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Ally Financial Inc.（ALLY）与Fifth Third Bancorp（FITB）财务数据对比。点击上方公司名可切换其他公司
Fifth Third Bancorp的季度营收约是Ally Financial Inc.的5.1倍（$1.5B vs $301.0M）。Ally Financial Inc.净利率更高（108.6% vs 47.7%，领先60.9%）。Fifth Third Bancorp同比增速更快（6.4% vs -3.2%）。过去两年Fifth Third Bancorp的营收复合增速更高（218.3% 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。
Fifth Third Bancorp是总部位于美国俄亥俄州辛辛那提的银行控股集团，为美国大型银行之一，位列《财富》美国500强第321位。旗下银行在全美12个州共运营1087家分行及2400台自动柜员机，服务覆盖多区域市场。
ALLY vs FITB — 直观对比
营收规模更大
FITB
是对方的5.1倍
$301.0M
营收增速更快
FITB
高出9.6%
-3.2%
净利率更高
ALLY
高出60.9%
47.7%
两年增速更快
FITB
近两年复合增速
11.1%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $301.0M | $1.5B |
| 净利润 | $327.0M | $730.0M |
| 毛利率 | — | — |
| 营业利润率 | — | 59.7% |
| 净利率 | 108.6% | 47.7% |
| 营收同比 | -3.2% | 6.4% |
| 净利润同比 | 333.6% | 17.7% |
| 每股收益（稀释后） | $0.97 | $1.03 |
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ALLYFITB
| Q4 25 | $301.0M | $1.5B | ||
| Q3 25 | $308.0M | $1.5B | ||
| Q2 25 | $312.0M | $1.5B | ||
| Q1 25 | $323.0M | $1.4B | ||
| Q4 24 | $311.0M | $1.4B | ||
| Q3 24 | $319.0M | $161.0M | ||
| Q2 24 | $324.0M | $156.0M | ||
| Q1 24 | $244.0M | $151.0M |
净利润ALLYFITB
| Q4 25 | $327.0M | $730.0M | ||
| Q3 25 | $398.0M | $649.0M | ||
| Q2 25 | $352.0M | $628.0M | ||
| Q1 25 | $-225.0M | $515.0M | ||
| Q4 24 | $-140.0M | $620.0M | ||
| Q3 24 | $357.0M | $573.0M | ||
| Q2 24 | $294.0M | $601.0M | ||
| Q1 24 | $157.0M | $520.0M |
营业利润率ALLYFITB
| Q4 25 | — | 59.7% | ||
| Q3 25 | — | 55.1% | ||
| Q2 25 | — | 54.0% | ||
| Q1 25 | -87.9% | 45.4% | ||
| Q4 24 | 56.3% | 53.3% | ||
| Q3 24 | 73.0% | — | ||
| Q2 24 | 79.3% | — | ||
| Q1 24 | 70.1% | — |
净利率ALLYFITB
| Q4 25 | 108.6% | 47.7% | ||
| Q3 25 | 129.2% | 42.7% | ||
| Q2 25 | 112.8% | 42.0% | ||
| Q1 25 | -69.7% | 35.8% | ||
| Q4 24 | -45.0% | 43.1% | ||
| Q3 24 | 111.9% | 355.9% | ||
| Q2 24 | 90.7% | 385.3% | ||
| Q1 24 | 64.3% | 344.4% |
每股收益（稀释后）ALLYFITB
| Q4 25 | $0.97 | $1.03 | ||
| Q3 25 | $1.18 | $0.91 | ||
| Q2 25 | $1.04 | $0.88 | ||
| Q1 25 | $-0.82 | $0.71 | ||
| Q4 24 | $-0.54 | $0.85 | ||
| Q3 24 | $1.06 | $0.78 | ||
| Q2 24 | $0.86 | $0.81 | ||
| Q1 24 | $0.42 | $0.70 |
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 | $13.6B |
| 股东权益账面价值 | $15.5B | $21.7B |
| 总资产 | $196.0B | $214.4B |
| 负债/权益比越低杠杆越低 | 1.10× | 0.63× |
8季度趋势，按日历期对齐
现金及短期投资ALLYFITB
| 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 | — | ||
| Q1 24 | $8.2B | — |
总债务ALLYFITB
