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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.

Company profile comparison for Ally Financial (ALLY) and Ares Capital (ARCC)
Profile ItemALLYARCC
NameAlly Financial Inc.Ares Capital Corp.
Country/RegionUnited StatesUnited States
GICS SectorFinancialsFinancials
GICS Industry GroupFinancial ServicesFinancial Services
GICS IndustryConsumer FinanceCapital Markets
GICS Sub-IndustryConsumer FinanceAsset Management & Custody Banks
Market Capitalization11.45 billion USD13.82 billion USD
CurrencyUSDUSD
ExchangeNYSENasdaq
Listing DateJanuary 28, 2014October 5, 2004
Security TypeCommon StockCommon Stock

Price Performance

Cumulative Growth

ALLY
ARCC
GSPC
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Ally Financial (ALLY) vs. Ares Capital (ARCC), 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

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Trailing total returns for Ally Financial (ALLY) and Ares Capital (ARCC). Returns over one year are annualized.

Calendar-Year Returns

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

Performance Metrics

Price performance metrics for Ally Financial (ALLY) and Ares Capital (ARCC)
MetricALLYARCC
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

ALLY
ARCC
GSPC
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Ally Financial (ALLY) vs. Ares Capital (ARCC), 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

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

Risk Metrics

Risk profile metrics for Ally Financial (ALLY) and Ares Capital (ARCC)
MetricALLYARCC
Volatility (1Y, Annualized)28.62%18.97%
Beta (5Y)1.150.59
Max Drawdown (5Y)-55.89%-21.76%
Avg. Volume (3M)3.74M4.45M

Risk-Adjusted Performance

Risk-Return Positioning

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ALLY and ARCC 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 Ally Financial (ALLY) and Ares Capital (ARCC)
MetricALLYARCC
Sharpe Ratio (1Y)-0.090.06
Sortino Ratio (1Y)-0.130.09

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%
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Ally Financial (ALLY) vs. Ares Capital (ARCC): A comparison of their ROE against the Financial Services industry group benchmark.

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%
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Ally Financial (ALLY) vs. Ares Capital (ARCC): A comparison of their net margin against the Financial Services industry group benchmark.

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%
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Ally Financial (ALLY) vs. Ares Capital (ARCC): A comparison of their operating margin against the Financial Services industry group benchmark.

Profitability Metrics

Profitability metrics for Ally Financial (ALLY) and Ares Capital (ARCC)
MetricALLYARCC
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.

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Ally Financial (ALLY) vs. Ares Capital (ARCC): A comparison of their Revenue Growth across different time periods.

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.

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Ally Financial (ALLY) vs. Ares Capital (ARCC): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for Ally Financial (ALLY) and Ares Capital (ARCC)
MetricALLYARCC
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

Financial strength metrics for Ally Financial (ALLY) and Ares Capital (ARCC)
MetricALLYARCC
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%
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Ally Financial (ALLY) vs. Ares Capital (ARCC): A comparison of their dividend yield against the Financial Services industry group benchmark.

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%
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Ally Financial (ALLY) vs. Ares Capital (ARCC): A comparison of their payout ratio against the Financial Services industry group benchmark.

Dividend Metrics

Dividend metrics for Ally Financial (ALLY) and Ares Capital (ARCC)
MetricALLYARCC
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
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Ally Financial (ALLY) vs. Ares Capital (ARCC): A comparison of their P/E ratio against the Financial Services industry group benchmark.

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

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

Valuation Metrics

Valuation metrics for Ally Financial (ALLY) and Ares Capital (ARCC)
MetricALLYARCC
P/E Ratio (TTM)8.7315.68
P/S Ratio (TTM)1.434.48
P/B Ratio (MRQ)0.880.99
Free Cash Flow Yield (TTM)----