NLY vs. SOFI: Annaly Capital Management vs. SoFi Stock Comparison

Company Profile

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

Annaly Capital Management (NLY) has more than two decades of public-market history since October 8, 1997, whereas SoFi (SOFI) listed on January 4, 2021 and has a much shorter record to draw on.

SoFi (SOFI) 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 SOFI’s multiples.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

SoFi (SOFI) carries a highly aggressive beta of 2.22, indicating much higher sensitivity to broad-market moves, whereas Annaly Capital Management (NLY) is closer to market-like at 1.22 — a noticeable difference in market-sensitivity profile.

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Both Annaly Capital Management (NLY) at 7.35% and SoFi (SOFI) 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 SoFi (SOFI) at 15.75% keeps roughly the typical share for its industry.

Annaly Capital Management (NLY) at 107.33% operates in the top operating margin quartile, ahead of SoFi (SOFI) at 23.19%, which runs around its industry’s norm.

Profitability Metrics

Growth

Both companies are growing quickly, but Annaly Capital Management (NLY) at 87.29% is the standout with revenue growth above its industry range; SoFi (SOFI) at 38.32% also sits in the top quartile.

Annaly Capital Management (NLY) at 80.25% sits in the top EPS growth quartile, while SoFi (SOFI) at 0.00% 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: Annaly Capital Management (NLY) in Financial Services and SoFi (SOFI) 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: Annaly Capital Management (NLY) in Financial Services and SoFi (SOFI) 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

SoFi (SOFI) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Annaly Capital Management (NLY) reports a yield of 15.38%, ranking against industry peers normally.

Annaly Capital Management (NLY) reports payout ratio above 100% at 201.39%, meaning dividends exceeded current-period earnings; SoFi (SOFI) pays no dividend (payout 0.00%).

Dividend Metrics

Valuation

Annaly Capital Management (NLY) at 13.02 is near its industry’s usual P/E ratio, while SoFi (SOFI) at 29.47 sits in the richer quartile — SOFI needs stronger growth or earnings quality to justify the premium.

SoFi (SOFI) at 4.49 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 Annaly Capital Management (NLY) at 1.05 and SoFi (SOFI) at 1.86 are valued close to their industries’ norm against book — neither stands out from peers.

Valuation Metrics