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Ally Financial Inc.（ALLY）とCSW INDUSTRIALS, INC.（CSW）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
Ally Financial Inc.の直近四半期売上が大きい（$301.0M vs $233.0M、CSW INDUSTRIALS, INC.の約1.3倍）。Ally Financial Inc.の純利益率が高く（108.6% vs 4.4%、差は104.2%）。CSW INDUSTRIALS, INC.の前年同期比売上増加率が高い（20.3% 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 5.1%）
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。
ALLY vs CSW — 直接比較
売上が大きい
ALLY
1.3倍大きい
$233.0M
売上成長率が高い
CSW
+23.5%の差
-3.2%
純利益率が高い
ALLY
純利益率が104.2%高い
4.4%
2年売上CAGRが高い
ALLY
2年複合成長率
5.1%
損益計算書 — Q4 FY2025 vs Q3 FY2026
| 指標 | | |
|---|---|---|
| 売上 | $301.0M | $233.0M |
| 純利益 | $327.0M | $10.3M |
| 粗利率 | — | 39.7% |
| 営業利益率 | — | 7.4% |
| 純利益率 | 108.6% | 4.4% |
| 売上前年比 | -3.2% | 20.3% |
| 純利益前年比 | 333.6% | -61.9% |
| EPS（希薄化後） | $0.97 | $0.62 |
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
売上ALLYCSW
| Q4 25 | $301.0M | $233.0M | ||
| Q3 25 | $308.0M | $277.0M | ||
| Q2 25 | $312.0M | $263.6M | ||
| Q1 25 | $323.0M | $230.5M | ||
| Q4 24 | $311.0M | $193.6M | ||
| Q3 24 | $319.0M | $227.9M | ||
| Q2 24 | $324.0M | $226.2M | ||
| Q1 24 | $244.0M | $210.9M |
純利益ALLYCSW
| Q4 25 | $327.0M | $10.3M | ||
| Q3 25 | $398.0M | $40.7M | ||
| Q2 25 | $352.0M | $40.9M | ||
| Q1 25 | $-225.0M | $35.1M | ||
| Q4 24 | $-140.0M | $26.9M | ||
| Q3 24 | $357.0M | $36.1M | ||
| Q2 24 | $294.0M | $38.6M | ||
| Q1 24 | $157.0M | $31.8M |
粗利率ALLYCSW
| Q4 25 | — | 39.7% | ||
| Q3 25 | — | 43.0% | ||
| Q2 25 | — | 43.8% | ||
| Q1 25 | — | 44.2% | ||
| Q4 24 | — | 41.4% | ||
| Q3 24 | — | 45.6% | ||
| Q2 24 | — | 47.5% | ||
| Q1 24 | — | 44.4% |
営業利益率ALLYCSW
| Q4 25 | — | 7.4% | ||
| Q3 25 | — | 20.5% | ||
| Q2 25 | — | 20.8% | ||
| Q1 25 | -87.9% | 19.5% | ||
| Q4 24 | 56.3% | 15.3% | ||
| Q3 24 | 73.0% | 22.6% | ||
| Q2 24 | 79.3% | 24.3% | ||
| Q1 24 | 70.1% | 21.0% |
純利益率ALLYCSW
| Q4 25 | 108.6% | 4.4% | ||
| Q3 25 | 129.2% | 14.7% | ||
| Q2 25 | 112.8% | 15.5% | ||
| Q1 25 | -69.7% | 15.2% | ||
| Q4 24 | -45.0% | 13.9% | ||
| Q3 24 | 111.9% | 15.8% | ||
| Q2 24 | 90.7% | 17.1% | ||
| Q1 24 | 64.3% | 15.1% |
EPS（希薄化後）ALLYCSW
| Q4 25 | $0.97 | $0.62 | ||
| Q3 25 | $1.18 | $2.41 | ||
| Q2 25 | $1.04 | $2.43 | ||
| Q1 25 | $-0.82 | $2.05 | ||
| Q4 24 | $-0.54 | $1.60 | ||
| Q3 24 | $1.06 | $2.26 | ||
| Q2 24 | $0.86 | $2.47 | ||
| Q1 24 | $0.42 | $2.03 |
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 | $40.2M |
| 総負債低いほど良い | $17.1B | — |
| 株主資本純資産 | $15.5B | $1.1B |
| 総資産 | $196.0B | $2.3B |
| 負債/資本比率低いほどレバレッジが低い | 1.10× | — |
8四半期トレンド — 暦四半期で整列
現金・短期投資ALLYCSW
| Q4 25 | $10.0B | $40.2M | ||
| Q3 25 | $10.2B | $31.5M | ||
| Q2 25 | $10.6B | $38.0M | ||
| Q1 25 | $10.4B | $225.8M | ||
