vs
Ally Financial Inc.（ALLY）与亚什兰（ASH）财务数据对比。点击上方公司名可切换其他公司
亚什兰的季度营收约是Ally Financial Inc.的1.3倍（$386.0M vs $301.0M），Ally Financial Inc.净利率更高（108.6% vs -3.1%，领先111.7%），Ally Financial Inc.同比增速更快（-3.2% vs -4.7%），过去两年Ally Financial Inc.的营收复合增速更高（11.1% vs -18.1%）
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。
亚什兰是一家总部位于美国特拉华州威尔明顿的化工企业，1924年始创于肯塔基州亚什兰市，最初以炼油业务起家，1994年迁至现总部。公司拥有多个业务板块，覆盖化工中间体与溶剂、复合材料、工业特种化学品、个人及家居护理、制药、食品饮料以及农业相关领域，2017年之前曾是胜牌润滑油的主要生产商。
ALLY vs ASH — 直观对比
营收规模更大
ASH
是对方的1.3倍
$301.0M
营收增速更快
ALLY
高出1.5%
-4.7%
净利率更高
ALLY
高出111.7%
-3.1%
两年增速更快
ALLY
近两年复合增速
-18.1%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $301.0M | $386.0M |
| 净利润 | $327.0M | $-12.0M |
| 毛利率 | — | 27.2% |
| 营业利润率 | — | -1.6% |
| 净利率 | 108.6% | -3.1% |
| 营收同比 | -3.2% | -4.7% |
| 净利润同比 | 333.6% | 92.7% |
| 每股收益（稀释后） | $0.97 | $-0.26 |
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ALLYASH
| Q4 25 | $301.0M | $386.0M | ||
| Q3 25 | $308.0M | $477.0M | ||
| Q2 25 | $312.0M | $463.0M | ||
| Q1 25 | $323.0M | $479.0M | ||
| Q4 24 | $311.0M | $405.0M | ||
| Q3 24 | $319.0M | $521.0M | ||
| Q2 24 | $324.0M | $544.0M | ||
| Q1 24 | $244.0M | $575.0M |
净利润ALLYASH
| Q4 25 | $327.0M | $-12.0M | ||
| Q3 25 | $398.0M | $31.0M | ||
| Q2 25 | $352.0M | $-742.0M | ||
| Q1 25 | $-225.0M | $31.0M | ||
| Q4 24 | $-140.0M | $-165.0M | ||
| Q3 24 | $357.0M | $17.0M | ||
| Q2 24 | $294.0M | $6.0M | ||
| Q1 24 | $157.0M | $120.0M |
毛利率ALLYASH
| Q4 25 | — | 27.2% | ||
| Q3 25 | — | 33.3% | ||
| Q2 25 | — | 28.5% | ||
| Q1 25 | — | 30.7% | ||
| Q4 24 | — | 27.4% | ||
| Q3 24 | — | 33.2% | ||
| Q2 24 | — | 34.2% | ||
| Q1 24 | — | 28.0% |
营业利润率ALLYASH
| Q4 25 | — | -1.6% | ||
| Q3 25 | — | 12.8% | ||
| Q2 25 | — | -152.9% | ||
| Q1 25 | -87.9% | 10.6% | ||
| Q4 24 | 56.3% | -44.2% | ||
| Q3 24 | 73.0% | 6.1% | ||
| Q2 24 | 79.3% | -11.2% | ||
| Q1 24 | 70.1% | 3.7% |
净利率ALLYASH
| Q4 25 | 108.6% | -3.1% | ||
| Q3 25 | 129.2% | 6.5% | ||
| Q2 25 | 112.8% | -160.3% | ||
| Q1 25 | -69.7% | 6.5% | ||
| Q4 24 | -45.0% | -40.7% | ||
| Q3 24 | 111.9% | 3.3% | ||
| Q2 24 | 90.7% | 1.1% | ||
| Q1 24 | 64.3% | 20.9% |
每股收益（稀释后）ALLYASH
| Q4 25 | $0.97 | $-0.26 | ||
| Q3 25 | $1.18 | $0.83 | ||
| Q2 25 | $1.04 | $-16.21 | ||
| Q1 25 | $-0.82 | $0.65 | ||
| Q4 24 | $-0.54 | $-3.50 | ||
| Q3 24 | $1.06 | $0.34 | ||
| Q2 24 | $0.86 | $0.12 | ||
| Q1 24 | $0.42 | $2.39 |
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 | $304.0M |
| 总债务越低越好 | $17.1B | $1.4B |
| 股东权益账面价值 | $15.5B | $1.9B |
| 总资产 | $196.0B | $4.5B |
| 负债/权益比越低杠杆越低 | 1.10× | 0.74× |
8季度趋势，按日历期对齐
现金及短期投资ALLYASH
| Q4 25 | $10.0B | $304.0M | ||
| Q3 25 | $10.2B | $215.0M | ||
| Q2 25 | $10.6B | $207.0M | ||
| Q1 25 | $10.4B | $168.0M | ||
| Q4 24 | $10.3B | $219.0M | ||
