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Ally Financial Inc.（ALLY）与Esperion Therapeutics, Inc.（ESPR）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Esperion Therapeutics, Inc.的1.8倍（$301.0M vs $168.4M），Esperion Therapeutics, Inc.同比增速更快（143.7% vs -3.2%），过去两年Ally Financial Inc.的营收复合增速更高（11.1% vs 10.6%）
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。
Esperion Therapeutics, Inc.是一家上市美国药企，专注开发用于降低低密度脂蛋白胆固醇的口服小分子药物苯哌多酸，公司总部位于密歇根州安娜堡，目前核心研发管线围绕这款降脂创新药物推进，深耕血脂异常治疗领域的创新药物开发。
ALLY vs ESPR — 直观对比
营收规模更大
ALLY
是对方的1.8倍
$168.4M
营收增速更快
ESPR
高出146.9%
-3.2%
两年增速更快
ALLY
近两年复合增速
10.6%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $301.0M | $168.4M |
| 净利润 | $327.0M | — |
| 毛利率 | — | — |
| 营业利润率 | — | 50.6% |
| 净利率 | 108.6% | — |
| 营收同比 | -3.2% | 143.7% |
| 净利润同比 | 333.6% | — |
| 每股收益（稀释后） | $0.97 | $0.32 |
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ALLYESPR
| Q4 25 | $301.0M | $168.4M | ||
| Q3 25 | $308.0M | $87.3M | ||
| Q2 25 | $312.0M | $82.4M | ||
| Q1 25 | $323.0M | $65.0M | ||
| Q4 24 | $311.0M | $69.1M | ||
| Q3 24 | $319.0M | $51.6M | ||
| Q2 24 | $324.0M | $73.8M | ||
| Q1 24 | $244.0M | $137.7M |
净利润ALLYESPR
| Q4 25 | $327.0M | — | ||
| Q3 25 | $398.0M | $-31.3M | ||
| Q2 25 | $352.0M | $-12.7M | ||
| Q1 25 | $-225.0M | $-40.5M | ||
| Q4 24 | $-140.0M | — | ||
| Q3 24 | $357.0M | $-29.5M | ||
| Q2 24 | $294.0M | $-61.9M | ||
| Q1 24 | $157.0M | $61.0M |
营业利润率ALLYESPR
| Q4 25 | — | 50.6% | ||
| Q3 25 | — | -11.4% | ||
| Q2 25 | — | 8.6% | ||
| Q1 25 | -87.9% | -34.0% | ||
| Q4 24 | 56.3% | -6.4% | ||
| Q3 24 | 73.0% | -31.0% | ||
| Q2 24 | 79.3% | 3.5% | ||
| Q1 24 | 70.1% | 52.5% |
净利率ALLYESPR
| Q4 25 | 108.6% | — | ||
| Q3 25 | 129.2% | -35.9% | ||
| Q2 25 | 112.8% | -15.4% | ||
| Q1 25 | -69.7% | -62.2% | ||
| Q4 24 | -45.0% | — | ||
| Q3 24 | 111.9% | -57.2% | ||
| Q2 24 | 90.7% | -83.9% | ||
| Q1 24 | 64.3% | 44.3% |
每股收益（稀释后）ALLYESPR
| Q4 25 | $0.97 | $0.32 | ||
| Q3 25 | $1.18 | $-0.16 | ||
| Q2 25 | $1.04 | $-0.06 | ||
| Q1 25 | $-0.82 | $-0.21 | ||
| Q4 24 | $-0.54 | $-0.14 | ||
| Q3 24 | $1.06 | $-0.15 | ||
| Q2 24 | $0.86 | $-0.33 | ||
| Q1 24 | $0.42 | $0.34 |
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 | $167.9M |
| 总债务越低越好 | $17.1B | — |
| 股东权益账面价值 | $15.5B | $-302.0M |
| 总资产 | $196.0B | $465.9M |
| 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ALLYESPR
| Q4 25 | $10.0B | $167.9M | ||
| Q3 25 | $10.2B | $92.4M | ||
| Q2 25 | $10.6B | $86.1M | ||
| Q1 25 | $10.4B | $114.6M | ||
| Q4 24 | $10.3B | $144.8M | ||
| Q3 24 | $8.6B | $144.7M | ||
| Q2 24 | $7.4B | $189.3M | ||
| Q1 24 | $8.2B | $226.6M |
总债务ALLYESPR
| 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ALLYESPR
| Q4 25 | $15.5B | $-302.0M | ||
| Q3 25 | $15.1B | $-451.4M | ||
| Q2 25 | $14.5B | $-433.5M | ||
| Q1 25 | $14.2B | $-426.2M | ||
| Q4 24 | $13.9B | $-388.7M | ||
| Q3 24 | $14.7B | $-370.2M | ||
| Q2 24 | $13.9B | $-344.2M | ||
| Q1 24 | $13.7B | $-294.3M |
总资产ALLYESPR
| Q4 25 | $196.0B | $465.9M | ||
| Q3 25 | $191.7B | $364.0M | ||
| Q2 25 | $189.5B | $347.1M | ||
| Q1 25 | $193.3B | $324.0M | ||
| Q4 24 | $191.8B | $343.8M | ||
| Q3 24 | $193.0B | $314.1M | ||
| Q2 24 | $192.5B | $352.3M | ||
| Q1 24 | $192.9B | $373.1M |
负债/权益比ALLYESPR
| 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 | $45.2M |
| 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 | — | 0.0% |
| 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ALLYESPR
| Q4 25 | $640.0M | $45.2M | ||
| Q3 25 | $1.2B | $-4.3M | ||
| Q2 25 | $947.0M | $-31.4M | ||
| Q1 25 | $940.0M | $-22.6M | ||
| Q4 24 | $620.0M | $-35.0M | ||
| Q3 24 | $992.0M | $-35.3M | ||
| Q2 24 | $1.6B | $-7.2M | ||
| Q1 24 | $1.3B | $53.8M |
自由现金流ALLYESPR
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $-35.5M | ||
| Q2 24 | — | $-7.3M | ||
| Q1 24 | — | $53.8M |
自由现金流率ALLYESPR
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | -68.7% | ||
| Q2 24 | — | -9.9% | ||
| Q1 24 | — | 39.0% |
资本支出强度ALLYESPR
| Q4 25 | — | 0.0% | ||
| Q3 25 | — | 0.0% | ||
| Q2 25 | — | 0.0% | ||
| Q1 25 | — | 0.0% | ||
| Q4 24 | — | 0.0% | ||
| Q3 24 | — | 0.3% | ||
| Q2 24 | — | 0.1% | ||
| Q1 24 | — | 0.1% |
现金转化率ALLYESPR
| Q4 25 | 1.96× | — | ||
| Q3 25 | 3.02× | — | ||
| Q2 25 | 2.69× | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 2.78× | — | ||
| Q2 24 | 5.36× | — | ||
| Q1 24 | 8.54× | 0.88× |
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% |
ESPR
| Collaboration Revenue | $124.7M | 74% |
| Products | $43.7M | 26% |
