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Ally Financial Inc.（ALLY）与CSW INDUSTRIALS, INC.（CSW）财务数据对比。点击上方公司名可切换其他公司
Ally Financial Inc.的季度营收约是CSW INDUSTRIALS, INC.的1.3倍（$301.0M vs $233.0M），Ally Financial Inc.净利率更高（108.6% vs 4.4%，领先104.2%），CSW INDUSTRIALS, INC.同比增速更快（20.3% 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。
ALLY vs CSW — 直观对比
营收规模更大
ALLY
是对方的1.3倍
$233.0M
营收增速更快
CSW
高出23.5%
-3.2%
净利率更高
ALLY
高出104.2%
4.4%
两年增速更快
ALLY
近两年复合增速
5.1%
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $301.0M | $233.0M |
| 净利润 | $327.0M | $10.3M |
| 毛利率 | — | 39.7% |
| 营业利润率 | — | 7.4% |
| 净利率 | 108.6% | 4.4% |
| 营收同比 | -3.2% | 20.3% |
| 净利润同比 | 333.6% | -61.9% |
| 每股收益（稀释后） | $0.97 | $0.62 |
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ALLYCSW
| Q4 25 | $301.0M | $233.0M | ||
| Q3 25 | $308.0M | $277.0M | ||
| Q2 25 | $312.0M | $263.6M | ||
| Q1 25 | $323.0M | $230.5M | ||
| Q4 24 | $311.0M | $193.6M | ||
| Q3 24 | $319.0M | $227.9M | ||
| Q2 24 | $324.0M | $226.2M | ||
| Q1 24 | $244.0M | $210.9M |
净利润ALLYCSW
| Q4 25 | $327.0M | $10.3M | ||
| Q3 25 | $398.0M | $40.7M | ||
| Q2 25 | $352.0M | $40.9M | ||
| Q1 25 | $-225.0M | $35.1M | ||
| Q4 24 | $-140.0M | $26.9M | ||
| Q3 24 | $357.0M | $36.1M | ||
| Q2 24 | $294.0M | $38.6M | ||
| Q1 24 | $157.0M | $31.8M |
毛利率ALLYCSW
| Q4 25 | — | 39.7% | ||
| Q3 25 | — | 43.0% | ||
| Q2 25 | — | 43.8% | ||
| Q1 25 | — | 44.2% | ||
| Q4 24 | — | 41.4% | ||
| Q3 24 | — | 45.6% | ||
| Q2 24 | — | 47.5% | ||
| Q1 24 | — | 44.4% |
营业利润率ALLYCSW
| Q4 25 | — | 7.4% | ||
| Q3 25 | — | 20.5% | ||
| Q2 25 | — | 20.8% | ||
| Q1 25 | -87.9% | 19.5% | ||
| Q4 24 | 56.3% | 15.3% | ||
| Q3 24 | 73.0% | 22.6% | ||
| Q2 24 | 79.3% | 24.3% | ||
| Q1 24 | 70.1% | 21.0% |
净利率ALLYCSW
| Q4 25 | 108.6% | 4.4% | ||
| Q3 25 | 129.2% | 14.7% | ||
| Q2 25 | 112.8% | 15.5% | ||
| Q1 25 | -69.7% | 15.2% | ||
| Q4 24 | -45.0% | 13.9% | ||
| Q3 24 | 111.9% | 15.8% | ||
| Q2 24 | 90.7% | 17.1% | ||
| Q1 24 | 64.3% | 15.1% |
每股收益（稀释后）ALLYCSW
| Q4 25 | $0.97 | $0.62 | ||
| Q3 25 | $1.18 | $2.41 | ||
| Q2 25 | $1.04 | $2.43 | ||
| Q1 25 | $-0.82 | $2.05 | ||
| Q4 24 | $-0.54 | $1.60 | ||
| Q3 24 | $1.06 | $2.26 | ||
| Q2 24 | $0.86 | $2.47 | ||
| Q1 24 | $0.42 | $2.03 |
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 | $40.2M |
| 总债务越低越好 | $17.1B | — |
| 股东权益账面价值 | $15.5B | $1.1B |
| 总资产 | $196.0B | $2.3B |
| 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ALLYCSW
| Q4 25 | $10.0B | $40.2M | ||
| Q3 25 | $10.2B | $31.5M | ||
| Q2 25 | $10.6B | $38.0M | ||
| Q1 25 | $10.4B | $225.8M | ||
| Q4 24 | $10.3B | $213.8M | ||
| Q3 24 | $8.6B | $273.2M | ||
