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Ally Financial Inc.（ALLY）与富邦金控（FBK）财务数据对比。点击上方公司名可切换其他公司
Ally Financial Inc.的季度营收约是富邦金控的1.7倍（$301.0M vs $178.6M），Ally Financial Inc.净利率更高（108.6% vs 31.9%，领先76.7%），富邦金控同比增速更快（37.0% vs -3.2%），过去两年富邦金控的营收复合增速更高（28.9% 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。
富邦金融控股股份有限公司是一家金融投资控股企业，旗下核心子公司涵盖富邦投信、富邦产险、富邦证券、富邦银行、富邦人寿、富邦华一银行及富邦银行（香港）等，集团于2001年12月19日正式成立，可为客户提供覆盖全业态的综合金融服务。
ALLY vs FBK — 直观对比
营收规模更大
ALLY
是对方的1.7倍
$178.6M
营收增速更快
FBK
高出40.2%
-3.2%
净利率更高
ALLY
高出76.7%
31.9%
两年增速更快
FBK
近两年复合增速
11.1%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $301.0M | $178.6M |
| 净利润 | $327.0M | $57.0M |
| 毛利率 | — | — |
| 营业利润率 | — | 39.1% |
| 净利率 | 108.6% | 31.9% |
| 营收同比 | -3.2% | 37.0% |
| 净利润同比 | 333.6% | 50.4% |
| 每股收益（稀释后） | $0.97 | $1.12 |
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ALLYFBK
| Q4 25 | $301.0M | $178.6M | ||
| Q3 25 | $308.0M | $173.9M | ||
| Q2 25 | $312.0M | $76.9M | ||
| Q1 25 | $323.0M | $130.7M | ||
| Q4 24 | $311.0M | $130.4M | ||
| Q3 24 | $319.0M | $89.5M | ||
| Q2 24 | $324.0M | $128.2M | ||
| Q1 24 | $244.0M | $107.5M |
净利润ALLYFBK
| Q4 25 | $327.0M | $57.0M | ||
| Q3 25 | $398.0M | $23.4M | ||
| Q2 25 | $352.0M | $2.9M | ||
| Q1 25 | $-225.0M | $39.4M | ||
| Q4 24 | $-140.0M | $37.9M | ||
| Q3 24 | $357.0M | $10.2M | ||
| Q2 24 | $294.0M | $40.0M | ||
| Q1 24 | $157.0M | $27.9M |
营业利润率ALLYFBK
| Q4 25 | — | 39.1% | ||
| Q3 25 | — | 17.0% | ||
| Q2 25 | — | -12.7% | ||
| Q1 25 | -87.9% | 37.4% | ||
| Q4 24 | 56.3% | 38.4% | ||
| Q3 24 | 73.0% | 12.7% | ||
| Q2 24 | 79.3% | 39.7% | ||
| Q1 24 | 70.1% | 31.9% |
净利率ALLYFBK
| Q4 25 | 108.6% | 31.9% | ||
| Q3 25 | 129.2% | 13.4% | ||
| Q2 25 | 112.8% | 3.8% | ||
| Q1 25 | -69.7% | 30.1% | ||
| Q4 24 | -45.0% | 29.1% | ||
| Q3 24 | 111.9% | 11.4% | ||
| Q2 24 | 90.7% | 31.2% | ||
| Q1 24 | 64.3% | 26.0% |
每股收益（稀释后）ALLYFBK
| Q4 25 | $0.97 | $1.12 | ||
| Q3 25 | $1.18 | $0.43 | ||
| Q2 25 | $1.04 | $0.06 | ||
| Q1 25 | $-0.82 | $0.84 | ||
| Q4 24 | $-0.54 | $0.82 | ||
| Q3 24 | $1.06 | $0.22 | ||
| Q2 24 | $0.86 | $0.85 | ||
| Q1 24 | $0.42 | $0.59 |
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 | $1.2B |
| 总债务越低越好 | $17.1B | $212.8M |
| 股东权益账面价值 | $15.5B | $1.9B |
| 总资产 | $196.0B | $16.3B |
| 负债/权益比越低杠杆越低 | 1.10× | 0.11× |
8季度趋势，按日历期对齐
现金及短期投资ALLYFBK
| Q4 25 | $10.0B | $1.2B | ||
| Q3 25 | $10.2B | $1.3B | ||
| Q2 25 | $10.6B | $1.2B | ||
| Q1 25 | $10.4B | $794.7M | ||
