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Ally Financial Inc.（ALLY）与FIRST CITIZENS BANCSHARES INC（FCNCA）财务数据对比。点击上方公司名可切换其他公司
FIRST CITIZENS BANCSHARES INC的季度营收约是Ally Financial Inc.的3.6倍（$1.1B vs $301.0M）。Ally Financial Inc.净利率更高（108.6% vs 49.1%，领先59.5%）。FIRST CITIZENS BANCSHARES INC同比增速更快（3.5% vs -3.2%）。过去两年Ally Financial Inc.的营收复合增速更高（11.1% vs -33.5%）
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。
第一公民银行控股公司是美国本土银行控股企业，总部位于罗德岛州普罗维登斯，旗下拥有国民公民银行，业务覆盖美国康涅狄格、特拉华、佛罗里达、马里兰、马萨诸塞、密歇根、新罕布什尔、新泽西、纽约、俄亥俄、宾夕法尼亚、罗德岛、佛蒙特、弗吉尼亚等14个州及华盛顿哥伦比亚特区。
ALLY vs FCNCA — 直观对比
营收规模更大
FCNCA
是对方的3.6倍
$301.0M
营收增速更快
FCNCA
高出6.7%
-3.2%
净利率更高
ALLY
高出59.5%
49.1%
两年增速更快
ALLY
近两年复合增速
-33.5%
损益表 — Q4 2025 vs Q1 2026
| 指标 | | |
|---|---|---|
| 营收 | $301.0M | $1.1B |
| 净利润 | $327.0M | $534.0M |
| 毛利率 | — | — |
| 营业利润率 | — | — |
| 净利率 | 108.6% | 49.1% |
| 营收同比 | -3.2% | 3.5% |
| 净利润同比 | 333.6% | 10.6% |
| 每股收益（稀释后） | $0.97 | $42.63 |
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ALLYFCNCA
| Q1 26 | — | $1.1B | ||
| Q4 25 | $301.0M | $2.4B | ||
| Q3 25 | $308.0M | $2.4B | ||
| Q2 25 | $312.0M | $2.4B | ||
| Q1 25 | $323.0M | $2.3B | ||
| Q4 24 | $311.0M | $2.4B | ||
| Q3 24 | $319.0M | $2.4B | ||
| Q2 24 | $324.0M | $2.5B |
净利润ALLYFCNCA
| Q1 26 | — | $534.0M | ||
| Q4 25 | $327.0M | $580.0M | ||
| Q3 25 | $398.0M | $568.0M | ||
| Q2 25 | $352.0M | $575.0M | ||
| Q1 25 | $-225.0M | $483.0M | ||
| Q4 24 | $-140.0M | $700.0M | ||
| Q3 24 | $357.0M | $639.0M | ||
| Q2 24 | $294.0M | $707.0M |
营业利润率ALLYFCNCA
| Q1 26 | — | — | ||
| Q4 25 | — | 33.3% | ||
| Q3 25 | — | 30.9% | ||
| Q2 25 | — | 31.9% | ||
| Q1 25 | -87.9% | 28.3% | ||
| Q4 24 | 56.3% | 30.6% | ||
| Q3 24 | 73.0% | 35.7% | ||
| Q2 24 | 79.3% | 39.8% |
净利率ALLYFCNCA
| Q1 26 | — | 49.1% | ||
| Q4 25 | 108.6% | 23.8% | ||
| Q3 25 | 129.2% | 23.3% | ||
| Q2 25 | 112.8% | 24.2% | ||
| Q1 25 | -69.7% | 21.0% | ||
| Q4 24 | -45.0% | 29.1% | ||
| Q3 24 | 111.9% | 26.1% | ||
| Q2 24 | 90.7% | 28.7% |
每股收益（稀释后）ALLYFCNCA
| Q1 26 | — | $42.63 | ||
| Q4 25 | $0.97 | $45.33 | ||
| Q3 25 | $1.18 | $43.08 | ||
| Q2 25 | $1.04 | $42.36 | ||
| Q1 25 | $-0.82 | $34.47 | ||
| Q4 24 | $-0.54 | $49.19 | ||
| Q3 24 | $1.06 | $43.42 | ||
| Q2 24 | $0.86 | $47.54 |
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 | $34.0B |
| 股东权益账面价值 | $15.5B | $22.0B |
| 总资产 | $196.0B | $236.0B |
| 负债/权益比越低杠杆越低 | 1.10× | 1.54× |
8季度趋势，按日历期对齐
现金及短期投资ALLYFCNCA
| Q1 26 | — | — | ||
