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Ally Financial Inc.（ALLY）与DigitalOcean Holdings, Inc.（DOCN）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DigitalOcean Holdings, Inc.的1.2倍（$301.0M vs $242.4M），Ally Financial Inc.净利率更高（108.6% vs 10.6%，领先98.1%），DigitalOcean Holdings, Inc.同比增速更快（18.3% vs -3.2%），过去两年DigitalOcean Holdings, Inc.的营收复合增速更高（14.5% 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。
DigitalOcean Holdings, Inc.是美国跨国科技企业及云服务提供商，总部位于美国科罗拉多州布鲁姆菲尔德，在全球布局15个数据中心，面向开发者、初创企业及中小微企业提供稳定易用的云基础设施即服务平台，助力各类技术团队高效开展业务。
ALLY vs DOCN — 直观对比
营收规模更大
ALLY
是对方的1.2倍
$242.4M
营收增速更快
DOCN
高出21.5%
-3.2%
净利率更高
ALLY
高出98.1%
10.6%
两年增速更快
DOCN
近两年复合增速
11.1%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $301.0M | $242.4M |
| 净利润 | $327.0M | $25.7M |
| 毛利率 | — | 58.7% |
| 营业利润率 | — | 16.0% |
| 净利率 | 108.6% | 10.6% |
| 营收同比 | -3.2% | 18.3% |
| 净利润同比 | 333.6% | 40.5% |
| 每股收益（稀释后） | $0.97 | $0.23 |
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ALLYDOCN
| Q4 25 | $301.0M | $242.4M | ||
| Q3 25 | $308.0M | $229.6M | ||
| Q2 25 | $312.0M | $218.7M | ||
| Q1 25 | $323.0M | $210.7M | ||
| Q4 24 | $311.0M | $204.9M | ||
| Q3 24 | $319.0M | $198.5M | ||
| Q2 24 | $324.0M | $192.5M | ||
| Q1 24 | $244.0M | $184.7M |
净利润ALLYDOCN
| Q4 25 | $327.0M | $25.7M | ||
| Q3 25 | $398.0M | $158.4M | ||
| Q2 25 | $352.0M | $37.0M | ||
| Q1 25 | $-225.0M | $38.2M | ||
| Q4 24 | $-140.0M | $18.3M | ||
| Q3 24 | $357.0M | $32.9M | ||
| Q2 24 | $294.0M | $19.1M | ||
| Q1 24 | $157.0M | $14.1M |
毛利率ALLYDOCN
| Q4 25 | — | 58.7% | ||
| Q3 25 | — | 59.6% | ||
| Q2 25 | — | 59.9% | ||
| Q1 25 | — | 61.4% | ||
| Q4 24 | — | 57.1% | ||
| Q3 24 | — | 60.2% | ||
| Q2 24 | — | 61.0% | ||
| Q1 24 | — | 60.7% |
营业利润率ALLYDOCN
| Q4 25 | — | 16.0% | ||
| Q3 25 | — | 19.6% | ||
| Q2 25 | — | 16.3% | ||
| Q1 25 | -87.9% | 17.9% | ||
| Q4 24 | 56.3% | 15.9% | ||
| Q3 24 | 73.0% | 12.4% | ||
| Q2 24 | 79.3% | 11.6% | ||
| Q1 24 | 70.1% | 6.2% |
净利率ALLYDOCN
| Q4 25 | 108.6% | 10.6% | ||
| Q3 25 | 129.2% | 69.0% | ||
| Q2 25 | 112.8% | 16.9% | ||
| Q1 25 | -69.7% | 18.1% | ||
| Q4 24 | -45.0% | 8.9% | ||
| Q3 24 | 111.9% | 16.6% | ||
| Q2 24 | 90.7% | 9.9% | ||
| Q1 24 | 64.3% | 7.7% |
每股收益（稀释后）ALLYDOCN
| Q4 25 | $0.97 | $0.23 | ||
| Q3 25 | $1.18 | $1.51 | ||
| Q2 25 | $1.04 | $0.39 | ||
| Q1 25 | $-0.82 | $0.39 | ||
| Q4 24 | $-0.54 | $0.21 | ||
| Q3 24 | $1.06 | $0.33 | ||
| Q2 24 | $0.86 | $0.20 | ||
| Q1 24 | $0.42 | $0.15 |
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 | $254.5M |
| 总债务越低越好 | $17.1B | $1.3B |
| 股东权益账面价值 | $15.5B | $-28.7M |
| 总资产 | $196.0B | $1.8B |
| 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ALLYDOCN
| Q4 25 | $10.0B | $254.5M | ||
| Q3 25 | $10.2B | $236.6M | ||
