Comparing Golden Bull (DNJR) and Ally Financial (ALLY)

Golden Bull (NASDAQ:DNJR) and Ally Financial (NYSE:ALLY) are both finance companies, but which is the better investment? We will compare the two companies based on the strength of their valuation, institutional ownership, profitability, earnings, dividends, risk and analyst recommendations.

Profitability

This table compares Golden Bull and Ally Financial’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Golden Bull N/A N/A N/A
Ally Financial 16.87% 10.22% 0.80%

Analyst Recommendations

This is a breakdown of recent recommendations and price targets for Golden Bull and Ally Financial, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Golden Bull 0 0 0 0 N/A
Ally Financial 0 6 12 0 2.67

Ally Financial has a consensus target price of $32.82, indicating a potential upside of 30.10%. Given Ally Financial’s higher probable upside, analysts clearly believe Ally Financial is more favorable than Golden Bull.

Dividends

Ally Financial pays an annual dividend of $0.60 per share and has a dividend yield of 2.4%. Golden Bull does not pay a dividend. Ally Financial pays out 25.1% of its earnings in the form of a dividend.

Insider & Institutional Ownership

99.1% of Ally Financial shares are owned by institutional investors. 0.2% of Ally Financial shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

Valuation & Earnings

This table compares Golden Bull and Ally Financial’s top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Golden Bull N/A N/A N/A N/A N/A
Ally Financial $9.87 billion 1.08 $929.00 million $2.39 10.56

Ally Financial has higher revenue and earnings than Golden Bull.

Summary

Ally Financial beats Golden Bull on 9 of the 10 factors compared between the two stocks.

Golden Bull Company Profile

Golden Bull Limited operates as an online finance marketplace company in the People's Republic of China. The company's online marketplace connects individual lenders with individual and small business borrowers for short-term loans. It also provides investment and financing consultancy, and technical services. The company was founded in 2015 and is headquartered in Shanghai, the People's Republic of China.

Ally Financial Company Profile

Ally Financial Inc. provides various financial products and services for consumers, businesses, automotive dealers, and corporate clients in the United States and Canada. The company operates Automotive Finance Operations, Insurance Operations, Mortgage Finance Operations, and Corporate Finance Operations segments. The Automotive Finance Operations segment provides automotive financing services to consumers and automotive dealers. Its automotive finance services include providing retail installment sales contracts, loans and leases, term loans to dealers, financing dealer floorplans, other lines of credit to dealers, warehouse lines to companies, and fleet financing. This segment also offers financing services to companies and municipalities for the purchase or lease of vehicles and equipment, and vehicle remarketing services. The Insurance Operations segment offers consumer finance protection and insurance products through the automotive dealer channel, and commercial insurance products directly to dealers. The Mortgage Finance Operations segment manages held-for-investment consumer mortgage finance loan portfolio that includes bulk purchases of high-quality jumbo and LMI mortgage loans originated by third parties, as well as direct-to-consumer mortgage offerings. The Corporate Finance Operations segment provides senior secured leveraged cash flow and asset-based loans to middle market companies. Its primary focus is on businesses owned by private equity sponsors with loans used for leveraged buyouts, mergers and acquisitions, debt refinancing, restructurings, and working capital. The company, through its subsidiary, Ally Bank, also offers commercial banking products and services. In addition, it provides digital wealth management and online brokerage platform services. The company was formerly known as GMAC Inc. and changed its name to Ally Financial Inc. in May 2010. Ally Financial Inc. was founded in 1919 and is headquartered in Detroit, Michigan.

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