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Ally Financial Inc.（ALLY）与APPFOLIO INC（APPF）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APPFOLIO INC的1.1倍（$301.0M vs $262.2M），Ally Financial Inc.净利率更高（108.6% vs 16.2%，领先92.5%），APPFOLIO INC同比增速更快（20.4% vs -3.2%），过去两年APPFOLIO INC的营收复合增速更高（15.3% vs 11.1%）
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。
AppFolio Inc.是一家2006年成立的美国企业，专注服务房地产行业，为客户提供软件即服务（SaaS）类应用产品及相关配套服务，助力房地产相关经营主体优化管理流程、提升运营效率。
ALLY vs APPF — 直观对比
营收规模更大
ALLY
是对方的1.1倍
$262.2M
营收增速更快
APPF
高出23.7%
-3.2%
净利率更高
ALLY
高出92.5%
16.2%
两年增速更快
APPF
近两年复合增速
11.1%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $301.0M | $262.2M |
| 净利润 | $327.0M | $42.4M |
| 毛利率 | — | — |
| 营业利润率 | — | 19.4% |
| 净利率 | 108.6% | 16.2% |
| 营收同比 | -3.2% | 20.4% |
| 净利润同比 | 333.6% | 35.2% |
| 每股收益（稀释后） | $0.97 | $1.18 |
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ALLYAPPF
| Q1 26 | — | $262.2M | ||
| Q4 25 | $301.0M | $248.2M | ||
| Q3 25 | $308.0M | $249.4M | ||
| Q2 25 | $312.0M | $235.6M | ||
| Q1 25 | $323.0M | $217.7M | ||
| Q4 24 | $311.0M | $203.7M | ||
| Q3 24 | $319.0M | $205.7M | ||
| Q2 24 | $324.0M | $197.4M |
净利润ALLYAPPF
| Q1 26 | — | $42.4M | ||
| Q4 25 | $327.0M | $39.9M | ||
| Q3 25 | $398.0M | $33.6M | ||
| Q2 25 | $352.0M | $36.0M | ||
| Q1 25 | $-225.0M | $31.4M | ||
| Q4 24 | $-140.0M | $102.7M | ||
| Q3 24 | $357.0M | $33.0M | ||
| Q2 24 | $294.0M | $29.7M |
营业利润率ALLYAPPF
| Q1 26 | — | 19.4% | ||
| Q4 25 | — | 17.6% | ||
| Q3 25 | — | 14.1% | ||
| Q2 25 | — | 17.2% | ||
| Q1 25 | -87.9% | 15.5% | ||
| Q4 24 | 56.3% | 11.3% | ||
| Q3 24 | 73.0% | 20.7% | ||
| Q2 24 | 79.3% | 18.3% |
净利率ALLYAPPF
| Q1 26 | — | 16.2% | ||
| Q4 25 | 108.6% | 16.1% | ||
| Q3 25 | 129.2% | 13.5% | ||
| Q2 25 | 112.8% | 15.3% | ||
| Q1 25 | -69.7% | 14.4% | ||
| Q4 24 | -45.0% | 50.4% | ||
| Q3 24 | 111.9% | 16.0% | ||
| Q2 24 | 90.7% | 15.0% |
每股收益（稀释后）ALLYAPPF
| Q1 26 | — | $1.18 | ||
| Q4 25 | $0.97 | $1.10 | ||
| Q3 25 | $1.18 | $0.93 | ||
| Q2 25 | $1.04 | $0.99 | ||
| Q1 25 | $-0.82 | $0.86 | ||
| Q4 24 | $-0.54 | $2.79 | ||
| Q3 24 | $1.06 | $0.90 | ||
| Q2 24 | $0.86 | $0.81 |
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 | $147.4M |
| 总债务越低越好 | $17.1B | — |
| 股东权益账面价值 | $15.5B | $470.2M |
| 总资产 | $196.0B | $580.6M |
| 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ALLYAPPF
| Q1 26 | — | $147.4M | ||
| Q4 25 | $10.0B | $107.0M | ||
