NLY vs. PYPL: Annaly Capital Management vs. PayPal Stock Comparison

November 11, 2026

How do Annaly Capital Management (NLY) and PayPal (PYPL) 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

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

PayPal (PYPL) 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 PYPL’s multiples.

Company profile comparison for Annaly Capital Management (NLY) and PayPal (PYPL)
Profile Item	NLY	PYPL
Name	Annaly Capital Management, Inc.	PayPal Holdings, 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)	Financial Services
GICS Sub-Industry	Mortgage REITs	Transaction & Payment Processing Services
Market Capitalization	14.77 billion USD	49.21 billion USD
Currency	USD	USD
Exchange	NYSE	Nasdaq
Listing Date	October 8, 1997	July 6, 2015
Security Type	REIT	Common Stock

Price Performance

Cumulative Growth

NLY

PYPL

GSPC

Annaly Capital Management (NLY) vs. PayPal (PYPL), 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 Annaly Capital Management (NLY) and PayPal (PYPL). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Annaly Capital Management (NLY) and PayPal (PYPL). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Price performance metrics for Annaly Capital Management (NLY) and PayPal (PYPL)
Metric	NLY	PYPL
Total Return (1Y)	-0.90%	-7.44%
Total Return (3Y, Annualized)	19.10%	4.14%
Total Return (5Y, Annualized)	1.83%	-21.48%

Risk Profile

Drawdown History

NLY

PYPL

GSPC

Annaly Capital Management (NLY) vs. PayPal (PYPL), 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 Annaly Capital Management (NLY) and PayPal (PYPL). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for Annaly Capital Management (NLY) and PayPal (PYPL)
Metric	NLY	PYPL
Volatility (1Y, Annualized)	20.57%	42.40%
Beta (5Y)	1.22	1.28
Max Drawdown (5Y)	-49.57%	-81.84%
Avg. Volume (3M)	10.28M	11.78M

Risk-Adjusted Performance

Risk-Return Positioning

NLY and PYPL 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 Annaly Capital Management (NLY) and PayPal (PYPL)
Metric	NLY	PYPL
Sharpe Ratio (1Y)	-0.25	-0.28
Sortino Ratio (1Y)	-0.36	-0.37

Profitability

ROE (TTM)

PayPal (PYPL) at 23.83% sits in the top ROE quartile, while Annaly Capital Management (NLY) at 7.35% is closer to the peer norm — stronger capital efficiency for PYPL.

NLY

Financial Services industry group

7.35%

Max: 44.78%
Q3: 21.85%
Median: 12.91%
NLY: 7.35%
Q1: 4.48%
Min: -18.71%

PYPL

Financial Services industry group

23.83%

Max: 44.78%
PYPL: 23.83%
Q3: 21.85%
Median: 12.91%
Q1: 4.48%
Min: -18.71%

Annaly Capital Management (NLY) vs. PayPal (PYPL): A comparison of their ROE against the Financial Services industry group benchmark.

Net Margin (TTM)

Annaly Capital Management (NLY) at 80.27% converts revenue to bottom-line profit above its industry’s benchmark range, while PayPal (PYPL) at 13.78% keeps roughly the typical share for its industry.

NLY

Financial Services industry group

80.27%

NLY: 80.27%
Max: 62.84%
Q3: 28.05%
Median: 15.36%
Q1: 4.82%
Min: -28.52%

PYPL

Financial Services industry group

13.78%

Max: 62.84%
Q3: 28.05%
Median: 15.36%
PYPL: 13.78%
Q1: 4.82%
Min: -28.52%

Annaly Capital Management (NLY) vs. PayPal (PYPL): A comparison of their net margin against the Financial Services industry group benchmark.

Operating Margin (TTM)

Annaly Capital Management (NLY) at 107.33% operates in the top operating margin quartile, ahead of PayPal (PYPL) at 18.41%, which runs around its industry’s norm.

NLY

Financial Services industry group

107.33%

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

PYPL

Financial Services industry group

18.41%

Max: 107.33%
Q3: 55.90%
Median: 30.09%
PYPL: 18.41%
Q1: 14.60%
Min: -44.34%

Annaly Capital Management (NLY) vs. PayPal (PYPL): A comparison of their operating margin against the Financial Services industry group benchmark.

Profitability Metrics

Profitability metrics for Annaly Capital Management (NLY) and PayPal (PYPL)
Metric	NLY	PYPL
ROE (TTM)	7.35%	23.83%
ROA (TTM)	0.84%	4.70%
Net Margin (TTM)	80.27%	13.78%
Operating Margin (TTM)	107.33%	18.41%
Gross Margin (TTM)	--	--

Growth

Revenue Growth

Annaly Capital Management (NLY) at 87.29% clears its industry range for revenue growth, far stronger top-line momentum than PayPal (PYPL) at 4.32%, which is closer to a typical peer reading.

Annaly Capital Management (NLY) vs. PayPal (PYPL): A comparison of their Revenue Growth across different time periods.

