vs
Ally Financial Inc.（ALLY）与Forestar Group Inc.（FOR）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Forestar Group Inc.的1.1倍（$301.0M vs $273.0M），Ally Financial Inc.净利率更高（108.6% vs 5.6%，领先103.0%），Forestar Group Inc.同比增速更快（9.0% vs -3.2%），过去两年Ally Financial Inc.的营收复合增速更高（11.1% vs -9.6%）
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。
福雷斯特集团是一家住宅地块开发企业，总部位于得克萨斯州阿灵顿，业务覆盖美国21个州的51个市场。截至2020年12月31日的12个月内，该公司交付了11518块住宅地块，目前在纽约证券交易所上市，自2002年起就是美国规模最大的住宅建筑商D.R. Horton的控股子公司。
ALLY vs FOR — 直观对比
营收规模更大
ALLY
是对方的1.1倍
$273.0M
营收增速更快
FOR
高出12.2%
-3.2%
净利率更高
ALLY
高出103.0%
5.6%
两年增速更快
ALLY
近两年复合增速
-9.6%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $301.0M | $273.0M |
| 净利润 | $327.0M | $15.4M |
| 毛利率 | — | 20.1% |
| 营业利润率 | — | 7.6% |
| 净利率 | 108.6% | 5.6% |
| 营收同比 | -3.2% | 9.0% |
| 净利润同比 | 333.6% | -6.7% |
| 每股收益（稀释后） | $0.97 | $0.30 |
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ALLYFOR
| Q4 25 | $301.0M | $273.0M | ||
| Q3 25 | $308.0M | $670.5M | ||
| Q2 25 | $312.0M | $390.5M | ||
| Q1 25 | $323.0M | $351.0M | ||
| Q4 24 | $311.0M | $250.4M | ||
| Q3 24 | $319.0M | $551.3M | ||
| Q2 24 | $324.0M | $318.4M | ||
| Q1 24 | $244.0M | $333.8M |
净利润ALLYFOR
| Q4 25 | $327.0M | $15.4M | ||
| Q3 25 | $398.0M | $86.9M | ||
| Q2 25 | $352.0M | $32.9M | ||
| Q1 25 | $-225.0M | $31.6M | ||
| Q4 24 | $-140.0M | $16.5M | ||
| Q3 24 | $357.0M | $81.5M | ||
| Q2 24 | $294.0M | $38.7M | ||
| Q1 24 | $157.0M | $45.0M |
毛利率ALLYFOR
| Q4 25 | — | 20.1% | ||
| Q3 25 | — | 22.3% | ||
| Q2 25 | — | 20.4% | ||
| Q1 25 | — | 22.6% | ||
| Q4 24 | — | 22.0% | ||
| Q3 24 | — | 23.9% | ||
| Q2 24 | — | 22.5% | ||
| Q1 24 | — | 24.9% |
营业利润率ALLYFOR
| Q4 25 | — | 7.6% | ||
| Q3 25 | — | 16.9% | ||
| Q2 25 | — | 11.2% | ||
| Q1 25 | -87.9% | 11.6% | ||
| Q4 24 | 56.3% | 8.7% | ||
| Q3 24 | 73.0% | 19.7% | ||
| Q2 24 | 79.3% | 16.2% | ||
| Q1 24 | 70.1% | 17.6% |
净利率ALLYFOR
| Q4 25 | 108.6% | 5.6% | ||
| Q3 25 | 129.2% | 13.0% | ||
| Q2 25 | 112.8% | 8.4% | ||
| Q1 25 | -69.7% | 9.0% | ||
| Q4 24 | -45.0% | 6.6% | ||
| Q3 24 | 111.9% | 14.8% | ||
| Q2 24 | 90.7% | 12.2% | ||
| Q1 24 | 64.3% | 13.5% |
每股收益（稀释后）ALLYFOR
| Q4 25 | $0.97 | $0.30 | ||
| Q3 25 | $1.18 | $1.70 | ||
| Q2 25 | $1.04 | $0.65 | ||
| Q1 25 | $-0.82 | $0.62 | ||
| Q4 24 | $-0.54 | $0.32 | ||
| Q3 24 | $1.06 | $1.59 | ||
| Q2 24 | $0.86 | $0.76 | ||
| Q1 24 | $0.42 | $0.89 |
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 | $211.7M |
| 总债务越低越好 | $17.1B | $793.2M |
| 股东权益账面价值 | $15.5B | $1.8B |
| 总资产 | $196.0B | $3.2B |
| 负债/权益比越低杠杆越低 | 1.10× | 0.44× |
8季度趋势，按日历期对齐
现金及短期投资ALLYFOR
| Q4 25 | $10.0B | $211.7M | ||
| Q3 25 | $10.2B | $379.2M | ||