| Q3 25 | $10.2B | $76.1M | ||
| Q2 25 | $10.6B | $73.5M | ||
| Q1 25 | $10.4B | $56.9M | ||
| Q4 24 | $10.3B | $42.5M | ||
| Q3 24 | $8.6B | $62.4M | ||
| Q2 24 | $7.4B | $59.6M |
总债务ALLYAPPF
| Q1 26 | — | — | ||
| 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 | — |
股东权益ALLYAPPF
| Q1 26 | — | $470.2M | ||
| Q4 25 | $15.5B | $542.6M | ||
| Q3 25 | $15.1B | $498.9M | ||
| Q2 25 | $14.5B | $455.6M | ||
| Q1 25 | $14.2B | $462.1M | ||
| Q4 24 | $13.9B | $519.3M | ||
| Q3 24 | $14.7B | $412.8M | ||
| Q2 24 | $13.9B | $371.4M |
总资产ALLYAPPF
| Q1 26 | — | $580.6M | ||
| Q4 25 | $196.0B | $689.0M | ||
| Q3 25 | $191.7B | $640.5M | ||
| Q2 25 | $189.5B | $567.4M | ||
| Q1 25 | $193.3B | $564.7M | ||
| Q4 24 | $191.8B | $626.7M | ||
| Q3 24 | $193.0B | $523.3M | ||
| Q2 24 | $192.5B | $479.3M |
负债/权益比ALLYAPPF
| Q1 26 | — | — | ||
| 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× | — |
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 | $34.3M |
| 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 | — | — |
| 现金转化率经营现金流/净利润 | 1.96× | 0.81× |
| 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ALLYAPPF
| Q1 26 | — | $34.3M | ||
| Q4 25 | $640.0M | $65.0M | ||
| Q3 25 | $1.2B | $86.0M | ||
| Q2 25 | $947.0M | $52.6M | ||
| Q1 25 | $940.0M | $38.5M | ||
| Q4 24 | $620.0M | $36.6M | ||
| Q3 24 | $992.0M | $57.8M | ||
| Q2 24 | $1.6B | $50.9M |
自由现金流ALLYAPPF
| Q1 26 | — | — | ||
| Q4 25 | — | $63.7M | ||
| Q3 25 | — | $84.7M | ||
| Q2 25 | — | $52.4M | ||
| Q1 25 | — | $38.2M | ||
| Q4 24 | — | $36.4M | ||
| Q3 24 | — | $57.4M | ||
| Q2 24 | — | $50.8M |
自由现金流率ALLYAPPF
| Q1 26 | — | — | ||
| Q4 25 | — | 25.7% | ||
| Q3 25 | — | 34.0% | ||
| Q2 25 | — | 22.2% | ||
| Q1 25 | — | 17.6% | ||
| Q4 24 | — | 17.9% | ||
| Q3 24 | — | 27.9% | ||
| Q2 24 | — | 25.8% |
资本支出强度ALLYAPPF
| Q1 26 | — | — | ||
| Q4 25 | — | 0.5% | ||
| Q3 25 | — | 0.5% | ||
| Q2 25 | — | 0.1% | ||
| Q1 25 | — | 0.1% | ||
| Q4 24 | — | 0.1% | ||
| Q3 24 | — | 0.2% | ||
| Q2 24 | — | 0.0% |
现金转化率ALLYAPPF
| Q1 26 | — | 0.81× | ||
| Q4 25 | 1.96× | 1.63× | ||
| Q3 25 | 3.02× | 2.56× | ||
| Q2 25 | 2.69× | 1.46× | ||
| Q1 25 | — | 1.23× | ||
| Q4 24 | — | 0.36× | ||
| Q3 24 | 2.78× | 1.75× | ||
| Q2 24 | 5.36× | 1.71× |
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% |
APPF
| Value Added Services | $201.4M | 77% |
| Subscription Services | $58.2M | 22% |
