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Ally Financial Inc.（ALLY）与Custom Truck One Source, Inc.（CTOS）财务数据对比。点击上方公司名可切换其他公司
Custom Truck One Source, Inc.的季度营收约是Ally Financial Inc.的1.4倍（$422.2M vs $301.0M），Ally Financial Inc.净利率更高（108.6% vs -4.2%，领先112.9%），Ally Financial Inc.同比增速更快（-3.2% vs -8.5%），过去两年Custom Truck One Source, Inc.的营收复合增速更高（14.8% vs 11.1%）
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。
Custom Truck One Source是北美领先的专用重型卡车及设备解决方案提供商，业务覆盖定制车辆制造、设备销售与租赁、售后配件供应及维保服务，主要服务基建、公用事业、建筑、能源等核心领域。
ALLY vs CTOS — 直观对比
营收规模更大
CTOS
是对方的1.4倍
$301.0M
营收增速更快
ALLY
高出5.3%
-8.5%
净利率更高
ALLY
高出112.9%
-4.2%
两年增速更快
CTOS
近两年复合增速
11.1%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $301.0M | $422.2M |
| 净利润 | $327.0M | $-17.8M |
| 毛利率 | — | 20.3% |
| 营业利润率 | — | 2.9% |
| 净利率 | 108.6% | -4.2% |
| 营收同比 | -3.2% | -8.5% |
| 净利润同比 | 333.6% | -333.7% |
| 每股收益（稀释后） | $0.97 | $-0.08 |
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ALLYCTOS
| Q1 26 | — | $422.2M | ||
| Q4 25 | $301.0M | $387.3M | ||
| Q3 25 | $308.0M | $359.9M | ||
| Q2 25 | $312.0M | $392.2M | ||
| Q1 25 | $323.0M | $307.1M | ||
| Q4 24 | $311.0M | $398.3M | ||
| Q3 24 | $319.0M | $337.5M | ||
| Q2 24 | $324.0M | $320.6M |
净利润ALLYCTOS
| Q1 26 | — | $-17.8M | ||
| Q4 25 | $327.0M | $20.9M | ||
| Q3 25 | $398.0M | $-5.8M | ||
| Q2 25 | $352.0M | $-28.4M | ||
| Q1 25 | $-225.0M | $-17.8M | ||
| Q4 24 | $-140.0M | $27.6M | ||
| Q3 24 | $357.0M | $-17.4M | ||
| Q2 24 | $294.0M | $-24.5M |
毛利率ALLYCTOS
| Q1 26 | — | 20.3% | ||
| Q4 25 | — | 31.8% | ||
| Q3 25 | — | 28.0% | ||
| Q2 25 | — | 26.1% | ||
| Q1 25 | — | 27.9% | ||
| Q4 24 | — | 29.7% | ||
| Q3 24 | — | 27.2% | ||
| Q2 24 | — | 27.8% |
营业利润率ALLYCTOS
| Q1 26 | — | 2.9% | ||
| Q4 25 | — | 13.4% | ||
| Q3 25 | — | 9.1% | ||
| Q2 25 | — | 7.1% | ||
| Q1 25 | -87.9% | 4.0% | ||
| Q4 24 | 56.3% | 16.9% | ||
| Q3 24 | 73.0% | 6.8% | ||
| Q2 24 | 79.3% | 5.5% |
净利率ALLYCTOS
| Q1 26 | — | -4.2% | ||
| Q4 25 | 108.6% | 5.4% | ||
| Q3 25 | 129.2% | -1.6% | ||
| Q2 25 | 112.8% | -7.2% | ||
| Q1 25 | -69.7% | -5.8% | ||
| Q4 24 | -45.0% | 6.9% | ||
| Q3 24 | 111.9% | -5.2% | ||
| Q2 24 | 90.7% | -7.6% |
每股收益（稀释后）ALLYCTOS
| Q1 26 | — | $-0.08 | ||
| Q4 25 | $0.97 | $0.10 | ||
| Q3 25 | $1.18 | $-0.03 | ||
| Q2 25 | $1.04 | $-0.13 | ||
| Q1 25 | $-0.82 | $-0.08 | ||
| Q4 24 | $-0.54 | $0.11 | ||
