vs
Ally Financial Inc.（ALLY）与南玻集团（CSGS）财务数据对比。点击上方公司名可切换其他公司
南玻集团的季度营收约是Ally Financial Inc.的1.1倍（$323.1M vs $301.0M），Ally Financial Inc.净利率更高（108.6% vs 2.2%，领先106.5%），南玻集团同比增速更快（2.0% vs -3.2%），过去两年Ally Financial Inc.的营收复合增速更高（11.1% vs 4.6%）
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。
中国南玻集团股份有限公司是中国规模最大的建筑玻璃生产商，业务涵盖浮法玻璃、建筑玻璃、显示玻璃、汽车玻璃、镀膜玻璃、镜子、彩滤玻璃、太阳能玻璃及节能玻璃等各类玻璃产品的研发、生产与销售，产品广泛应用于建筑、消费电子、新能源汽车、光伏等多个领域。
ALLY vs CSGS — 直观对比
营收规模更大
CSGS
是对方的1.1倍
$301.0M
营收增速更快
CSGS
高出5.2%
-3.2%
净利率更高
ALLY
高出106.5%
2.2%
两年增速更快
ALLY
近两年复合增速
4.6%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $301.0M | $323.1M |
| 净利润 | $327.0M | $7.0M |
| 毛利率 | — | 50.0% |
| 营业利润率 | — | 9.0% |
| 净利率 | 108.6% | 2.2% |
| 营收同比 | -3.2% | 2.0% |
| 净利润同比 | 333.6% | -79.7% |
| 每股收益（稀释后） | $0.97 | $0.24 |
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ALLYCSGS
| Q4 25 | $301.0M | $323.1M | ||
| Q3 25 | $308.0M | $303.6M | ||
| Q2 25 | $312.0M | $297.1M | ||
| Q1 25 | $323.0M | $299.5M | ||
| Q4 24 | $311.0M | $316.7M | ||
| Q3 24 | $319.0M | $295.1M | ||
| Q2 24 | $324.0M | $290.3M | ||
| Q1 24 | $244.0M | $295.1M |
净利润ALLYCSGS
| Q4 25 | $327.0M | $7.0M | ||
| Q3 25 | $398.0M | $20.5M | ||
| Q2 25 | $352.0M | $12.3M | ||
| Q1 25 | $-225.0M | $16.1M | ||
| Q4 24 | $-140.0M | $34.5M | ||
| Q3 24 | $357.0M | $19.1M | ||
| Q2 24 | $294.0M | $13.8M | ||
| Q1 24 | $157.0M | $19.5M |
毛利率ALLYCSGS
| Q4 25 | — | 50.0% | ||
| Q3 25 | — | 48.1% | ||
| Q2 25 | — | 49.5% | ||
| Q1 25 | — | 48.4% | ||
| Q4 24 | — | 51.3% | ||
| Q3 24 | — | 49.4% | ||
| Q2 24 | — | 47.3% | ||
| Q1 24 | — | 46.5% |
营业利润率ALLYCSGS
| Q4 25 | — | 9.0% | ||
| Q3 25 | — | 10.0% | ||
| Q2 25 | — | 10.0% | ||
| Q1 25 | -87.9% | 9.8% | ||
| Q4 24 | 56.3% | 13.4% | ||
| Q3 24 | 73.0% | 10.8% | ||
| Q2 24 | 79.3% | 8.8% | ||
| Q1 24 | 70.1% | 10.8% |
净利率ALLYCSGS
| Q4 25 | 108.6% | 2.2% | ||
| Q3 25 | 129.2% | 6.7% | ||
| Q2 25 | 112.8% | 4.1% | ||
| Q1 25 | -69.7% | 5.4% | ||
| Q4 24 | -45.0% | 10.9% | ||
| Q3 24 | 111.9% | 6.5% | ||
| Q2 24 | 90.7% | 4.8% | ||
| Q1 24 | 64.3% | 6.6% |
每股收益（稀释后）ALLYCSGS
| Q4 25 | $0.97 | $0.24 | ||
| Q3 25 | $1.18 | $0.73 | ||
| Q2 25 | $1.04 | $0.44 | ||
| Q1 25 | $-0.82 | $0.57 | ||
| Q4 24 | $-0.54 | $1.20 | ||
| Q3 24 | $1.06 | $0.67 | ||
| Q2 24 | $0.86 | $0.48 | ||
| Q1 24 | $0.42 | $0.68 |
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 | $180.0M |
| 总债务越低越好 | $17.1B | $539.5M |
| 股东权益账面价值 | $15.5B | $283.7M |
| 总资产 | $196.0B | $1.5B |
| 负债/权益比越低杠杆越低 | 1.10× | 1.90× |
8季度趋势，按日历期对齐
现金及短期投资ALLYCSGS
| Q4 25 | $10.0B | $180.0M | ||
| Q3 25 | $10.2B | $158.4M | ||
| Q2 25 | $10.6B | $145.9M | ||
| Q1 25 | $10.4B | $136.0M | ||
| Q4 24 | $10.3B | $161.8M | ||