| Q2 25 | $10.6B | $387.7M | ||
| Q1 25 | $10.4B | $360.4M | ||
| Q4 24 | $10.3B | $428.4M | ||
| Q3 24 | $8.6B | $439.9M | ||
| Q2 24 | $7.4B | $443.1M | ||
| Q1 24 | $8.2B | $419.1M |
总债务ALLYDOCN
| Q4 25 | $17.1B | $1.3B | ||
| Q3 25 | $16.7B | $1.3B | ||
| Q2 25 | $15.9B | — | ||
| Q1 25 | $16.5B | — | ||
| Q4 24 | $17.5B | $1.5B | ||
| Q3 24 | $16.8B | — | ||
| Q2 24 | $16.0B | — | ||
| Q1 24 | $17.0B | — |
股东权益ALLYDOCN
| Q4 25 | $15.5B | $-28.7M | ||
| Q3 25 | $15.1B | $-69.6M | ||
| Q2 25 | $14.5B | $-175.2M | ||
| Q1 25 | $14.2B | $-210.7M | ||
| Q4 24 | $13.9B | $-203.0M | ||
| Q3 24 | $14.7B | $-211.7M | ||
| Q2 24 | $13.9B | $-253.8M | ||
| Q1 24 | $13.7B | $-286.1M |
总资产ALLYDOCN
| Q4 25 | $196.0B | $1.8B | ||
| Q3 25 | $191.7B | $1.7B | ||
| Q2 25 | $189.5B | $1.7B | ||
| Q1 25 | $193.3B | $1.6B | ||
| Q4 24 | $191.8B | $1.6B | ||
| Q3 24 | $193.0B | $1.5B | ||
| Q2 24 | $192.5B | $1.5B | ||
| Q1 24 | $192.9B | $1.5B |
负债/权益比ALLYDOCN
| Q4 25 | 1.10× | — | ||
| Q3 25 | 1.11× | — | ||
| Q2 25 | 1.09× | — | ||
| Q1 25 | 1.16× | — | ||
| Q4 24 | 1.26× | — | ||
| Q3 24 | 1.14× | — | ||
| Q2 24 | 1.15× | — | ||
| 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 | $57.3M |
| 自由现金流经营现金流 - 资本支出 | — | $31.1M |
| 自由现金流率自由现金流/营收 | — | 12.8% |
| 资本支出强度资本支出/营收 | — | 10.8% |
| 现金转化率经营现金流/净利润 | 1.96× | 2.23× |
| 过去12个月自由现金流最近4个季度 | — | $180.5M |
8季度趋势，按日历期对齐
经营现金流ALLYDOCN
| Q4 25 | $640.0M | $57.3M | ||
| Q3 25 | $1.2B | $95.8M | ||
| Q2 25 | $947.0M | $92.4M | ||
| Q1 25 | $940.0M | $64.1M | ||
| Q4 24 | $620.0M | $71.3M | ||
| Q3 24 | $992.0M | $73.4M | ||
| Q2 24 | $1.6B | $71.3M | ||
| Q1 24 | $1.3B | $66.7M |
自由现金流ALLYDOCN
| Q4 25 | — | $31.1M | ||
| Q3 25 | — | $88.0M | ||
| Q2 25 | — | $59.3M | ||
| Q1 25 | — | $2.1M | ||
| Q4 24 | — | $26.1M | ||
| Q3 24 | — | $16.0M | ||
| Q2 24 | — | $39.5M | ||
| Q1 24 | — | $23.0M |
自由现金流率ALLYDOCN
| Q4 25 | — | 12.8% | ||
| Q3 25 | — | 38.3% | ||
| Q2 25 | — | 27.1% | ||
| Q1 25 | — | 1.0% | ||
| Q4 24 | — | 12.7% | ||
| Q3 24 | — | 8.1% | ||
| Q2 24 | — | 20.5% | ||
| Q1 24 | — | 12.5% |
资本支出强度ALLYDOCN
| Q4 25 | — | 10.8% | ||
| Q3 25 | — | 3.4% | ||
| Q2 25 | — | 15.2% | ||
| Q1 25 | — | 29.4% | ||
| Q4 24 | — | 22.1% | ||
| Q3 24 | — | 28.9% | ||
| Q2 24 | — | 16.6% | ||
| Q1 24 | — | 23.6% |
现金转化率ALLYDOCN
| Q4 25 | 1.96× | 2.23× | ||
| Q3 25 | 3.02× | 0.60× | ||
| Q2 25 | 2.69× | 2.50× | ||
| Q1 25 | — | 1.68× | ||
| Q4 24 | — | 3.91× | ||
| Q3 24 | 2.78× | 2.23× | ||
| Q2 24 | 5.36× | 3.73× | ||
| Q1 24 | 8.54× | 4.72× |
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% |
DOCN
| Scalers | $84.3M | 35% |
| Scalers Plus | $69.9M | 29% |
| Builders | $64.1M | 26% |
| Learners Testers And Other | $24.1M | 10% |
