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Side-by-side financial comparison of Ally Financial Inc. (ALLY) and ALERUS FINANCIAL CORP (ALRS), based on the latest 10-Q / 10-K filings. Click either name above to swap in a different company.
Ally Financial Inc. is the larger business by last-quarter revenue ($301.0M vs $45.2M, roughly 6.7× ALERUS FINANCIAL CORP). Ally Financial Inc. runs the higher net margin — 108.6% vs -73.2%, a 181.8% gap on every dollar of revenue. On growth, ALERUS FINANCIAL CORP posted the faster year-over-year revenue change (18.0% vs -3.2%). Over the past eight quarters, ALERUS FINANCIAL CORP's revenue compounded faster (42.6% CAGR vs 11.1%).
Ally Financial Inc.はアメリカ合衆国デラウェア州に設立登記され、ミシガン州デトロイトに本社を置く銀行持株会社です。自動車金融、ダイレクトバンクによるオンラインバンキング、企業向け融資、車両保険、住宅ローンのほか、分割販売やリース契約といった関連金融サービスを提供しています。
アレルス・フィナンシャル・コーポレーションは、ブランド名をAlerusとして展開する連鎖金融機関で、本社はノースダコタ州グランドフォークスにあります。拠点はノースダコタ州、ミネソタ州、ウィスコンシン州、アリゾナ州に分布し、銀行業務、住宅ローン、資産管理、退職関連サービスを提供しています。
ALLY vs ALRS — Head-to-Head
Income Statement — Q4 2025 vs Q4 2025
| Metric | | |
|---|---|---|
| Revenue | $301.0M | $45.2M |
| Net Profit | $327.0M | $-33.1M |
| Gross Margin | — | — |
| Operating Margin | — | -96.0% |
| Net Margin | 108.6% | -73.2% |
| Revenue YoY | -3.2% | 18.0% |
| Net Profit YoY | 333.6% | -49232.8% |
| EPS (diluted) | $0.97 | $-1.27 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align — see 8-quarter trend below.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history — bar widths are scaled to the larger of the two companies so you can eyeball the size gap and growth trajectory without doing math. Quarters aligned by calendar period (report date) so offset fiscal years line up.
| Q4 25 | $301.0M | $45.2M | ||
| Q3 25 | $308.0M | $43.1M | ||
| Q2 25 | $312.0M | $43.0M | ||
| Q1 25 | $323.0M | $41.2M | ||
| Q4 24 | $311.0M | $38.3M | ||
| Q3 24 | $319.0M | $22.5M | ||
| Q2 24 | $324.0M | $24.0M | ||
| Q1 24 | $244.0M | $22.2M |
| Q4 25 | $327.0M | $-33.1M | ||
| Q3 25 | $398.0M | $16.9M | ||
| Q2 25 | $352.0M | $20.3M | ||
| Q1 25 | $-225.0M | $13.3M | ||
| Q4 24 | $-140.0M | $-67.0K | ||
| Q3 24 | $357.0M | $5.2M | ||
| Q2 24 | $294.0M | $6.2M | ||
| Q1 24 | $157.0M | $6.4M |
| Q4 25 | — | -96.0% | ||
| Q3 25 | — | 51.1% | ||
| Q2 25 | — | 61.2% | ||
| Q1 25 | -87.9% | 42.7% | ||
| Q4 24 | 56.3% | -0.8% | ||
| Q3 24 | 73.0% | 30.2% | ||
| Q2 24 | 79.3% | 33.9% | ||
| Q1 24 | 70.1% | 38.4% |
| Q4 25 | 108.6% | -73.2% | ||
| Q3 25 | 129.2% | 39.2% | ||
| Q2 25 | 112.8% | 47.1% | ||
| Q1 25 | -69.7% | 32.4% | ||
| Q4 24 | -45.0% | -0.2% | ||
| Q3 24 | 111.9% | 23.1% | ||
| Q2 24 | 90.7% | 25.9% | ||
| Q1 24 | 64.3% | 28.9% |
| Q4 25 | $0.97 | $-1.27 | ||
| Q3 25 | $1.18 | $0.65 | ||
| Q2 25 | $1.04 | $0.78 | ||
| Q1 25 | $-0.82 | $0.52 | ||
| Q4 24 | $-0.54 | $-0.06 | ||
| Q3 24 | $1.06 | $0.26 | ||
| Q2 24 | $0.86 | $0.31 | ||
| Q1 24 | $0.42 | $0.32 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest filing — the kind of financial-strength check premium terminals charge for.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $10.0B | $67.2M |
| Total DebtLower is stronger | $17.1B | $59.2M |
| Stockholders' EquityBook value | $15.5B | $564.9M |
| Total Assets | $196.0B | $5.2B |
| Debt / EquityLower = less leverage | 1.10× | 0.10× |
8-quarter trend — quarters aligned by calendar period so offset fiscal years match up.
