vs
Ally Financial Inc.（ALLY）与HERITAGE COMMERCE CORP（HTBK）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HERITAGE COMMERCE CORP的5.6倍（$301.0M vs $53.6M），Ally Financial Inc.净利率更高（108.6% vs 28.2%，领先80.4%），HERITAGE COMMERCE CORP同比增速更快（15.6% vs -3.2%），过去两年HERITAGE COMMERCE CORP的营收复合增速更高（12.8% 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。
本文介绍的企业主体信息与内容描述不符，描述内容实际为美国商会，该商会成立于1912年4月23日，是美国规模最大的游说类商业协会 advocacy 团体，成立之初得益于时任总统威廉·霍华德·塔夫脱与劳工商务部长查尔斯·内格尔推动，旨在代表工商界发声。
ALLY vs HTBK — 直观对比
营收规模更大
ALLY
是对方的5.6倍
$53.6M
营收增速更快
HTBK
高出18.9%
-3.2%
净利率更高
ALLY
高出80.4%
28.2%
两年增速更快
HTBK
近两年复合增速
11.1%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $301.0M | $53.6M |
| 净利润 | $327.0M | $15.1M |
| 毛利率 | — | — |
| 营业利润率 | — | 41.0% |
| 净利率 | 108.6% | 28.2% |
| 营收同比 | -3.2% | 15.6% |
| 净利润同比 | 333.6% | 42.3% |
| 每股收益（稀释后） | $0.97 | $0.25 |
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ALLYHTBK
| Q4 25 | $301.0M | $53.6M | ||
| Q3 25 | $308.0M | $50.0M | ||
| Q2 25 | $312.0M | $47.8M | ||
| Q1 25 | $323.0M | $46.1M | ||
| Q4 24 | $311.0M | $46.4M | ||
| Q3 24 | $319.0M | $42.2M | ||
| Q2 24 | $324.0M | $41.7M | ||
| Q1 24 | $244.0M | $42.1M |
净利润ALLYHTBK
| Q4 25 | $327.0M | $15.1M | ||
| Q3 25 | $398.0M | $14.7M | ||
| Q2 25 | $352.0M | $6.4M | ||
| Q1 25 | $-225.0M | $11.6M | ||
| Q4 24 | $-140.0M | $10.6M | ||
| Q3 24 | $357.0M | $10.5M | ||
| Q2 24 | $294.0M | $9.2M | ||
| Q1 24 | $157.0M | $10.2M |
营业利润率ALLYHTBK
| Q4 25 | — | 41.0% | ||
| Q3 25 | — | 41.1% | ||
| Q2 25 | — | 18.7% | ||
| Q1 25 | -87.9% | 35.4% | ||
| Q4 24 | 56.3% | 31.8% | ||
| Q3 24 | 73.0% | 34.3% | ||
| Q2 24 | 79.3% | 31.3% | ||
| Q1 24 | 70.1% | 34.2% |
净利率ALLYHTBK
| Q4 25 | 108.6% | 28.2% | ||
| Q3 25 | 129.2% | 29.4% | ||
| Q2 25 | 112.8% | 13.4% | ||
| Q1 25 | -69.7% | 25.2% | ||
| Q4 24 | -45.0% | 22.9% | ||
| Q3 24 | 111.9% | 24.9% | ||
| Q2 24 | 90.7% | 22.1% | ||
| Q1 24 | 64.3% | 24.1% |
每股收益（稀释后）ALLYHTBK
| Q4 25 | $0.97 | $0.25 | ||
| Q3 25 | $1.18 | $0.24 | ||
| Q2 25 | $1.04 | $0.10 | ||
| Q1 25 | $-0.82 | $0.19 | ||
| Q4 24 | $-0.54 | $0.17 | ||
| Q3 24 | $1.06 | $0.17 | ||
| Q2 24 | $0.86 | $0.15 | ||
| Q1 24 | $0.42 | $0.17 |
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 | — |
| 股东权益账面价值 | $15.5B | $708.6M |
| 总资产 | $196.0B | $5.8B |
| 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ALLYHTBK
| 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ALLYHTBK
| 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ALLYHTBK
| Q4 25 | $15.5B | $708.6M | ||
| Q3 25 | $15.1B | $700.0M | ||
| Q2 25 | $14.5B | $694.7M | ||
| Q1 25 | $14.2B | $696.2M | ||
| Q4 24 | $13.9B | $689.7M | ||
| Q3 24 | $14.7B | $685.4M | ||
| Q2 24 | $13.9B | $679.2M | ||
| Q1 24 | $13.7B | $676.3M |
总资产ALLYHTBK
| Q4 25 | $196.0B | $5.8B | ||
| Q3 25 | $191.7B | $5.6B | ||
| Q2 25 | $189.5B | $5.5B | ||
| Q1 25 | $193.3B | $5.5B | ||
| Q4 24 | $191.8B | $5.6B | ||
| Q3 24 | $193.0B | $5.6B | ||
| Q2 24 | $192.5B | $5.3B | ||
| Q1 24 | $192.9B | $5.3B |
负债/权益比ALLYHTBK
| 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 | $61.7M |
| 自由现金流经营现金流 - 资本支出 | — | $61.3M |
| 自由现金流率自由现金流/营收 | — | 114.3% |
| 资本支出强度资本支出/营收 | — | 0.7% |
| 现金转化率经营现金流/净利润 | 1.96× | 4.08× |
| 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ALLYHTBK
| Q4 25 | $640.0M | $61.7M | ||
| Q3 25 | $1.2B | $18.9M | ||
| Q2 25 | $947.0M | $8.0M | ||
| Q1 25 | $940.0M | $14.8M | ||
| Q4 24 | $620.0M | $39.0M | ||
| Q3 24 | $992.0M | $5.3M | ||
| Q2 24 | $1.6B | $10.5M | ||
| Q1 24 | $1.3B | $7.3M |
自由现金流ALLYHTBK
| Q4 25 | — | $61.3M | ||
| Q3 25 | — | $18.8M | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $37.3M | ||
| Q3 24 | — | $4.9M | ||
| Q2 24 | — | $9.9M | ||
| Q1 24 | — | $6.9M |
自由现金流率ALLYHTBK
| Q4 25 | — | 114.3% | ||
| Q3 25 | — | 37.7% | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 80.5% | ||
| Q3 24 | — | 11.6% | ||
| Q2 24 | — | 23.6% | ||
| Q1 24 | — | 16.4% |
资本支出强度ALLYHTBK
| Q4 25 | — | 0.7% | ||
| Q3 25 | — | 0.1% | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 3.5% | ||
| Q3 24 | — | 1.0% | ||
| Q2 24 | — | 1.6% | ||
| Q1 24 | — | 1.0% |
现金转化率ALLYHTBK
| Q4 25 | 1.96× | 4.08× | ||
| Q3 25 | 3.02× | 1.28× | ||
| Q2 25 | 2.69× | 1.25× | ||
| Q1 25 | — | 1.28× | ||
| Q4 24 | — | 3.67× | ||
| Q3 24 | 2.78× | 0.50× | ||
| Q2 24 | 5.36× | 1.14× | ||
| Q1 24 | 8.54× | 0.72× |
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% |
HTBK
暂无分部数据
