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Ally Financial Inc.（ALLY）与EDGEWELL PERSONAL CARE Co（EPC）财务数据对比。点击上方公司名可切换其他公司
EDGEWELL PERSONAL CARE Co的季度营收约是Ally Financial Inc.的1.4倍（$422.8M vs $301.0M），Ally Financial Inc.净利率更高（108.6% vs -15.5%，领先124.2%），Ally Financial Inc.同比增速更快（-3.2% vs -11.6%），过去两年Ally Financial Inc.的营收复合增速更高（11.1% vs -16.0%）
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。
Edgewell个人护理是一家总部位于美国康涅狄格州谢尔顿的跨国消费品企业，主营业务聚焦个人护理产品领域。公司在2015年从劲量控股分拆后正式成立，目前在全球多个市场开展个人护理相关业务。
ALLY vs EPC — 直观对比
营收规模更大
EPC
是对方的1.4倍
$301.0M
营收增速更快
ALLY
高出8.4%
-11.6%
净利率更高
ALLY
高出124.2%
-15.5%
两年增速更快
ALLY
近两年复合增速
-16.0%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $301.0M | $422.8M |
| 净利润 | $327.0M | $-65.7M |
| 毛利率 | — | 38.1% |
| 营业利润率 | — | -4.5% |
| 净利率 | 108.6% | -15.5% |
| 营收同比 | -3.2% | -11.6% |
| 净利润同比 | 333.6% | -3028.6% |
| 每股收益（稀释后） | $0.97 | $-1.41 |
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ALLYEPC
| Q4 25 | $301.0M | $422.8M | ||
| Q3 25 | $308.0M | $600.5M | ||
| Q2 25 | $312.0M | $627.2M | ||
| Q1 25 | $323.0M | $580.7M | ||
| Q4 24 | $311.0M | $415.1M | ||
| Q3 24 | $319.0M | $517.6M | ||
| Q2 24 | $324.0M | $647.8M | ||
| Q1 24 | $244.0M | $599.4M |
净利润ALLYEPC
| Q4 25 | $327.0M | $-65.7M | ||
| Q3 25 | $398.0M | $-30.6M | ||
| Q2 25 | $352.0M | $29.1M | ||
| Q1 25 | $-225.0M | $29.0M | ||
| Q4 24 | $-140.0M | $-2.1M | ||
| Q3 24 | $357.0M | $8.8M | ||
| Q2 24 | $294.0M | $49.0M | ||
| Q1 24 | $157.0M | $36.0M |
毛利率ALLYEPC
| Q4 25 | — | 38.1% | ||
| Q3 25 | — | 37.9% | ||
| Q2 25 | — | 42.8% | ||
| Q1 25 | — | 44.1% | ||
| Q4 24 | — | 41.6% | ||
| Q3 24 | — | 41.1% | ||
| Q2 24 | — | 44.3% | ||
| Q1 24 | — | 43.1% |
营业利润率ALLYEPC
| Q4 25 | — | -4.5% | ||
| Q3 25 | — | -4.2% | ||
| Q2 25 | — | 8.6% | ||
| Q1 25 | -87.9% | 10.1% | ||
| Q4 24 | 56.3% | 2.2% | ||
| Q3 24 | 73.0% | 3.9% | ||
| Q2 24 | 79.3% | 12.8% | ||
| Q1 24 | 70.1% | 11.7% |
净利率ALLYEPC
| Q4 25 | 108.6% | -15.5% | ||
| Q3 25 | 129.2% | -5.1% | ||
| Q2 25 | 112.8% | 4.6% | ||
| Q1 25 | -69.7% | 5.0% | ||
| Q4 24 | -45.0% | -0.5% | ||
| Q3 24 | 111.9% | 1.7% | ||
| Q2 24 | 90.7% | 7.6% | ||
| Q1 24 | 64.3% | 6.0% |
每股收益（稀释后）ALLYEPC
| Q4 25 | $0.97 | $-1.41 | ||
| Q3 25 | $1.18 | $-0.65 | ||
| Q2 25 | $1.04 | $0.62 | ||
| Q1 25 | $-0.82 | $0.60 | ||
| Q4 24 | $-0.54 | $-0.04 | ||
| Q3 24 | $1.06 | $0.18 | ||
| Q2 24 | $0.86 | $0.98 | ||
| Q1 24 | $0.42 | $0.72 |
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 | — |
| 总债务越低越好 | $17.1B | $1.5B |
| 股东权益账面价值 | $15.5B | $1.5B |
| 总资产 | $196.0B | $3.8B |
| 负债/权益比越低杠杆越低 | 1.10× | 1.03× |
8季度趋势，按日历期对齐
现金及短期投资ALLYEPC
| Q4 25 | $10.0B | — | ||
| Q3 25 | $10.2B | — | ||
| Q2 25 | $10.6B | — | ||
| Q1 25 | $10.4B | — | ||
