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Ally Financial Inc.（ALLY）与AdvanSix Inc.（ASIX）财务数据对比。点击上方公司名可切换其他公司
AdvanSix Inc.的季度营收约是Ally Financial Inc.的1.2倍（$359.9M vs $301.0M），Ally Financial Inc.净利率更高（108.6% vs -0.8%，领先109.4%），AdvanSix Inc.同比增速更快（9.4% vs -3.2%），过去两年Ally Financial Inc.的营收复合增速更高（11.1% vs 3.4%）
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。
AdvanSix Inc.是一家美国化工企业，主营尼龙6以及己内酰胺、硫酸铵肥料等相关化工产品。该公司原为霍尼韦尔旗下树脂与化工事业部，于2016年分拆独立，2019年预估营收达14亿美元，其企业历史可追溯至1884年在宾夕法尼亚州法兰克福成立的H. W. Jayne公司。
ALLY vs ASIX — 直观对比
营收规模更大
ASIX
是对方的1.2倍
$301.0M
营收增速更快
ASIX
高出12.6%
-3.2%
净利率更高
ALLY
高出109.4%
-0.8%
两年增速更快
ALLY
近两年复合增速
3.4%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $301.0M | $359.9M |
| 净利润 | $327.0M | $-2.8M |
| 毛利率 | — | 7.6% |
| 营业利润率 | — | -0.7% |
| 净利率 | 108.6% | -0.8% |
| 营收同比 | -3.2% | 9.4% |
| 净利润同比 | 333.6% | -892.9% |
| 每股收益（稀释后） | $0.97 | $-0.11 |
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ALLYASIX
| Q4 25 | $301.0M | $359.9M | ||
| Q3 25 | $308.0M | $374.5M | ||
| Q2 25 | $312.0M | $410.0M | ||
| Q1 25 | $323.0M | $377.8M | ||
| Q4 24 | $311.0M | $329.1M | ||
| Q3 24 | $319.0M | $398.2M | ||
| Q2 24 | $324.0M | $453.5M | ||
| Q1 24 | $244.0M | $336.8M |
净利润ALLYASIX
| Q4 25 | $327.0M | $-2.8M | ||
| Q3 25 | $398.0M | $-2.6M | ||
| Q2 25 | $352.0M | $31.4M | ||
| Q1 25 | $-225.0M | $23.3M | ||
| Q4 24 | $-140.0M | $352.0K | ||
| Q3 24 | $357.0M | $22.3M | ||
| Q2 24 | $294.0M | $38.9M | ||
| Q1 24 | $157.0M | $-17.4M |
毛利率ALLYASIX
| Q4 25 | — | 7.6% | ||
| Q3 25 | — | 6.8% | ||
| Q2 25 | — | 14.3% | ||
| Q1 25 | — | 14.2% | ||
| Q4 24 | — | 3.4% | ||
| Q3 24 | — | 14.4% | ||
| Q2 24 | — | 17.9% | ||
| Q1 24 | — | 0.9% |
营业利润率ALLYASIX
| Q4 25 | — | -0.7% | ||
| Q3 25 | — | -0.9% | ||
| Q2 25 | — | 7.7% | ||
| Q1 25 | -87.9% | 7.7% | ||
| Q4 24 | 56.3% | -3.9% | ||
| Q3 24 | 73.0% | 7.5% | ||
| Q2 24 | 79.3% | 11.5% | ||
| Q1 24 | 70.1% | -7.0% |
净利率ALLYASIX
| Q4 25 | 108.6% | -0.8% | ||
| Q3 25 | 129.2% | -0.7% | ||
| Q2 25 | 112.8% | 7.7% | ||
| Q1 25 | -69.7% | 6.2% | ||
| Q4 24 | -45.0% | 0.1% | ||
| Q3 24 | 111.9% | 5.6% | ||
| Q2 24 | 90.7% | 8.6% | ||
| Q1 24 | 64.3% | -5.2% |
每股收益（稀释后）ALLYASIX
| Q4 25 | $0.97 | $-0.11 | ||
| Q3 25 | $1.18 | $-0.10 | ||
| Q2 25 | $1.04 | $1.15 | ||
| Q1 25 | $-0.82 | $0.86 | ||
| Q4 24 | $-0.54 | $0.02 | ||
| Q3 24 | $1.06 | $0.82 | ||
| Q2 24 | $0.86 | $1.43 | ||
| Q1 24 | $0.42 | $-0.65 |
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 | $19.8M |
| 总债务越低越好 | $17.1B | — |
| 股东权益账面价值 | $15.5B | $815.2M |
