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Ally Financial Inc.（ALLY）与华美银行集团（EWBC）财务数据对比。点击上方公司名可切换其他公司
华美银行集团的季度营收约是Ally Financial Inc.的2.6倍（$775.0M vs $301.0M）。Ally Financial Inc.净利率更高（108.6% vs 46.2%，领先62.4%）。华美银行集团同比增速更快（2.1% vs -3.2%）。过去两年华美银行集团的营收复合增速更高（18.4% 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。
华美银行集团旗下核心子公司为华美银行，是总部位于美国南加州的最大上市银行控股集团。集团资产规模超100亿美元，曾获评标普全球市场财智全美最佳银行，自2023年起连续三年位列《银行董事》杂志同资产规模银行绩效榜单首位。
ALLY vs EWBC — 直观对比
营收规模更大
EWBC
是对方的2.6倍
$301.0M
营收增速更快
EWBC
高出5.3%
-3.2%
净利率更高
ALLY
高出62.4%
46.2%
两年增速更快
EWBC
近两年复合增速
11.1%
损益表 — Q4 2025 vs Q1 2026
| 指标 | | |
|---|---|---|
| 营收 | $301.0M | $775.0M |
| 净利润 | $327.0M | $358.0M |
| 毛利率 | — | — |
| 营业利润率 | — | — |
| 净利率 | 108.6% | 46.2% |
| 营收同比 | -3.2% | 2.1% |
| 净利润同比 | 333.6% | 0.4% |
| 每股收益（稀释后） | $0.97 | $2.57 |
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ALLYEWBC
| Q1 26 | — | $775.0M | ||
| Q4 25 | $301.0M | $657.8M | ||
| Q3 25 | $308.0M | $677.5M | ||
| Q2 25 | $312.0M | $617.1M | ||
| Q1 25 | $323.0M | $600.2M | ||
| Q4 24 | $311.0M | $587.6M | ||
| Q3 24 | $319.0M | $572.7M | ||
| Q2 24 | $324.0M | $553.2M |
净利润ALLYEWBC
| Q1 26 | — | $358.0M | ||
| Q4 25 | $327.0M | $356.3M | ||
| Q3 25 | $398.0M | $368.4M | ||
| Q2 25 | $352.0M | $310.3M | ||
| Q1 25 | $-225.0M | $290.3M | ||
| Q4 24 | $-140.0M | $293.1M | ||
| Q3 24 | $357.0M | $299.2M | ||
| Q2 24 | $294.0M | $288.2M |
营业利润率ALLYEWBC
| Q1 26 | — | — | ||
| Q4 25 | — | 71.0% | ||
| Q3 25 | — | 68.6% | ||
| Q2 25 | — | 65.2% | ||
| Q1 25 | -87.9% | 65.2% | ||
| Q4 24 | 56.3% | 60.6% | ||
| Q3 24 | 73.0% | 68.0% | ||
| Q2 24 | 79.3% | 65.9% |
净利率ALLYEWBC
| Q1 26 | — | 46.2% | ||
| Q4 25 | 108.6% | 54.2% | ||
| Q3 25 | 129.2% | 54.4% | ||
| Q2 25 | 112.8% | 50.3% | ||
| Q1 25 | -69.7% | 48.4% | ||
| Q4 24 | -45.0% | 49.9% | ||
| Q3 24 | 111.9% | 52.2% | ||
| Q2 24 | 90.7% | 52.1% |
每股收益（稀释后）ALLYEWBC
| Q1 26 | — | $2.57 | ||
| Q4 25 | $0.97 | $2.55 | ||
| Q3 25 | $1.18 | $2.65 | ||
| Q2 25 | $1.04 | $2.24 | ||
| Q1 25 | $-0.82 | $2.08 | ||
| Q4 24 | $-0.54 | $2.10 | ||
| Q3 24 | $1.06 | $2.14 | ||
| Q2 24 | $0.86 | $2.06 |
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 | — |
| 股东权益账面价值 | $15.5B | $9.0B |
| 总资产 | $196.0B | $82.9B |
| 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ALLYEWBC
| Q1 26 | — | — | ||
| Q4 25 | $10.0B | $4.2B | ||
| Q3 25 | $10.2B | $4.7B | ||
| Q2 25 | $10.6B | $4.4B | ||
| Q1 25 | $10.4B | $3.4B | ||
| Q4 24 | $10.3B | $5.3B | ||
| Q3 24 | $8.6B | $4.9B | ||
| Q2 24 | $7.4B | $4.4B |
总债务ALLYEWBC
| Q1 26 | — | — | ||
| Q4 25 | $17.1B | $35.6M | ||
| Q3 25 | $16.7B | $35.7M | ||
| Q2 25 | $15.9B | $35.8M | ||
| Q1 25 | $16.5B | $35.9M | ||
| Q4 24 | $17.5B | $36.0M | ||
| Q3 24 | $16.8B | $36.1M | ||
| Q2 24 | $16.0B | $36.1M |
股东权益ALLYEWBC
| Q1 26 | — | $9.0B | ||
| Q4 25 | $15.5B | $8.9B | ||
| Q3 25 | $15.1B | $8.6B | ||
| Q2 25 | $14.5B | $8.2B | ||
| Q1 25 | $14.2B | $7.9B | ||
| Q4 24 | $13.9B | $7.7B | ||
| Q3 24 | $14.7B | $7.7B | ||
| Q2 24 | $13.9B | $7.2B |
总资产ALLYEWBC
| Q1 26 | — | $82.9B | ||
| Q4 25 | $196.0B | $80.4B | ||
| Q3 25 | $191.7B | $79.7B | ||
| Q2 25 | $189.5B | $78.2B | ||
| Q1 25 | $193.3B | $76.2B | ||
| Q4 24 | $191.8B | $76.0B | ||
| Q3 24 | $193.0B | $74.5B | ||
| Q2 24 | $192.5B | $72.5B |
负债/权益比ALLYEWBC
| Q1 26 | — | — | ||
| Q4 25 | 1.10× | 0.00× | ||
| Q3 25 | 1.11× | 0.00× | ||
| Q2 25 | 1.09× | 0.00× | ||
| Q1 25 | 1.16× | 0.00× | ||
| Q4 24 | 1.26× | 0.00× | ||
| Q3 24 | 1.14× | 0.00× | ||
| Q2 24 | 1.15× | 0.01× |
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 | — |
| 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ALLYEWBC
| Q1 26 | — | — | ||
| Q4 25 | $640.0M | $713.4M | ||
| Q3 25 | $1.2B | $231.7M | ||
| Q2 25 | $947.0M | $278.7M | ||
| Q1 25 | $940.0M | $277.9M | ||
| Q4 24 | $620.0M | $500.1M | ||
| Q3 24 | $992.0M | $386.1M | ||
| Q2 24 | $1.6B | $259.2M |
现金转化率ALLYEWBC
| Q1 26 | — | — | ||
| Q4 25 | 1.96× | 2.00× | ||
| Q3 25 | 3.02× | 0.63× | ||
| Q2 25 | 2.69× | 0.90× | ||
| Q1 25 | — | 0.96× | ||
| Q4 24 | — | 1.71× | ||
| Q3 24 | 2.78× | 1.29× | ||
| Q2 24 | 5.36× | 0.90× |
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% |
EWBC
暂无分部数据
