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Ally Financial Inc.（ALLY）与Apellis Pharmaceuticals, Inc.（APLS）财务数据对比。点击上方公司名可切换其他公司
Ally Financial Inc.的季度营收约是Apellis Pharmaceuticals, Inc.的1.5倍（$301.0M vs $199.9M），Ally Financial Inc.净利率更高（108.6% vs -29.5%，领先138.1%），Ally Financial Inc.同比增速更快（-3.2% vs -5.9%），过去两年Ally Financial Inc.的营收复合增速更高（11.1% vs 7.7%）
Ally Financial Inc.是注册于美国特拉华州、总部位于密歇根州底特律的银行控股企业，业务覆盖汽车金融、直营银行线上服务、企业贷款、车辆保险、住房抵押贷款，以及分期销售、租赁协议等相关配套融资服务。
Apellis Pharmaceuticals是一家临床阶段生物制药企业，专注于开发调节补体系统的靶向疗法，适应症覆盖年龄相关性黄斑变性继发地图样萎缩等眼科疾病、罕见血液病及自身免疫性疾病，核心市场为美国及欧盟地区。
ALLY vs APLS — 直观对比
营收规模更大
ALLY
是对方的1.5倍
$199.9M
营收增速更快
ALLY
高出2.7%
-5.9%
净利率更高
ALLY
高出138.1%
-29.5%
两年增速更快
ALLY
近两年复合增速
7.7%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $301.0M | $199.9M |
| 净利润 | $327.0M | $-59.0M |
| 毛利率 | — | — |
| 营业利润率 | — | -25.6% |
| 净利率 | 108.6% | -29.5% |
| 营收同比 | -3.2% | -5.9% |
| 净利润同比 | 333.6% | -62.2% |
| 每股收益（稀释后） | $0.97 | $-0.40 |
绿色 = 该指标领先。财年不对齐时期间可能不同
8季度营收与利润趋势
并排季度历史对比，按日历期对齐，财年错位的公司也能正确匹配
营收ALLYAPLS
| Q4 25 | $301.0M | $199.9M | ||
| Q3 25 | $308.0M | $458.6M | ||
| Q2 25 | $312.0M | $178.5M | ||
| Q1 25 | $323.0M | $166.8M | ||
| Q4 24 | $311.0M | $212.5M | ||
| Q3 24 | $319.0M | $196.8M | ||
| Q2 24 | $324.0M | $199.7M | ||
| Q1 24 | $244.0M | $172.3M |
净利润ALLYAPLS
| Q4 25 | $327.0M | $-59.0M | ||
| Q3 25 | $398.0M | $215.7M | ||
| Q2 25 | $352.0M | $-42.2M | ||
| Q1 25 | $-225.0M | $-92.2M | ||
| Q4 24 | $-140.0M | $-36.4M | ||
| Q3 24 | $357.0M | $-57.4M | ||
| Q2 24 | $294.0M | $-37.7M | ||
| Q1 24 | $157.0M | $-66.4M |
营业利润率ALLYAPLS
| Q4 25 | — | -25.6% | ||
| Q3 25 | — | 48.7% | ||
| Q2 25 | — | -18.6% | ||
| Q1 25 | -87.9% | -50.0% | ||
| Q4 24 | 56.3% | -12.3% | ||
| Q3 24 | 73.0% | -24.0% | ||
| Q2 24 | 79.3% | -14.7% | ||
| Q1 24 | 70.1% | -36.0% |
净利率ALLYAPLS
| Q4 25 | 108.6% | -29.5% | ||
| Q3 25 | 129.2% | 47.0% | ||
| Q2 25 | 112.8% | -23.6% | ||
| Q1 25 | -69.7% | -55.3% | ||
| Q4 24 | -45.0% | -17.1% | ||
| Q3 24 | 111.9% | -29.2% | ||
| Q2 24 | 90.7% | -18.9% | ||
| Q1 24 | 64.3% | -38.5% |
每股收益（稀释后）ALLYAPLS
| Q4 25 | $0.97 | $-0.40 | ||
| Q3 25 | $1.18 | $1.67 | ||
| Q2 25 | $1.04 | $-0.33 | ||
| Q1 25 | $-0.82 | $-0.74 | ||
| Q4 24 | $-0.54 | $-0.30 | ||
| Q3 24 | $1.06 | $-0.46 | ||
| Q2 24 | $0.86 | $-0.30 | ||
| Q1 24 | $0.42 | $-0.54 |
资产负债表与财务实力
最新季度各公司的流动性、杠杆与账面价值一览
| 指标 | | |
|---|---|---|
| 现金及短期投资手头流动性 | $10.0B | $466.2M |
| 总债务越低越好 | $17.1B | — |
| 股东权益账面价值 | $15.5B | $370.1M |
| 总资产 | $196.0B | $1.1B |
| 负债/权益比越低杠杆越低 | 1.10× | — |
8季度趋势，按日历期对齐
现金及短期投资ALLYAPLS
| Q4 25 | $10.0B | $466.2M | ||
| Q3 25 | $10.2B | $479.2M | ||
| Q2 25 | $10.6B | $370.0M | ||
| Q1 25 | $10.4B | $358.4M | ||
| Q4 24 | $10.3B | $411.3M | ||
