vs
Ally Financial Inc.（ALLY）与COMPASS MINERALS INTERNATIONAL INC（CMP）财务数据对比。点击上方公司名可切换其他公司
COMPASS MINERALS INTERNATIONAL INC的季度营收约是Ally Financial Inc.的1.3倍（$396.1M vs $301.0M），Ally Financial Inc.净利率更高（108.6% vs 4.7%，领先103.9%），COMPASS MINERALS INTERNATIONAL INC同比增速更快（28.9% vs -3.2%），过去两年Ally Financial Inc.的营收复合增速更高（11.1% vs 4.3%）
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。
指南针矿产国际是一家美国上市矿产企业，总部位于堪萨斯州欧弗兰帕克，是盐、氯化镁和硫酸钾等产品的领先生产商。公司面向北美和英国客户供应经处理与未经处理的散装道路除冰盐，同时向全球种植者提供植物营养产品，此外也生产民用除冰、水质调节产品及相关商用产品。
ALLY vs CMP — 直观对比
营收规模更大
CMP
是对方的1.3倍
$301.0M
营收增速更快
CMP
高出32.2%
-3.2%
净利率更高
ALLY
高出103.9%
4.7%
两年增速更快
ALLY
近两年复合增速
4.3%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $301.0M | $396.1M |
| 净利润 | $327.0M | $18.6M |
| 毛利率 | — | 16.0% |
| 营业利润率 | — | 9.2% |
| 净利率 | 108.6% | 4.7% |
| 营收同比 | -3.2% | 28.9% |
| 净利润同比 | 333.6% | 178.8% |
| 每股收益（稀释后） | $0.97 | $0.43 |
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ALLYCMP
| Q4 25 | $301.0M | $396.1M | ||
| Q3 25 | $308.0M | $227.5M | ||
| Q2 25 | $312.0M | $214.6M | ||
| Q1 25 | $323.0M | $494.6M | ||
| Q4 24 | $311.0M | $307.2M | ||
| Q3 24 | $319.0M | $208.8M | ||
| Q2 24 | $324.0M | $202.9M | ||
| Q1 24 | $244.0M | $364.0M |
净利润ALLYCMP
| Q4 25 | $327.0M | $18.6M | ||
| Q3 25 | $398.0M | $-7.2M | ||
| Q2 25 | $352.0M | $-17.0M | ||
| Q1 25 | $-225.0M | $-32.0M | ||
| Q4 24 | $-140.0M | $-23.6M | ||
| Q3 24 | $357.0M | $-48.3M | ||
| Q2 24 | $294.0M | $-43.6M | ||
| Q1 24 | $157.0M | $-38.9M |
毛利率ALLYCMP
| Q4 25 | — | 16.0% | ||
| Q3 25 | — | 16.9% | ||
| Q2 25 | — | 19.2% | ||
| Q1 25 | — | 15.5% | ||
| Q4 24 | — | 11.2% | ||
| Q3 24 | — | 9.3% | ||
| Q2 24 | — | 16.1% | ||
| Q1 24 | — | 19.7% |
营业利润率ALLYCMP
| Q4 25 | — | 9.2% | ||
| Q3 25 | — | 5.3% | ||
| Q2 25 | — | 7.4% | ||
| Q1 25 | -87.9% | -0.6% | ||
| Q4 24 | 56.3% | 0.2% | ||
| Q3 24 | 73.0% | -14.3% | ||
| Q2 24 | 79.3% | 2.9% | ||
| Q1 24 | 70.1% | -10.8% |
净利率ALLYCMP
| Q4 25 | 108.6% | 4.7% | ||
| Q3 25 | 129.2% | -3.2% | ||
| Q2 25 | 112.8% | -7.9% | ||
| Q1 25 | -69.7% | -6.5% | ||
| Q4 24 | -45.0% | -7.7% | ||
| Q3 24 | 111.9% | -23.1% | ||
| Q2 24 | 90.7% | -21.5% | ||
| Q1 24 | 64.3% | -10.7% |
每股收益（稀释后）ALLYCMP
| Q4 25 | $0.97 | $0.43 | ||
| Q3 25 | $1.18 | — | ||
| Q2 25 | $1.04 | $-0.41 | ||
| Q1 25 | $-0.82 | $-0.77 | ||
| Q4 24 | $-0.54 | $-0.57 | ||
| Q3 24 | $1.06 | $-1.17 | ||
| Q2 24 | $0.86 | $-1.05 | ||
| Q1 24 | $0.42 | $-0.94 |
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 | $46.7M |
| 总债务越低越好 | $17.1B | $890.0M |
| 股东权益账面价值 | $15.5B | $260.5M |
| 总资产 | $196.0B | $1.5B |
| 负债/权益比越低杠杆越低 | 1.10× | 3.42× |
8季度趋势，按日历期对齐
现金及短期投资ALLYCMP
| Q4 25 | $10.0B | $46.7M | ||
| Q3 25 | $10.2B | $59.7M | ||
| Q2 25 | $10.6B | $79.4M | ||
| Q1 25 | $10.4B | $49.5M | ||
