vs
Ally Financial Inc.（ALLY）とCSG SYSTEMS INTERNATIONAL INC（CSGS）の財務データ比較。上の社名をクリックして会社を切り替えられます
CSG SYSTEMS INTERNATIONAL INCの直近四半期売上が大きい（$323.1M vs $301.0M、Ally Financial Inc.の約1.1倍）。Ally Financial Inc.の純利益率が高く（108.6% vs 2.2%、差は106.5%）。CSG SYSTEMS INTERNATIONAL INCの前年同期比売上増加率が高い（2.0% vs -3.2%）。過去8四半期でAlly Financial Inc.の売上複合成長率が高い（11.1% vs 4.6%）
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。
中国南玻集団股フン有限公司は中国最大級の建築用ガラスメーカーで、浮きガラス、建築用ガラス、ディスプレイ用ガラス、自動車用ガラス、コーティングガラス、鏡、カラーフィルターガラス、太陽光発電用ガラス、省エネガラスなど多種多様なガラス製品の製造・販売を手がけています。
ALLY vs CSGS — 直接比較
損益計算書 — Q4 FY2025 vs Q4 FY2025
| 指標 | | |
|---|---|---|
| 売上 | $301.0M | $323.1M |
| 純利益 | $327.0M | $7.0M |
| 粗利率 | — | 50.0% |
| 営業利益率 | — | 9.0% |
| 純利益率 | 108.6% | 2.2% |
| 売上前年比 | -3.2% | 2.0% |
| 純利益前年比 | 333.6% | -79.7% |
| EPS（希薄化後） | $0.97 | $0.24 |
緑 = その指標でリード。会計年度がずれている場合は期間が異なる場合あり
8四半期 売上・利益トレンド
並べて比較する四半期履歴。決算期がずれていても暦四半期で整列
| Q4 25 | $301.0M | $323.1M | ||
| Q3 25 | $308.0M | $303.6M | ||
| Q2 25 | $312.0M | $297.1M | ||
| Q1 25 | $323.0M | $299.5M | ||
| Q4 24 | $311.0M | $316.7M | ||
| Q3 24 | $319.0M | $295.1M | ||
| Q2 24 | $324.0M | $290.3M | ||
| Q1 24 | $244.0M | $295.1M |
| Q4 25 | $327.0M | $7.0M | ||
| Q3 25 | $398.0M | $20.5M | ||
| Q2 25 | $352.0M | $12.3M | ||
| Q1 25 | $-225.0M | $16.1M | ||
| Q4 24 | $-140.0M | $34.5M | ||
| Q3 24 | $357.0M | $19.1M | ||
| Q2 24 | $294.0M | $13.8M | ||
| Q1 24 | $157.0M | $19.5M |
| Q4 25 | — | 50.0% | ||
| Q3 25 | — | 48.1% | ||
| Q2 25 | — | 49.5% | ||
| Q1 25 | — | 48.4% | ||
| Q4 24 | — | 51.3% | ||
| Q3 24 | — | 49.4% | ||
| Q2 24 | — | 47.3% | ||
| Q1 24 | — | 46.5% |
| Q4 25 | — | 9.0% | ||
| Q3 25 | — | 10.0% | ||
| Q2 25 | — | 10.0% | ||
| Q1 25 | -87.9% | 9.8% | ||
| Q4 24 | 56.3% | 13.4% | ||
| Q3 24 | 73.0% | 10.8% | ||
| Q2 24 | 79.3% | 8.8% | ||
| Q1 24 | 70.1% | 10.8% |
| Q4 25 | 108.6% | 2.2% | ||
| Q3 25 | 129.2% | 6.7% | ||
| Q2 25 | 112.8% | 4.1% | ||
| Q1 25 | -69.7% | 5.4% | ||
| Q4 24 | -45.0% | 10.9% | ||
| Q3 24 | 111.9% | 6.5% | ||
| Q2 24 | 90.7% | 4.8% | ||
| Q1 24 | 64.3% | 6.6% |
| Q4 25 | $0.97 | $0.24 | ||
| Q3 25 | $1.18 | $0.73 | ||
| Q2 25 | $1.04 | $0.44 | ||
| Q1 25 | $-0.82 | $0.57 | ||
| Q4 24 | $-0.54 | $1.20 | ||
| Q3 24 | $1.06 | $0.67 | ||
| Q2 24 | $0.86 | $0.48 | ||
| Q1 24 | $0.42 | $0.68 |
貸借対照表と財務力
直近四半期の流動性・レバレッジ・純資産のスナップショット
| 指標 | | |
|---|---|---|
| 現金・短期投資手元流動性 | $10.0B | $180.0M |
| 総負債低いほど良い | $17.1B | $539.5M |
| 株主資本純資産 | $15.5B | $283.7M |
| 総資産 | $196.0B | $1.5B |
| 負債/資本比率低いほどレバレッジが低い | 1.10× | 1.90× |
8四半期トレンド — 暦四半期で整列
| Q4 25 | $10.0B | $180.0M | ||
| Q3 25 | $10.2B | $158.4M | ||
| Q2 25 | $10.6B | $145.9M | ||
| Q1 25 | $10.4B | $136.0M | ||
| Q4 24 | $10.3B | $161.8M | ||