| Q2 25 | $10.6B | $189.2M | ||
| Q1 25 | $10.4B | $174.3M | ||
| Q4 24 | $10.3B | $132.0M | ||
| Q3 24 | $8.6B | $481.2M | ||
| Q2 24 | $7.4B | $359.2M | ||
| Q1 24 | $8.2B | $416.2M |
总债务ALLYFOR
| Q4 25 | $17.1B | $793.2M | ||
| Q3 25 | $16.7B | $802.7M | ||
| Q2 25 | $15.9B | $872.8M | ||
| Q1 25 | $16.5B | $872.5M | ||
| Q4 24 | $17.5B | $806.8M | ||
| Q3 24 | $16.8B | $706.4M | ||
| Q2 24 | $16.0B | $706.1M | ||
| Q1 24 | $17.0B | $705.7M |
股东权益ALLYFOR
| Q4 25 | $15.5B | $1.8B | ||
| Q3 25 | $15.1B | $1.8B | ||
| Q2 25 | $14.5B | $1.7B | ||
| 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ALLYFOR
| Q4 25 | $196.0B | $3.2B | ||
| Q3 25 | $191.7B | $3.1B | ||
| Q2 25 | $189.5B | $3.1B | ||
| Q1 25 | $193.3B | $3.0B | ||
| Q4 24 | $191.8B | $3.0B | ||
| Q3 24 | $193.0B | $2.8B | ||
| Q2 24 | $192.5B | $2.7B | ||
| Q1 24 | $192.9B | $2.6B |
负债/权益比ALLYFOR
| Q4 25 | 1.10× | 0.44× | ||
| Q3 25 | 1.11× | 0.45× | ||
| Q2 25 | 1.09× | 0.52× | ||
| Q1 25 | 1.16× | 0.53× | ||
| Q4 24 | 1.26× | 0.50× | ||
| Q3 24 | 1.14× | 0.44× | ||
| Q2 24 | 1.15× | 0.47× | ||
| Q1 24 | 1.25× | 0.48× |
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 | $-157.0M |
| 自由现金流经营现金流 - 资本支出 | — | $-157.1M |
| 自由现金流率自由现金流/营收 | — | -57.5% |
| 资本支出强度资本支出/营收 | — | 0.0% |
| 现金转化率经营现金流/净利润 | 1.96× | -10.19× |
| 过去12个月自由现金流最近4个季度 | — | $93.0M |
8季度趋势，按日历期对齐
经营现金流ALLYFOR
| Q4 25 | $640.0M | $-157.0M | ||
| Q3 25 | $1.2B | $256.3M | ||
| Q2 25 | $947.0M | $15.8M | ||
| Q1 25 | $940.0M | $-19.8M | ||
| Q4 24 | $620.0M | $-450.0M | ||
| Q3 24 | $992.0M | $119.2M | ||
| Q2 24 | $1.6B | $-61.7M | ||
| Q1 24 | $1.3B | $-59.2M |
自由现金流ALLYFOR
| Q4 25 | — | $-157.1M | ||
| Q3 25 | — | $255.6M | ||
| Q2 25 | — | $15.0M | ||
| Q1 25 | — | $-20.5M | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $118.4M | ||
| Q2 24 | — | $-62.3M | ||
| Q1 24 | — | $-59.8M |
自由现金流率ALLYFOR
| Q4 25 | — | -57.5% | ||
| Q3 25 | — | 38.1% | ||
| Q2 25 | — | 3.8% | ||
| Q1 25 | — | -5.8% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 21.5% | ||
| Q2 24 | — | -19.6% | ||
| Q1 24 | — | -17.9% |
资本支出强度ALLYFOR
| Q4 25 | — | 0.0% | ||
| Q3 25 | — | 0.1% | ||
| Q2 25 | — | 0.2% | ||
| Q1 25 | — | 0.2% | ||
| Q4 24 | — | 0.0% | ||
| Q3 24 | — | 0.1% | ||
| Q2 24 | — | 0.2% | ||
| Q1 24 | — | 0.2% |
现金转化率ALLYFOR
| Q4 25 | 1.96× | -10.19× | ||
| Q3 25 | 3.02× | 2.95× | ||
| Q2 25 | 2.69× | 0.48× | ||
| Q1 25 | — | -0.63× | ||
| Q4 24 | — | -27.27× | ||
| Q3 24 | 2.78× | 1.46× | ||
| Q2 24 | 5.36× | -1.59× | ||
| Q1 24 | 8.54× | -1.32× |
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% |
FOR
| D.R.Horton Inc. | $183.8M | 67% |
| Other | $89.2M | 33% |
