vs
Ally Financial Inc.（ALLY）与First Watch Restaurant Group, Inc.（FWRG）财务数据对比。点击上方公司名可切换其他公司
First Watch Restaurant Group, Inc.的季度营收约是Ally Financial Inc.的1.1倍（$316.4M vs $301.0M），First Watch Restaurant Group, Inc.同比增速更快（20.2% vs -3.2%），过去两年First Watch Restaurant Group, Inc.的营收复合增速更高（14.2% 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。
该企业原信息存在公司混淆错误，实际First Watch Restaurant Group是美国餐饮集团，主打鲜制早餐、早午餐与午餐，在美国多个州运营自营与特许加盟餐厅，聚焦日间休闲餐饮市场，为消费者提供新鲜健康的美式餐食选择。
ALLY vs FWRG — 直观对比
营收规模更大
FWRG
是对方的1.1倍
$301.0M
营收增速更快
FWRG
高出23.4%
-3.2%
两年增速更快
FWRG
近两年复合增速
11.1%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $301.0M | $316.4M |
| 净利润 | $327.0M | — |
| 毛利率 | — | — |
| 营业利润率 | — | 2.9% |
| 净利率 | 108.6% | — |
| 营收同比 | -3.2% | 20.2% |
| 净利润同比 | 333.6% | — |
| 每股收益（稀释后） | $0.97 | $0.24 |
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ALLYFWRG
| Q4 25 | $301.0M | $316.4M | ||
| Q3 25 | $308.0M | $316.0M | ||
| Q2 25 | $312.0M | $307.9M | ||
| Q1 25 | $323.0M | $282.2M | ||
| Q4 24 | $311.0M | $263.3M | ||
| Q3 24 | $319.0M | $251.6M | ||
| Q2 24 | $324.0M | $258.6M | ||
| Q1 24 | $244.0M | $242.4M |
净利润ALLYFWRG
| Q4 25 | $327.0M | — | ||
| Q3 25 | $398.0M | $3.0M | ||
| Q2 25 | $352.0M | $2.1M | ||
| Q1 25 | $-225.0M | $-829.0K | ||
| Q4 24 | $-140.0M | — | ||
| Q3 24 | $357.0M | $2.1M | ||
| Q2 24 | $294.0M | $8.9M | ||
| Q1 24 | $157.0M | $7.2M |
营业利润率ALLYFWRG
| Q4 25 | — | 2.9% | ||
| Q3 25 | — | 3.2% | ||
| Q2 25 | — | 2.4% | ||
| Q1 25 | -87.9% | 0.4% | ||
| Q4 24 | 56.3% | 1.5% | ||
| Q3 24 | 73.0% | 2.5% | ||
| Q2 24 | 79.3% | 6.4% | ||
| Q1 24 | 70.1% | 5.1% |
净利率ALLYFWRG
| Q4 25 | 108.6% | — | ||
| Q3 25 | 129.2% | 0.9% | ||
| Q2 25 | 112.8% | 0.7% | ||
| Q1 25 | -69.7% | -0.3% | ||
| Q4 24 | -45.0% | — | ||
| Q3 24 | 111.9% | 0.8% | ||
| Q2 24 | 90.7% | 3.4% | ||
| Q1 24 | 64.3% | 3.0% |
每股收益（稀释后）ALLYFWRG
| Q4 25 | $0.97 | $0.24 | ||
| Q3 25 | $1.18 | $0.05 | ||
| Q2 25 | $1.04 | $0.03 | ||
| Q1 25 | $-0.82 | $-0.01 | ||
| Q4 24 | $-0.54 | $0.01 | ||
| Q3 24 | $1.06 | $0.03 | ||
| Q2 24 | $0.86 | $0.14 | ||
| Q1 24 | $0.42 | $0.12 |
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 | $21.2M |
| 总债务越低越好 | $17.1B | $269.1M |
| 股东权益账面价值 | $15.5B | $626.3M |
| 总资产 | $196.0B | $1.7B |
| 负债/权益比越低杠杆越低 | 1.10× | 0.43× |
8季度趋势，按日历期对齐
现金及短期投资ALLYFWRG
| Q4 25 | $10.0B | $21.2M | ||
| Q3 25 | $10.2B | $20.7M | ||
| Q2 25 | $10.6B | $19.2M | ||
| Q1 25 | $10.4B | $18.6M | ||
| Q4 24 | $10.3B | $33.3M | ||
| Q3 24 | $8.6B | $51.1M | ||
| Q2 24 | $7.4B | $45.1M | ||
| Q1 24 | $8.2B | $43.2M |
总债务ALLYFWRG
| Q4 25 | $17.1B | $269.1M | ||
