vs
Ally Financial Inc.（ALLY）与Doximity, Inc.（DOCS）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Doximity, Inc.的1.6倍（$301.0M vs $185.1M），Ally Financial Inc.净利率更高（108.6% vs 33.3%，领先75.4%），Doximity, Inc.同比增速更快（9.8% vs -3.2%），过去两年Doximity, Inc.的营收复合增速更高（25.2% 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。
Doximity Inc成立于2010年，是面向医疗专业人士的线上社交服务平台，为平台会员提供精选医疗资讯、远程医疗工具，以及病例协作相关功能，助力医疗从业者高效交流信息、开展诊疗相关工作。
ALLY vs DOCS — 直观对比
营收规模更大
ALLY
是对方的1.6倍
$185.1M
营收增速更快
DOCS
高出13.0%
-3.2%
净利率更高
ALLY
高出75.4%
33.3%
两年增速更快
DOCS
近两年复合增速
11.1%
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $301.0M | $185.1M |
| 净利润 | $327.0M | $61.6M |
| 毛利率 | — | 89.9% |
| 营业利润率 | — | 38.9% |
| 净利率 | 108.6% | 33.3% |
| 营收同比 | -3.2% | 9.8% |
| 净利润同比 | 333.6% | -18.1% |
| 每股收益（稀释后） | $0.97 | $0.31 |
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ALLYDOCS
| Q4 25 | $301.0M | $185.1M | ||
| Q3 25 | $308.0M | $168.5M | ||
| Q2 25 | $312.0M | $145.9M | ||
| Q1 25 | $323.0M | $138.3M | ||
| Q4 24 | $311.0M | $168.6M | ||
| Q3 24 | $319.0M | $136.8M | ||
| Q2 24 | $324.0M | $126.7M | ||
| Q1 24 | $244.0M | $118.1M |
净利润ALLYDOCS
| Q4 25 | $327.0M | $61.6M | ||
| Q3 25 | $398.0M | $62.1M | ||
| Q2 25 | $352.0M | $53.3M | ||
| Q1 25 | $-225.0M | $62.5M | ||
| Q4 24 | $-140.0M | $75.2M | ||
| Q3 24 | $357.0M | $44.2M | ||
| Q2 24 | $294.0M | $41.4M | ||
| Q1 24 | $157.0M | $40.6M |
毛利率ALLYDOCS
| Q4 25 | — | 89.9% | ||
| Q3 25 | — | 90.3% | ||
| Q2 25 | — | 89.2% | ||
| Q1 25 | — | 89.5% | ||
| Q4 24 | — | 91.6% | ||
| Q3 24 | — | 90.0% | ||
| Q2 24 | — | 89.3% | ||
| Q1 24 | — | 89.4% |
营业利润率ALLYDOCS
| Q4 25 | — | 38.9% | ||
| Q3 25 | — | 37.8% | ||
| Q2 25 | — | 37.4% | ||
| Q1 25 | -87.9% | 35.2% | ||
| Q4 24 | 56.3% | 47.4% | ||
| Q3 24 | 73.0% | 38.8% | ||
| Q2 24 | 79.3% | 36.4% | ||
| Q1 24 | 70.1% | 35.5% |
净利率ALLYDOCS
| Q4 25 | 108.6% | 33.3% | ||
| Q3 25 | 129.2% | 36.8% | ||
| Q2 25 | 112.8% | 36.5% | ||
| Q1 25 | -69.7% | 45.2% | ||
| Q4 24 | -45.0% | 44.6% | ||
| Q3 24 | 111.9% | 32.3% | ||
| Q2 24 | 90.7% | 32.7% | ||
| Q1 24 | 64.3% | 34.4% |
每股收益（稀释后）ALLYDOCS
| Q4 25 | $0.97 | $0.31 | ||
| Q3 25 | $1.18 | $0.31 | ||
| Q2 25 | $1.04 | $0.27 | ||
| Q1 25 | $-0.82 | $0.31 | ||
| Q4 24 | $-0.54 | $0.37 | ||
| Q3 24 | $1.06 | $0.22 | ||
| Q2 24 | $0.86 | $0.21 | ||
| Q1 24 | $0.42 | $0.20 |
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 | $64.8M |
| 总债务越低越好 | $17.1B | — |
| 股东权益账面价值 | $15.5B | $979.3M |
| 总资产 | $196.0B | $1.2B |
| 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ALLYDOCS
| Q4 25 | $10.0B | $64.8M | ||
| Q3 25 | $10.2B | $169.2M | ||
| Q2 25 | $10.6B | $137.3M | ||
| Q1 25 | $10.4B | $209.6M | ||
| Q4 24 | $10.3B | $165.3M | ||
| Q3 24 | $8.6B | $184.2M | ||
| Q2 24 | $7.4B | $111.4M | ||
| Q1 24 | $8.2B | $96.8M |
总债务ALLYDOCS
| Q4 25 | $17.1B | — | ||
| Q3 25 | $16.7B | — | ||
| Q2 25 | $15.9B | — | ||
| Q1 25 | $16.5B | — | ||
| Q4 24 | $17.5B | — | ||
| Q3 24 | $16.8B | — | ||
| Q2 24 | $16.0B | — | ||
| Q1 24 | $17.0B | — |
股东权益ALLYDOCS
| Q4 25 | $15.5B | $979.3M | ||
| Q3 25 | $15.1B | $1.1B | ||
| Q2 25 | $14.5B | $1.0B | ||
| Q1 25 | $14.2B | $1.1B | ||
| Q4 24 | $13.9B | $1.0B | ||
| Q3 24 | $14.7B | $961.2M | ||
| Q2 24 | $13.9B | $913.6M | ||
| Q1 24 | $13.7B | $901.4M |
总资产ALLYDOCS
| Q4 25 | $196.0B | $1.2B | ||
| Q3 25 | $191.7B | $1.3B | ||
| Q2 25 | $189.5B | $1.2B | ||
| Q1 25 | $193.3B | $1.3B | ||
| Q4 24 | $191.8B | $1.2B | ||
| Q3 24 | $193.0B | $1.1B | ||
| Q2 24 | $192.5B | $1.1B | ||
| Q1 24 | $192.9B | $1.1B |
负债/权益比ALLYDOCS
| 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 | $60.9M |
| 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× | 0.99× |
| 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ALLYDOCS
| Q4 25 | $640.0M | $60.9M | ||
| Q3 25 | $1.2B | $93.9M | ||
| Q2 25 | $947.0M | $62.1M | ||
| Q1 25 | $940.0M | $98.5M | ||
| Q4 24 | $620.0M | $65.2M | ||
| Q3 24 | $992.0M | $68.3M | ||
| Q2 24 | $1.6B | $41.2M | ||
| Q1 24 | $1.3B | $63.9M |
资本支出强度ALLYDOCS
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | 0.0% | ||
| Q4 24 | — | 0.0% | ||
| Q3 24 | — | 0.0% | ||
| Q2 24 | — | 0.0% | ||
| Q1 24 | — | 0.0% |
现金转化率ALLYDOCS
| Q4 25 | 1.96× | 0.99× | ||
| Q3 25 | 3.02× | 1.51× | ||
| Q2 25 | 2.69× | 1.16× | ||
| Q1 25 | — | 1.58× | ||
| Q4 24 | — | 0.87× | ||
| Q3 24 | 2.78× | 1.55× | ||
| Q2 24 | 5.36× | 1.00× | ||
| Q1 24 | 8.54× | 1.57× |
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% |
DOCS
| Subscription | $175.4M | 95% |
| Service Other | $9.7M | 5% |
