vs
Ally Financial Inc.（ALLY）与富兰克林邓普顿（BEN）财务数据对比。点击上方公司名可切换其他公司
富兰克林邓普顿的季度营收约是Ally Financial Inc.的7.7倍（$2.3B vs $301.0M）。Ally Financial Inc.净利率更高（108.6% vs 11.0%，领先97.7%）。富兰克林邓普顿同比增速更快（3.4% vs -3.2%）。过去两年Ally Financial Inc.的营收复合增速更高（11.1% vs 4.0%）
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。
富兰克林资源（运营品牌为富兰克林邓普顿）是美国跨国投资管理控股集团，1947年创立于纽约，纽交所上市代码为BEN，命名源自创始人敬仰的本杰明·富兰克林，是全球知名的综合投资服务机构。
ALLY vs BEN — 直观对比
营收规模更大
BEN
是对方的7.7倍
$301.0M
营收增速更快
BEN
高出6.6%
-3.2%
净利率更高
ALLY
高出97.7%
11.0%
两年增速更快
ALLY
近两年复合增速
4.0%
损益表 — Q4 2025 vs Q1 2026
| 指标 | | |
|---|---|---|
| 营收 | $301.0M | $2.3B |
| 净利润 | $327.0M | $255.5M |
| 毛利率 | — | — |
| 营业利润率 | — | 12.1% |
| 净利率 | 108.6% | 11.0% |
| 营收同比 | -3.2% | 3.4% |
| 净利润同比 | 333.6% | 56.2% |
| 每股收益（稀释后） | $0.97 | $0.46 |
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ALLYBEN
| Q4 25 | $301.0M | $2.3B | ||
| Q3 25 | $308.0M | $2.3B | ||
| Q2 25 | $312.0M | $2.1B | ||
| Q1 25 | $323.0M | $2.1B | ||
| Q4 24 | $311.0M | $2.3B | ||
| Q3 24 | $319.0M | $2.2B | ||
| Q2 24 | $324.0M | $2.1B | ||
| Q1 24 | $244.0M | $2.2B |
净利润ALLYBEN
| Q4 25 | $327.0M | $255.5M | ||
| Q3 25 | $398.0M | $117.6M | ||
| Q2 25 | $352.0M | $92.3M | ||
| Q1 25 | $-225.0M | $151.4M | ||
| Q4 24 | $-140.0M | $163.6M | ||
| Q3 24 | $357.0M | $-84.7M | ||
| Q2 24 | $294.0M | $174.0M | ||
| Q1 24 | $157.0M | $124.2M |
营业利润率ALLYBEN
| Q4 25 | — | 12.1% | ||
| Q3 25 | — | 3.6% | ||
| Q2 25 | — | 7.5% | ||
| Q1 25 | -87.9% | 6.9% | ||
| Q4 24 | 56.3% | 9.7% | ||
| Q3 24 | 73.0% | -6.8% | ||
| Q2 24 | 79.3% | 10.5% | ||
| Q1 24 | 70.1% | 6.0% |
净利率ALLYBEN
| Q4 25 | 108.6% | 11.0% | ||
| Q3 25 | 129.2% | 5.0% | ||
| Q2 25 | 112.8% | 4.5% | ||
| Q1 25 | -69.7% | 7.2% | ||
| Q4 24 | -45.0% | 7.3% | ||
| Q3 24 | 111.9% | -3.8% | ||
| Q2 24 | 90.7% | 8.2% | ||
| Q1 24 | 64.3% | 5.8% |
每股收益（稀释后）ALLYBEN
| Q4 25 | $0.97 | $0.46 | ||
| Q3 25 | $1.18 | $0.21 | ||
| Q2 25 | $1.04 | $0.15 | ||
| Q1 25 | $-0.82 | $0.26 | ||
| Q4 24 | $-0.54 | $0.29 | ||
| Q3 24 | $1.06 | $-0.20 | ||
| Q2 24 | $0.86 | $0.32 | ||
| Q1 24 | $0.42 | $0.23 |
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 | $2.4B |
| 股东权益账面价值 | $15.5B | $12.1B |
| 总资产 | $196.0B | $32.5B |
| 负债/权益比越低杠杆越低 | 1.10× | 0.19× |
8季度趋势，按日历期对齐
现金及短期投资ALLYBEN
| 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 | — | ||
| Q1 24 | $8.2B | — |
总债务ALLYBEN
| Q4 25 | $17.1B | $2.4B | ||
| Q3 25 | $16.7B | $2.4B | ||
| Q2 25 | $15.9B | $2.7B | ||
| Q1 25 | $16.5B | $2.7B | ||
