vs
Ally Financial Inc.（ALLY）与Dayforce（DAY）财务数据对比。点击上方公司名可切换其他公司
Dayforce的季度营收约是Ally Financial Inc.的1.6倍（$481.6M vs $301.0M），Ally Financial Inc.净利率更高（108.6% vs -40.9%，领先149.5%），Dayforce同比增速更快（9.5% vs -3.2%），过去两年Ally Financial Inc.的营收复合增速更高（11.1% vs 9.8%）
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。
Dayforce前身为知名人力资源服务商Ceridian，是一家总部位于美国的人力资源软件及服务企业，面向各行业不同规模的客户提供覆盖薪酬核算、人员管理、考勤等多场景的HR SaaS产品及配套专业服务，助力企业提升人力资源运营效率。
ALLY vs DAY — 直观对比
营收规模更大
DAY
是对方的1.6倍
$301.0M
营收增速更快
DAY
高出12.7%
-3.2%
净利率更高
ALLY
高出149.5%
-40.9%
两年增速更快
ALLY
近两年复合增速
9.8%
损益表 — Q4 FY2025 vs Q3 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $301.0M | $481.6M |
| 净利润 | $327.0M | $-196.8M |
| 毛利率 | — | — |
| 营业利润率 | — | 6.3% |
| 净利率 | 108.6% | -40.9% |
| 营收同比 | -3.2% | 9.5% |
| 净利润同比 | 333.6% | -9940.0% |
| 每股收益（稀释后） | $0.97 | $-1.23 |
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ALLYDAY
| Q4 25 | $301.0M | — | ||
| Q3 25 | $308.0M | $481.6M | ||
| Q2 25 | $312.0M | $464.7M | ||
| Q1 25 | $323.0M | $481.8M | ||
| Q4 24 | $311.0M | $465.2M | ||
| Q3 24 | $319.0M | $440.0M | ||
| Q2 24 | $324.0M | $423.3M | ||
| Q1 24 | $244.0M | $431.5M |
净利润ALLYDAY
| Q4 25 | $327.0M | — | ||
| Q3 25 | $398.0M | $-196.8M | ||
| Q2 25 | $352.0M | $21.3M | ||
| Q1 25 | $-225.0M | $14.9M | ||
| Q4 24 | $-140.0M | $10.8M | ||
| Q3 24 | $357.0M | $2.0M | ||
| Q2 24 | $294.0M | $-1.8M | ||
| Q1 24 | $157.0M | $7.1M |
毛利率ALLYDAY
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 47.0% | ||
| Q3 24 | — | 45.8% | ||
| Q2 24 | — | 44.1% | ||
| Q1 24 | — | 47.6% |
营业利润率ALLYDAY
| Q4 25 | — | — | ||
| Q3 25 | — | 6.3% | ||
| Q2 25 | — | 9.1% | ||
| Q1 25 | -87.9% | 6.4% | ||
| Q4 24 | 56.3% | 6.1% | ||
| Q3 24 | 73.0% | 4.7% | ||
| Q2 24 | 79.3% | 3.3% | ||
| Q1 24 | 70.1% | 9.4% |
净利率ALLYDAY
| Q4 25 | 108.6% | — | ||
| Q3 25 | 129.2% | -40.9% | ||
| Q2 25 | 112.8% | 4.6% | ||
| Q1 25 | -69.7% | 3.1% | ||
| Q4 24 | -45.0% | 2.3% | ||
| Q3 24 | 111.9% | 0.5% | ||
| Q2 24 | 90.7% | -0.4% | ||
| Q1 24 | 64.3% | 1.6% |
每股收益（稀释后）ALLYDAY
| Q4 25 | $0.97 | — | ||
| Q3 25 | $1.18 | $-1.23 | ||
| Q2 25 | $1.04 | $0.13 | ||
| Q1 25 | $-0.82 | $0.09 | ||
| Q4 24 | $-0.54 | $0.07 | ||
| Q3 24 | $1.06 | $0.01 | ||
| Q2 24 | $0.86 | $-0.01 | ||
| Q1 24 | $0.42 | $0.04 |
