vs
Ally Financial Inc.（ALLY）与FirstCash Holdings, Inc.（FCFS）财务数据对比。点击上方公司名可切换其他公司
FirstCash Holdings, Inc.的季度营收约是Ally Financial Inc.的1.7倍（$501.3M vs $301.0M），Ally Financial Inc.净利率更高（108.6% vs 20.8%，领先87.9%），FirstCash Holdings, Inc.同比增速更快（21.2% vs -3.2%），过去两年FirstCash Holdings, Inc.的营收复合增速更高（16.9% 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。
FirstCash Holdings, Inc.是总部位于美国得克萨斯州沃斯堡的典当企业，在美国及拉丁美洲多地运营线下典当零售门店，为纳斯达克证券交易所公开上市企业，在美洲典当服务领域拥有成熟的业务布局与完善的运营网络。
ALLY vs FCFS — 直观对比
营收规模更大
FCFS
是对方的1.7倍
$301.0M
营收增速更快
FCFS
高出24.4%
-3.2%
净利率更高
ALLY
高出87.9%
20.8%
两年增速更快
FCFS
近两年复合增速
11.1%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $301.0M | $501.3M |
| 净利润 | $327.0M | $104.2M |
| 毛利率 | — | — |
| 营业利润率 | — | 28.5% |
| 净利率 | 108.6% | 20.8% |
| 营收同比 | -3.2% | 21.2% |
| 净利润同比 | 333.6% | 24.7% |
| 每股收益（稀释后） | $0.97 | $2.35 |
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ALLYFCFS
| Q4 25 | $301.0M | $501.3M | ||
| Q3 25 | $308.0M | $411.0M | ||
| Q2 25 | $312.0M | $385.1M | ||
| Q1 25 | $323.0M | $371.1M | ||
| Q4 24 | $311.0M | $413.7M | ||
| Q3 24 | $319.0M | $363.1M | ||
| Q2 24 | $324.0M | $363.5M | ||
| Q1 24 | $244.0M | $366.8M |
净利润ALLYFCFS
| Q4 25 | $327.0M | $104.2M | ||
| Q3 25 | $398.0M | $82.8M | ||
| Q2 25 | $352.0M | $59.8M | ||
| Q1 25 | $-225.0M | $83.6M | ||
| Q4 24 | $-140.0M | $83.5M | ||
| Q3 24 | $357.0M | $64.8M | ||
| Q2 24 | $294.0M | $49.1M | ||
| Q1 24 | $157.0M | $61.4M |
营业利润率ALLYFCFS
| Q4 25 | — | 28.5% | ||
| Q3 25 | — | 27.4% | ||
| Q2 25 | — | 21.1% | ||
| Q1 25 | -87.9% | 30.0% | ||
| Q4 24 | 56.3% | 26.5% | ||
| Q3 24 | 73.0% | 23.5% | ||
| Q2 24 | 79.3% | 18.2% | ||
| Q1 24 | 70.1% | 22.3% |
净利率ALLYFCFS
| Q4 25 | 108.6% | 20.8% | ||
| Q3 25 | 129.2% | 20.1% | ||
| Q2 25 | 112.8% | 15.5% | ||
| Q1 25 | -69.7% | 22.5% | ||
| Q4 24 | -45.0% | 20.2% | ||
| Q3 24 | 111.9% | 17.9% | ||
| Q2 24 | 90.7% | 13.5% | ||
| Q1 24 | 64.3% | 16.7% |
每股收益（稀释后）ALLYFCFS
| Q4 25 | $0.97 | $2.35 | ||
| Q3 25 | $1.18 | $1.86 | ||
| Q2 25 | $1.04 | $1.34 | ||
| Q1 25 | $-0.82 | $1.87 | ||
| Q4 24 | $-0.54 | $1.86 | ||
| Q3 24 | $1.06 | $1.44 | ||
| Q2 24 | $0.86 | $1.08 | ||
| Q1 24 | $0.42 | $1.35 |
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 | $125.2M |
