AGNC vs. ALLY: AGNC Investment vs. Ally Financial Stock Comparison

November 11, 2026

How do AGNC Investment (AGNC) and Ally Financial (ALLY) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.

Company Profile

AGNC Investment (AGNC) and Ally Financial (ALLY) both fall under the Financial Services industry group, but AGNC is classified in Mortgage Real Estate Investment Trusts (REITs) while ALLY is classified in Consumer Finance.

Ally Financial (ALLY) is an ordinary operating company, while AGNC Investment (AGNC) is a REIT — read its payout ratio and P/E alongside FFO (funds from operations) rather than comparing them directly to ALLY’s multiples.

Company profile comparison for AGNC Investment (AGNC) and Ally Financial (ALLY)
Profile Item	AGNC	ALLY
Name	AGNC Investment Corp.	Ally Financial Inc.
Country/Region	United States	United States
GICS Sector	Financials	Financials
GICS Industry Group	Financial Services	Financial Services
GICS Industry	Mortgage Real Estate Investment Trusts (REITs)	Consumer Finance
GICS Sub-Industry	Mortgage REITs	Consumer Finance
Market Capitalization	11.18 billion USD	11.45 billion USD
Currency	USD	USD
Exchange	Nasdaq	NYSE
Listing Date	May 15, 2008	January 28, 2014
Security Type	REIT	Common Stock

Price Performance

Cumulative Growth

AGNC

ALLY

GSPC

AGNC Investment (AGNC) vs. Ally Financial (ALLY), with S&P 500 (GSPC) for reference: Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

Loading price history…

Trailing total returns for AGNC Investment (AGNC) and Ally Financial (ALLY). Returns over one year are annualized.

Calendar-Year Returns

Loading price history…

Calendar-year total returns for AGNC Investment (AGNC) and Ally Financial (ALLY). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Price performance metrics for AGNC Investment (AGNC) and Ally Financial (ALLY)
Metric	AGNC	ALLY
Total Return (1Y)	-1.36%	1.76%
Total Return (3Y, Annualized)	18.48%	18.37%
Total Return (5Y, Annualized)	2.31%	-1.28%

Risk Profile

Drawdown History

AGNC

ALLY

GSPC

AGNC Investment (AGNC) vs. Ally Financial (ALLY), with S&P 500 (GSPC) for reference: Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

Loading price history…

Distribution of monthly total returns for AGNC Investment (AGNC) and Ally Financial (ALLY). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for AGNC Investment (AGNC) and Ally Financial (ALLY)
Metric	AGNC	ALLY
Volatility (1Y, Annualized)	22.24%	28.62%
Beta (5Y)	1.37	1.15
Max Drawdown (5Y)	-49.02%	-55.89%
Avg. Volume (3M)	28.79M	3.74M

Risk-Adjusted Performance

Risk-Return Positioning

AGNC and ALLY are plotted by 1-year volatility (risk) and 1-year return. The dashed Capital Allocation Line runs from the risk-free rate through the shared industry median.

Risk-Adjusted Metrics

Risk-adjusted metrics for AGNC Investment (AGNC) and Ally Financial (ALLY)
Metric	AGNC	ALLY
Sharpe Ratio (1Y)	-0.25	-0.09
Sortino Ratio (1Y)	-0.36	-0.13

Profitability

ROE (TTM)

Ally Financial (ALLY) at 9.90% is around its peer norm for ROE, while AGNC Investment (AGNC) at 0.90% drops into the bottom quartile, signaling weaker returns on shareholders’ equity.

AGNC

Financial Services industry group

0.90%

Max: 44.78%
Q3: 21.85%
Median: 12.91%
Q1: 4.48%
AGNC: 0.90%
Min: -18.71%

ALLY

Financial Services industry group

9.90%

Max: 44.78%
Q3: 21.85%
Median: 12.91%
ALLY: 9.90%
Q1: 4.48%
Min: -18.71%

AGNC Investment (AGNC) vs. Ally Financial (ALLY): A comparison of their ROE against the Financial Services industry group benchmark.

