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Ally Financial Inc.（ALLY）与HAVERTY FURNITURE COMPANIES INC（HVT）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HAVERTY FURNITURE COMPANIES INC的1.5倍（$301.0M vs $201.9M），Ally Financial Inc.净利率更高（108.6% vs 4.2%，领先104.4%），HAVERTY FURNITURE COMPANIES INC同比增速更快（9.5% vs -3.2%），过去两年Ally Financial Inc.的营收复合增速更高（11.1% vs 4.8%）
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。
该企业原名为国际鞋业公司，1911年由两家鞋企合并成立于美国密苏里州克莱顿，后开展多元化业务并逐步退出制鞋领域，最终更名为家具品牌国际，是美国家居行业知名企业，曾拥有布罗伊希尔等多个知名家具品牌。
ALLY vs HVT — 直观对比
营收规模更大
ALLY
是对方的1.5倍
$201.9M
营收增速更快
HVT
高出12.7%
-3.2%
净利率更高
ALLY
高出104.4%
4.2%
两年增速更快
ALLY
近两年复合增速
4.8%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $301.0M | $201.9M |
| 净利润 | $327.0M | $8.5M |
| 毛利率 | — | 60.4% |
| 营业利润率 | — | 5.3% |
| 净利率 | 108.6% | 4.2% |
| 营收同比 | -3.2% | 9.5% |
| 净利润同比 | 333.6% | 4.1% |
| 每股收益（稀释后） | $0.97 | — |
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ALLYHVT
| Q4 25 | $301.0M | $201.9M | ||
| Q3 25 | $308.0M | $194.5M | ||
| Q2 25 | $312.0M | $181.0M | ||
| Q1 25 | $323.0M | $181.6M | ||
| Q4 24 | $311.0M | $184.4M | ||
| Q3 24 | $319.0M | $175.9M | ||
| Q2 24 | $324.0M | $178.6M | ||
| Q1 24 | $244.0M | $184.0M |
净利润ALLYHVT
| Q4 25 | $327.0M | $8.5M | ||
| Q3 25 | $398.0M | $4.7M | ||
| Q2 25 | $352.0M | $2.7M | ||
| Q1 25 | $-225.0M | $3.8M | ||
| Q4 24 | $-140.0M | $8.2M | ||
| Q3 24 | $357.0M | $4.9M | ||
| Q2 24 | $294.0M | $4.4M | ||
| Q1 24 | $157.0M | $2.4M |
毛利率ALLYHVT
| Q4 25 | — | 60.4% | ||
| Q3 25 | — | 60.3% | ||
| Q2 25 | — | 60.8% | ||
| Q1 25 | — | 61.2% | ||
| Q4 24 | — | 61.9% | ||
| Q3 24 | — | 60.2% | ||
| Q2 24 | — | 60.4% | ||
| Q1 24 | — | 60.3% |
营业利润率ALLYHVT
| Q4 25 | — | 5.3% | ||
| Q3 25 | — | 3.3% | ||
| Q2 25 | — | 2.4% | ||
| Q1 25 | -87.9% | 2.9% | ||
| Q4 24 | 56.3% | 5.2% | ||
| Q3 24 | 73.0% | 3.9% | ||
| Q2 24 | 79.3% | 3.6% | ||
| Q1 24 | 70.1% | 1.7% |
净利率ALLYHVT
| Q4 25 | 108.6% | 4.2% | ||
| Q3 25 | 129.2% | 2.4% | ||
| Q2 25 | 112.8% | 1.5% | ||
| Q1 25 | -69.7% | 2.1% | ||
| Q4 24 | -45.0% | 4.4% | ||
| Q3 24 | 111.9% | 2.8% | ||
| Q2 24 | 90.7% | 2.5% | ||
| Q1 24 | 64.3% | 1.3% |
每股收益（稀释后）ALLYHVT
| Q4 25 | $0.97 | — | ||
| Q3 25 | $1.18 | — | ||
| Q2 25 | $1.04 | — | ||
| Q1 25 | $-0.82 | — | ||
| Q4 24 | $-0.54 | — | ||
| Q3 24 | $1.06 | — | ||
| Q2 24 | $0.86 | — | ||
| Q1 24 | $0.42 | — |