| Q4 24 | $10.3B | $213.8M | ||
| Q3 24 | $8.6B | $273.2M | ||
| Q2 24 | $7.4B | $18.9M | ||
| Q1 24 | $8.2B | $22.2M |
総負債ALLYCSW
| Q4 25 | $17.1B | — | ||
| Q3 25 | $16.7B | — | ||
| Q2 25 | $15.9B | — | ||
| Q1 25 | $16.5B | $800.1M | ||
| Q4 24 | $17.5B | — | ||
| Q3 24 | $16.8B | — | ||
| Q2 24 | $16.0B | — | ||
| Q1 24 | $17.0B | $166.0M |
株主資本ALLYCSW
| Q4 25 | $15.5B | $1.1B | ||
| Q3 25 | $15.1B | $1.1B | ||
| Q2 25 | $14.5B | $1.1B | ||
| Q1 25 | $14.2B | $1.1B | ||
| Q4 24 | $13.9B | $1.0B | ||
| Q3 24 | $14.7B | $1.0B | ||
| Q2 24 | $13.9B | $650.2M | ||
| Q1 24 | $13.7B | $615.7M |
総資産ALLYCSW
| Q4 25 | $196.0B | $2.3B | ||
| Q3 25 | $191.7B | $1.5B | ||
| Q2 25 | $189.5B | $1.5B | ||
| Q1 25 | $193.3B | $1.4B | ||
| Q4 24 | $191.8B | $1.4B | ||
| Q3 24 | $193.0B | $1.4B | ||
| Q2 24 | $192.5B | $1.1B | ||
| Q1 24 | $192.9B | $1.0B |
負債/資本比率ALLYCSW
| Q4 25 | 1.10× | — | ||
| Q3 25 | 1.11× | — | ||
| Q2 25 | 1.09× | — | ||
| Q1 25 | 1.16× | 0.75× | ||
| Q4 24 | 1.26× | — | ||
| Q3 24 | 1.14× | — | ||
| Q2 24 | 1.15× | — | ||
| Q1 24 | 1.25× | 0.27× |
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 | $28.9M |
| フリーキャッシュフロー営業CF - 設備投資 | — | $22.7M |
| FCFマージンFCF / 売上 | — | 9.8% |
| 設備投資強度設備投資 / 売上 | — | 2.6% |
| キャッシュ転換率営業CF / 純利益 | 1.96× | 2.81× |
| 直近12ヶ月FCF直近4四半期 | — | $162.0M |
8四半期トレンド — 暦四半期で整列
営業キャッシュフローALLYCSW
| Q4 25 | $640.0M | $28.9M | ||
| Q3 25 | $1.2B | $61.8M | ||
| Q2 25 | $947.0M | $60.6M | ||
| Q1 25 | $940.0M | $27.3M | ||
| Q4 24 | $620.0M | $11.6M | ||
| Q3 24 | $992.0M | $66.8M | ||
| Q2 24 | $1.6B | $62.7M | ||
| Q1 24 | $1.3B | $22.4M |
フリーキャッシュフローALLYCSW
| Q4 25 | — | $22.7M | ||
| Q3 25 | — | $58.7M | ||
| Q2 25 | — | $57.7M | ||
| Q1 25 | — | $22.8M | ||
| Q4 24 | — | $8.5M | ||
| Q3 24 | — | $61.3M | ||
| Q2 24 | — | $59.6M | ||
| Q1 24 | — | $17.5M |
FCFマージンALLYCSW
| Q4 25 | — | 9.8% | ||
| Q3 25 | — | 21.2% | ||
| Q2 25 | — | 21.9% | ||
| Q1 25 | — | 9.9% | ||
| Q4 24 | — | 4.4% | ||
| Q3 24 | — | 26.9% | ||
| Q2 24 | — | 26.3% | ||
| Q1 24 | — | 8.3% |
設備投資強度ALLYCSW
| Q4 25 | — | 2.6% | ||
| Q3 25 | — | 1.1% | ||
| Q2 25 | — | 1.1% | ||
| Q1 25 | — | 2.0% | ||
| Q4 24 | — | 1.6% | ||
| Q3 24 | — | 2.4% | ||
| Q2 24 | — | 1.4% | ||
| Q1 24 | — | 2.3% |
キャッシュ転換率ALLYCSW
| Q4 25 | 1.96× | 2.81× | ||
| Q3 25 | 3.02× | 1.52× | ||
| Q2 25 | 2.69× | 1.48× | ||
| Q1 25 | — | 0.78× | ||
| Q4 24 | — | 0.43× | ||
| Q3 24 | 2.78× | 1.85× | ||
| Q2 24 | 5.36× | 1.62× | ||
| Q1 24 | 8.54× | 0.71× |
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% |
CSW
| Contractor Solutions Segment | $166.3M | 71% |
| Specialized Reliability Solutions Segment | $38.2M | 16% |
| Engineered Building Solutions Segment | $28.5M | 12% |