| Q4 25 | $10.0B | $67.2M | ||
| Q3 25 | $10.2B | $92.0M | ||
| Q2 25 | $10.6B | $80.9M | ||
| Q1 25 | $10.4B | $83.0M | ||
| Q4 24 | $10.3B | $61.2M | ||
| Q3 24 | $8.6B | $66.0M | ||
| Q2 24 | $7.4B | $438.1M | ||
| Q1 24 | $8.2B | $545.8M |
| Q4 25 | $17.1B | $59.2M | ||
| Q3 25 | $16.7B | $59.2M | ||
| Q2 25 | $15.9B | $59.1M | ||
| Q1 25 | $16.5B | $59.1M | ||
| Q4 24 | $17.5B | $59.1M | ||
| Q3 24 | $16.8B | $59.0M | ||
| Q2 24 | $16.0B | $59.0M | ||
| Q1 24 | $17.0B | $59.0M |
| Q4 25 | $15.5B | $564.9M | ||
| Q3 25 | $15.1B | $550.7M | ||
| Q2 25 | $14.5B | $533.2M | ||
| Q1 25 | $14.2B | $514.2M | ||
| Q4 24 | $13.9B | $495.4M | ||
| Q3 24 | $14.7B | $386.5M | ||
| Q2 24 | $13.9B | $373.2M | ||
| Q1 24 | $13.7B | $371.6M |
| Q4 25 | $196.0B | $5.2B | ||
| Q3 25 | $191.7B | $5.3B | ||
| Q2 25 | $189.5B | $5.3B | ||
| Q1 25 | $193.3B | $5.3B | ||
| Q4 24 | $191.8B | $5.3B | ||
| Q3 24 | $193.0B | $4.4B | ||
| Q2 24 | $192.5B | $4.4B | ||
| Q1 24 | $192.9B | $4.3B |
| Q4 25 | 1.10× | 0.10× | ||
| Q3 25 | 1.11× | 0.11× | ||
| Q2 25 | 1.09× | 0.11× | ||
| Q1 25 | 1.16× | 0.11× | ||
| Q4 24 | 1.26× | 0.12× | ||
| Q3 24 | 1.14× | 0.15× | ||
| Q2 24 | 1.15× | 0.16× | ||
| Q1 24 | 1.25× | 0.16× |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Net income can be massaged; cash flow is harder to fake.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $640.0M | $16.3M |
| Free Cash FlowOCF − Capex | — | $15.3M |
| FCF MarginFCF / Revenue | — | 33.9% |
| Capex IntensityCapex / Revenue; lower = less reinvestment burden | — | 2.3% |
| Cash ConversionOCF / Net Profit; >1× = earnings back up with cash | 1.96× | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $58.8M |
8-quarter trend — quarters aligned by calendar period so offset fiscal years match up.
| Q4 25 | $640.0M | $16.3M | ||
| Q3 25 | $1.2B | $32.8M | ||
| Q2 25 | $947.0M | $10.7M | ||
| Q1 25 | $940.0M | $7.7M | ||
| Q4 24 | $620.0M | $2.3M | ||
| Q3 24 | $992.0M | $20.2M | ||
| Q2 24 | $1.6B | $-12.5M | ||
| Q1 24 | $1.3B | $11.7M |
| Q4 25 | — | $15.3M | ||
| Q3 25 | — | $30.3M | ||
| Q2 25 | — | $7.6M | ||
| Q1 25 | — | $5.7M | ||
| Q4 24 | — | $-2.7M | ||
| Q3 24 | — | $17.4M | ||
| Q2 24 | — | $-16.1M | ||
| Q1 24 | — | $10.8M |
| Q4 25 | — | 33.9% | ||
| Q3 25 | — | 70.3% | ||
| Q2 25 | — | 17.6% | ||
| Q1 25 | — | 13.8% | ||
| Q4 24 | — | -7.1% | ||
| Q3 24 | — | 77.3% | ||
| Q2 24 | — | -67.3% | ||
| Q1 24 | — | 48.7% |
| Q4 25 | — | 2.3% | ||
| Q3 25 | — | 5.7% | ||
| Q2 25 | — | 7.3% | ||
| Q1 25 | — | 5.0% | ||
| Q4 24 | — | 13.2% | ||
| Q3 24 | — | 12.3% | ||
| Q2 24 | — | 15.4% | ||
| Q1 24 | — | 4.0% |
| Q4 25 | 1.96× | — | ||
| Q3 25 | 3.02× | 1.94× | ||
| Q2 25 | 2.69× | 0.53× | ||
| Q1 25 | — | 0.58× | ||
| Q4 24 | — | — | ||
| Q3 24 | 2.78× | 3.88× | ||
| Q2 24 | 5.36× | -2.01× | ||
| Q1 24 | 8.54× | 1.82× |
Financial Flow Comparison
Sankey diagram of revenue → gross profit → operating profit → net profit for each company. Charts shown full-width and stacked so both segment hierarchies are readable side-by-side on desktop and mobile.
Revenue Breakdown by Segment
ALLY
| Noninsurance Contracts | $242.0M | 80% |
| Brokerage Commissionsand Other | $21.0M | 7% |
| Commercial Portfolio Segment | $19.0M | 6% |
| Other | $13.0M | 4% |
| Banking Fees And Interchange Income | $5.0M | 2% |
| Brokered Agent Commissions | $1.0M | 0% |
ALRS
| Other | $17.3M | 38% |
| Retirement And Benefit Services | $17.3M | 38% |
| Wealth Management | $7.4M | 16% |
| Mortgage Banking | $3.2M | 7% |
