vs
Ally Financial Inc.（ALLY）与FEDERAL SIGNAL CORP（FSS）财务数据对比。点击上方公司名可切换其他公司
FEDERAL SIGNAL CORP的季度营收约是Ally Financial Inc.的2.0倍（$597.1M vs $301.0M），Ally Financial Inc.净利率更高（108.6% vs 10.2%，领先98.5%），FEDERAL SIGNAL CORP同比增速更快（26.5% vs -3.2%），过去两年FEDERAL SIGNAL CORP的营收复合增速更高（18.5% 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。
联邦信号公司是20世纪早期的美国企业，主营铁路信号设备的制造业务，总部坐落于美国纽约州奥尔巴尼市，其生产的相关信号产品在当时的美国轨道交通行业得到了广泛应用，具备一定的行业知名度。
ALLY vs FSS — 直观对比
营收规模更大
FSS
是对方的2.0倍
$301.0M
营收增速更快
FSS
高出29.7%
-3.2%
净利率更高
ALLY
高出98.5%
10.2%
两年增速更快
FSS
近两年复合增速
11.1%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $301.0M | $597.1M |
| 净利润 | $327.0M | $60.8M |
| 毛利率 | — | 28.4% |
| 营业利润率 | — | 14.0% |
| 净利率 | 108.6% | 10.2% |
| 营收同比 | -3.2% | 26.5% |
| 净利润同比 | 333.6% | 21.6% |
| 每股收益（稀释后） | $0.97 | $0.99 |
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ALLYFSS
| Q4 25 | $301.0M | $597.1M | ||
| Q3 25 | $308.0M | $555.0M | ||
| Q2 25 | $312.0M | $564.6M | ||
| Q1 25 | $323.0M | $463.8M | ||
| Q4 24 | $311.0M | $472.0M | ||
| Q3 24 | $319.0M | $474.2M | ||
| Q2 24 | $324.0M | $490.4M | ||
| Q1 24 | $244.0M | $424.9M |
净利润ALLYFSS
| Q4 25 | $327.0M | $60.8M | ||
| Q3 25 | $398.0M | $68.1M | ||
| Q2 25 | $352.0M | $71.4M | ||
| Q1 25 | $-225.0M | $46.3M | ||
| Q4 24 | $-140.0M | $50.0M | ||
| Q3 24 | $357.0M | $53.9M | ||
| Q2 24 | $294.0M | $60.8M | ||
| Q1 24 | $157.0M | $51.6M |
毛利率ALLYFSS
| Q4 25 | — | 28.4% | ||
| Q3 25 | — | 29.1% | ||
| Q2 25 | — | 30.0% | ||
| Q1 25 | — | 28.2% | ||
| Q4 24 | — | 28.1% | ||
| Q3 24 | — | 29.6% | ||
| Q2 24 | — | 29.4% | ||
| Q1 24 | — | 27.3% |
营业利润率ALLYFSS
| Q4 25 | — | 14.0% | ||
| Q3 25 | — | 16.9% | ||
| Q2 25 | — | 17.3% | ||
| Q1 25 | -87.9% | 14.2% | ||
| Q4 24 | 56.3% | 14.9% | ||
| Q3 24 | 73.0% | 16.0% | ||
| Q2 24 | 79.3% | 16.5% | ||
| Q1 24 | 70.1% | 12.8% |
净利率ALLYFSS
| Q4 25 | 108.6% | 10.2% | ||
| Q3 25 | 129.2% | 12.3% | ||
| Q2 25 | 112.8% | 12.6% | ||
| Q1 25 | -69.7% | 10.0% | ||
| Q4 24 | -45.0% | 10.6% | ||
| Q3 24 | 111.9% | 11.4% | ||
| Q2 24 | 90.7% | 12.4% | ||
| Q1 24 | 64.3% | 12.1% |
每股收益（稀释后）ALLYFSS
| Q4 25 | $0.97 | $0.99 | ||
| Q3 25 | $1.18 | $1.11 | ||
| Q2 25 | $1.04 | $1.16 | ||
| Q1 25 | $-0.82 | $0.75 | ||
| Q4 24 | $-0.54 | $0.80 | ||
| Q3 24 | $1.06 | $0.87 | ||
| Q2 24 | $0.86 | $0.99 | ||
| Q1 24 | $0.42 | $0.84 |
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 | $63.7M |
| 总债务越低越好 | $17.1B | $564.6M |
| 股东权益账面价值 | $15.5B | $1.4B |
| 总资产 | $196.0B | $2.4B |
| 负债/权益比越低杠杆越低 | 1.10× | 0.41× |
8季度趋势，按日历期对齐
现金及短期投资ALLYFSS
| Q4 25 | $10.0B | $63.7M | ||
| Q3 25 | $10.2B | $54.4M | ||
| Q2 25 | $10.6B | $64.7M | ||
| Q1 25 | $10.4B | $57.5M | ||
| Q4 24 | $10.3B | $91.1M | ||
| Q3 24 | $8.6B | $73.7M | ||
| Q2 24 | $7.4B | $48.6M | ||