| Q3 24 | $8.6B | $118.4M | ||
| Q2 24 | $7.4B | $110.4M | ||
| Q1 24 | $8.2B | $120.8M |
总债务ALLYCSGS
| Q4 25 | $17.1B | $539.5M | ||
| Q3 25 | $16.7B | $538.6M | ||
| Q2 25 | $15.9B | $537.8M | ||
| Q1 25 | $16.5B | $537.6M | ||
| Q4 24 | $17.5B | $538.5M | ||
| Q3 24 | $16.8B | $539.5M | ||
| Q2 24 | $16.0B | $540.5M | ||
| Q1 24 | $17.0B | $541.5M |
股东权益ALLYCSGS
| Q4 25 | $15.5B | $283.7M | ||
| Q3 25 | $15.1B | $289.5M | ||
| Q2 25 | $14.5B | $290.7M | ||
| Q1 25 | $14.2B | $283.1M | ||
| Q4 24 | $13.9B | $282.6M | ||
| Q3 24 | $14.7B | $288.4M | ||
| Q2 24 | $13.9B | $273.3M | ||
| Q1 24 | $13.7B | $269.3M |
总资产ALLYCSGS
| Q4 25 | $196.0B | $1.5B | ||
| Q3 25 | $191.7B | $1.5B | ||
| Q2 25 | $189.5B | $1.4B | ||
| Q1 25 | $193.3B | $1.4B | ||
| Q4 24 | $191.8B | $1.5B | ||
| Q3 24 | $193.0B | $1.4B | ||
| Q2 24 | $192.5B | $1.4B | ||
| Q1 24 | $192.9B | $1.3B |
负债/权益比ALLYCSGS
| Q4 25 | 1.10× | 1.90× | ||
| Q3 25 | 1.11× | 1.86× | ||
| Q2 25 | 1.09× | 1.85× | ||
| Q1 25 | 1.16× | 1.90× | ||
| Q4 24 | 1.26× | 1.91× | ||
| Q3 24 | 1.14× | 1.87× | ||
| Q2 24 | 1.15× | 1.98× | ||
| Q1 24 | 1.25× | 2.01× |
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 | $59.2M |
| 自由现金流经营现金流 - 资本支出 | — | $55.8M |
| 自由现金流率自由现金流/营收 | — | 17.3% |
| 资本支出强度资本支出/营收 | — | 1.1% |
| 现金转化率经营现金流/净利润 | 1.96× | 8.46× |
| 过去12个月自由现金流最近4个季度 | — | $141.4M |
8季度趋势，按日历期对齐
经营现金流ALLYCSGS
| Q4 25 | $640.0M | $59.2M | ||
| Q3 25 | $1.2B | $47.9M | ||
| Q2 25 | $947.0M | $37.3M | ||
| Q1 25 | $940.0M | $11.5M | ||
| Q4 24 | $620.0M | $82.5M | ||
| Q3 24 | $992.0M | $39.5M | ||
| Q2 24 | $1.6B | $43.1M | ||
| Q1 24 | $1.3B | $-29.4M |
自由现金流ALLYCSGS
| Q4 25 | — | $55.8M | ||
| Q3 25 | — | $43.9M | ||
| Q2 25 | — | $34.6M | ||
| Q1 25 | — | $7.1M | ||
| Q4 24 | — | $76.6M | ||
| Q3 24 | — | $32.0M | ||
| Q2 24 | — | $38.8M | ||
| Q1 24 | — | $-34.1M |
自由现金流率ALLYCSGS
| Q4 25 | — | 17.3% | ||
| Q3 25 | — | 14.5% | ||
| Q2 25 | — | 11.6% | ||
| Q1 25 | — | 2.4% | ||
| Q4 24 | — | 24.2% | ||
| Q3 24 | — | 10.8% | ||
| Q2 24 | — | 13.4% | ||
| Q1 24 | — | -11.6% |
资本支出强度ALLYCSGS
| Q4 25 | — | 1.1% | ||
| Q3 25 | — | 1.3% | ||
| Q2 25 | — | 0.9% | ||
| Q1 25 | — | 1.5% | ||
| Q4 24 | — | 1.9% | ||
| Q3 24 | — | 2.5% | ||
| Q2 24 | — | 1.5% | ||
| Q1 24 | — | 1.6% |
现金转化率ALLYCSGS
| Q4 25 | 1.96× | 8.46× | ||
| Q3 25 | 3.02× | 2.34× | ||
| Q2 25 | 2.69× | 3.04× | ||
| Q1 25 | — | 0.71× | ||
| Q4 24 | — | 2.39× | ||
| Q3 24 | 2.78× | 2.07× | ||
| Q2 24 | 5.36× | 3.12× | ||
| Q1 24 | 8.54× | -1.51× |
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% |
CSGS
| Software As A Service And Related Solutions | $287.2M | 89% |
| License And Service | $22.6M | 7% |
| Maintenance | $13.3M | 4% |