| Q3 24 | $8.6B | $396.9M | ||
| Q2 24 | $7.4B | $360.1M | ||
| Q1 24 | $8.2B | $325.9M |
总债务ALLYAPLS
| Q4 25 | $17.1B | — | ||
| Q3 25 | $16.7B | — | ||
| Q2 25 | $15.9B | — | ||
| Q1 25 | $16.5B | — | ||
| Q4 24 | $17.5B | — | ||
| Q3 24 | $16.8B | — | ||
| Q2 24 | $16.0B | — | ||
| Q1 24 | $17.0B | $93.1M |
股东权益ALLYAPLS
| Q4 25 | $15.5B | $370.1M | ||
| Q3 25 | $15.1B | $401.2M | ||
| Q2 25 | $14.5B | $156.3M | ||
| Q1 25 | $14.2B | $164.2M | ||
| Q4 24 | $13.9B | $228.5M | ||
| Q3 24 | $14.7B | $237.1M | ||
| Q2 24 | $13.9B | $264.3M | ||
| Q1 24 | $13.7B | $266.7M |
总资产ALLYAPLS
| Q4 25 | $196.0B | $1.1B | ||
| Q3 25 | $191.7B | $1.1B | ||
| Q2 25 | $189.5B | $821.4M | ||
| Q1 25 | $193.3B | $807.3M | ||
| Q4 24 | $191.8B | $885.1M | ||
| Q3 24 | $193.0B | $901.9M | ||
| Q2 24 | $192.5B | $904.5M | ||
| Q1 24 | $192.9B | $831.9M |
负债/权益比ALLYAPLS
| Q4 25 | 1.10× | — | ||
| Q3 25 | 1.11× | — | ||
| Q2 25 | 1.09× | — | ||
| Q1 25 | 1.16× | — | ||
| Q4 24 | 1.26× | — | ||
| Q3 24 | 1.14× | — | ||
| Q2 24 | 1.15× | — | ||
| Q1 24 | 1.25× | 0.35× |
现金流与资本效率
扣除再投资后实际产生的现金。现金流比净利润更难造假
| 指标 | | |
|---|---|---|
| 经营现金流最新季度 | $640.0M | $-14.2M |
| 自由现金流经营现金流 - 资本支出 | — | $-14.3M |
| 自由现金流率自由现金流/营收 | — | -7.1% |
| 资本支出强度资本支出/营收 | — | 0.1% |
| 现金转化率经营现金流/净利润 | 1.96× | — |
| 过去12个月自由现金流最近4个季度 | — | $45.0M |
8季度趋势，按日历期对齐
经营现金流ALLYAPLS
| Q4 25 | $640.0M | $-14.2M | ||
| Q3 25 | $1.2B | $108.5M | ||
| Q2 25 | $947.0M | $4.4M | ||
| Q1 25 | $940.0M | $-53.4M | ||
| Q4 24 | $620.0M | $19.4M | ||
| Q3 24 | $992.0M | $34.1M | ||
| Q2 24 | $1.6B | $-8.3M | ||
| Q1 24 | $1.3B | $-133.0M |
自由现金流ALLYAPLS
| Q4 25 | — | $-14.3M | ||
| Q3 25 | — | $108.3M | ||
| Q2 25 | — | $4.4M | ||
| Q1 25 | — | $-53.4M | ||
| Q4 24 | — | $19.3M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | $-8.4M | ||
| Q1 24 | — | $-133.3M |
自由现金流率ALLYAPLS
| Q4 25 | — | -7.1% | ||
| Q3 25 | — | 23.6% | ||
| Q2 25 | — | 2.5% | ||
| Q1 25 | — | -32.0% | ||
| Q4 24 | — | 9.1% | ||
| Q3 24 | — | — | ||
| Q2 24 | — | -4.2% | ||
| Q1 24 | — | -77.3% |
资本支出强度ALLYAPLS
| Q4 25 | — | 0.1% | ||
| Q3 25 | — | 0.0% | ||
| Q2 25 | — | 0.0% | ||
| Q1 25 | — | 0.0% | ||
| Q4 24 | — | 0.0% | ||
| Q3 24 | — | 0.0% | ||
| Q2 24 | — | 0.0% | ||
| Q1 24 | — | 0.2% |
现金转化率ALLYAPLS
| Q4 25 | 1.96× | — | ||
| Q3 25 | 3.02× | 0.50× | ||
| Q2 25 | 2.69× | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 2.78× | — | ||
| Q2 24 | 5.36× | — | ||
| Q1 24 | 8.54× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
业务分部营收拆解
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% |
APLS
| Syfovre | $155.2M | 78% |
| Empaveli Pegcetacoplan | $35.1M | 18% |
| Licensing And Other Revenue | $9.6M | 5% |