| Q4 25 | $17.1B | $13.6B | ||
| Q3 25 | $16.7B | $13.7B | ||
| Q2 25 | $15.9B | $14.5B | ||
| Q1 25 | $16.5B | $14.5B | ||
| Q4 24 | $17.5B | $14.3B | ||
| Q3 24 | $16.8B | $17.1B | ||
| Q2 24 | $16.0B | $16.3B | ||
| Q1 24 | $17.0B | $15.4B |
股东权益ALLYFITB
| Q4 25 | $15.5B | $21.7B | ||
| Q3 25 | $15.1B | $21.1B | ||
| Q2 25 | $14.5B | $21.1B | ||
| Q1 25 | $14.2B | $20.4B | ||
| Q4 24 | $13.9B | $19.6B | ||
| Q3 24 | $14.7B | $20.8B | ||
| Q2 24 | $13.9B | $19.2B | ||
| Q1 24 | $13.7B | $19.0B |
总资产ALLYFITB
| Q4 25 | $196.0B | $214.4B | ||
| Q3 25 | $191.7B | $212.9B | ||
| Q2 25 | $189.5B | $210.0B | ||
| Q1 25 | $193.3B | $212.7B | ||
| Q4 24 | $191.8B | $212.9B | ||
| Q3 24 | $193.0B | $214.3B | ||
| Q2 24 | $192.5B | $213.3B | ||
| Q1 24 | $192.9B | $214.5B |
负债/权益比ALLYFITB
| Q4 25 | 1.10× | 0.63× | ||
| Q3 25 | 1.11× | 0.65× | ||
| Q2 25 | 1.09× | 0.69× | ||
| Q1 25 | 1.16× | 0.71× | ||
| Q4 24 | 1.26× | 0.73× | ||
| Q3 24 | 1.14× | 0.82× | ||
| Q2 24 | 1.15× | 0.85× | ||
| Q1 24 | 1.25× | 0.81× |
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 | $929.0M |
| 自由现金流经营现金流 - 资本支出 | — | $765.0M |
| 自由现金流率自由现金流/营收 | — | 50.0% |
| 资本支出强度资本支出/营收 | — | 10.7% |
| 现金转化率经营现金流/净利润 | 1.96× | 1.27× |
| 过去12个月自由现金流最近4个季度 | — | $3.9B |
8季度趋势，按日历期对齐
经营现金流ALLYFITB
| Q4 25 | $640.0M | $929.0M | ||
| Q3 25 | $1.2B | $1.0B | ||
| Q2 25 | $947.0M | $1.3B | ||
| Q1 25 | $940.0M | $1.2B | ||
| Q4 24 | $620.0M | $-101.0M | ||
| Q3 24 | $992.0M | $1.9B | ||
| Q2 24 | $1.6B | $679.0M | ||
| Q1 24 | $1.3B | $386.0M |
自由现金流ALLYFITB
| Q4 25 | — | $765.0M | ||
| Q3 25 | — | $886.0M | ||
| Q2 25 | — | $1.2B | ||
| Q1 25 | — | $1.1B | ||
| Q4 24 | — | $-246.0M | ||
| Q3 24 | — | $1.7B | ||
| Q2 24 | — | $588.0M | ||
| Q1 24 | — | $321.0M |
自由现金流率ALLYFITB
| Q4 25 | — | 50.0% | ||
| Q3 25 | — | 58.3% | ||
| Q2 25 | — | 77.8% | ||
| Q1 25 | — | 77.7% | ||
| Q4 24 | — | -17.1% | ||
| Q3 24 | — | 1085.1% | ||
| Q2 24 | — | 376.9% | ||
| Q1 24 | — | 212.6% |
资本支出强度ALLYFITB
| Q4 25 | — | 10.7% | ||
| Q3 25 | — | 10.5% | ||
| Q2 25 | — | 9.6% | ||
| Q1 25 | — | 8.1% | ||
| Q4 24 | — | 10.1% | ||
| Q3 24 | — | 70.2% | ||
| Q2 24 | — | 58.3% | ||
| Q1 24 | — | 43.0% |
现金转化率ALLYFITB
| Q4 25 | 1.96× | 1.27× | ||
| Q3 25 | 3.02× | 1.61× | ||
| Q2 25 | 2.69× | 2.08× | ||
| Q1 25 | — | 2.39× | ||
| Q4 24 | — | -0.16× | ||
| Q3 24 | 2.78× | 3.25× | ||
| Q2 24 | 5.36× | 1.13× | ||
| Q1 24 | 8.54× | 0.74× |
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% |
FITB
暂无分部数据
