vs
Ally Financial Inc.（ALLY）与Concentra Group Holdings Parent, Inc.（CON）财务数据对比。点击上方公司名可切换其他公司
Concentra Group Holdings Parent, Inc.的季度营收约是Ally Financial Inc.的1.8倍（$539.1M vs $301.0M），Ally Financial Inc.净利率更高（108.6% vs 6.4%，领先102.2%）
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。
Concentra是美国的职业医疗服务商，1979年成立于得克萨斯州阿马里洛，总部位于得克萨斯州艾迪生。业务覆盖美国47个州，运营627家职业医疗中心和410个雇主驻地现场诊所，美国每7起职业伤害案例中就有1起由该机构提供诊疗服务。
ALLY vs CON — 直观对比
营收规模更大
CON
是对方的1.8倍
$301.0M
净利率更高
ALLY
高出102.2%
6.4%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $301.0M | $539.1M |
| 净利润 | $327.0M | $34.7M |
| 毛利率 | — | — |
| 营业利润率 | — | 12.9% |
| 净利率 | 108.6% | 6.4% |
| 营收同比 | -3.2% | — |
| 净利润同比 | 333.6% | — |
| 每股收益（稀释后） | $0.97 | $0.27 |
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ALLYCON
| Q4 25 | $301.0M | $539.1M | ||
| Q3 25 | $308.0M | $572.8M | ||
| Q2 25 | $312.0M | $550.8M | ||
| Q1 25 | $323.0M | $500.8M | ||
| Q4 24 | $311.0M | — | ||
| Q3 24 | $319.0M | $489.6M | ||
| Q2 24 | $324.0M | $477.9M | ||
| Q1 24 | $244.0M | — |
净利润ALLYCON
| Q4 25 | $327.0M | $34.7M | ||
| Q3 25 | $398.0M | $48.3M | ||
| Q2 25 | $352.0M | $44.6M | ||
| Q1 25 | $-225.0M | $38.9M | ||
| Q4 24 | $-140.0M | — | ||
| Q3 24 | $357.0M | $44.3M | ||
| Q2 24 | $294.0M | $51.7M | ||
| Q1 24 | $157.0M | — |
营业利润率ALLYCON
| Q4 25 | — | 12.9% | ||
| Q3 25 | — | 16.5% | ||
| Q2 25 | — | 16.3% | ||
| Q1 25 | -87.9% | 16.0% | ||
| Q4 24 | 56.3% | — | ||
| Q3 24 | 73.0% | 17.6% | ||
| Q2 24 | 79.3% | 17.6% | ||
| Q1 24 | 70.1% | — |
净利率ALLYCON
| Q4 25 | 108.6% | 6.4% | ||
| Q3 25 | 129.2% | 8.4% | ||
| Q2 25 | 112.8% | 8.1% | ||
| Q1 25 | -69.7% | 7.8% | ||
| Q4 24 | -45.0% | — | ||
| Q3 24 | 111.9% | 9.1% | ||
| Q2 24 | 90.7% | 10.8% | ||
| Q1 24 | 64.3% | — |
每股收益（稀释后）ALLYCON
| Q4 25 | $0.97 | $0.27 | ||
| Q3 25 | $1.18 | $0.38 | ||
| Q2 25 | $1.04 | $0.35 | ||
| Q1 25 | $-0.82 | $0.30 | ||
| Q4 24 | $-0.54 | — | ||
| Q3 24 | $1.06 | $0.37 | ||
| Q2 24 | $0.86 | $0.50 | ||
| Q1 24 | $0.42 | — |
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 | $79.9M |
| 总债务越低越好 | $17.1B | $1.6B |
| 股东权益账面价值 | $15.5B | $393.3M |
| 总资产 | $196.0B | $2.9B |
| 负债/权益比越低杠杆越低 | 1.10× | 3.98× |
8季度趋势，按日历期对齐
现金及短期投资ALLYCON
| Q4 25 | $10.0B | $79.9M | ||
| Q3 25 | $10.2B | $49.9M | ||
| Q2 25 | $10.6B | $73.9M | ||
| Q1 25 | $10.4B | $52.1M | ||
| Q4 24 | $10.3B | — | ||
| Q3 24 | $8.6B | $136.8M | ||
| Q2 24 | $7.4B | $50.7M | ||
| Q1 24 | $8.2B | — |
总债务ALLYCON
| Q4 25 | $17.1B | $1.6B | ||
| Q3 25 | $16.7B | $1.6B | ||
| Q2 25 | $15.9B | $1.7B | ||
| Q1 25 | $16.5B | $1.6B | ||
