---|---|---|---|---|
|
Non-Current Assets
|
21,390.87 | 167,789.00 | 3,492.14 | 25,480.00 | 50.00 |
|
Current Assets
|
8,450.13 | 35,496.00 | 2,067.04 | 3,237.00 | 8,827.90 |
|
Total Assets
|
29,746.30 | 196,002.00 | 5,300.76 | 27,388.00 | 9,598.50 |
|
Total Debt*
|
6,434.65 | 25,030.00 | 2,807.66 | 24,074.00 | 6,723.70 |
|
Net Current Assets
|
0.00 | 0.00 | 1,637.24 | 0.00 | 0.00 |
Cashflow ($ Mln)
| SLM Corp (SLM) | Ally Financial (ALLY) | FirstCash Holdings (FCFS) | OneMain Holdings (OMF) | Credit Acceptance (CACC) | |
|---|---|---|---|---|---|
|
Cash From Operating Activities
|
575.52 | 3,628.00 | 585.94 | 3,130.00 | 1,054.60 |
|
Cash Flow from Investing Activities
|
-- | -5,163.00 | -828.05 | -3,161.00 | -674.30 |
|
Cash from Financing Activities
|
-500.21 | 1,956.00 | 176.41 | 520.00 | -724.60 |
|
Net Cash Inflow / Outflow
|
-- | -- | -- | -- | -- |
Ratios
Profitability Ratios
| SLM Corp (SLM) | Ally Financial (ALLY) | FirstCash Holdings (FCFS) | OneMain Holdings (OMF) | Credit Acceptance (CACC) | |
|---|---|---|---|---|---|
|
ROCE (%)
|
8.81 | 2.42 | 7.18 | 3.09 | 5.31 |
|
ROE (%)
|
24.18 | 9.74 | 17.78 | 22.67 | 23.22 |
|
ROA (%)
|
1.55 | 0.65 | 7.05 | 2.52 | 2.52 |
|
EBIT Margin (%)
|
35.11 | 8.25 | 15.47 | 21.28 | 36.62 |
|
Net Margin (%)
|
19.63 | 9.28 | 9.48 | 11.75 | 14.39 |
|
Cash Profit Margin (%)
|
0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Growth Ratios
| SLM Corp (SLM) | Ally Financial (ALLY) | FirstCash Holdings (FCFS) | OneMain Holdings (OMF) | Credit Acceptance (CACC) | |
|---|---|---|---|---|---|
|
Revenue Growth (%)
|
-5.69 | 4.91 | 22.93 | 6.49 | 3.08 |
|
EBIT Growth (%)
|
25.51 | 57.50 | 25.67 | 51.64 | 50.39 |
|
Net Profit Growth (%)
|
-8.96 | 135.23 | 31.23 | 8.79 | -25.72 |
|
EPS Growth (%)
|
-3.77 | 137.49 | 33.34 | 11.48 | -18.96 |
|
Book Value Growth (%)
|
7.54 | 0.86 | 5.04 | 3.77 | -3.07 |
Valuation Ratios
| SLM Corp (SLM) | Ally Financial (ALLY) | FirstCash Holdings (FCFS) | OneMain Holdings (OMF) | Credit Acceptance (CACC) | |
|---|---|---|---|---|---|
|
Price / Earnings
|
7.53 | 16.71 | 21.37 | 10.21 | 11.62 |
|
Price / Book Value
|
2.29 | 0.92 | 3.10 | 2.35 | 3.23 |
|
Dividend Yield (%)
|
-- | -- | -- | -- | -- |
|
EV/EBITDA
|
7.11 | 2.74 | 9.75 | 22.79 | 10.21 |
|
Market Cap ($ Cr)
|
-- | -- | -- | -- | -- |
Solvency Ratios
| SLM Corp (SLM) | Ally Financial (ALLY) | FirstCash Holdings (FCFS) | OneMain Holdings (OMF) | Credit Acceptance (CACC) | |
|---|---|---|---|---|---|
|
Debt to Equity
|
2.45 | 0.00 | 1.08 | 0.00 | 0.00 |
|
Short term debt to equity ratio
|
0.40 | 0.42 | 0.05 | 0.00 | 0.16 |
|
Current Ratio
|
0.39 | 0.21 | 4.81 | 179.83 | 13.49 |
|
Quick Ratio
|
0.39 | 0.21 | 3.42 | 179.83 | 13.49 |
|
Interest Coverage
|
1.67 | 1.31 | 4.87 | 1.74 | 1.98 |
Operating Efficiency Ratios
| SLM Corp (SLM) | Ally Financial (ALLY) | FirstCash Holdings (FCFS) | OneMain Holdings (OMF) | Credit Acceptance (CACC) | |
|---|---|---|---|---|---|
|
Debtors to sales (%)
|
58.14 | 899.26 | 26.93 | 0.00 | 347.03 |
|
Asset Turnover
|
0.08 | 0.07 | 0.74 | 0.21 | 0.18 |
|
Receivable days
|
182.60 | 2,074.31 | 91.60 | 1,207.54 | 5.63 |
|
Inventory Days
|
-- | -- | 84.82 | -- | -- |
|
Payable days
|
-- | 4,789.18 | 5.95 | -- | 4,508.95 |
|
Cash Conversion Cycle
|
-- | -- | 170.47 | -- | -- |