| Q3 25 | $16.7B | $251.0M | ||
| Q2 25 | $15.9B | $250.0M | ||
| Q1 25 | $16.5B | $191.5M | ||
| Q4 24 | $17.5B | $189.0M | ||
| Q3 24 | $16.8B | $189.7M | ||
| Q2 24 | $16.0B | $192.1M | ||
| Q1 24 | $17.0B | $122.7M |
股东权益ALLYFWRG
| Q4 25 | $15.5B | $626.3M | ||
| Q3 25 | $15.1B | $607.3M | ||
| Q2 25 | $14.5B | $601.3M | ||
| Q1 25 | $14.2B | $596.3M | ||
| Q4 24 | $13.9B | $595.4M | ||
| Q3 24 | $14.7B | $589.1M | ||
| Q2 24 | $13.9B | $585.8M | ||
| Q1 24 | $13.7B | $574.4M |
总资产ALLYFWRG
| Q4 25 | $196.0B | $1.7B | ||
| Q3 25 | $191.7B | $1.7B | ||
| Q2 25 | $189.5B | $1.7B | ||
| Q1 25 | $193.3B | $1.5B | ||
| Q4 24 | $191.8B | $1.5B | ||
| Q3 24 | $193.0B | $1.5B | ||
| Q2 24 | $192.5B | $1.4B | ||
| Q1 24 | $192.9B | $1.3B |
负债/权益比ALLYFWRG
| Q4 25 | 1.10× | 0.43× | ||
| Q3 25 | 1.11× | 0.41× | ||
| Q2 25 | 1.09× | 0.42× | ||
| Q1 25 | 1.16× | 0.32× | ||
| Q4 24 | 1.26× | 0.32× | ||
| Q3 24 | 1.14× | 0.32× | ||
| Q2 24 | 1.15× | 0.33× | ||
| Q1 24 | 1.25× | 0.21× |
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 | $18.5M |
| 自由现金流经营现金流 - 资本支出 | — | $-18.3M |
| 自由现金流率自由现金流/营收 | — | -5.8% |
| 资本支出强度资本支出/营收 | — | 11.6% |
| 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 | — | $-31.0M |
8季度趋势，按日历期对齐
经营现金流ALLYFWRG
| Q4 25 | $640.0M | $18.5M | ||
| Q3 25 | $1.2B | $47.9M | ||
| Q2 25 | $947.0M | $39.4M | ||
| Q1 25 | $940.0M | $20.1M | ||
| Q4 24 | $620.0M | $22.9M | ||
| Q3 24 | $992.0M | $35.9M | ||
| Q2 24 | $1.6B | $31.9M | ||
| Q1 24 | $1.3B | $25.0M |
自由现金流ALLYFWRG
| Q4 25 | — | $-18.3M | ||
| Q3 25 | — | $5.5M | ||
| Q2 25 | — | $-1.7M | ||
| Q1 25 | — | $-16.4M | ||
| Q4 24 | — | $-17.7M | ||
| Q3 24 | — | $6.8M | ||
| Q2 24 | — | $2.3M | ||
| Q1 24 | — | $-3.6M |
自由现金流率ALLYFWRG
| Q4 25 | — | -5.8% | ||
| Q3 25 | — | 1.7% | ||
| Q2 25 | — | -0.5% | ||
| Q1 25 | — | -5.8% | ||
| Q4 24 | — | -6.7% | ||
| Q3 24 | — | 2.7% | ||
| Q2 24 | — | 0.9% | ||
| Q1 24 | — | -1.5% |
资本支出强度ALLYFWRG
| Q4 25 | — | 11.6% | ||
| Q3 25 | — | 13.4% | ||
| Q2 25 | — | 13.4% | ||
| Q1 25 | — | 13.0% | ||
| Q4 24 | — | 15.4% | ||
| Q3 24 | — | 11.6% | ||
| Q2 24 | — | 11.5% | ||
| Q1 24 | — | 11.8% |
现金转化率ALLYFWRG
| Q4 25 | 1.96× | — | ||
| Q3 25 | 3.02× | 16.01× | ||
| Q2 25 | 2.69× | 18.72× | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 2.78× | 16.98× | ||
| Q2 24 | 5.36× | 3.59× | ||
| Q1 24 | 8.54× | 3.46× |
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% |
FWRG
| In Restaurant Dining Sales | $254.1M | 80% |
| Third Party Delivery Sales | $38.6M | 12% |
| Take Out Sales | $21.3M | 7% |
| Royalty And System Fund Contributions | $2.3M | 1% |