| Q4 24 | $17.5B | — | ||
| Q3 24 | $16.8B | $1.5B | ||
| Q2 24 | $16.0B | $3.0M | ||
| Q1 24 | $17.0B | — |
股东权益ALLYCON
| Q4 25 | $15.5B | $393.3M | ||
| Q3 25 | $15.1B | $385.5M | ||
| Q2 25 | $14.5B | $342.6M | ||
| Q1 25 | $14.2B | $307.1M | ||
| Q4 24 | $13.9B | — | ||
| Q3 24 | $14.7B | $277.8M | ||
| Q2 24 | $13.9B | $1.2B | ||
| Q1 24 | $13.7B | — |
总资产ALLYCON
| Q4 25 | $196.0B | $2.9B | ||
| Q3 25 | $191.7B | $2.8B | ||
| Q2 25 | $189.5B | $2.8B | ||
| Q1 25 | $193.3B | $2.7B | ||
| Q4 24 | $191.8B | — | ||
| Q3 24 | $193.0B | $2.5B | ||
| Q2 24 | $192.5B | $2.4B | ||
| Q1 24 | $192.9B | — |
负债/权益比ALLYCON
| Q4 25 | 1.10× | 3.98× | ||
| Q3 25 | 1.11× | 4.15× | ||
| Q2 25 | 1.09× | 4.82× | ||
| Q1 25 | 1.16× | 5.27× | ||
| Q4 24 | 1.26× | — | ||
| Q3 24 | 1.14× | 5.30× | ||
| Q2 24 | 1.15× | 0.00× | ||
| 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 | $118.7M |
| 自由现金流经营现金流 - 资本支出 | — | $98.5M |
| 自由现金流率自由现金流/营收 | — | 18.3% |
| 资本支出强度资本支出/营收 | — | 3.7% |
| 现金转化率经营现金流/净利润 | 1.96× | 3.42× |
| 过去12个月自由现金流最近4个季度 | — | $197.1M |
8季度趋势，按日历期对齐
经营现金流ALLYCON
| Q4 25 | $640.0M | $118.7M | ||
| Q3 25 | $1.2B | $60.6M | ||
| Q2 25 | $947.0M | $88.4M | ||
| Q1 25 | $940.0M | $11.7M | ||
| Q4 24 | $620.0M | — | ||
| Q3 24 | $992.0M | $65.9M | ||
| Q2 24 | $1.6B | — | ||
| Q1 24 | $1.3B | — |
自由现金流ALLYCON
| Q4 25 | — | $98.5M | ||
| Q3 25 | — | $39.4M | ||
| Q2 25 | — | $63.2M | ||
| Q1 25 | — | $-4.0M | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $50.8M | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
自由现金流率ALLYCON
| Q4 25 | — | 18.3% | ||
| Q3 25 | — | 6.9% | ||
| Q2 25 | — | 11.5% | ||
| Q1 25 | — | -0.8% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 10.4% | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
资本支出强度ALLYCON
| Q4 25 | — | 3.7% | ||
| Q3 25 | — | 3.7% | ||
| Q2 25 | — | 4.6% | ||
| Q1 25 | — | 3.1% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 3.1% | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
现金转化率ALLYCON
| Q4 25 | 1.96× | 3.42× | ||
| Q3 25 | 3.02× | 1.26× | ||
| Q2 25 | 2.69× | 1.98× | ||
| Q1 25 | — | 0.30× | ||
| Q4 24 | — | — | ||
| Q3 24 | 2.78× | 1.49× | ||
| 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% |
CON
| Occupational Health Center Workers Compensation | $328.5M | 61% |
| Occupational Health Center Employer Services | $151.9M | 28% |
| Onsite Health Clinics | $36.2M | 7% |
| Other Businesses | $12.3M | 2% |
| Occupational Health Center Consumer Health | $8.1M | 2% |
| Occupational Health Center Other | $2.1M | 0% |