| Q3 24 | $8.6B | $118.4M | ||
| Q2 24 | $7.4B | $110.4M | ||
| Q1 24 | $8.2B | $120.8M |
| Q4 25 | $17.1B | $539.5M | ||
| Q3 25 | $16.7B | $538.6M | ||
| Q2 25 | $15.9B | $537.8M | ||
| Q1 25 | $16.5B | $537.6M | ||
| Q4 24 | $17.5B | $538.5M | ||
| Q3 24 | $16.8B | $539.5M | ||
| Q2 24 | $16.0B | $540.5M | ||
| Q1 24 | $17.0B | $541.5M |
| Q4 25 | $15.5B | $283.7M | ||
| Q3 25 | $15.1B | $289.5M | ||
| Q2 25 | $14.5B | $290.7M | ||
| Q1 25 | $14.2B | $283.1M | ||
| Q4 24 | $13.9B | $282.6M | ||
| Q3 24 | $14.7B | $288.4M | ||
| Q2 24 | $13.9B | $273.3M | ||
| Q1 24 | $13.7B | $269.3M |
| Q4 25 | $196.0B | $1.5B | ||
| Q3 25 | $191.7B | $1.5B | ||
| Q2 25 | $189.5B | $1.4B | ||
| Q1 25 | $193.3B | $1.4B | ||
| Q4 24 | $191.8B | $1.5B | ||
| Q3 24 | $193.0B | $1.4B | ||
| Q2 24 | $192.5B | $1.4B | ||
| Q1 24 | $192.9B | $1.3B |
| Q4 25 | 1.10× | 1.90× | ||
| Q3 25 | 1.11× | 1.86× | ||
| Q2 25 | 1.09× | 1.85× | ||
| Q1 25 | 1.16× | 1.90× | ||
| Q4 24 | 1.26× | 1.91× | ||
| Q3 24 | 1.14× | 1.87× | ||
| Q2 24 | 1.15× | 1.98× | ||
| Q1 24 | 1.25× | 2.01× |
キャッシュフローと資本効率
再投資後に実際に生み出すキャッシュ。純利益より操作が難しい
| 指標 | | |
|---|---|---|
| 営業キャッシュフロー直近四半期 | $640.0M | $59.2M |
| フリーキャッシュフロー営業CF - 設備投資 | — | $55.8M |
| FCFマージンFCF / 売上 | — | 17.3% |
| 設備投資強度設備投資 / 売上 | — | 1.1% |
| キャッシュ転換率営業CF / 純利益 | 1.96× | 8.46× |
| 直近12ヶ月FCF直近4四半期 | — | $141.4M |
8四半期トレンド — 暦四半期で整列
| Q4 25 | $640.0M | $59.2M | ||
| Q3 25 | $1.2B | $47.9M | ||
| Q2 25 | $947.0M | $37.3M | ||
| Q1 25 | $940.0M | $11.5M | ||
| Q4 24 | $620.0M | $82.5M | ||
| Q3 24 | $992.0M | $39.5M | ||
| Q2 24 | $1.6B | $43.1M | ||
| Q1 24 | $1.3B | $-29.4M |
| Q4 25 | — | $55.8M | ||
| Q3 25 | — | $43.9M | ||
| Q2 25 | — | $34.6M | ||
| Q1 25 | — | $7.1M | ||
| Q4 24 | — | $76.6M | ||
| Q3 24 | — | $32.0M | ||
| Q2 24 | — | $38.8M | ||
| Q1 24 | — | $-34.1M |
| Q4 25 | — | 17.3% | ||
| Q3 25 | — | 14.5% | ||
| Q2 25 | — | 11.6% | ||
| Q1 25 | — | 2.4% | ||
| Q4 24 | — | 24.2% | ||
| Q3 24 | — | 10.8% | ||
| Q2 24 | — | 13.4% | ||
| Q1 24 | — | -11.6% |
| Q4 25 | — | 1.1% | ||
| Q3 25 | — | 1.3% | ||
| Q2 25 | — | 0.9% | ||
| Q1 25 | — | 1.5% | ||
| Q4 24 | — | 1.9% | ||
| Q3 24 | — | 2.5% | ||
| Q2 24 | — | 1.5% | ||
| Q1 24 | — | 1.6% |
| Q4 25 | 1.96× | 8.46× | ||
| Q3 25 | 3.02× | 2.34× | ||
| Q2 25 | 2.69× | 3.04× | ||
| Q1 25 | — | 0.71× | ||
| Q4 24 | — | 2.39× | ||
| Q3 24 | 2.78× | 2.07× | ||
| Q2 24 | 5.36× | 3.12× | ||
| Q1 24 | 8.54× | -1.51× |
財務フロー比較
売上 → 粗利 → 営業利益 → 純利益のサンキー図
セグメント別売上内訳
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% |
CSGS
| Software As A Service And Related Solutions | $287.2M | 89% |
| License And Service | $22.6M | 7% |
| Maintenance | $13.3M | 4% |
