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Ally Financial Inc.（ALLY）与HBT Financial, Inc.（HBT）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HBT Financial, Inc.的6.0倍（$301.0M vs $50.5M）。HBT Financial, Inc.同比增速更快（6.6% vs -3.2%）。过去两年Ally Financial Inc.的营收复合增速更高（11.1% vs 4.0%）
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。
HBT Financial, Inc.是总部位于美国伊利诺伊州的区域性银行控股公司，主要为运营区域内的社区居民、中小微企业提供各类零售及商业银行业务，涵盖存取款服务、消费及商业信贷、财富管理咨询、按揭贷款等金融产品。
ALLY vs HBT — 直观对比
营收规模更大
ALLY
是对方的6.0倍
$50.5M
营收增速更快
HBT
高出9.8%
-3.2%
两年增速更快
ALLY
近两年复合增速
4.0%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $301.0M | $50.5M |
| 净利润 | $327.0M | — |
| 毛利率 | — | — |
| 营业利润率 | — | 51.3% |
| 净利率 | 108.6% | — |
| 营收同比 | -3.2% | 6.6% |
| 净利润同比 | 333.6% | — |
| 每股收益（稀释后） | $0.97 | $0.60 |
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ALLYHBT
| Q4 25 | $301.0M | $50.5M | ||
| Q3 25 | $308.0M | $50.0M | ||
| Q2 25 | $312.0M | $49.7M | ||
| Q1 25 | $323.0M | $48.7M | ||
| Q4 24 | $311.0M | $47.4M | ||
| Q3 24 | $319.0M | $47.7M | ||
| Q2 24 | $324.0M | $47.0M | ||
| Q1 24 | $244.0M | $46.7M |
净利润ALLYHBT
| Q4 25 | $327.0M | — | ||
| Q3 25 | $398.0M | $19.8M | ||
| Q2 25 | $352.0M | $19.2M | ||
| Q1 25 | $-225.0M | $19.1M | ||
| Q4 24 | $-140.0M | $20.3M | ||
| Q3 24 | $357.0M | $18.2M | ||
| Q2 24 | $294.0M | $18.1M | ||
| Q1 24 | $157.0M | $15.3M |
营业利润率ALLYHBT
| Q4 25 | — | 51.3% | ||
| Q3 25 | — | 53.5% | ||
| Q2 25 | — | 53.1% | ||
| Q1 25 | -87.9% | 52.4% | ||
| Q4 24 | 56.3% | 57.8% | ||
| Q3 24 | 73.0% | 51.4% | ||
| Q2 24 | 79.3% | 53.1% | ||
| Q1 24 | 70.1% | 43.9% |
净利率ALLYHBT
| Q4 25 | 108.6% | — | ||
| Q3 25 | 129.2% | 39.5% | ||
| Q2 25 | 112.8% | 38.7% | ||
| Q1 25 | -69.7% | 39.2% | ||
| Q4 24 | -45.0% | 42.8% | ||
| Q3 24 | 111.9% | 38.1% | ||
| Q2 24 | 90.7% | 38.4% | ||
| Q1 24 | 64.3% | 32.7% |
每股收益（稀释后）ALLYHBT
| Q4 25 | $0.97 | $0.60 | ||
| Q3 25 | $1.18 | $0.63 | ||
| Q2 25 | $1.04 | $0.61 | ||
| Q1 25 | $-0.82 | $0.60 | ||
| Q4 24 | $-0.54 | $0.64 | ||
| Q3 24 | $1.06 | $0.57 | ||
| Q2 24 | $0.86 | $0.57 | ||
| Q1 24 | $0.42 | $0.48 |
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 | $122.3M |
| 总债务越低越好 | $17.1B | — |
| 股东权益账面价值 | $15.5B | $615.5M |
| 总资产 | $196.0B | $5.1B |
| 负债/权益比越低杠杆越低 | 1.10× | — |
8季度趋势，按日历期对齐
现金及短期投资ALLYHBT
| Q4 25 | $10.0B | $122.3M | ||
| Q3 25 | $10.2B | $155.1M | ||
| Q2 25 | $10.6B | $195.7M | ||
| Q1 25 | $10.4B | $211.6M | ||
| Q4 24 | $10.3B | $137.7M | ||
| Q3 24 | $8.6B | $179.7M | ||
| Q2 24 | $7.4B | $195.2M | ||
| Q1 24 | $8.2B | $260.2M |
总债务ALLYHBT
| Q4 25 | $17.1B | — | ||
| Q3 25 | $16.7B | — | ||
| Q2 25 | $15.9B | — | ||
| Q1 25 | $16.5B | — | ||
| Q4 24 | $17.5B | — | ||
| Q3 24 | $16.8B | — | ||
| Q2 24 | $16.0B | — | ||
| Q1 24 | $17.0B | — |
股东权益ALLYHBT
| Q4 25 | $15.5B | $615.5M | ||
| Q3 25 | $15.1B | $599.1M | ||
| Q2 25 | $14.5B | $580.9M | ||
| Q1 25 | $14.2B | $565.1M | ||
| Q4 24 | $13.9B | $544.6M | ||
| Q3 24 | $14.7B | $537.7M | ||
| Q2 24 | $13.9B | $509.5M | ||
| Q1 24 | $13.7B | $496.7M |
总资产ALLYHBT
| Q4 25 | $196.0B | $5.1B | ||
| Q3 25 | $191.7B | $5.0B | ||
| Q2 25 | $189.5B | $5.0B | ||
| Q1 25 | $193.3B | $5.1B | ||
| Q4 24 | $191.8B | $5.0B | ||
| Q3 24 | $193.0B | $5.0B | ||
| Q2 24 | $192.5B | $5.0B | ||
| Q1 24 | $192.9B | $5.0B |
负债/权益比ALLYHBT
| Q4 25 | 1.10× | — | ||
| Q3 25 | 1.11× | — | ||
| Q2 25 | 1.09× | — | ||
| Q1 25 | 1.16× | — | ||
| Q4 24 | 1.26× | — | ||
| Q3 24 | 1.14× | — | ||
| Q2 24 | 1.15× | — | ||
| Q1 24 | 1.25× | — |
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 | $23.9M |
| 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ALLYHBT
| Q4 25 | $640.0M | $23.9M | ||
| Q3 25 | $1.2B | $17.2M | ||
| Q2 25 | $947.0M | $13.6M | ||
| Q1 25 | $940.0M | $30.4M | ||
| Q4 24 | $620.0M | $17.3M | ||
| Q3 24 | $992.0M | $25.5M | ||
| Q2 24 | $1.6B | $19.8M | ||
| Q1 24 | $1.3B | $26.8M |
现金转化率ALLYHBT
| Q4 25 | 1.96× | — | ||
| Q3 25 | 3.02× | 0.87× | ||
| Q2 25 | 2.69× | 0.70× | ||
| Q1 25 | — | 1.60× | ||
| Q4 24 | — | 0.85× | ||
| Q3 24 | 2.78× | 1.40× | ||
| Q2 24 | 5.36× | 1.10× | ||
| Q1 24 | 8.54× | 1.75× |
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% |
HBT
暂无分部数据
