vs
Ally Financial Inc.（ALLY）とONESPAWORLD HOLDINGS Ltd（OSW）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 $242.1M、ONESPAWORLD HOLDINGS Ltdの約1.2倍）。Ally Financial Inc.の純利益率が高く（108.6% vs 5.0%、差は103.7%）。ONESPAWORLD HOLDINGS Ltdの前年同期比売上増加率が高い（11.5% 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 7.1%）
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 OSW — 直接比較
売上が大きい
ALLY
1.2倍大きい
$242.1M
売上成長率が高い
OSW
+14.7%の差
-3.2%
純利益率が高い
ALLY
純利益率が103.7%高い
5.0%
2年売上CAGRが高い
ALLY
2年複合成長率
7.1%
損益計算書 — Q4 FY2025 vs Q4 FY2025
| 指標 | | |
|---|---|---|
| 売上 | $301.0M | $242.1M |
| 純利益 | $327.0M | $12.1M |
| 粗利率 | — | — |
| 営業利益率 | — | 6.8% |
| 純利益率 | 108.6% | 5.0% |
| 売上前年比 | -3.2% | 11.5% |
| 純利益前年比 | 333.6% | -16.2% |
| EPS（希薄化後） | $0.97 | $0.12 |
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ALLYOSW
| Q4 25 | $301.0M | $242.1M | ||
| Q3 25 | $308.0M | $258.5M | ||
| Q2 25 | $312.0M | $240.7M | ||
| Q1 25 | $323.0M | $219.6M | ||
| Q4 24 | $311.0M | $217.2M | ||
| Q3 24 | $319.0M | $241.7M | ||
| Q2 24 | $324.0M | $224.9M | ||
| Q1 24 | $244.0M | $211.2M |
純利益ALLYOSW
| Q4 25 | $327.0M | $12.1M | ||
| Q3 25 | $398.0M | $24.3M | ||
| Q2 25 | $352.0M | $19.9M | ||
| Q1 25 | $-225.0M | $15.3M | ||
| Q4 24 | $-140.0M | $14.4M | ||
| Q3 24 | $357.0M | $21.6M | ||
| Q2 24 | $294.0M | $15.8M | ||
| Q1 24 | $157.0M | $21.2M |
営業利益率ALLYOSW
| Q4 25 | — | 6.8% | ||
| Q3 25 | — | 10.2% | ||
| Q2 25 | — | 9.2% | ||
| Q1 25 | -87.9% | 7.7% | ||
| Q4 24 | 56.3% | 7.9% | ||
| Q3 24 | 73.0% | 10.3% | ||
| Q2 24 | 79.3% | 8.4% | ||
| Q1 24 | 70.1% | 8.0% |
純利益率ALLYOSW
| Q4 25 | 108.6% | 5.0% | ||
| Q3 25 | 129.2% | 9.4% | ||
| Q2 25 | 112.8% | 8.3% | ||
| Q1 25 | -69.7% | 7.0% | ||
| Q4 24 | -45.0% | 6.6% | ||
| Q3 24 | 111.9% | 8.9% | ||
| Q2 24 | 90.7% | 7.0% | ||
| Q1 24 | 64.3% | 10.0% |
EPS（希薄化後）ALLYOSW
| Q4 25 | $0.97 | $0.12 | ||
| Q3 25 | $1.18 | $0.23 | ||
| Q2 25 | $1.04 | $0.19 | ||
| Q1 25 | $-0.82 | $0.15 | ||
| Q4 24 | $-0.54 | $0.13 | ||
| Q3 24 | $1.06 | $0.20 | ||
| Q2 24 | $0.86 | $0.15 | ||
| Q1 24 | $0.42 | $0.21 |
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 | $16.3M |
| 総負債低いほど良い | $17.1B | $84.0M |
| 株主資本純資産 | $15.5B | $542.6M |
| 総資産 | $196.0B | $707.1M |
| 負債/資本比率低いほどレバレッジが低い | 1.10× | 0.15× |
8四半期トレンド — 暦四半期で整列
現金・短期投資ALLYOSW
| Q4 25 | $10.0B | $16.3M | ||
| Q3 25 | $10.2B | $29.6M | ||
| Q2 25 | $10.6B | $35.0M | ||
| Q1 25 | $10.4B | $22.6M | ||
| Q4 24 | $10.3B | $57.4M | ||
| Q3 24 | $8.6B | $48.8M | ||
| Q2 24 | $7.4B | $62.5M | ||
| Q1 24 | $8.2B | $65.4M |