| Q1 24 | $8.2B | $48.9M |
总债务ALLYFSS
| Q4 25 | $17.1B | $564.6M | ||
| Q3 25 | $16.7B | $201.2M | ||
| Q2 25 | $15.9B | $258.3M | ||
| Q1 25 | $16.5B | $266.9M | ||
| Q4 24 | $17.5B | $204.4M | ||
| Q3 24 | $16.8B | $223.3M | ||
| Q2 24 | $16.0B | $248.8M | ||
| Q1 24 | $17.0B | $266.8M |
股东权益ALLYFSS
| Q4 25 | $15.5B | $1.4B | ||
| Q3 25 | $15.1B | $1.3B | ||
| Q2 25 | $14.5B | $1.3B | ||
| Q1 25 | $14.2B | $1.2B | ||
| Q4 24 | $13.9B | $1.2B | ||
| Q3 24 | $14.7B | $1.1B | ||
| Q2 24 | $13.9B | $1.1B | ||
| Q1 24 | $13.7B | $1.0B |
总资产ALLYFSS
| Q4 25 | $196.0B | $2.4B | ||
| Q3 25 | $191.7B | $1.9B | ||
| Q2 25 | $189.5B | $1.9B | ||
| Q1 25 | $193.3B | $1.9B | ||
| Q4 24 | $191.8B | $1.8B | ||
| Q3 24 | $193.0B | $1.7B | ||
| Q2 24 | $192.5B | $1.7B | ||
| Q1 24 | $192.9B | $1.7B |
负债/权益比ALLYFSS
| Q4 25 | 1.10× | 0.41× | ||
| Q3 25 | 1.11× | 0.15× | ||
| Q2 25 | 1.09× | 0.20× | ||
| Q1 25 | 1.16× | 0.22× | ||
| Q4 24 | 1.26× | 0.17× | ||
| Q3 24 | 1.14× | 0.19× | ||
| Q2 24 | 1.15× | 0.23× | ||
| Q1 24 | 1.25× | 0.26× |
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 | $97.2M |
| 自由现金流经营现金流 - 资本支出 | — | $89.5M |
| 自由现金流率自由现金流/营收 | — | 15.0% |
| 资本支出强度资本支出/营收 | — | 1.3% |
| 现金转化率经营现金流/净利润 | 1.96× | 1.60× |
| 过去12个月自由现金流最近4个季度 | — | $227.1M |
8季度趋势，按日历期对齐
经营现金流ALLYFSS
| Q4 25 | $640.0M | $97.2M | ||
| Q3 25 | $1.2B | $61.1M | ||
| Q2 25 | $947.0M | $59.7M | ||
| Q1 25 | $940.0M | $36.7M | ||
| Q4 24 | $620.0M | $90.6M | ||
| Q3 24 | $992.0M | $68.8M | ||
| Q2 24 | $1.6B | $40.6M | ||
| Q1 24 | $1.3B | $31.3M |
自由现金流ALLYFSS
| Q4 25 | — | $89.5M | ||
| Q3 25 | — | $54.1M | ||
| Q2 25 | — | $52.4M | ||
| Q1 25 | — | $31.1M | ||
| Q4 24 | — | $82.1M | ||
| Q3 24 | — | $60.9M | ||
| Q2 24 | — | $24.8M | ||
| Q1 24 | — | $22.9M |
自由现金流率ALLYFSS
| Q4 25 | — | 15.0% | ||
| Q3 25 | — | 9.7% | ||
| Q2 25 | — | 9.3% | ||
| Q1 25 | — | 6.7% | ||
| Q4 24 | — | 17.4% | ||
| Q3 24 | — | 12.8% | ||
| Q2 24 | — | 5.1% | ||
| Q1 24 | — | 5.4% |
资本支出强度ALLYFSS
| Q4 25 | — | 1.3% | ||
| Q3 25 | — | 1.3% | ||
| Q2 25 | — | 1.3% | ||
| Q1 25 | — | 1.2% | ||
| Q4 24 | — | 1.8% | ||
| Q3 24 | — | 1.7% | ||
| Q2 24 | — | 3.2% | ||
| Q1 24 | — | 2.0% |
现金转化率ALLYFSS
| Q4 25 | 1.96× | 1.60× | ||
| Q3 25 | 3.02× | 0.90× | ||
| Q2 25 | 2.69× | 0.84× | ||
| Q1 25 | — | 0.79× | ||
| Q4 24 | — | 1.81× | ||
| Q3 24 | 2.78× | 1.28× | ||
| Q2 24 | 5.36× | 0.67× | ||
| Q1 24 | 8.54× | 0.61× |
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% |
FSS
| Vehiclesandequipment | $403.4M | 68% |
| Parts | $66.8M | 11% |
| Publicsafetyandsecurityequipment | $62.2M | 10% |
| Rentalincome | $19.0M | 3% |
| Industrialsignalingequipment | $18.2M | 3% |
| Other | $14.9M | 2% |
| Warningsystems | $12.6M | 2% |
