vs
Ally Financial Inc.（ALLY）与EAGLE MATERIALS INC（EXP）财务数据对比。点击上方公司名可切换其他公司
EAGLE MATERIALS INC的季度营收约是Ally Financial Inc.的1.8倍（$556.0M vs $301.0M），Ally Financial Inc.净利率更高（108.6% vs 18.5%，领先90.1%），EAGLE MATERIALS INC同比增速更快（-0.4% vs -3.2%），过去两年Ally Financial Inc.的营收复合增速更高（11.1% vs 8.0%）
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。
Eagle Materials Inc.是总部位于美国得克萨斯州达拉斯的建筑材料生产企业，主营产品包括水泥、混凝土、建筑骨料、石膏、墙板、纸板以及水力压裂作业专用砂，产品广泛应用于建筑施工、能源开发等多个领域。
ALLY vs EXP — 直观对比
营收规模更大
EXP
是对方的1.8倍
$301.0M
营收增速更快
EXP
高出2.8%
-3.2%
净利率更高
ALLY
高出90.1%
18.5%
两年增速更快
ALLY
近两年复合增速
8.0%
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $301.0M | $556.0M |
| 净利润 | $327.0M | $102.9M |
| 毛利率 | — | 28.9% |
| 营业利润率 | — | — |
| 净利率 | 108.6% | 18.5% |
| 营收同比 | -3.2% | -0.4% |
| 净利润同比 | 333.6% | -13.9% |
| 每股收益（稀释后） | $0.97 | $3.22 |
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ALLYEXP
| Q4 25 | $301.0M | $556.0M | ||
| Q3 25 | $308.0M | $638.9M | ||
| Q2 25 | $312.0M | $634.7M | ||
| Q1 25 | $323.0M | $470.2M | ||
| Q4 24 | $311.0M | $558.0M | ||
| Q3 24 | $319.0M | $623.6M | ||
| Q2 24 | $324.0M | $608.7M | ||
| Q1 24 | $244.0M | $476.7M |
净利润ALLYEXP
| Q4 25 | $327.0M | $102.9M | ||
| Q3 25 | $398.0M | $137.4M | ||
| Q2 25 | $352.0M | $123.4M | ||
| Q1 25 | $-225.0M | $66.5M | ||
| Q4 24 | $-140.0M | $119.6M | ||
| Q3 24 | $357.0M | $143.5M | ||
| Q2 24 | $294.0M | $133.8M | ||
| Q1 24 | $157.0M | $77.1M |
毛利率ALLYEXP
| Q4 25 | — | 28.9% | ||
| Q3 25 | — | 31.3% | ||
| Q2 25 | — | 29.2% | ||
| Q1 25 | — | 22.2% | ||
| Q4 24 | — | 31.9% | ||
| Q3 24 | — | 32.7% | ||
| Q2 24 | — | 30.7% | ||
| Q1 24 | — | 25.1% |
营业利润率ALLYEXP
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | -87.9% | — | ||
| Q4 24 | 56.3% | 32.8% | ||
| Q3 24 | 73.0% | 34.2% | ||
| Q2 24 | 79.3% | 32.0% | ||
| Q1 24 | 70.1% | 26.9% |
净利率ALLYEXP
| Q4 25 | 108.6% | 18.5% | ||
| Q3 25 | 129.2% | 21.5% | ||
| Q2 25 | 112.8% | 19.4% | ||
| Q1 25 | -69.7% | 14.1% | ||
| Q4 24 | -45.0% | 21.4% | ||
| Q3 24 | 111.9% | 23.0% | ||
| Q2 24 | 90.7% | 22.0% | ||
| Q1 24 | 64.3% | 16.2% |
每股收益（稀释后）ALLYEXP
| Q4 25 | $0.97 | $3.22 | ||
| Q3 25 | $1.18 | $4.23 | ||
| Q2 25 | $1.04 | $3.76 | ||
| Q1 25 | $-0.82 | $2.01 | ||
| Q4 24 | $-0.54 | $3.56 | ||
| Q3 24 | $1.06 | $4.26 | ||
| Q2 24 | $0.86 | $3.94 | ||
| Q1 24 | $0.42 | $2.23 |
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 | $419.0M |
| 总债务越低越好 | $17.1B | — |
| 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× | — |
8季度趋势，按日历期对齐
现金及短期投资ALLYEXP
| Q4 25 | $10.0B | $419.0M | ||
| Q3 25 | $10.2B | $35.0M | ||
| Q2 25 | $10.6B | $59.7M | ||
| Q1 25 | $10.4B | $20.4M | ||
| Q4 24 | $10.3B | $31.2M | ||
| Q3 24 | $8.6B | $93.9M | ||