| Q2 24 | $7.4B | $18.9M | ||
| Q1 24 | $8.2B | $22.2M |
总债务ALLYCSW
| Q4 25 | $17.1B | — | ||
| Q3 25 | $16.7B | — | ||
| Q2 25 | $15.9B | — | ||
| Q1 25 | $16.5B | $800.1M | ||
| Q4 24 | $17.5B | — | ||
| Q3 24 | $16.8B | — | ||
| Q2 24 | $16.0B | — | ||
| Q1 24 | $17.0B | $166.0M |
股东权益ALLYCSW
| Q4 25 | $15.5B | $1.1B | ||
| Q3 25 | $15.1B | $1.1B | ||
| Q2 25 | $14.5B | $1.1B | ||
| Q1 25 | $14.2B | $1.1B | ||
| Q4 24 | $13.9B | $1.0B | ||
| Q3 24 | $14.7B | $1.0B | ||
| Q2 24 | $13.9B | $650.2M | ||
| Q1 24 | $13.7B | $615.7M |
总资产ALLYCSW
| Q4 25 | $196.0B | $2.3B | ||
| Q3 25 | $191.7B | $1.5B | ||
| Q2 25 | $189.5B | $1.5B | ||
| Q1 25 | $193.3B | $1.4B | ||
| Q4 24 | $191.8B | $1.4B | ||
| Q3 24 | $193.0B | $1.4B | ||
| Q2 24 | $192.5B | $1.1B | ||
| Q1 24 | $192.9B | $1.0B |
负债/权益比ALLYCSW
| Q4 25 | 1.10× | — | ||
| Q3 25 | 1.11× | — | ||
| Q2 25 | 1.09× | — | ||
| Q1 25 | 1.16× | 0.75× | ||
| Q4 24 | 1.26× | — | ||
| Q3 24 | 1.14× | — | ||
| Q2 24 | 1.15× | — | ||
| Q1 24 | 1.25× | 0.27× |
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 | $28.9M |
| 自由现金流经营现金流 - 资本支出 | — | $22.7M |
| 自由现金流率自由现金流/营收 | — | 9.8% |
| 资本支出强度资本支出/营收 | — | 2.6% |
| 现金转化率经营现金流/净利润 | 1.96× | 2.81× |
| 过去12个月自由现金流最近4个季度 | — | $162.0M |
8季度趋势，按日历期对齐
经营现金流ALLYCSW
| Q4 25 | $640.0M | $28.9M | ||
| Q3 25 | $1.2B | $61.8M | ||
| Q2 25 | $947.0M | $60.6M | ||
| Q1 25 | $940.0M | $27.3M | ||
| Q4 24 | $620.0M | $11.6M | ||
| Q3 24 | $992.0M | $66.8M | ||
| Q2 24 | $1.6B | $62.7M | ||
| Q1 24 | $1.3B | $22.4M |
自由现金流ALLYCSW
| Q4 25 | — | $22.7M | ||
| Q3 25 | — | $58.7M | ||
| Q2 25 | — | $57.7M | ||
| Q1 25 | — | $22.8M | ||
| Q4 24 | — | $8.5M | ||
| Q3 24 | — | $61.3M | ||
| Q2 24 | — | $59.6M | ||
| Q1 24 | — | $17.5M |
自由现金流率ALLYCSW
| Q4 25 | — | 9.8% | ||
| Q3 25 | — | 21.2% | ||
| Q2 25 | — | 21.9% | ||
| Q1 25 | — | 9.9% | ||
| Q4 24 | — | 4.4% | ||
| Q3 24 | — | 26.9% | ||
| Q2 24 | — | 26.3% | ||
| Q1 24 | — | 8.3% |
资本支出强度ALLYCSW
| Q4 25 | — | 2.6% | ||
| Q3 25 | — | 1.1% | ||
| Q2 25 | — | 1.1% | ||
| Q1 25 | — | 2.0% | ||
| Q4 24 | — | 1.6% | ||
| Q3 24 | — | 2.4% | ||
| Q2 24 | — | 1.4% | ||
| Q1 24 | — | 2.3% |
现金转化率ALLYCSW
| Q4 25 | 1.96× | 2.81× | ||
| Q3 25 | 3.02× | 1.52× | ||
| Q2 25 | 2.69× | 1.48× | ||
| Q1 25 | — | 0.78× | ||
| Q4 24 | — | 0.43× | ||
| Q3 24 | 2.78× | 1.85× | ||
| Q2 24 | 5.36× | 1.62× | ||
| Q1 24 | 8.54× | 0.71× |
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% |
CSW
| Contractor Solutions Segment | $166.3M | 71% |
| Specialized Reliability Solutions Segment | $38.2M | 16% |
| Engineered Building Solutions Segment | $28.5M | 12% |
