ALLY vs. ARCC: Ally Financial vs. Ares Capital Stock Comparison
How do Ally Financial (ALLY) and Ares Capital (ARCC) 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
Ally Financial (ALLY) and Ares Capital (ARCC) both fall under the Financial Services industry group, but ALLY is classified in Consumer Finance while ARCC is classified in Capital Markets.
| Profile Item | ALLY | ARCC |
|---|---|---|
| Name | Ally Financial Inc. | Ares Capital Corp. |
| Country/Region | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Financial Services | Financial Services |
| GICS Industry | Consumer Finance | Capital Markets |
| GICS Sub-Industry | Consumer Finance | Asset Management & Custody Banks |
| Market Capitalization | 11.45 billion USD | 13.82 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | Nasdaq |
| Listing Date | January 28, 2014 | October 5, 2004 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | ALLY | ARCC |
|---|---|---|
| Total Return (1Y) | 1.76% | 5.40% |
| Total Return (3Y, Annualized) | 18.37% | 9.48% |
| Total Return (5Y, Annualized) | -1.28% | 8.26% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | ALLY | ARCC |
|---|---|---|
| Volatility (1Y, Annualized) | 28.62% | 18.97% |
| Beta (5Y) | 1.15 | 0.59 |
| Max Drawdown (5Y) | -55.89% | -21.76% |
| Avg. Volume (3M) | 3.74M | 4.45M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | ALLY | ARCC |
|---|---|---|
| Sharpe Ratio (1Y) | -0.09 | 0.06 |
| Sortino Ratio (1Y) | -0.13 | 0.09 |
Profitability
ROE (TTM)
Both Ally Financial (ALLY) at 9.90% and Ares Capital (ARCC) at 6.19% land near their industries’ usual ROE ranges, so capital efficiency looks broadly in line with peers on both sides.
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%
ARCC
Financial Services industry group
6.19%
- Max
- 44.78%
- Q3
- 21.85%
- Median
- 12.91%
- ARCC
- 6.19%
- Q1
- 4.48%
- Min
- -18.71%
Net Margin (TTM)
Ares Capital (ARCC) at 28.35% retains a top-quartile share of revenue as profit, ahead of Ally Financial (ALLY) at 18.62%, which keeps about the industry-typical share.
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%
ARCC
Financial Services industry group
28.35%
- Max
- 62.84%
- ARCC
- 28.35%
- Q3
- 28.05%
- Median
- 15.36%
- Q1
- 4.82%
- Min
- -28.52%
Operating Margin (TTM)
Ares Capital (ARCC) at 72.74% operates in the top operating margin quartile, ahead of Ally Financial (ALLY) at 27.31%, which runs around its industry’s norm.
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%
ARCC
Financial Services industry group
72.74%
- Max
- 107.33%
- ARCC
- 72.74%
- Q3
- 55.90%
- Median
- 30.09%
- Q1
- 14.60%
- Min
- -44.34%
Profitability Metrics
| Metric | ALLY | ARCC |
|---|---|---|
| ROE (TTM) | 9.90% | 6.19% |
| ROA (TTM) | 0.75% | 4.78% |
| Net Margin (TTM) | 18.62% | 28.35% |
| Operating Margin (TTM) | 27.31% | 72.74% |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Both Ally Financial (ALLY) at -1.43% and Ares Capital (ARCC) at -12.08% post bottom-quartile revenue growth versus peers, pointing to weaker demand or pricing momentum than typical rivals.
EPS Growth
Both Ally Financial (ALLY) at 31.67% and Ares Capital (ARCC) at -23.77% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.
Growth Metrics
| Metric | ALLY | ARCC |
|---|---|---|
| Revenue Growth (YoY) | -1.43% | -12.08% |
| Revenue Growth (3Y CAGR) | -1.73% | 26.67% |
| EPS Growth (YoY) | 31.67% | -23.77% |
| EPS Growth (3Y CAGR) | -22.19% | 16.05% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Ally Financial (ALLY) in Financial Services and Ares Capital (ARCC) 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: Ally Financial (ALLY) in Financial Services and Ares Capital (ARCC) 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
| Metric | ALLY | ARCC |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Ally Financial (ALLY) at 3.09% pays an industry-typical yield; Ares Capital (ARCC) at 9.92% 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.
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%
ARCC
Financial Services industry group
9.92%
- ARCC
- 9.92%
- Max
- 9.77%
- Q3
- 3.92%
- Median
- 1.09%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Ares Capital (ARCC) reports payout ratio above 100% at 157.38%, meaning dividends exceeded current-period earnings and sustainability needs extra context. Meanwhile Ally Financial (ALLY) reports 27.46%, ranking against industry peers normally.
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%
ARCC
Financial Services industry group
157.38%
- Max
- 241.07%
- ARCC
- 157.38%
- Q3
- 97.36%
- Median
- 25.77%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | ALLY | ARCC |
|---|---|---|
| Dividend Yield (TTM) | 3.09% | 9.92% |
| Dividend Payout Ratio (TTM) | 27.46% | 157.38% |
Valuation
P/E Ratio (TTM)
Ally Financial (ALLY) at 8.73 sits in the cheaper P/E ratio quartile, while Ares Capital (ARCC) at 15.68 is closer to its industry’s usual earnings multiple — a discount for ALLY, though growth and earnings durability still matter.
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
ARCC
Financial Services industry group
15.68
- Max
- 45.85
- Q3
- 24.64
- ARCC
- 15.68
- Median
- 15.37
- Q1
- 9.68
- Min
- 0.16
P/S Ratio (TTM)
On P/S ratio, both Ally Financial (ALLY) at 1.43 and Ares Capital (ARCC) at 4.48 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.
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
ARCC
Financial Services industry group
4.48
- Max
- 9.23
- Q3
- 4.57
- ARCC
- 4.48
- Median
- 2.72
- Q1
- 1.28
- Min
- -0.55
P/B Ratio (MRQ)
On P/B ratio, both Ally Financial (ALLY) at 0.88 and Ares Capital (ARCC) at 0.99 are valued close to their industries’ norm against book — neither stands out from peers.
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
ARCC
Financial Services industry group
0.99
- Max
- 7.79
- Q3
- 3.63
- Median
- 1.57
- ARCC
- 0.99
- Q1
- 0.81
- Min
- -0.39
Valuation Metrics
| Metric | ALLY | ARCC |
|---|---|---|
| P/E Ratio (TTM) | 8.73 | 15.68 |
| P/S Ratio (TTM) | 1.43 | 4.48 |
| P/B Ratio (MRQ) | 0.88 | 0.99 |
| Free Cash Flow Yield (TTM) | -- | -- |