| Q4 24 | $17.5B | $2.8B | ||
| Q3 24 | $16.8B | $2.8B | ||
| Q2 24 | $16.0B | $3.0B | ||
| Q1 24 | $17.0B | $3.0B |
股东权益ALLYBEN
| Q4 25 | $15.5B | $12.1B | ||
| Q3 25 | $15.1B | $12.1B | ||
| Q2 25 | $14.5B | $12.2B | ||
| Q1 25 | $14.2B | $12.3B | ||
| Q4 24 | $13.9B | $12.5B | ||
| Q3 24 | $14.7B | $12.5B | ||
| Q2 24 | $13.9B | $12.9B | ||
| Q1 24 | $13.7B | $12.9B |
总资产ALLYBEN
| Q4 25 | $196.0B | $32.5B | ||
| Q3 25 | $191.7B | $32.4B | ||
| Q2 25 | $189.5B | $32.6B | ||
| Q1 25 | $193.3B | $32.0B | ||
| Q4 24 | $191.8B | $32.4B | ||
| Q3 24 | $193.0B | $32.5B | ||
| Q2 24 | $192.5B | $33.3B | ||
| Q1 24 | $192.9B | $32.9B |
负债/权益比ALLYBEN
| Q4 25 | 1.10× | 0.19× | ||
| Q3 25 | 1.11× | 0.20× | ||
| Q2 25 | 1.09× | 0.22× | ||
| Q1 25 | 1.16× | 0.22× | ||
| Q4 24 | 1.26× | 0.22× | ||
| Q3 24 | 1.14× | 0.22× | ||
| Q2 24 | 1.15× | 0.24× | ||
| Q1 24 | 1.25× | 0.24× |
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 | $-255.1M |
| 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× | -1.00× |
| 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ALLYBEN
| Q4 25 | $640.0M | $-255.1M | ||
| Q3 25 | $1.2B | $-20.7M | ||
| Q2 25 | $947.0M | $1.3B | ||
| Q1 25 | $940.0M | $-50.1M | ||
| Q4 24 | $620.0M | $-145.2M | ||
| Q3 24 | $992.0M | $558.2M | ||
| Q2 24 | $1.6B | $528.4M | ||
| Q1 24 | $1.3B | $136.6M |
自由现金流ALLYBEN
| Q4 25 | — | — | ||
| Q3 25 | — | $-51.9M | ||
| Q2 25 | — | $1.3B | ||
| Q1 25 | — | $-87.6M | ||
| Q4 24 | — | $-217.0M | ||
| Q3 24 | — | $488.4M | ||
| Q2 24 | — | $482.3M | ||
| Q1 24 | — | $94.9M |
自由现金流率ALLYBEN
| Q4 25 | — | — | ||
| Q3 25 | — | -2.2% | ||
| Q2 25 | — | 61.4% | ||
| Q1 25 | — | -4.1% | ||
| Q4 24 | — | -9.6% | ||
| Q3 24 | — | 22.1% | ||
| Q2 24 | — | 22.7% | ||
| Q1 24 | — | 4.4% |
资本支出强度ALLYBEN
| Q4 25 | — | — | ||
| Q3 25 | — | 1.3% | ||
| Q2 25 | — | 0.7% | ||
| Q1 25 | — | 1.8% | ||
| Q4 24 | — | 3.2% | ||
| Q3 24 | — | 3.2% | ||
| Q2 24 | — | 2.2% | ||
| Q1 24 | — | 1.9% |
现金转化率ALLYBEN
| Q4 25 | 1.96× | -1.00× | ||
| Q3 25 | 3.02× | -0.18× | ||
| Q2 25 | 2.69× | 13.89× | ||
| Q1 25 | — | -0.33× | ||
| Q4 24 | — | -0.89× | ||
| Q3 24 | 2.78× | — | ||
| Q2 24 | 5.36× | 3.04× | ||
| Q1 24 | 8.54× | 1.10× |
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% |
BEN
| Investment Advisory Management And Administrative Service | $1.8B | 79% |
| Sales And Distribution Fees | $388.7M | 17% |
| Shareholder Service | $70.9M | 3% |
| Service Other | $19.6M | 1% |
