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Ally Financial Inc.（ALLY）与科睿唯安（CLVT）财务数据对比。点击上方公司名可切换其他公司
科睿唯安的季度营收约是Ally Financial Inc.的1.9倍（$585.5M vs $301.0M），Ally Financial Inc.净利率更高（108.6% vs -6.9%，领先115.5%），科睿唯安同比增速更快（-1.4% vs -3.2%），过去两年Ally Financial Inc.的营收复合增速更高（11.1% vs -5.1%）
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。
科睿唯安是一家英美合资的上市分析服务企业，主要提供订阅制信息服务，覆盖文献计量、科学计量、商业与市场情报领域，同时为医药、生物科技行业提供专利、监管合规相关的竞争分析，也提供商标保护、域名与品牌保护服务，旗下Web of Science产品系列还负责计算学术期刊的影响因子。
ALLY vs CLVT — 直观对比
营收规模更大
CLVT
是对方的1.9倍
$301.0M
营收增速更快
CLVT
高出1.8%
-3.2%
净利率更高
ALLY
高出115.5%
-6.9%
两年增速更快
ALLY
近两年复合增速
-5.1%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $301.0M | $585.5M |
| 净利润 | $327.0M | $-40.2M |
| 毛利率 | — | 67.2% |
| 营业利润率 | — | 5.2% |
| 净利率 | 108.6% | -6.9% |
| 营收同比 | -3.2% | -1.4% |
| 净利润同比 | 333.6% | 61.3% |
| 每股收益（稀释后） | $0.97 | $-0.06 |
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ALLYCLVT
| Q1 26 | — | $585.5M | ||
| Q4 25 | $301.0M | $617.0M | ||
| Q3 25 | $308.0M | $623.1M | ||
| Q2 25 | $312.0M | $621.4M | ||
| Q1 25 | $323.0M | $593.7M | ||
| Q4 24 | $311.0M | $663.0M | ||
| Q3 24 | $319.0M | $622.2M | ||
| Q2 24 | $324.0M | $650.3M |
净利润ALLYCLVT
| Q1 26 | — | $-40.2M | ||
| Q4 25 | $327.0M | $3.1M | ||
| Q3 25 | $398.0M | $-28.3M | ||
| Q2 25 | $352.0M | $-72.0M | ||
| Q1 25 | $-225.0M | $-103.9M | ||
| Q4 24 | $-140.0M | $-191.8M | ||
| Q3 24 | $357.0M | $-65.6M | ||
| Q2 24 | $294.0M | $-304.3M |
毛利率ALLYCLVT
| Q1 26 | — | 67.2% | ||
| Q4 25 | — | 66.8% | ||
| Q3 25 | — | 65.0% | ||
| Q2 25 | — | 67.2% | ||
| Q1 25 | — | 65.1% | ||
| Q4 24 | — | 65.7% | ||
| Q3 24 | — | 66.2% | ||
| Q2 24 | — | 67.2% |
营业利润率ALLYCLVT
| Q1 26 | — | 5.2% | ||
| Q4 25 | — | 6.7% | ||
| Q3 25 | — | 7.1% | ||
| Q2 25 | — | 1.1% | ||
| Q1 25 | -87.9% | -3.5% | ||
| Q4 24 | 56.3% | -9.4% | ||
| Q3 24 | 73.0% | 3.5% | ||
| Q2 24 | 79.3% | -36.9% |
净利率ALLYCLVT
| Q1 26 | — | -6.9% | ||
| Q4 25 | 108.6% | 0.5% | ||
| Q3 25 | 129.2% | -4.5% | ||
| Q2 25 | 112.8% | -11.6% | ||
| Q1 25 | -69.7% | -17.5% | ||
| Q4 24 | -45.0% | -28.9% | ||
| Q3 24 | 111.9% | -10.5% | ||
| Q2 24 | 90.7% | -46.8% |
每股收益（稀释后）ALLYCLVT
| Q1 26 | — | $-0.06 | ||
| Q4 25 | $0.97 | $0.00 | ||
| Q3 25 | $1.18 | $-0.04 | ||
| Q2 25 | $1.04 | $-0.11 | ||
| Q1 25 | $-0.82 | $-0.15 | ||
| Q4 24 | $-0.54 | $-0.27 | ||
| Q3 24 | $1.06 | $-0.09 | ||
| Q2 24 | $0.86 | $-0.46 |
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 | $4.3B |
| 股东权益账面价值 | $15.5B | $4.8B |
| 总资产 | $196.0B | $10.9B |
| 负债/权益比越低杠杆越低 | 1.10× | 0.89× |
8季度趋势，按日历期对齐
现金及短期投资ALLYCLVT
| Q1 26 | — | — | ||
| Q4 25 | $10.0B | $329.2M | ||