| Q4 25 | $10.0B | — | ||
| Q3 25 | $10.2B | — | ||
| Q2 25 | $10.6B | — | ||
| Q1 25 | $10.4B | — | ||
| Q4 24 | $10.3B | — | ||
| Q3 24 | $8.6B | — | ||
| Q2 24 | $7.4B | — |
总债务ALLYFCNCA
| Q1 26 | — | $34.0B | ||
| Q4 25 | $17.1B | $35.8B | ||
| Q3 25 | $16.7B | $38.3B | ||
| Q2 25 | $15.9B | $37.6B | ||
| Q1 25 | $16.5B | $38.0B | ||
| Q4 24 | $17.5B | $36.7B | ||
| Q3 24 | $16.8B | $36.8B | ||
| Q2 24 | $16.0B | $37.1B |
股东权益ALLYFCNCA
| Q1 26 | — | $22.0B | ||
| Q4 25 | $15.5B | $22.2B | ||
| Q3 25 | $15.1B | $22.0B | ||
| Q2 25 | $14.5B | $22.3B | ||
| Q1 25 | $14.2B | $22.3B | ||
| Q4 24 | $13.9B | $22.2B | ||
| Q3 24 | $14.7B | $22.8B | ||
| Q2 24 | $13.9B | $22.5B |
总资产ALLYFCNCA
| Q1 26 | — | $236.0B | ||
| Q4 25 | $196.0B | $229.7B | ||
| Q3 25 | $191.7B | $233.5B | ||
| Q2 25 | $189.5B | $229.7B | ||
| Q1 25 | $193.3B | $228.8B | ||
| Q4 24 | $191.8B | $223.7B | ||
| Q3 24 | $193.0B | $220.6B | ||
| Q2 24 | $192.5B | $219.8B |
负债/权益比ALLYFCNCA
| Q1 26 | — | 1.54× | ||
| Q4 25 | 1.10× | 1.61× | ||
| Q3 25 | 1.11× | 1.74× | ||
| Q2 25 | 1.09× | 1.69× | ||
| Q1 25 | 1.16× | 1.70× | ||
| Q4 24 | 1.26× | 1.65× | ||
| Q3 24 | 1.14× | 1.61× | ||
| Q2 24 | 1.15× | 1.65× |
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ALLYFCNCA
| Q1 26 | — | — | ||
| Q4 25 | $640.0M | $1.1B | ||
| Q3 25 | $1.2B | $916.0M | ||
| Q2 25 | $947.0M | $859.0M | ||
| Q1 25 | $940.0M | $98.0M | ||
| Q4 24 | $620.0M | $1.1B | ||
| Q3 24 | $992.0M | $991.0M | ||
| Q2 24 | $1.6B | $417.0M |
自由现金流ALLYFCNCA
| Q1 26 | — | — | ||
| Q4 25 | — | $807.0M | ||
| Q3 25 | — | $678.0M | ||
| Q2 25 | — | $733.0M | ||
| Q1 25 | — | $-5.0M | ||
| Q4 24 | — | $991.0M | ||
| Q3 24 | — | $885.0M | ||
| Q2 24 | — | $316.0M |
自由现金流率ALLYFCNCA
| Q1 26 | — | — | ||
| Q4 25 | — | 33.1% | ||
| Q3 25 | — | 27.9% | ||
| Q2 25 | — | 30.9% | ||
| Q1 25 | — | -0.2% | ||
| Q4 24 | — | 41.2% | ||
| Q3 24 | — | 36.2% | ||
| Q2 24 | — | 12.8% |
资本支出强度ALLYFCNCA
| Q1 26 | — | — | ||
| Q4 25 | — | 10.0% | ||
| Q3 25 | — | 9.8% | ||
| Q2 25 | — | 5.3% | ||
| Q1 25 | — | 4.5% | ||
| Q4 24 | — | 5.3% | ||
| Q3 24 | — | 4.3% | ||
| Q2 24 | — | 4.1% |
现金转化率ALLYFCNCA
| Q1 26 | — | — | ||
| Q4 25 | 1.96× | 1.81× | ||
| Q3 25 | 3.02× | 1.61× | ||
| Q2 25 | 2.69× | 1.49× | ||
| Q1 25 | — | 0.20× | ||
| Q4 24 | — | 1.60× | ||
| Q3 24 | 2.78× | 1.55× | ||
| Q2 24 | 5.36× | 0.59× |
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% |
FCNCA
暂无分部数据
