ALLY vs. NLY: Ally Financial vs. Annaly Capital Management Stock Comparison

Company Profile

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

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

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Both Ally Financial (ALLY) at 9.90% and Annaly Capital Management (NLY) at 7.35% land near their industries’ usual ROE ranges, so capital efficiency looks broadly in line with peers on both sides.

Annaly Capital Management (NLY) at 80.27% converts revenue to bottom-line profit above its industry’s benchmark range, while Ally Financial (ALLY) at 18.62% keeps roughly the typical share for its industry.

Annaly Capital Management (NLY) at 107.33% operates in the top operating margin quartile, ahead of Ally Financial (ALLY) at 27.31%, which runs around its industry’s norm.

Profitability Metrics

Growth

Annaly Capital Management (NLY) at 87.29% delivers above-range revenue growth, while Ally Financial (ALLY) at -1.43% falls into the bottom quartile — a wide split in revenue momentum.

Annaly Capital Management (NLY) at 80.25% 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 NLY.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Ally Financial (ALLY) in Financial Services and Annaly Capital Management (NLY) 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-to-equity ratio is set aside for both: Ally Financial (ALLY) in Financial Services and Annaly Capital Management (NLY) 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

Dividends

Ally Financial (ALLY) at 3.09% pays an industry-typical yield; Annaly Capital Management (NLY) at 15.38% 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.

Annaly Capital Management (NLY) reports payout ratio above 100% at 201.39%, meaning dividends exceeded current-period earnings and sustainability needs extra context. Meanwhile Ally Financial (ALLY) reports 27.46%, ranking against industry peers normally.

Dividend Metrics

Valuation

Ally Financial (ALLY) at 8.73 sits in the cheaper P/E ratio quartile, while Annaly Capital Management (NLY) at 13.02 is closer to its industry’s usual earnings multiple — a discount for ALLY, though growth and earnings durability still matter.

Ally Financial (ALLY) at 1.43 prices around its industry’s typical P/S ratio, while Annaly Capital Management (NLY) at 10.62 clears its benchmark range — NLY looks notably rich on sales.

On P/B ratio, both Ally Financial (ALLY) at 0.88 and Annaly Capital Management (NLY) at 1.05 are valued close to their industries’ norm against book — neither stands out from peers.

Valuation Metrics