| Q3 25 | $10.2B | $318.7M | ||
| Q2 25 | $10.6B | $362.6M | ||
| Q1 25 | $10.4B | $354.0M | ||
| Q4 24 | $10.3B | $295.2M | ||
| Q3 24 | $8.6B | $388.5M | ||
| Q2 24 | $7.4B | $376.4M |
总债务ALLYCLVT
| Q1 26 | — | $4.3B | ||
| Q4 25 | $17.1B | $4.3B | ||
| Q3 25 | $16.7B | $4.4B | ||
| Q2 25 | $15.9B | $4.5B | ||
| Q1 25 | $16.5B | $4.5B | ||
| Q4 24 | $17.5B | $4.5B | ||
| Q3 24 | $16.8B | $4.6B | ||
| Q2 24 | $16.0B | $4.6B |
股东权益ALLYCLVT
| Q1 26 | — | $4.8B | ||
| Q4 25 | $15.5B | $4.8B | ||
| Q3 25 | $15.1B | $4.9B | ||
| Q2 25 | $14.5B | $5.0B | ||
| Q1 25 | $14.2B | $5.0B | ||
| Q4 24 | $13.9B | $5.1B | ||
| Q3 24 | $14.7B | $5.5B | ||
| Q2 24 | $13.9B | $5.6B |
总资产ALLYCLVT
| Q1 26 | — | $10.9B | ||
| Q4 25 | $196.0B | $11.1B | ||
| Q3 25 | $191.7B | $11.2B | ||
| Q2 25 | $189.5B | $11.4B | ||
| Q1 25 | $193.3B | $11.5B | ||
| Q4 24 | $191.8B | $11.5B | ||
| Q3 24 | $193.0B | $12.0B | ||
| Q2 24 | $192.5B | $12.1B |
负债/权益比ALLYCLVT
| Q1 26 | — | 0.89× | ||
| Q4 25 | 1.10× | 0.89× | ||
| Q3 25 | 1.11× | 0.90× | ||
| Q2 25 | 1.09× | 0.90× | ||
| Q1 25 | 1.16× | 0.90× | ||
| Q4 24 | 1.26× | 0.88× | ||
| Q3 24 | 1.14× | 0.84× | ||
| Q2 24 | 1.15× | 0.83× |
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 | $134.7M |
| 自由现金流经营现金流 - 资本支出 | — | $78.9M |
| 自由现金流率自由现金流/营收 | — | 13.5% |
| 资本支出强度资本支出/营收 | — | 9.5% |
| 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 | — | $333.9M |
8季度趋势，按日历期对齐
经营现金流ALLYCLVT
| Q1 26 | — | $134.7M | ||
| Q4 25 | $640.0M | $159.9M | ||
| Q3 25 | $1.2B | $181.1M | ||
| Q2 25 | $947.0M | $116.3M | ||
| Q1 25 | $940.0M | $171.2M | ||
| Q4 24 | $620.0M | $141.3M | ||
| Q3 24 | $992.0M | $202.9M | ||
| Q2 24 | $1.6B | $126.2M |
自由现金流ALLYCLVT
| Q1 26 | — | $78.9M | ||
| Q4 25 | — | $89.2M | ||
| Q3 25 | — | $115.5M | ||
| Q2 25 | — | $50.3M | ||
| Q1 25 | — | $110.3M | ||
| Q4 24 | — | $59.1M | ||
| Q3 24 | — | $126.3M | ||
| Q2 24 | — | $60.3M |
自由现金流率ALLYCLVT
| Q1 26 | — | 13.5% | ||
| Q4 25 | — | 14.5% | ||
| Q3 25 | — | 18.5% | ||
| Q2 25 | — | 8.1% | ||
| Q1 25 | — | 18.6% | ||
| Q4 24 | — | 8.9% | ||
| Q3 24 | — | 20.3% | ||
| Q2 24 | — | 9.3% |
资本支出强度ALLYCLVT
| Q1 26 | — | 9.5% | ||
| Q4 25 | — | 11.5% | ||
| Q3 25 | — | 10.5% | ||
| Q2 25 | — | 10.6% | ||
| Q1 25 | — | 10.3% | ||
| Q4 24 | — | 12.4% | ||
| Q3 24 | — | 12.3% | ||
| Q2 24 | — | 10.1% |
现金转化率ALLYCLVT
| Q1 26 | — | — | ||
| Q4 25 | 1.96× | 51.58× | ||
| Q3 25 | 3.02× | — | ||
| Q2 25 | 2.69× | — | ||
| 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% |
CLVT
| Subscription | $397.5M | 68% |
| Re-occurring | $108.6M | 19% |
| Transactional | $79.4M | 14% |