総負債ALLYOSW
| Q4 25 | $17.1B | $84.0M | ||
| Q3 25 | $16.7B | $85.2M | ||
| Q2 25 | $15.9B | $96.2M | ||
| Q1 25 | $16.5B | $97.4M | ||
| Q4 24 | $17.5B | $98.6M | ||
| Q3 24 | $16.8B | $98.7M | ||
| Q2 24 | $16.0B | $123.8M | ||
| Q1 24 | $17.0B | $138.6M |
株主資本ALLYOSW
| Q4 25 | $15.5B | $542.6M | ||
| Q3 25 | $15.1B | $552.8M | ||
| Q2 25 | $14.5B | $548.3M | ||
| Q1 25 | $14.2B | $530.6M | ||
| Q4 24 | $13.9B | $554.5M | ||
| Q3 24 | $14.7B | $540.1M | ||
| Q2 24 | $13.9B | $532.7M | ||
| Q1 24 | $13.7B | $515.5M |
総資産ALLYOSW
| Q4 25 | $196.0B | $707.1M | ||
| Q3 25 | $191.7B | $732.6M | ||
| Q2 25 | $189.5B | $731.8M | ||
| Q1 25 | $193.3B | $708.7M | ||
| Q4 24 | $191.8B | $746.4M | ||
| Q3 24 | $193.0B | $734.0M | ||
| Q2 24 | $192.5B | $756.8M | ||
| Q1 24 | $192.9B | $763.6M |
負債/資本比率ALLYOSW
| Q4 25 | 1.10× | 0.15× | ||
| Q3 25 | 1.11× | 0.15× | ||
| Q2 25 | 1.09× | 0.18× | ||
| Q1 25 | 1.16× | 0.18× | ||
| Q4 24 | 1.26× | 0.18× | ||
| Q3 24 | 1.14× | 0.18× | ||
| Q2 24 | 1.15× | 0.23× | ||
| 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 | $20.0M |
| フリーキャッシュフロー営業CF - 設備投資 | — | $14.9M |
| FCFマージンFCF / 売上 | — | 6.2% |
| 設備投資強度設備投資 / 売上 | — | 2.1% |
| キャッシュ転換率営業CF / 純利益 | 1.96× | 1.65× |
| 直近12ヶ月FCF直近4四半期 | — | $68.4M |
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ALLYOSW
| Q4 25 | $640.0M | $20.0M | ||
| Q3 25 | $1.2B | $33.2M | ||
| Q2 25 | $947.0M | $20.3M | ||
| Q1 25 | $940.0M | $10.1M | ||
| Q4 24 | $620.0M | $16.6M | ||
| Q3 24 | $992.0M | $28.6M | ||
| Q2 24 | $1.6B | $18.7M | ||
| Q1 24 | $1.3B | $15.0M |
フリーキャッシュフローALLYOSW
| Q4 25 | — | $14.9M | ||
| Q3 25 | — | $27.6M | ||
| Q2 25 | — | $17.6M | ||
| Q1 25 | — | $8.4M | ||
| Q4 24 | — | $13.2M | ||
| Q3 24 | — | $27.5M | ||
| Q2 24 | — | $17.6M | ||
| Q1 24 | — | $13.7M |
FCFマージンALLYOSW
| Q4 25 | — | 6.2% | ||
| Q3 25 | — | 10.7% | ||
| Q2 25 | — | 7.3% | ||
| Q1 25 | — | 3.8% | ||
| Q4 24 | — | 6.1% | ||
| Q3 24 | — | 11.4% | ||
| Q2 24 | — | 7.8% | ||
| Q1 24 | — | 6.5% |
設備投資強度ALLYOSW
| Q4 25 | — | 2.1% | ||
| Q3 25 | — | 2.2% | ||
| Q2 25 | — | 1.1% | ||
| Q1 25 | — | 0.8% | ||
| Q4 24 | — | 1.5% | ||
| Q3 24 | — | 0.5% | ||
| Q2 24 | — | 0.5% | ||
| Q1 24 | — | 0.6% |
キャッシュ転換率ALLYOSW
| Q4 25 | 1.96× | 1.65× | ||
| Q3 25 | 3.02× | 1.36× | ||
| Q2 25 | 2.69× | 1.02× | ||
| Q1 25 | — | 0.66× | ||
| Q4 24 | — | 1.15× | ||
| Q3 24 | 2.78× | 1.33× | ||
| Q2 24 | 5.36× | 1.19× | ||
| 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% |
OSW
| Services | $197.3M | 82% |
| Products | $44.8M | 18% |
