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Ally Financial Inc.（ALLY）与APOGEE ENTERPRISES, INC.（APOG）财务数据对比。点击上方公司名可切换其他公司
APOGEE ENTERPRISES, INC.的季度营收约是Ally Financial Inc.的1.2倍（$351.4M vs $301.0M），Ally Financial Inc.净利率更高（108.6% vs 4.7%，领先103.9%），APOGEE ENTERPRISES, INC.同比增速更快（1.6% vs -3.2%），过去两年Ally Financial Inc.的营收复合增速更高（11.1% vs 2.9%）
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。
Apogee Enterprises是一家美国音频设备制造商，主营音频接口、模数与数模转换器、USB及iOS麦克风，同时还开发音频制作相关软件，产品广泛服务于专业录音、音乐创作等音频领域，在全球音频行业拥有较高的认可度。
ALLY vs APOG — 直观对比
营收规模更大
APOG
是对方的1.2倍
$301.0M
营收增速更快
APOG
高出4.8%
-3.2%
净利率更高
ALLY
高出103.9%
4.7%
两年增速更快
ALLY
近两年复合增速
2.9%
损益表 — Q4 FY2025 vs Q4 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $301.0M | $351.4M |
| 净利润 | $327.0M | $16.6M |
| 毛利率 | — | 22.4% |
| 营业利润率 | — | 7.3% |
| 净利率 | 108.6% | 4.7% |
| 营收同比 | -3.2% | 1.6% |
| 净利润同比 | 333.6% | 568.8% |
| 每股收益（稀释后） | $0.97 | $0.78 |
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ALLYAPOG
| Q1 26 | — | $351.4M | ||
| Q4 25 | $301.0M | $348.6M | ||
| Q3 25 | $308.0M | $358.2M | ||
| Q2 25 | $312.0M | $346.6M | ||
| Q1 25 | $323.0M | $345.7M | ||
| Q4 24 | $311.0M | $341.3M | ||
| Q3 24 | $319.0M | $342.4M | ||
| Q2 24 | $324.0M | $331.5M |
净利润ALLYAPOG
| Q1 26 | — | $16.6M | ||
| Q4 25 | $327.0M | $16.5M | ||
| Q3 25 | $398.0M | $23.6M | ||
| Q2 25 | $352.0M | $-2.7M | ||
| Q1 25 | $-225.0M | $2.5M | ||
| Q4 24 | $-140.0M | $21.0M | ||
| Q3 24 | $357.0M | $30.6M | ||
| Q2 24 | $294.0M | $31.0M |
毛利率ALLYAPOG
| Q1 26 | — | 22.4% | ||
| Q4 25 | — | 23.8% | ||
| Q3 25 | — | 23.1% | ||
| Q2 25 | — | 21.7% | ||
| Q1 25 | — | 21.6% | ||
| Q4 24 | — | 26.1% | ||
| Q3 24 | — | 28.4% | ||
| Q2 24 | — | 29.8% |
营业利润率ALLYAPOG
| Q1 26 | — | 7.3% | ||
| Q4 25 | — | 7.1% | ||
| Q3 25 | — | 7.5% | ||
| Q2 25 | — | 2.0% | ||
| Q1 25 | -87.9% | 1.8% | ||
| Q4 24 | 56.3% | 8.4% | ||
| Q3 24 | 73.0% | 12.3% | ||
| Q2 24 | 79.3% | 12.5% |
净利率ALLYAPOG
| Q1 26 | — | 4.7% | ||
| Q4 25 | 108.6% | 4.7% | ||
| Q3 25 | 129.2% | 6.6% | ||
| Q2 25 | 112.8% | -0.8% | ||
| Q1 25 | -69.7% | 0.7% | ||
| Q4 24 | -45.0% | 6.1% | ||
| Q3 24 | 111.9% | 8.9% | ||
| Q2 24 | 90.7% | 9.4% |
每股收益（稀释后）ALLYAPOG
| Q1 26 | — | $0.78 | ||
| Q4 25 | $0.97 | $0.77 | ||
| Q3 25 | $1.18 | $1.10 | ||
| Q2 25 | $1.04 | $-0.13 | ||
| Q1 25 | $-0.82 | $0.12 | ||
| Q4 24 | $-0.54 | $0.96 | ||
| Q3 24 | $1.06 | $1.40 | ||
| Q2 24 | $0.86 | $1.41 |
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 | $39.5M |
| 总债务越低越好 | $17.1B | $232.3M |
| 股东权益账面价值 | $15.5B | $511.8M |
| 总资产 | $196.0B | $1.1B |
| 负债/权益比越低杠杆越低 | 1.10× | 0.45× |
8季度趋势，按日历期对齐
现金及短期投资ALLYAPOG
| Q1 26 | — | $39.5M | ||
| Q4 25 | $10.0B | $41.3M | ||