| Q4 24 | $10.3B | $1.0B | ||
| Q3 24 | $8.6B | $951.8M | ||
| Q2 24 | $7.4B | $800.9M | ||
| Q1 24 | $8.2B | $870.7M |
总债务ALLYFBK
| Q4 25 | $17.1B | $212.8M | ||
| Q3 25 | $16.7B | $213.6M | ||
| Q2 25 | $15.9B | — | ||
| Q1 25 | $16.5B | — | ||
| Q4 24 | $17.5B | $176.8M | ||
| Q3 24 | $16.8B | — | ||
| Q2 24 | $16.0B | — | ||
| Q1 24 | $17.0B | — |
股东权益ALLYFBK
| Q4 25 | $15.5B | $1.9B | ||
| Q3 25 | $15.1B | $2.0B | ||
| Q2 25 | $14.5B | $1.6B | ||
| Q1 25 | $14.2B | $1.6B | ||
| Q4 24 | $13.9B | $1.6B | ||
| Q3 24 | $14.7B | $1.6B | ||
| Q2 24 | $13.9B | $1.5B | ||
| Q1 24 | $13.7B | $1.5B |
总资产ALLYFBK
| Q4 25 | $196.0B | $16.3B | ||
| Q3 25 | $191.7B | $16.2B | ||
| Q2 25 | $189.5B | $13.4B | ||
| Q1 25 | $193.3B | $13.1B | ||
| Q4 24 | $191.8B | $13.2B | ||
| Q3 24 | $193.0B | $12.9B | ||
| Q2 24 | $192.5B | $12.5B | ||
| Q1 24 | $192.9B | $12.5B |
负债/权益比ALLYFBK
| Q4 25 | 1.10× | 0.11× | ||
| Q3 25 | 1.11× | 0.11× | ||
| Q2 25 | 1.09× | — | ||
| Q1 25 | 1.16× | — | ||
| Q4 24 | 1.26× | 0.11× | ||
| 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 | $155.9M |
| 自由现金流经营现金流 - 资本支出 | — | $147.0M |
| 自由现金流率自由现金流/营收 | — | 82.3% |
| 资本支出强度资本支出/营收 | — | 5.0% |
| 现金转化率经营现金流/净利润 | 1.96× | 2.74× |
| 过去12个月自由现金流最近4个季度 | — | $242.8M |
8季度趋势，按日历期对齐
经营现金流ALLYFBK
| Q4 25 | $640.0M | $155.9M | ||
| Q3 25 | $1.2B | $47.7M | ||
| Q2 25 | $947.0M | $71.8M | ||
| Q1 25 | $940.0M | $-16.5M | ||
| Q4 24 | $620.0M | $138.8M | ||
| Q3 24 | $992.0M | $57.8M | ||
| Q2 24 | $1.6B | $30.6M | ||
| Q1 24 | $1.3B | $36.3M |
自由现金流ALLYFBK
| Q4 25 | — | $147.0M | ||
| Q3 25 | — | $45.6M | ||
| Q2 25 | — | $68.4M | ||
| Q1 25 | — | $-18.1M | ||
| Q4 24 | — | $132.3M | ||
| Q3 24 | — | $56.7M | ||
| Q2 24 | — | $28.4M | ||
| Q1 24 | — | $34.6M |
自由现金流率ALLYFBK
| Q4 25 | — | 82.3% | ||
| Q3 25 | — | 26.2% | ||
| Q2 25 | — | 89.0% | ||
| Q1 25 | — | -13.9% | ||
| Q4 24 | — | 101.4% | ||
| Q3 24 | — | 63.3% | ||
| Q2 24 | — | 22.1% | ||
| Q1 24 | — | 32.2% |
资本支出强度ALLYFBK
| Q4 25 | — | 5.0% | ||
| Q3 25 | — | 1.2% | ||
| Q2 25 | — | 4.4% | ||
| Q1 25 | — | 1.3% | ||
| Q4 24 | — | 5.0% | ||
| Q3 24 | — | 1.2% | ||
| Q2 24 | — | 1.7% | ||
| Q1 24 | — | 1.5% |
现金转化率ALLYFBK
| Q4 25 | 1.96× | 2.74× | ||
| Q3 25 | 3.02× | 2.04× | ||
| Q2 25 | 2.69× | 24.68× | ||
| Q1 25 | — | -0.42× | ||
| Q4 24 | — | 3.66× | ||
| Q3 24 | 2.78× | 5.65× | ||
| Q2 24 | 5.36× | 0.77× | ||
| Q1 24 | 8.54× | 1.30× |
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% |
FBK
暂无分部数据