Net Margin (TTM)

AGNC Investment (AGNC) at 43.64% retains a top-quartile share of revenue as profit, ahead of Ally Financial (ALLY) at 18.62%, which keeps about the industry-typical share.

AGNC

Financial Services industry group

43.64%

Max: 62.84%
AGNC: 43.64%
Q3: 28.05%
Median: 15.36%
Q1: 4.82%
Min: -28.52%

ALLY

Financial Services industry group

18.62%

Max: 62.84%
Q3: 28.05%
ALLY: 18.62%
Median: 15.36%
Q1: 4.82%
Min: -28.52%

AGNC Investment (AGNC) vs. Ally Financial (ALLY): A comparison of their net margin against the Financial Services industry group benchmark.

Operating Margin (TTM)

AGNC Investment (AGNC) at 102.11% operates in the top operating margin quartile, ahead of Ally Financial (ALLY) at 27.31%, which runs around its industry’s norm.

AGNC

Financial Services industry group

102.11%

Max: 107.33%
AGNC: 102.11%
Q3: 55.90%
Median: 30.09%
Q1: 14.60%
Min: -44.34%

ALLY

Financial Services industry group

27.31%

Max: 107.33%
Q3: 55.90%
Median: 30.09%
ALLY: 27.31%
Q1: 14.60%
Min: -44.34%

AGNC Investment (AGNC) vs. Ally Financial (ALLY): A comparison of their operating margin against the Financial Services industry group benchmark.

Profitability Metrics

Profitability metrics for AGNC Investment (AGNC) and Ally Financial (ALLY)
Metric	AGNC	ALLY
ROE (TTM)	0.90%	9.90%
ROA (TTM)	0.09%	0.75%
Net Margin (TTM)	43.64%	18.62%
Operating Margin (TTM)	102.11%	27.31%
Gross Margin (TTM)	--	--

Growth

Revenue Growth

AGNC Investment (AGNC) at 84.69% delivers above-range revenue growth, while Ally Financial (ALLY) at -1.43% falls into the bottom quartile — a wide split in revenue momentum.

AGNC Investment (AGNC) vs. Ally Financial (ALLY): A comparison of their Revenue Growth across different time periods.

EPS Growth

AGNC Investment (AGNC) at 58.06% sits in the top EPS growth quartile, while Ally Financial (ALLY) at 31.67% is closer to the peer norm — faster per-share earnings growth for AGNC.

AGNC Investment (AGNC) vs. Ally Financial (ALLY): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for AGNC Investment (AGNC) and Ally Financial (ALLY)
Metric	AGNC	ALLY
Revenue Growth (YoY)	84.69%	-1.43%
Revenue Growth (3Y CAGR)	--	-1.73%
EPS Growth (YoY)	58.06%	31.67%
EPS Growth (3Y CAGR)	--	-22.19%

Financial Strength

Current Ratio (MRQ)

current ratio doesn’t apply on either side: AGNC Investment (AGNC) in Financial Services and Ally Financial (ALLY) in Financial Services both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.

Debt / Equity (MRQ)

debt-to-equity ratio is set aside for both: AGNC Investment (AGNC) in Financial Services and Ally Financial (ALLY) in Financial Services run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.

Financial Strength Metrics

Financial strength metrics for AGNC Investment (AGNC) and Ally Financial (ALLY)
Metric	AGNC	ALLY
Current Ratio (MRQ)	--	--
Debt / Equity (MRQ)	--	--
Net Debt / EBITDA	--	--

Dividends

Dividend Yield (TTM)

Ally Financial (ALLY) at 3.09% pays an industry-typical yield; AGNC Investment (AGNC) at 16.33% is above its entire peer range — the higher number, but one that calls for a look at payout sustainability before treating it as an advantage.

