vs
Ally Financial Inc.（ALLY）与ASSOCIATED BANC-CORP（ASB）财务数据对比。点击上方公司名可切换其他公司
ASSOCIATED BANC-CORP的季度营收约是Ally Financial Inc.的1.3倍（$383.0M vs $301.0M）。Ally Financial Inc.净利率更高（108.6% vs 31.2%，领先77.4%）。过去两年Ally Financial Inc.的营收复合增速更高（11.1% vs 9.1%）
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。
联合银行集团（Associated Banc-Corp）是美国区域性银行控股公司，总部位于威斯康星州格林贝，深耕美国中西部地区，主营零售银行、商业银行、商业地产贷款、私人银行及特色金融服务，在威斯康星州、伊利诺伊州、明尼苏达州设有220多个营业网点，覆盖100多个社区，还在印第安纳、密歇根等多州设有贷款办事处。
ALLY vs ASB — 直观对比
营收规模更大
ASB
是对方的1.3倍
$301.0M
净利率更高
ALLY
高出77.4%
31.2%
两年增速更快
ALLY
近两年复合增速
9.1%
损益表 — Q4 2025 vs Q1 2026
| 指标 | | |
|---|---|---|
| 营收 | $301.0M | $383.0M |
| 净利润 | $327.0M | $119.6M |
| 毛利率 | — | — |
| 营业利润率 | — | — |
| 净利率 | 108.6% | 31.2% |
| 营收同比 | -3.2% | — |
| 净利润同比 | 333.6% | 566.6% |
| 每股收益（稀释后） | $0.97 | $0.70 |
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ALLYASB
| Q1 26 | — | $383.0M | ||
| Q4 25 | $301.0M | $310.0M | ||
| Q3 25 | $308.0M | $305.2M | ||
| Q2 25 | $312.0M | $300.0M | ||
| Q1 25 | $323.0M | $285.9M | ||
| Q4 24 | $311.0M | $270.3M | ||
| Q3 24 | $319.0M | $329.7M | ||
| Q2 24 | $324.0M | $321.8M |
净利润ALLYASB
| Q1 26 | — | $119.6M | ||
| Q4 25 | $327.0M | $137.1M | ||
| Q3 25 | $398.0M | $124.7M | ||
| Q2 25 | $352.0M | $111.2M | ||
| Q1 25 | $-225.0M | $101.7M | ||
| Q4 24 | $-140.0M | $-161.6M | ||
| Q3 24 | $357.0M | $88.0M | ||
| Q2 24 | $294.0M | $115.6M |
营业利润率ALLYASB
| Q1 26 | — | — | ||
| Q4 25 | — | 52.6% | ||
| Q3 25 | — | 50.5% | ||
| Q2 25 | — | 46.5% | ||
| Q1 25 | -87.9% | 42.3% | ||
| Q4 24 | 56.3% | -65.8% | ||
| Q3 24 | 73.0% | 32.8% | ||
| Q2 24 | 79.3% | 32.0% |
净利率ALLYASB
| Q1 26 | — | 31.2% | ||
| Q4 25 | 108.6% | 44.2% | ||
| Q3 25 | 129.2% | 40.9% | ||
| Q2 25 | 112.8% | 37.1% | ||
| Q1 25 | -69.7% | 35.6% | ||
| Q4 24 | -45.0% | -59.8% | ||
| Q3 24 | 111.9% | 26.7% | ||
| Q2 24 | 90.7% | 35.9% |
每股收益（稀释后）ALLYASB
| Q1 26 | — | $0.70 | ||
| Q4 25 | $0.97 | $0.80 | ||
| Q3 25 | $1.18 | $0.73 | ||
| Q2 25 | $1.04 | $0.65 | ||
| Q1 25 | $-0.82 | $0.59 | ||
| Q4 24 | $-0.54 | $-1.10 | ||
| Q3 24 | $1.06 | $0.56 | ||
| Q2 24 | $0.86 | $0.74 |
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 | — |
| 总债务越低越好 | $17.1B | — |
| 股东权益账面价值 | $15.5B | $5.0B |
| 总资产 | $196.0B | $45.6B |
| 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ALLYASB
| Q1 26 | — | — | ||
| Q4 25 | $10.0B | — | ||
| Q3 25 | $10.2B | — | ||
| Q2 25 | $10.6B | — | ||
| Q1 25 | $10.4B | — | ||
| Q4 24 | $10.3B | — | ||
| Q3 24 | $8.6B | — | ||
| Q2 24 | $7.4B | — |
总债务ALLYASB
| Q1 26 | — | — | ||
| Q4 25 | $17.1B | $1.0B | ||
| Q3 25 | $16.7B | $594.1M | ||
| Q2 25 | $15.9B | $593.5M | ||
| Q1 25 | $16.5B | $591.4M | ||
| Q4 24 | $17.5B | $1.4B | ||
| Q3 24 | $16.8B | $844.3M | ||
| Q2 24 | $16.0B | $536.1M |
股东权益ALLYASB
| Q1 26 | — | $5.0B | ||
| Q4 25 | $15.5B | $5.0B | ||
| Q3 25 | $15.1B | $4.9B | ||
| Q2 25 | $14.5B | $4.8B | ||
| Q1 25 | $14.2B | $4.7B | ||
| Q4 24 | $13.9B | $4.6B | ||
| Q3 24 | $14.7B | $4.4B | ||
| Q2 24 | $13.9B | $4.2B |
总资产ALLYASB
| Q1 26 | — | $45.6B | ||
| Q4 25 | $196.0B | $45.2B | ||
| Q3 25 | $191.7B | $44.5B | ||
| Q2 25 | $189.5B | $44.0B | ||
| Q1 25 | $193.3B | $43.3B | ||
| Q4 24 | $191.8B | $43.0B | ||
| Q3 24 | $193.0B | $42.2B | ||
| Q2 24 | $192.5B | $41.6B |
负债/权益比ALLYASB
| Q1 26 | — | — | ||
| Q4 25 | 1.10× | 0.20× | ||
| Q3 25 | 1.11× | 0.12× | ||
| Q2 25 | 1.09× | 0.12× | ||
| Q1 25 | 1.16× | 0.13× | ||
| Q4 24 | 1.26× | 0.31× | ||
| Q3 24 | 1.14× | 0.19× | ||
| Q2 24 | 1.15× | 0.13× |
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 | — |
| 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× | — |
| 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ALLYASB
| Q1 26 | — | — | ||
| Q4 25 | $640.0M | $218.1M | ||
| Q3 25 | $1.2B | $158.0M | ||
| Q2 25 | $947.0M | $141.5M | ||
| Q1 25 | $940.0M | $98.2M | ||
| Q4 24 | $620.0M | $207.1M | ||
| Q3 24 | $992.0M | $105.1M | ||
| Q2 24 | $1.6B | $113.5M |
现金转化率ALLYASB
| Q1 26 | — | — | ||
| Q4 25 | 1.96× | 1.59× | ||
| Q3 25 | 3.02× | 1.27× | ||
| Q2 25 | 2.69× | 1.27× | ||
| Q1 25 | — | 0.97× | ||
| Q4 24 | — | — | ||
| Q3 24 | 2.78× | 1.19× | ||
| Q2 24 | 5.36× | 0.98× |
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% |
ASB
| Net Interest Income | $307.2M | 80% |
| Noninterest Income | $75.9M | 20% |
