COMPARE · Data as of August 21, 2026
ALLY vs WU
Verdict: Side-by-side breakdown using the Bull Rankings model. ALLY scored 82.0, WU scored 76.0 — ALLY leads.
Compare another set
ALLY
Ally Financial Inc.
66.6Fin
$42.93 · $13.1B
fundamentals as of
Strength gap
2.3
ALLY leads
WU
The Western Union Company
64.3Fin
$7.30 · $2.3B
fundamentals as of
At a glance · who leads each dimension, on the model's own rules
- CheapestWU5.9x
- Fastest growthWU-1.4%
- Largest discount to fair valueWU-88%
Side by side · every name on one set of axes
Growth against the P/E multiple. Up and to the right is cheaper and faster — the quality-growth idea in one picture. Points beyond the axis are pinned to the edge and marked off-scale rather than allowed to compress everything else.
Fundamentals, head-to-head
ALLY
WU
$762mC+
FCF
$565mC+
-1.4%D+
Rev
-1.4%D+
—
D/E
2.95C
10.1xA-
P/E
5.9xA
0.47A
PEG
13.16D
Winner per row is the stronger grade; where grades tie, the better figure breaks it. A true tie or a missing value shows no highlight.
Valuation · DCF cross-check
ALLY
WU
18% below
Price vs fair valuelower is cheaper
88% below
~8%/yr
Growth the price implies10-yr FCF · lower = less priced in
decline
-4%
1-yr DCF upside
+568%
+22%
5-yr DCF upside
+706%
+74%
10-yr DCF upside
+971%
The DCF is a cross-check on intrinsic value, separate from the quality-growth score above.
The companies
ALLYAlly Financial Inc.
Why now
Credit Services · market cap $13.1b. 9% off the 52-week high of $47.29. PEG 0.47 — paying under fair value for the growth rate. 17 sell-side analysts rate this a Buy with a mean 1-yr target of $53.70 (implying +25% upside).
Moat
Net margin 18% beats the market median by a meaningful margin — the company is keeping more of every revenue dollar than the average S&P constituent.
Risk
Balance-sheet financial — book value, net interest margin, and credit loss provisions are the lever points; a rates regime change or a deterioration in the loan book moves the stock more than EPS does.
WUThe Western Union Company
Why now
Credit Services · market cap $2.3b. Down 29% from 52-week high of $10.35 — deep drawdown territory. 14 sell-side analysts rate this an Underperform with a mean 1-yr target of $7.09 (implying -3% upside).
Moat
ROE 43% — top-decile capital efficiency. Either pricing leverage, low capital intensity, or aggressive buybacks; the durability story depends on which. FCF converts 143% of net income — earnings translate cleanly into cash, a sign that working capital and capex are well-disciplined.
Risk
D/E 2.95 is elevated — limits strategic flexibility and raises refinancing exposure if rates stay higher for longer. Dividend payout 76% of earnings on a 13.1% yield — distribution coverage is thin; one earnings stumble could force a dividend cut. Balance-sheet financial — book value, net interest margin, and credit loss provisions are the lever points; a rates regime change or a deterioration in the loan book moves the stock more than EPS does.
Verdict — model-derived comparison
Generating verdict… typically 5–10 seconds
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