EPS Growth

Annaly Capital Management (NLY) at 80.25% sits in the top EPS growth quartile, while PayPal (PYPL) at 35.59% is closer to the peer norm — faster per-share earnings growth for NLY.

Annaly Capital Management (NLY) vs. PayPal (PYPL): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for Annaly Capital Management (NLY) and PayPal (PYPL)
Metric	NLY	PYPL
Revenue Growth (YoY)	87.29%	4.32%
Revenue Growth (3Y CAGR)	4.72%	6.43%
EPS Growth (YoY)	80.25%	35.59%
EPS Growth (3Y CAGR)	-9.35%	37.30%

Financial Strength

Current Ratio (MRQ)

current ratio doesn’t apply on either side: Annaly Capital Management (NLY) in Financial Services and PayPal (PYPL) 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: Annaly Capital Management (NLY) in Financial Services and PayPal (PYPL) 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 Annaly Capital Management (NLY) and PayPal (PYPL)
Metric	NLY	PYPL
Current Ratio (MRQ)	--	--
Debt / Equity (MRQ)	--	--
Net Debt / EBITDA	--	--

Dividends

Dividend Yield (TTM)

PayPal (PYPL) at 0.95% 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.

NLY

Financial Services industry group

15.38%

NLY: 15.38%
Max: 9.77%
Q3: 3.92%
Median: 1.09%
Q1: 0.00%
Min: 0.00%

PYPL

Financial Services industry group

0.95%

Max: 9.77%
Q3: 3.92%
Median: 1.09%
PYPL: 0.95%
Q1: 0.00%
Min: 0.00%

Annaly Capital Management (NLY) vs. PayPal (PYPL): A comparison of their dividend yield against the Financial Services industry group benchmark.

Dividend Payout Ratio (TTM)

Annaly Capital Management (NLY) reports payout ratio above 100% at 201.39%, meaning dividends exceeded current-period earnings and sustainability needs extra context. Meanwhile PayPal (PYPL) reports 10.69%, ranking against industry peers normally.

NLY

Financial Services industry group

201.39%

Max: 241.07%
NLY: 201.39%
Q3: 97.36%
Median: 25.77%
Q1: 0.00%
Min: 0.00%

PYPL

Financial Services industry group

10.69%

Max: 241.07%
Q3: 97.36%
Median: 25.77%
PYPL: 10.69%
Q1: 0.00%
Min: 0.00%

Annaly Capital Management (NLY) vs. PayPal (PYPL): A comparison of their payout ratio against the Financial Services industry group benchmark.

Dividend Metrics

Dividend metrics for Annaly Capital Management (NLY) and PayPal (PYPL)
Metric	NLY	PYPL
Dividend Yield (TTM)	15.38%	0.95%
Dividend Payout Ratio (TTM)	201.39%	10.69%

Valuation

P/E Ratio (TTM)

Both Annaly Capital Management (NLY) at 13.02 and PayPal (PYPL) at 11.31 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.

NLY

Financial Services industry group

13.02

Max: 45.85
Q3: 24.64
Median: 15.37
NLY: 13.02
Q1: 9.68
Min: 0.16

PYPL

Financial Services industry group

11.31

Max: 45.85
Q3: 24.64
Median: 15.37
PYPL: 11.31
Q1: 9.68
Min: 0.16

Annaly Capital Management (NLY) vs. PayPal (PYPL): A comparison of their P/E ratio against the Financial Services industry group benchmark.

P/S Ratio (TTM)

PayPal (PYPL) 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.

NLY

Financial Services industry group

10.62

NLY: 10.62
Max: 9.23
Q3: 4.57
Median: 2.72
Q1: 1.28
Min: -0.55

PYPL

Financial Services industry group

1.43

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

Annaly Capital Management (NLY) vs. PayPal (PYPL): A comparison of their P/S ratio against the Financial Services industry group benchmark.

P/B Ratio (MRQ)

On P/B ratio, both Annaly Capital Management (NLY) at 1.05 and PayPal (PYPL) at 2.55 are valued close to their industries’ norm against book — neither stands out from peers.

NLY

Financial Services industry group

1.05

Max: 7.79
Q3: 3.63
Median: 1.57
NLY: 1.05
Q1: 0.81
Min: -0.39

PYPL

Financial Services industry group

2.55

Max: 7.79
Q3: 3.63
PYPL: 2.55
Median: 1.57
Q1: 0.81
Min: -0.39

Annaly Capital Management (NLY) vs. PayPal (PYPL): A comparison of their P/B ratio against the Financial Services industry group benchmark.

Valuation Metrics

Valuation metrics for Annaly Capital Management (NLY) and PayPal (PYPL)
Metric	NLY	PYPL
P/E Ratio (TTM)	13.02	11.31
P/S Ratio (TTM)	10.62	1.43
P/B Ratio (MRQ)	1.05	2.55
Free Cash Flow Yield (TTM)	--	--