| Q3 24 | $1.06 | $-0.07 | ||
| Q2 24 | $0.86 | $-0.10 |
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 | $6.3M |
| 总债务越低越好 | $17.1B | $25.9M |
| 股东权益账面价值 | $15.5B | $809.1M |
| 总资产 | $196.0B | $3.4B |
| 负债/权益比越低杠杆越低 | 1.10× | 0.03× |
8季度趋势，按日历期对齐
现金及短期投资ALLYCTOS
| Q1 26 | — | $6.3M | ||
| Q4 25 | $10.0B | $6.3M | ||
| Q3 25 | $10.2B | $13.1M | ||
| Q2 25 | $10.6B | $5.3M | ||
| Q1 25 | $10.4B | $5.4M | ||
| Q4 24 | $10.3B | $3.8M | ||
| Q3 24 | $8.6B | $8.4M | ||
| Q2 24 | $7.4B | $8.1M |
总债务ALLYCTOS
| Q1 26 | — | $25.9M | ||
| Q4 25 | $17.1B | $1.6B | ||
| Q3 25 | $16.7B | $1.6B | ||
| Q2 25 | $15.9B | $1.6B | ||
| Q1 25 | $16.5B | $1.6B | ||
| Q4 24 | $17.5B | $1.5B | ||
| Q3 24 | $16.8B | $1.6B | ||
| Q2 24 | $16.0B | $1.5B |
股东权益ALLYCTOS
| Q1 26 | — | $809.1M | ||
| Q4 25 | $15.5B | $809.1M | ||
| Q3 25 | $15.1B | $784.7M | ||
| Q2 25 | $14.5B | $790.1M | ||
| Q1 25 | $14.2B | $813.4M | ||
| Q4 24 | $13.9B | $861.3M | ||
| Q3 24 | $14.7B | $837.5M | ||
| Q2 24 | $13.9B | $856.7M |
总资产ALLYCTOS
| Q1 26 | — | $3.4B | ||
| Q4 25 | $196.0B | $3.4B | ||
| Q3 25 | $191.7B | $3.5B | ||
| Q2 25 | $189.5B | $3.6B | ||
| Q1 25 | $193.3B | $3.5B | ||
| Q4 24 | $191.8B | $3.5B | ||
| Q3 24 | $193.0B | $3.6B | ||
| Q2 24 | $192.5B | $3.5B |
负债/权益比ALLYCTOS
| Q1 26 | — | 0.03× | ||
| Q4 25 | 1.10× | 2.03× | ||
| Q3 25 | 1.11× | 2.10× | ||
| Q2 25 | 1.09× | 2.04× | ||
| Q1 25 | 1.16× | 1.97× | ||
| Q4 24 | 1.26× | 1.77× | ||
| Q3 24 | 1.14× | 1.87× | ||
| Q2 24 | 1.15× | 1.79× |
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 | — |
| 自由现金流经营现金流 - 资本支出 | — | — |
| 自由现金流率自由现金流/营收 | — | — |
| 资本支出强度资本支出/营收 | — | — |
| 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 | — | — |
8季度趋势，按日历期对齐
经营现金流ALLYCTOS
| Q1 26 | — | — | ||
| Q4 25 | $640.0M | $47.3M | ||
| Q3 25 | $1.2B | $81.5M | ||
| Q2 25 | $947.0M | $125.7M | ||
| Q1 25 | $940.0M | $55.6M | ||
| Q4 24 | $620.0M | $82.1M | ||
| Q3 24 | $992.0M | $16.5M | ||
| Q2 24 | $1.6B | $37.8M |
现金转化率ALLYCTOS
| Q1 26 | — | — | ||
| Q4 25 | 1.96× | 2.27× | ||
| Q3 25 | 3.02× | — | ||
| Q2 25 | 2.69× | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 2.98× | ||
| 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% |
CTOS
| Equipment sales | $273.9M | 65% |
| Rental revenue | $116.3M | 28% |
| Parts sales and services | $32.1M | 8% |