| Q3 24 | $8.6B | $300.0M | ||
| Q2 24 | $7.4B | $399.0M | ||
| Q1 24 | $8.2B | $439.0M |
总债务ALLYASH
| Q4 25 | $17.1B | $1.4B | ||
| Q3 25 | $16.7B | $1.4B | ||
| Q2 25 | $15.9B | $1.4B | ||
| Q1 25 | $16.5B | $1.3B | ||
| Q4 24 | $17.5B | $1.3B | ||
| Q3 24 | $16.8B | $1.3B | ||
| Q2 24 | $16.0B | $1.3B | ||
| Q1 24 | $17.0B | $1.3B |
股东权益ALLYASH
| Q4 25 | $15.5B | $1.9B | ||
| Q3 25 | $15.1B | $1.9B | ||
| Q2 25 | $14.5B | $1.9B | ||
| Q1 25 | $14.2B | $2.6B | ||
| Q4 24 | $13.9B | $2.6B | ||
| Q3 24 | $14.7B | $2.9B | ||
| Q2 24 | $13.9B | $3.0B | ||
| Q1 24 | $13.7B | $3.1B |
总资产ALLYASH
| Q4 25 | $196.0B | $4.5B | ||
| Q3 25 | $191.7B | $4.6B | ||
| Q2 25 | $189.5B | $4.6B | ||
| Q1 25 | $193.3B | $5.2B | ||
| Q4 24 | $191.8B | $5.2B | ||
| Q3 24 | $193.0B | $5.6B | ||
| Q2 24 | $192.5B | $5.7B | ||
| Q1 24 | $192.9B | $5.9B |
负债/权益比ALLYASH
| Q4 25 | 1.10× | 0.74× | ||
| Q3 25 | 1.11× | 0.73× | ||
| Q2 25 | 1.09× | 0.73× | ||
| Q1 25 | 1.16× | 0.52× | ||
| Q4 24 | 1.26× | 0.51× | ||
| Q3 24 | 1.14× | 0.47× | ||
| Q2 24 | 1.15× | 0.45× | ||
| Q1 24 | 1.25× | 0.42× |
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 | $125.0M |
| 自由现金流经营现金流 - 资本支出 | — | $111.0M |
| 自由现金流率自由现金流/营收 | — | 28.8% |
| 资本支出强度资本支出/营收 | — | 3.6% |
| 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 | — | $200.0M |
8季度趋势，按日历期对齐
经营现金流ALLYASH
| Q4 25 | $640.0M | $125.0M | ||
| Q3 25 | $1.2B | $40.0M | ||
| Q2 25 | $947.0M | $115.0M | ||
| Q1 25 | $940.0M | $9.0M | ||
| Q4 24 | $620.0M | $-30.0M | ||
| Q3 24 | $992.0M | $80.0M | ||
| Q2 24 | $1.6B | $127.0M | ||
| Q1 24 | $1.3B | $54.0M |
自由现金流ALLYASH
| Q4 25 | — | $111.0M | ||
| Q3 25 | — | $6.0M | ||
| Q2 25 | — | $95.0M | ||
| Q1 25 | — | $-12.0M | ||
| Q4 24 | — | $-53.0M | ||
| Q3 24 | — | $42.0M | ||
| Q2 24 | — | $98.0M | ||
| Q1 24 | — | $20.0M |
自由现金流率ALLYASH
| Q4 25 | — | 28.8% | ||
| Q3 25 | — | 1.3% | ||
| Q2 25 | — | 20.5% | ||
| Q1 25 | — | -2.5% | ||
| Q4 24 | — | -13.1% | ||
| Q3 24 | — | 8.1% | ||
| Q2 24 | — | 18.0% | ||
| Q1 24 | — | 3.5% |
资本支出强度ALLYASH
| Q4 25 | — | 3.6% | ||
| Q3 25 | — | 7.1% | ||
| Q2 25 | — | 4.3% | ||
| Q1 25 | — | 4.4% | ||
| Q4 24 | — | 5.7% | ||
| Q3 24 | — | 7.3% | ||
| Q2 24 | — | 5.3% | ||
| Q1 24 | — | 5.9% |
现金转化率ALLYASH
| Q4 25 | 1.96× | — | ||
| Q3 25 | 3.02× | 1.29× | ||
| Q2 25 | 2.69× | — | ||
| Q1 25 | — | 0.29× | ||
| Q4 24 | — | — | ||
| Q3 24 | 2.78× | 4.71× | ||
| Q2 24 | 5.36× | 21.17× | ||
| Q1 24 | 8.54× | 0.45× |
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% |
ASH
| Personal Care And Household | $123.0M | 32% |
| Other | $120.0M | 31% |
| Specialty Additives | $36.0M | 9% |
| Intermediates And Solvents | $31.0M | 8% |
| Personal Care | $30.0M | 8% |
| Life Sciences | $27.0M | 7% |
| Intermediates | $19.0M | 5% |