| 总资产 | $196.0B | $1.7B |
| 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ALLYASIX
| Q4 25 | $10.0B | $19.8M | ||
| Q3 25 | $10.2B | $23.7M | ||
| Q2 25 | $10.6B | $18.4M | ||
| Q1 25 | $10.4B | $8.3M | ||
| Q4 24 | $10.3B | $19.6M | ||
| Q3 24 | $8.6B | $17.3M | ||
| Q2 24 | $7.4B | $12.1M | ||
| Q1 24 | $8.2B | $20.6M |
总债务ALLYASIX
| 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 | — |
股东权益ALLYASIX
| Q4 25 | $15.5B | $815.2M | ||
| Q3 25 | $15.1B | $818.2M | ||
| Q2 25 | $14.5B | $823.7M | ||
| Q1 25 | $14.2B | $794.4M | ||
| Q4 24 | $13.9B | $774.6M | ||
| Q3 24 | $14.7B | $766.4M | ||
| Q2 24 | $13.9B | $746.6M | ||
| Q1 24 | $13.7B | $713.2M |
总资产ALLYASIX
| Q4 25 | $196.0B | $1.7B | ||
| Q3 25 | $191.7B | $1.7B | ||
| Q2 25 | $189.5B | $1.6B | ||
| Q1 25 | $193.3B | $1.6B | ||
| Q4 24 | $191.8B | $1.6B | ||
| Q3 24 | $193.0B | $1.5B | ||
| Q2 24 | $192.5B | $1.5B | ||
| Q1 24 | $192.9B | $1.5B |
负债/权益比ALLYASIX
| 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× | — |
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 | $63.7M |
| 自由现金流经营现金流 - 资本支出 | — | $36.1M |
| 自由现金流率自由现金流/营收 | — | 10.0% |
| 资本支出强度资本支出/营收 | — | 7.7% |
| 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 | — | $6.4M |
8季度趋势，按日历期对齐
经营现金流ALLYASIX
| Q4 25 | $640.0M | $63.7M | ||
| Q3 25 | $1.2B | $26.6M | ||
| Q2 25 | $947.0M | $21.1M | ||
| Q1 25 | $940.0M | $11.4M | ||
| Q4 24 | $620.0M | $64.2M | ||
| Q3 24 | $992.0M | $57.3M | ||
| Q2 24 | $1.6B | $50.2M | ||
| Q1 24 | $1.3B | $-36.2M |
自由现金流ALLYASIX
| Q4 25 | — | $36.1M | ||
| Q3 25 | — | $66.0K | ||
| Q2 25 | — | $-7.2M | ||
| Q1 25 | — | $-22.6M | ||
| Q4 24 | — | $29.8M | ||
| Q3 24 | — | $26.8M | ||
| Q2 24 | — | $16.7M | ||
| Q1 24 | — | $-71.6M |
自由现金流率ALLYASIX
| Q4 25 | — | 10.0% | ||
| Q3 25 | — | 0.0% | ||
| Q2 25 | — | -1.7% | ||
| Q1 25 | — | -6.0% | ||
| Q4 24 | — | 9.1% | ||
| Q3 24 | — | 6.7% | ||
| Q2 24 | — | 3.7% | ||
| Q1 24 | — | -21.3% |
资本支出强度ALLYASIX
| Q4 25 | — | 7.7% | ||
| Q3 25 | — | 7.1% | ||
| Q2 25 | — | 6.9% | ||
| Q1 25 | — | 9.0% | ||
| Q4 24 | — | 10.4% | ||
| Q3 24 | — | 7.7% | ||
| Q2 24 | — | 7.4% | ||
| Q1 24 | — | 10.5% |
现金转化率ALLYASIX
| Q4 25 | 1.96× | — | ||
| Q3 25 | 3.02× | — | ||
| Q2 25 | 2.69× | 0.67× | ||
| Q1 25 | — | 0.49× | ||
| Q4 24 | — | 182.29× | ||
| Q3 24 | 2.78× | 2.57× | ||
| Q2 24 | 5.36× | 1.29× | ||
| 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% |
ASIX
| Plant Nutrients | $140.0M | 39% |
| Chemical Intermediates | $92.8M | 26% |
| Caprolactam | $64.4M | 18% |
| Nylon Resins | $62.8M | 17% |