| Q3 25 | $10.2B | $39.5M | ||
| Q2 25 | $10.6B | $32.8M | ||
| Q1 25 | $10.4B | $41.4M | ||
| Q4 24 | $10.3B | $43.9M | ||
| Q3 24 | $8.6B | $51.0M | ||
| Q2 24 | $7.4B | $30.4M |
总债务ALLYAPOG
| Q1 26 | — | $232.3M | ||
| Q4 25 | $17.1B | — | ||
| Q3 25 | $16.7B | — | ||
| Q2 25 | $15.9B | — | ||
| Q1 25 | $16.5B | $285.0M | ||
| Q4 24 | $17.5B | — | ||
| Q3 24 | $16.8B | — | ||
| Q2 24 | $16.0B | — |
股东权益ALLYAPOG
| Q1 26 | — | $511.8M | ||
| Q4 25 | $15.5B | $512.3M | ||
| Q3 25 | $15.1B | $500.2M | ||
| Q2 25 | $14.5B | $481.8M | ||
| Q1 25 | $14.2B | $487.9M | ||
| Q4 24 | $13.9B | $522.1M | ||
| Q3 24 | $14.7B | $506.4M | ||
| Q2 24 | $13.9B | $480.0M |
总资产ALLYAPOG
| Q1 26 | — | $1.1B | ||
| Q4 25 | $196.0B | $1.1B | ||
| Q3 25 | $191.7B | $1.2B | ||
| Q2 25 | $189.5B | $1.2B | ||
| Q1 25 | $193.3B | $1.2B | ||
| Q4 24 | $191.8B | $1.2B | ||
| Q3 24 | $193.0B | $917.1M | ||
| Q2 24 | $192.5B | $889.0M |
负债/权益比ALLYAPOG
| Q1 26 | — | 0.45× | ||
| Q4 25 | 1.10× | — | ||
| Q3 25 | 1.11× | — | ||
| Q2 25 | 1.09× | — | ||
| Q1 25 | 1.16× | 0.58× | ||
| Q4 24 | 1.26× | — | ||
| Q3 24 | 1.14× | — | ||
| Q2 24 | 1.15× | — |
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 | $122.5M |
| 自由现金流经营现金流 - 资本支出 | — | — |
| 自由现金流率自由现金流/营收 | — | — |
| 资本支出强度资本支出/营收 | — | 7.8% |
| 现金转化率经营现金流/净利润 | 1.96× | 7.37× |
| 过去12个月自由现金流最近4个季度 | — | — |
8季度趋势，按日历期对齐
经营现金流ALLYAPOG
| Q1 26 | — | $122.5M | ||
| Q4 25 | $640.0M | $29.3M | ||
| Q3 25 | $1.2B | $57.1M | ||
| Q2 25 | $947.0M | $-19.8M | ||
| Q1 25 | $940.0M | $30.0M | ||
| Q4 24 | $620.0M | $31.0M | ||
| Q3 24 | $992.0M | $58.7M | ||
| Q2 24 | $1.6B | $5.5M |
自由现金流ALLYAPOG
| Q1 26 | — | — | ||
| Q4 25 | — | $22.9M | ||
| Q3 25 | — | $52.4M | ||
| Q2 25 | — | $-26.9M | ||
| Q1 25 | — | $19.1M | ||
| Q4 24 | — | $22.0M | ||
| Q3 24 | — | $50.2M | ||
| Q2 24 | — | $-1.8M |
自由现金流率ALLYAPOG
| Q1 26 | — | — | ||
| Q4 25 | — | 6.6% | ||
| Q3 25 | — | 14.6% | ||
| Q2 25 | — | -7.8% | ||
| Q1 25 | — | 5.5% | ||
| Q4 24 | — | 6.4% | ||
| Q3 24 | — | 14.7% | ||
| Q2 24 | — | -0.5% |
资本支出强度ALLYAPOG
| Q1 26 | — | 7.8% | ||
| Q4 25 | — | 1.9% | ||
| Q3 25 | — | 1.3% | ||
| Q2 25 | — | 2.1% | ||
| Q1 25 | — | 3.2% | ||
| Q4 24 | — | 2.6% | ||
| Q3 24 | — | 2.5% | ||
| Q2 24 | — | 2.2% |
现金转化率ALLYAPOG
| Q1 26 | — | 7.37× | ||
| Q4 25 | 1.96× | 1.77× | ||
| Q3 25 | 3.02× | 2.41× | ||
| Q2 25 | 2.69× | — | ||
| Q1 25 | — | 12.08× | ||
| Q4 24 | — | 1.48× | ||
| Q3 24 | 2.78× | 1.92× | ||
| Q2 24 | 5.36× | 0.18× |
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% |
APOG
| Architectural Services | $127.1M | 36% |
| Architectural Metals | $110.0M | 31% |
| Architectural Glass | $67.4M | 19% |
| Performance Surfaces | $54.3M | 15% |