| Q2 24 | $7.4B | $46.5M | ||
| Q1 24 | $8.2B | $34.9M |
总债务ALLYEXP
| Q4 25 | $17.1B | — | ||
| Q3 25 | $16.7B | — | ||
| Q2 25 | $15.9B | — | ||
| Q1 25 | $16.5B | $1.2B | ||
| Q4 24 | $17.5B | — | ||
| Q3 24 | $16.8B | — | ||
| Q2 24 | $16.0B | — | ||
| Q1 24 | $17.0B | $1.1B |
股东权益ALLYEXP
| Q4 25 | $15.5B | $1.5B | ||
| Q3 25 | $15.1B | $1.5B | ||
| Q2 25 | $14.5B | $1.5B | ||
| Q1 25 | $14.2B | $1.5B | ||
| Q4 24 | $13.9B | $1.5B | ||
| Q3 24 | $14.7B | $1.4B | ||
| Q2 24 | $13.9B | $1.4B | ||
| Q1 24 | $13.7B | $1.3B |
总资产ALLYEXP
| Q4 25 | $196.0B | $3.8B | ||
| Q3 25 | $191.7B | $3.4B | ||
| Q2 25 | $189.5B | $3.4B | ||
| Q1 25 | $193.3B | $3.3B | ||
| Q4 24 | $191.8B | $3.0B | ||
| Q3 24 | $193.0B | $3.1B | ||
| Q2 24 | $192.5B | $3.0B | ||
| Q1 24 | $192.9B | $2.9B |
负债/权益比ALLYEXP
| Q4 25 | 1.10× | — | ||
| Q3 25 | 1.11× | — | ||
| Q2 25 | 1.09× | — | ||
| Q1 25 | 1.16× | 0.86× | ||
| Q4 24 | 1.26× | — | ||
| Q3 24 | 1.14× | — | ||
| Q2 24 | 1.15× | — | ||
| Q1 24 | 1.25× | 0.84× |
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 | $170.8M |
| 自由现金流经营现金流 - 资本支出 | — | $60.8M |
| 自由现金流率自由现金流/营收 | — | 10.9% |
| 资本支出强度资本支出/营收 | — | 19.8% |
| 现金转化率经营现金流/净利润 | 1.96× | 1.66× |
| 过去12个月自由现金流最近4个季度 | — | $231.8M |
8季度趋势，按日历期对齐
经营现金流ALLYEXP
| Q4 25 | $640.0M | $170.8M | ||
| Q3 25 | $1.2B | $204.6M | ||
| Q2 25 | $947.0M | $136.6M | ||
| Q1 25 | $940.0M | $62.8M | ||
| Q4 24 | $620.0M | $119.9M | ||
| Q3 24 | $992.0M | $233.3M | ||
| Q2 24 | $1.6B | $132.6M | ||
| Q1 24 | $1.3B | $63.4M |
自由现金流ALLYEXP
| Q4 25 | — | $60.8M | ||
| Q3 25 | — | $96.1M | ||
| Q2 25 | — | $60.5M | ||
| Q1 25 | — | $14.5M | ||
| Q4 24 | — | $72.5M | ||
| Q3 24 | — | $166.8M | ||
| Q2 24 | — | $99.5M | ||
| Q1 24 | — | $30.9M |
自由现金流率ALLYEXP
| Q4 25 | — | 10.9% | ||
| Q3 25 | — | 15.0% | ||
| Q2 25 | — | 9.5% | ||
| Q1 25 | — | 3.1% | ||
| Q4 24 | — | 13.0% | ||
| Q3 24 | — | 26.7% | ||
| Q2 24 | — | 16.3% | ||
| Q1 24 | — | 6.5% |
资本支出强度ALLYEXP
| Q4 25 | — | 19.8% | ||
| Q3 25 | — | 17.0% | ||
| Q2 25 | — | 12.0% | ||
| Q1 25 | — | 10.3% | ||
| Q4 24 | — | 8.5% | ||
| Q3 24 | — | 10.7% | ||
| Q2 24 | — | 5.4% | ||
| Q1 24 | — | 6.8% |
现金转化率ALLYEXP
| Q4 25 | 1.96× | 1.66× | ||
| Q3 25 | 3.02× | 1.49× | ||
| Q2 25 | 2.69× | 1.11× | ||
| Q1 25 | — | 0.94× | ||
| Q4 24 | — | 1.00× | ||
| Q3 24 | 2.78× | 1.63× | ||
| Q2 24 | 5.36× | 0.99× | ||
| Q1 24 | 8.54× | 0.82× |
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% |
EXP
| External Customers | $283.5M | 51% |
| Gypsum Wallboard | $175.9M | 32% |
| Recycled Paperboard | $47.8M | 9% |
| Corporate Joint Venture | $29.4M | 5% |
| Other | $11.8M | 2% |
| Western Pennsylvania Acquisition | $7.6M | 1% |