AGNC

Financial Services industry group

16.33%

AGNC: 16.33%
Max: 9.77%
Q3: 3.92%
Median: 1.09%
Q1: 0.00%
Min: 0.00%

ALLY

Financial Services industry group

3.09%

Max: 9.77%
Q3: 3.92%
ALLY: 3.09%
Median: 1.09%
Q1: 0.00%
Min: 0.00%

AGNC Investment (AGNC) vs. Ally Financial (ALLY): A comparison of their dividend yield against the Financial Services industry group benchmark.

Dividend Payout Ratio (TTM)

AGNC Investment (AGNC) reports payout ratio above 100% at 7,200.00%, meaning dividends exceeded current-period earnings and sustainability needs extra context. Meanwhile Ally Financial (ALLY) reports 27.46%, ranking against industry peers normally.

AGNC

Financial Services industry group

7,200.00%

AGNC: 7,200.00%
Max: 241.07%
Q3: 97.36%
Median: 25.77%
Q1: 0.00%
Min: 0.00%

ALLY

Financial Services industry group

27.46%

Max: 241.07%
Q3: 97.36%
ALLY: 27.46%
Median: 25.77%
Q1: 0.00%
Min: 0.00%

AGNC Investment (AGNC) vs. Ally Financial (ALLY): A comparison of their payout ratio against the Financial Services industry group benchmark.

Dividend Metrics

Dividend metrics for AGNC Investment (AGNC) and Ally Financial (ALLY)
Metric	AGNC	ALLY
Dividend Yield (TTM)	16.33%	3.09%
Dividend Payout Ratio (TTM)	7,200.00%	27.46%

Valuation

P/E Ratio (TTM)

Ally Financial (ALLY) at 8.73 sits in the cheaper P/E ratio quartile, while AGNC Investment (AGNC) at 439.00 trades above its peer range — a wide earnings-valuation gap relative to industry peers.

AGNC

Financial Services industry group

439.00

AGNC: 439.00
Max: 45.85
Q3: 24.64
Median: 15.37
Q1: 9.68
Min: 0.16

ALLY

Financial Services industry group

8.73

Max: 45.85
Q3: 24.64
Median: 15.37
Q1: 9.68
ALLY: 8.73
Min: 0.16

AGNC Investment (AGNC) vs. Ally Financial (ALLY): A comparison of their P/E ratio against the Financial Services industry group benchmark.

P/S Ratio (TTM)

Ally Financial (ALLY) at 1.43 prices around its industry’s typical P/S ratio, while AGNC Investment (AGNC) at 47.39 clears its benchmark range — AGNC looks notably rich on sales.

AGNC

Financial Services industry group

47.39

AGNC: 47.39
Max: 9.23
Q3: 4.57
Median: 2.72
Q1: 1.28
Min: -0.55

ALLY

Financial Services industry group

1.43

Max: 9.23
Q3: 4.57
Median: 2.72
ALLY: 1.43
Q1: 1.28
Min: -0.55

AGNC Investment (AGNC) vs. Ally Financial (ALLY): A comparison of their P/S ratio against the Financial Services industry group benchmark.

P/B Ratio (MRQ)

On P/B ratio, both AGNC Investment (AGNC) at 1.15 and Ally Financial (ALLY) at 0.88 are valued close to their industries’ norm against book — neither stands out from peers.

AGNC

Financial Services industry group

1.15

Max: 7.79
Q3: 3.63
Median: 1.57
AGNC: 1.15
Q1: 0.81
Min: -0.39

ALLY

Financial Services industry group

0.88

Max: 7.79
Q3: 3.63
Median: 1.57
ALLY: 0.88
Q1: 0.81
Min: -0.39

AGNC Investment (AGNC) vs. Ally Financial (ALLY): A comparison of their P/B ratio against the Financial Services industry group benchmark.

Valuation Metrics

Valuation metrics for AGNC Investment (AGNC) and Ally Financial (ALLY)
Metric	AGNC	ALLY
P/E Ratio (TTM)	439.00	8.73
P/S Ratio (TTM)	47.39	1.43
P/B Ratio (MRQ)	1.15	0.88
Free Cash Flow Yield (TTM)	--	--