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 | $627.6M |
| 总债务越低越好 | $17.1B | $631.1M |
| 股东权益账面价值 | $15.5B | $2.7B |
| 总资产 | $196.0B | $8.7B |
| 负债/权益比越低杠杆越低 | 1.10× | 0.23× |
8季度趋势，按日历期对齐
现金及短期投资ALLYDAY
| Q4 25 | $10.0B | — | ||
| Q3 25 | $10.2B | $627.6M | ||
| Q2 25 | $10.6B | $625.2M | ||
| Q1 25 | $10.4B | $557.3M | ||
| Q4 24 | $10.3B | $579.7M | ||
| Q3 24 | $8.6B | $494.1M | ||
| Q2 24 | $7.4B | $465.4M | ||
| Q1 24 | $8.2B | $392.5M |
总债务ALLYDAY
| Q4 25 | $17.1B | — | ||
| Q3 25 | $16.7B | $631.1M | ||
| Q2 25 | $15.9B | $631.8M | ||
| Q1 25 | $16.5B | $632.4M | ||
| Q4 24 | $17.5B | $1.2B | ||
| Q3 24 | $16.8B | $1.2B | ||
| Q2 24 | $16.0B | $1.2B | ||
| Q1 24 | $17.0B | $1.2B |
股东权益ALLYDAY
| Q4 25 | $15.5B | — | ||
| Q3 25 | $15.1B | $2.7B | ||
| Q2 25 | $14.5B | $2.7B | ||
| Q1 25 | $14.2B | $2.6B | ||
| Q4 24 | $13.9B | $2.5B | ||
| Q3 24 | $14.7B | $2.6B | ||
| Q2 24 | $13.9B | $2.5B | ||
| Q1 24 | $13.7B | $2.4B |
总资产ALLYDAY
| Q4 25 | $196.0B | — | ||
| Q3 25 | $191.7B | $8.7B | ||
| Q2 25 | $189.5B | $8.5B | ||
| Q1 25 | $193.3B | $9.5B | ||
| Q4 24 | $191.8B | $9.1B | ||
| Q3 24 | $193.0B | $8.1B | ||
| Q2 24 | $192.5B | $9.0B | ||
| Q1 24 | $192.9B | $10.8B |
负债/权益比ALLYDAY
| Q4 25 | 1.10× | — | ||
| Q3 25 | 1.11× | 0.23× | ||
| Q2 25 | 1.09× | 0.23× | ||
| Q1 25 | 1.16× | 0.24× | ||
| Q4 24 | 1.26× | 0.47× | ||
| Q3 24 | 1.14× | 0.47× | ||
| Q2 24 | 1.15× | 0.49× | ||
| Q1 24 | 1.25× | 0.50× |
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 | $31.2M |
| 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ALLYDAY
| Q4 25 | $640.0M | — | ||
| Q3 25 | $1.2B | $31.2M | ||
| Q2 25 | $947.0M | $112.7M | ||
| Q1 25 | $940.0M | $49.6M | ||
| Q4 24 | $620.0M | $81.0M | ||
| Q3 24 | $992.0M | $91.8M | ||
| Q2 24 | $1.6B | $99.2M | ||
| Q1 24 | $1.3B | $9.1M |
现金转化率ALLYDAY
| Q4 25 | 1.96× | — | ||
| Q3 25 | 3.02× | — | ||
| Q2 25 | 2.69× | 5.29× | ||
| Q1 25 | — | 3.33× | ||
| Q4 24 | — | 7.50× | ||
| Q3 24 | 2.78× | 45.90× | ||
| Q2 24 | 5.36× | — | ||
| Q1 24 | 8.54× | 1.28× |
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% |
DAY
| Dayforce Recurring | $333.0M | 69% |
| Cloud And Bureau Professional Services And Other | $78.5M | 16% |
| Float | $42.2M | 9% |
| Powerpay Recurring | $19.7M | 4% |
| Other Recurring | $8.2M | 2% |