| 总债务越低越好 | $17.1B | $2.2B |
| 股东权益账面价值 | $15.5B | $2.3B |
| 总资产 | $196.0B | $5.3B |
| 负债/权益比越低杠杆越低 | 1.10× | 0.98× |
8季度趋势，按日历期对齐
现金及短期投资ALLYFCFS
| Q4 25 | $10.0B | $125.2M | ||
| Q3 25 | $10.2B | $130.2M | ||
| Q2 25 | $10.6B | $101.5M | ||
| Q1 25 | $10.4B | $146.0M | ||
| Q4 24 | $10.3B | $175.1M | ||
| Q3 24 | $8.6B | $106.3M | ||
| Q2 24 | $7.4B | $113.7M | ||
| Q1 24 | $8.2B | $135.1M |
总债务ALLYFCFS
| Q4 25 | $17.1B | $2.2B | ||
| Q3 25 | $16.7B | $2.2B | ||
| Q2 25 | $15.9B | $1.7B | ||
| Q1 25 | $16.5B | $1.7B | ||
| Q4 24 | $17.5B | $1.7B | ||
| Q3 24 | $16.8B | $1.7B | ||
| Q2 24 | $16.0B | $1.7B | ||
| Q1 24 | $17.0B | $1.5B |
股东权益ALLYFCFS
| Q4 25 | $15.5B | $2.3B | ||
| Q3 25 | $15.1B | $2.2B | ||
| Q2 25 | $14.5B | $2.1B | ||
| Q1 25 | $14.2B | $2.1B | ||
| Q4 24 | $13.9B | $2.1B | ||
| Q3 24 | $14.7B | $2.0B | ||
| Q2 24 | $13.9B | $2.0B | ||
| Q1 24 | $13.7B | $2.0B |
总资产ALLYFCFS
| Q4 25 | $196.0B | $5.3B | ||
| Q3 25 | $191.7B | $5.2B | ||
| Q2 25 | $189.5B | $4.5B | ||
| Q1 25 | $193.3B | $4.4B | ||
| Q4 24 | $191.8B | $4.5B | ||
| Q3 24 | $193.0B | $4.4B | ||
| Q2 24 | $192.5B | $4.3B | ||
| Q1 24 | $192.9B | $4.2B |
负债/权益比ALLYFCFS
| Q4 25 | 1.10× | 0.98× | ||
| Q3 25 | 1.11× | 1.01× | ||
| Q2 25 | 1.09× | 0.79× | ||
| Q1 25 | 1.16× | 0.83× | ||
| Q4 24 | 1.26× | 0.85× | ||
| Q3 24 | 1.14× | 0.87× | ||
| Q2 24 | 1.15× | 0.85× | ||
| Q1 24 | 1.25× | 0.75× |
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 | $206.6M |
| 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× | 1.98× |
| 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ALLYFCFS
| Q4 25 | $640.0M | $206.6M | ||
| Q3 25 | $1.2B | $135.8M | ||
| Q2 25 | $947.0M | $116.9M | ||
| Q1 25 | $940.0M | $126.6M | ||
| Q4 24 | $620.0M | $198.1M | ||
| Q3 24 | $992.0M | $113.1M | ||
| Q2 24 | $1.6B | $106.2M | ||
| Q1 24 | $1.3B | $122.5M |
现金转化率ALLYFCFS
| Q4 25 | 1.96× | 1.98× | ||
| Q3 25 | 3.02× | 1.64× | ||
| Q2 25 | 2.69× | 1.95× | ||
| Q1 25 | — | 1.51× | ||
| Q4 24 | — | 2.37× | ||
| Q3 24 | 2.78× | 1.74× | ||
| Q2 24 | 5.36× | 2.16× | ||
| Q1 24 | 8.54× | 2.00× |
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% |
FCFS
| US Pawn Segment | $292.2M | 58% |
| Retail POS Payment Solutions | $209.8M | 42% |
