vs
Ally Financial Inc.（ALLY）与加拿大丰业银行（BNS）财务数据对比。点击上方公司名可切换其他公司
加拿大丰业银行的季度营收约是Ally Financial Inc.的23.4倍（$7.0B vs $301.0M）。Ally Financial Inc.净利率更高（108.6% vs 23.8%，领先84.8%）
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。
加拿大丰业银行（Scotiabank）是加拿大五大银行之一，总部位于安大略省多伦多，按资产及存款规模计为加拿大第三大银行。集团现有8.8万名员工，服务全球超2500万客户，2023年位列福布斯全球2000强第88位，提供个人商业银行、财富管理、企业与投资等多元金融服务。
ALLY vs BNS — 直观对比
营收规模更大
BNS
是对方的23.4倍
$301.0M
净利率更高
ALLY
高出84.8%
23.8%
损益表 — Q4 2025 vs Q1 2026
| 指标 | | |
|---|---|---|
| 营收 | $301.0M | $7.0B |
| 净利润 | $327.0M | $1.7B |
| 毛利率 | — | — |
| 营业利润率 | — | — |
| 净利率 | 108.6% | 23.8% |
| 营收同比 | -3.2% | — |
| 净利润同比 | 333.6% | — |
| 每股收益（稀释后） | $0.97 | — |
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ALLYBNS
| Q1 26 | — | $7.0B | ||
| Q4 25 | $301.0M | $7.2B | ||
| Q3 25 | $308.0M | $6.9B | ||
| Q2 25 | $312.0M | $6.6B | ||
| Q1 25 | $323.0M | — | ||
| Q4 24 | $311.0M | — | ||
| Q3 24 | $319.0M | — | ||
| Q2 24 | $324.0M | — |
净利润ALLYBNS
| Q1 26 | — | $1.7B | ||
| Q4 25 | $327.0M | $1.6B | ||
| Q3 25 | $398.0M | $1.8B | ||
| Q2 25 | $352.0M | $1.5B | ||
| Q1 25 | $-225.0M | — | ||
| Q4 24 | $-140.0M | — | ||
| Q3 24 | $357.0M | — | ||
| Q2 24 | $294.0M | — |
营业利润率ALLYBNS
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | -87.9% | — | ||
| Q4 24 | 56.3% | — | ||
| Q3 24 | 73.0% | — | ||
| Q2 24 | 79.3% | — |
净利率ALLYBNS
| Q1 26 | — | 23.8% | ||
| Q4 25 | 108.6% | 22.5% | ||
| Q3 25 | 129.2% | 26.6% | ||
| Q2 25 | 112.8% | 22.4% | ||
| Q1 25 | -69.7% | — | ||
| Q4 24 | -45.0% | — | ||
| Q3 24 | 111.9% | — | ||
| Q2 24 | 90.7% | — |
每股收益（稀释后）ALLYBNS
| Q1 26 | — | — | ||
| Q4 25 | $0.97 | — | ||
| Q3 25 | $1.18 | — | ||
| Q2 25 | $1.04 | — | ||
| Q1 25 | $-0.82 | — | ||
| Q4 24 | $-0.54 | — | ||
| Q3 24 | $1.06 | — | ||
| Q2 24 | $0.86 | — |
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 | $6.4B |
| 总债务越低越好 | $17.1B | — |
| 股东权益账面价值 | $15.5B | $65.0B |
| 总资产 | $196.0B | $1077.5B |
| 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ALLYBNS
| Q1 26 | — | $6.4B | ||
| Q4 25 | $10.0B | — | ||
| Q3 25 | $10.2B | $8.6B | ||
| Q2 25 | $10.6B | $7.9B | ||
| Q1 25 | $10.4B | — | ||
| Q4 24 | $10.3B | — | ||
| Q3 24 | $8.6B | — | ||
| Q2 24 | $7.4B | — |
总债务ALLYBNS
| 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ALLYBNS
| Q1 26 | — | $65.0B | ||
| Q4 25 | $15.5B | — | ||
| Q3 25 | $15.1B | $62.4B | ||
| Q2 25 | $14.5B | $63.1B | ||
| Q1 25 | $14.2B | — | ||
| Q4 24 | $13.9B | — | ||
| Q3 24 | $14.7B | — | ||
| Q2 24 | $13.9B | — |
总资产ALLYBNS
| Q1 26 | — | $1077.5B | ||
| Q4 25 | $196.0B | — | ||
| Q3 25 | $191.7B | $1032.7B | ||
| Q2 25 | $189.5B | $1033.3B | ||
| Q1 25 | $193.3B | — | ||
| Q4 24 | $191.8B | — | ||
| Q3 24 | $193.0B | — | ||
| Q2 24 | $192.5B | — |
负债/权益比ALLYBNS
| 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 | $9.4B |
| 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× | 5.60× |
| 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ALLYBNS
| Q1 26 | — | $9.4B | ||
| Q4 25 | $640.0M | — | ||
| Q3 25 | $1.2B | $3.2B | ||
| Q2 25 | $947.0M | $1.8B | ||
| Q1 25 | $940.0M | — | ||
| Q4 24 | $620.0M | — | ||
| Q3 24 | $992.0M | — | ||
| Q2 24 | $1.6B | — |
现金转化率ALLYBNS
| Q1 26 | — | 5.60× | ||
| Q4 25 | 1.96× | — | ||
| Q3 25 | 3.02× | 1.73× | ||
| Q2 25 | 2.69× | 1.22× | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 2.78× | — | ||
| Q2 24 | 5.36× | — |
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% |
BNS
暂无分部数据
