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Ally Financial Inc.（ALLY）与H2O AMERICA（HTO）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H2O AMERICA的1.5倍（$301.0M vs $199.4M），Ally Financial Inc.净利率更高（108.6% vs 8.1%，领先100.5%），H2O AMERICA同比增速更快（1.5% vs -3.2%），过去两年H2O AMERICA的营收复合增速更高（15.3% 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。
H2O Wireless是美国的预付费移动通信服务商，依托AT&T网络运营，隶属于MVNO（移动虚拟网络运营商）Locus通信，自2019年起Locus成为Telrite控股的子公司，此前2010年起曾是KDDI美国旗下资产。该品牌主打无限制套餐服务，支持用户自带或购买无锁智能手机入网，AT&T合约机/锁网机也可兼容使用。
ALLY vs HTO — 直观对比
营收规模更大
ALLY
是对方的1.5倍
$199.4M
营收增速更快
HTO
高出4.7%
-3.2%
净利率更高
ALLY
高出100.5%
8.1%
两年增速更快
HTO
近两年复合增速
11.1%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $301.0M | $199.4M |
| 净利润 | $327.0M | $16.2M |
| 毛利率 | — | — |
| 营业利润率 | — | 16.6% |
| 净利率 | 108.6% | 8.1% |
| 营收同比 | -3.2% | 1.5% |
| 净利润同比 | 333.6% | -29.2% |
| 每股收益（稀释后） | $0.97 | $0.45 |
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ALLYHTO
| Q4 25 | $301.0M | $199.4M | ||
| Q3 25 | $308.0M | $243.5M | ||
| Q2 25 | $312.0M | $197.8M | ||
| Q1 25 | $323.0M | $164.9M | ||
| Q4 24 | $311.0M | $196.5M | ||
| Q3 24 | $319.0M | $216.7M | ||
| Q2 24 | $324.0M | $173.1M | ||
| Q1 24 | $244.0M | $150.0M |
净利润ALLYHTO
| Q4 25 | $327.0M | $16.2M | ||
| Q3 25 | $398.0M | $45.1M | ||
| Q2 25 | $352.0M | $24.7M | ||
| Q1 25 | $-225.0M | $16.6M | ||
| Q4 24 | $-140.0M | $22.9M | ||
| Q3 24 | $357.0M | $38.7M | ||
| Q2 24 | $294.0M | $20.7M | ||
| Q1 24 | $157.0M | $11.7M |
营业利润率ALLYHTO
| Q4 25 | — | 16.6% | ||
| Q3 25 | — | 26.5% | ||
| Q2 25 | — | 22.2% | ||
| Q1 25 | -87.9% | 21.8% | ||
| Q4 24 | 56.3% | 22.2% | ||
| Q3 24 | 73.0% | 26.9% | ||
| Q2 24 | 79.3% | 23.4% | ||
| Q1 24 | 70.1% | 18.6% |
净利率ALLYHTO
| Q4 25 | 108.6% | 8.1% | ||
| Q3 25 | 129.2% | 18.5% | ||
| Q2 25 | 112.8% | 12.5% | ||
| Q1 25 | -69.7% | 10.0% | ||
| Q4 24 | -45.0% | 11.7% | ||
| Q3 24 | 111.9% | 17.8% | ||
| Q2 24 | 90.7% | 12.0% | ||
| Q1 24 | 64.3% | 7.8% |
每股收益（稀释后）ALLYHTO
| Q4 25 | $0.97 | $0.45 | ||
| Q3 25 | $1.18 | $1.27 | ||
| Q2 25 | $1.04 | $0.71 | ||
| Q1 25 | $-0.82 | $0.49 | ||
| Q4 24 | $-0.54 | $0.70 | ||
| Q3 24 | $1.06 | $1.17 | ||
| Q2 24 | $0.86 | $0.64 | ||
| Q1 24 | $0.42 | $0.36 |
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 | $20.7M |
| 总债务越低越好 | $17.1B | $1.9B |
| 股东权益账面价值 | $15.5B | $1.5B |
| 总资产 | $196.0B | $5.1B |
| 负债/权益比越低杠杆越低 | 1.10× | 1.23× |
8季度趋势，按日历期对齐
现金及短期投资ALLYHTO
| Q4 25 | $10.0B | $20.7M | ||
| Q3 25 | $10.2B | $11.3M | ||
| Q2 25 | $10.6B | $19.8M | ||
| Q1 25 | $10.4B | $23.7M | ||
| Q4 24 | $10.3B | $11.1M | ||
| Q3 24 | $8.6B | $4.0M | ||
| Q2 24 | $7.4B | $22.8M | ||
| Q1 24 | $8.2B | $4.5M |
总债务ALLYHTO
| Q4 25 | $17.1B | $1.9B | ||
| Q3 25 | $16.7B | — | ||
| Q2 25 | $15.9B | — | ||
| Q1 25 | $16.5B | — | ||
| Q4 24 | $17.5B | $1.7B | ||
| Q3 24 | $16.8B | — | ||
| Q2 24 | $16.0B | — | ||
| Q1 24 | $17.0B | — |
股东权益ALLYHTO
| Q4 25 | $15.5B | $1.5B | ||
| Q3 25 | $15.1B | $1.5B | ||
| Q2 25 | $14.5B | $1.5B | ||
| Q1 25 | $14.2B | $1.4B | ||
| Q4 24 | $13.9B | $1.4B | ||
| Q3 24 | $14.7B | $1.3B | ||
| Q2 24 | $13.9B | $1.3B | ||
| Q1 24 | $13.7B | $1.2B |
总资产ALLYHTO
| Q4 25 | $196.0B | $5.1B | ||
| Q3 25 | $191.7B | $5.0B | ||
| Q2 25 | $189.5B | $4.8B | ||
| Q1 25 | $193.3B | $4.7B | ||
| Q4 24 | $191.8B | $4.7B | ||
| Q3 24 | $193.0B | $4.6B | ||
| Q2 24 | $192.5B | $4.4B | ||
| Q1 24 | $192.9B | $4.4B |
负债/权益比ALLYHTO
| Q4 25 | 1.10× | 1.23× | ||
| Q3 25 | 1.11× | — | ||
| Q2 25 | 1.09× | — | ||
| Q1 25 | 1.16× | — | ||
| Q4 24 | 1.26× | 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 | $63.5M |
| 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× | 3.92× |
| 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ALLYHTO
| Q4 25 | $640.0M | $63.5M | ||
| Q3 25 | $1.2B | $77.3M | ||
| Q2 25 | $947.0M | $60.8M | ||
| Q1 25 | $940.0M | $43.2M | ||
| Q4 24 | $620.0M | $41.5M | ||
| Q3 24 | $992.0M | $53.5M | ||
| Q2 24 | $1.6B | $49.3M | ||
| Q1 24 | $1.3B | $51.2M |
现金转化率ALLYHTO
| Q4 25 | 1.96× | 3.92× | ||
| Q3 25 | 3.02× | 1.71× | ||
| Q2 25 | 2.69× | 2.47× | ||
| Q1 25 | — | 2.61× | ||
| Q4 24 | — | 1.81× | ||
| Q3 24 | 2.78× | 1.39× | ||
| Q2 24 | 5.36× | 2.38× | ||
| Q1 24 | 8.54× | 4.38× |
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% |
HTO
| Water Utility Services | $191.0M | 96% |
| Other | $8.4M | 4% |