| Q4 24 | $10.3B | $45.8M | ||
| Q3 24 | $8.6B | $20.2M | ||
| Q2 24 | $7.4B | $12.8M | ||
| Q1 24 | $8.2B | $38.3M |
总债务ALLYCMP
| Q4 25 | $17.1B | $890.0M | ||
| Q3 25 | $16.7B | $839.8M | ||
| Q2 25 | $15.9B | $833.4M | ||
| Q1 25 | $16.5B | $807.6M | ||
| Q4 24 | $17.5B | $974.4M | ||
| Q3 24 | $16.8B | $921.2M | ||
| Q2 24 | $16.0B | $875.1M | ||
| Q1 24 | $17.0B | $877.2M |
股东权益ALLYCMP
| Q4 25 | $15.5B | $260.5M | ||
| Q3 25 | $15.1B | $234.1M | ||
| Q2 25 | $14.5B | $249.8M | ||
| Q1 25 | $14.2B | $236.5M | ||
| Q4 24 | $13.9B | $263.0M | ||
| Q3 24 | $14.7B | $316.6M | ||
| Q2 24 | $13.9B | $352.1M | ||
| Q1 24 | $13.7B | $400.4M |
总资产ALLYCMP
| Q4 25 | $196.0B | $1.5B | ||
| Q3 25 | $191.7B | $1.5B | ||
| Q2 25 | $189.5B | $1.5B | ||
| Q1 25 | $193.3B | $1.5B | ||
| Q4 24 | $191.8B | $1.7B | ||
| Q3 24 | $193.0B | $1.6B | ||
| Q2 24 | $192.5B | $1.6B | ||
| Q1 24 | $192.9B | $1.7B |
负债/权益比ALLYCMP
| Q4 25 | 1.10× | 3.42× | ||
| Q3 25 | 1.11× | 3.59× | ||
| Q2 25 | 1.09× | 3.34× | ||
| Q1 25 | 1.16× | 3.41× | ||
| Q4 24 | 1.26× | 3.70× | ||
| Q3 24 | 1.14× | 2.91× | ||
| Q2 24 | 1.15× | 2.49× | ||
| Q1 24 | 1.25× | 2.19× |
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 | $-37.0M |
| 自由现金流经营现金流 - 资本支出 | — | $-59.8M |
| 自由现金流率自由现金流/营收 | — | -15.1% |
| 资本支出强度资本支出/营收 | — | 5.8% |
| 现金转化率经营现金流/净利润 | 1.96× | -1.99× |
| 过去12个月自由现金流最近4个季度 | — | $94.1M |
8季度趋势，按日历期对齐
经营现金流ALLYCMP
| Q4 25 | $640.0M | $-37.0M | ||
| Q3 25 | $1.2B | $-6.9M | ||
| Q2 25 | $947.0M | $21.8M | ||
| Q1 25 | $940.0M | $186.9M | ||
| Q4 24 | $620.0M | $-4.1M | ||
| Q3 24 | $992.0M | $-12.7M | ||
| Q2 24 | $1.6B | $-6.8M | ||
| Q1 24 | $1.3B | $86.2M |
自由现金流ALLYCMP
| Q4 25 | — | $-59.8M | ||
| Q3 25 | — | $-22.8M | ||
| Q2 25 | — | $3.8M | ||
| Q1 25 | — | $172.9M | ||
| Q4 24 | — | $-25.9M | ||
| Q3 24 | — | $-33.6M | ||
| Q2 24 | — | $-21.5M | ||
| Q1 24 | — | $56.2M |
自由现金流率ALLYCMP
| Q4 25 | — | -15.1% | ||
| Q3 25 | — | -10.0% | ||
| Q2 25 | — | 1.8% | ||
| Q1 25 | — | 35.0% | ||
| Q4 24 | — | -8.4% | ||
| Q3 24 | — | -16.1% | ||
| Q2 24 | — | -10.6% | ||
| Q1 24 | — | 15.4% |
资本支出强度ALLYCMP
| Q4 25 | — | 5.8% | ||
| Q3 25 | — | 7.0% | ||
| Q2 25 | — | 8.4% | ||
| Q1 25 | — | 2.8% | ||
| Q4 24 | — | 7.1% | ||
| Q3 24 | — | 10.0% | ||
| Q2 24 | — | 7.2% | ||
| Q1 24 | — | 8.2% |
现金转化率ALLYCMP
| Q4 25 | 1.96× | -1.99× | ||
| Q3 25 | 3.02× | — | ||
| Q2 25 | 2.69× | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 2.78× | — | ||
| Q2 24 | 5.36× | — | ||
| 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% |
CMP
| Highway Deicing Salt | $210.8M | 53% |
| Consumer Industrial Salt | $120.7M | 30% |
| Plant Nutrition | $60.8M | 15% |
| Transferred Over Time | $2.8M | 1% |
| Other | $1.0M | 0% |