| Q4 24 | $10.3B | — | ||
| Q3 24 | $8.6B | $209.1M | ||
| Q2 24 | $7.4B | — | ||
| Q1 24 | $8.2B | — |
总债务ALLYEPC
| Q4 25 | $17.1B | $1.5B | ||
| Q3 25 | $16.7B | $1.4B | ||
| Q2 25 | $15.9B | $1.4B | ||
| Q1 25 | $16.5B | $1.4B | ||
| Q4 24 | $17.5B | $1.4B | ||
| Q3 24 | $16.8B | $1.3B | ||
| Q2 24 | $16.0B | $1.3B | ||
| Q1 24 | $17.0B | $1.4B |
股东权益ALLYEPC
| Q4 25 | $15.5B | $1.5B | ||
| Q3 25 | $15.1B | $1.6B | ||
| Q2 25 | $14.5B | $1.6B | ||
| Q1 25 | $14.2B | $1.5B | ||
| Q4 24 | $13.9B | $1.5B | ||
| Q3 24 | $14.7B | $1.6B | ||
| Q2 24 | $13.9B | $1.6B | ||
| Q1 24 | $13.7B | $1.6B |
总资产ALLYEPC
| Q4 25 | $196.0B | $3.8B | ||
| Q3 25 | $191.7B | $3.8B | ||
| Q2 25 | $189.5B | $3.8B | ||
| Q1 25 | $193.3B | $3.8B | ||
| Q4 24 | $191.8B | $3.7B | ||
| Q3 24 | $193.0B | $3.7B | ||
| Q2 24 | $192.5B | $3.7B | ||
| Q1 24 | $192.9B | $3.8B |
负债/权益比ALLYEPC
| Q4 25 | 1.10× | 1.03× | ||
| Q3 25 | 1.11× | 0.89× | ||
| Q2 25 | 1.09× | 0.88× | ||
| Q1 25 | 1.16× | 0.95× | ||
| Q4 24 | 1.26× | 0.97× | ||
| Q3 24 | 1.14× | 0.81× | ||
| Q2 24 | 1.15× | 0.82× | ||
| Q1 24 | 1.25× | 0.88× |
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 | $-125.9M |
| 自由现金流经营现金流 - 资本支出 | — | $-137.5M |
| 自由现金流率自由现金流/营收 | — | -32.5% |
| 资本支出强度资本支出/营收 | — | 2.7% |
| 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 | — | $36.3M |
8季度趋势，按日历期对齐
经营现金流ALLYEPC
| Q4 25 | $640.0M | $-125.9M | ||
| Q3 25 | $1.2B | $74.1M | ||
| Q2 25 | $947.0M | $114.8M | ||
| Q1 25 | $940.0M | $45.1M | ||
| Q4 24 | $620.0M | $-115.6M | ||
| Q3 24 | $992.0M | $-388.3M | ||
| Q2 24 | $1.6B | $101.2M | ||
| Q1 24 | $1.3B | $129.0M |
自由现金流ALLYEPC
| Q4 25 | — | $-137.5M | ||
| Q3 25 | — | $46.5M | ||
| Q2 25 | — | $99.3M | ||
| Q1 25 | — | $28.0M | ||
| Q4 24 | — | $-132.4M | ||
| Q3 24 | — | $-414.2M | ||
| Q2 24 | — | $88.6M | ||
| Q1 24 | — | $117.5M |
自由现金流率ALLYEPC
| Q4 25 | — | -32.5% | ||
| Q3 25 | — | 7.7% | ||
| Q2 25 | — | 15.8% | ||
| Q1 25 | — | 4.8% | ||
| Q4 24 | — | -31.9% | ||
| Q3 24 | — | -80.0% | ||
| Q2 24 | — | 13.7% | ||
| Q1 24 | — | 19.6% |
资本支出强度ALLYEPC
| Q4 25 | — | 2.7% | ||
| Q3 25 | — | 4.6% | ||
| Q2 25 | — | 2.5% | ||
| Q1 25 | — | 2.9% | ||
| Q4 24 | — | 4.0% | ||
| Q3 24 | — | 5.0% | ||
| Q2 24 | — | 1.9% | ||
| Q1 24 | — | 1.9% |
现金转化率ALLYEPC
| Q4 25 | 1.96× | — | ||
| Q3 25 | 3.02× | — | ||
| Q2 25 | 2.69× | 3.95× | ||
| Q1 25 | — | 1.56× | ||
| Q4 24 | — | — | ||
| Q3 24 | 2.78× | -44.13× | ||
| Q2 24 | 5.36× | 2.07× | ||
| Q1 24 | 8.54× | 3.58× |
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% |
EPC
| Other | $242.0M | 57% |
| Sunand Skin Care Segment | $131.5M | 31% |
| Shavinggelsandcreams | $32.3M | 8% |
| Wipes And Other Skin Care Products | $17.0M | 4% |