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 | $125.3M |
| 总债务越低越好 | $17.1B | — |
| 股东权益账面价值 | $15.5B | $307.9M |
| 总资产 | $196.0B | $649.1M |
| 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ALLYHVT
| Q4 25 | $10.0B | $125.3M | ||
| Q3 25 | $10.2B | $130.5M | ||
| Q2 25 | $10.6B | $107.4M | ||
| Q1 25 | $10.4B | $111.9M | ||
| Q4 24 | $10.3B | $120.0M | ||
| Q3 24 | $8.6B | $121.2M | ||
| Q2 24 | $7.4B | $109.9M | ||
| Q1 24 | $8.2B | $111.8M |
总债务ALLYHVT
| 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ALLYHVT
| Q4 25 | $15.5B | $307.9M | ||
| Q3 25 | $15.1B | $306.0M | ||
| Q2 25 | $14.5B | $304.9M | ||
| Q1 25 | $14.2B | $305.4M | ||
| Q4 24 | $13.9B | $307.6M | ||
| Q3 24 | $14.7B | $307.8M | ||
| Q2 24 | $13.9B | $307.1M | ||
| Q1 24 | $13.7B | $306.7M |
总资产ALLYHVT
| Q4 25 | $196.0B | $649.1M | ||
| Q3 25 | $191.7B | $651.7M | ||
| Q2 25 | $189.5B | $642.7M | ||
| Q1 25 | $193.3B | $642.7M | ||
| Q4 24 | $191.8B | $648.7M | ||
| Q3 24 | $193.0B | $659.3M | ||
| Q2 24 | $192.5B | $642.1M | ||
| Q1 24 | $192.9B | $640.5M |
负债/权益比ALLYHVT
| 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 | $7.4M |
| 自由现金流经营现金流 - 资本支出 | — | $3.0M |
| 自由现金流率自由现金流/营收 | — | 1.5% |
| 资本支出强度资本支出/营收 | — | 2.2% |
| 现金转化率经营现金流/净利润 | 1.96× | 0.86× |
| 过去12个月自由现金流最近4个季度 | — | $33.0M |
8季度趋势，按日历期对齐
经营现金流ALLYHVT
| Q4 25 | $640.0M | $7.4M | ||
| Q3 25 | $1.2B | $31.9M | ||
| Q2 25 | $947.0M | $7.2M | ||
| Q1 25 | $940.0M | $6.2M | ||
| Q4 24 | $620.0M | $16.9M | ||
| Q3 24 | $992.0M | $24.4M | ||
| Q2 24 | $1.6B | $14.4M | ||
| Q1 24 | $1.3B | $3.1M |
自由现金流ALLYHVT
| Q4 25 | — | $3.0M | ||
| Q3 25 | — | $28.3M | ||
| Q2 25 | — | $1.6M | ||
| Q1 25 | — | $27.0K | ||
| Q4 24 | — | $9.1M | ||
| Q3 24 | — | $16.1M | ||
| Q2 24 | — | $4.9M | ||
| Q1 24 | — | $-3.3M |
自由现金流率ALLYHVT
| Q4 25 | — | 1.5% | ||
| Q3 25 | — | 14.6% | ||
| Q2 25 | — | 0.9% | ||
| Q1 25 | — | 0.0% | ||
| Q4 24 | — | 4.9% | ||
| Q3 24 | — | 9.2% | ||
| Q2 24 | — | 2.7% | ||
| Q1 24 | — | -1.8% |
资本支出强度ALLYHVT
| Q4 25 | — | 2.2% | ||
| Q3 25 | — | 1.8% | ||
| Q2 25 | — | 3.1% | ||
| Q1 25 | — | 3.4% | ||
| Q4 24 | — | 4.2% | ||
| Q3 24 | — | 4.7% | ||
| Q2 24 | — | 5.3% | ||
| Q1 24 | — | 3.5% |
现金转化率ALLYHVT
| Q4 25 | 1.96× | 0.86× | ||
| Q3 25 | 3.02× | 6.75× | ||
| Q2 25 | 2.69× | 2.69× | ||
| Q1 25 | — | 1.63× | ||
| Q4 24 | — | 2.06× | ||
| Q3 24 | 2.78× | 4.96× | ||
| Q2 24 | 5.36× | 3.25× | ||
| Q1 24 | 8.54× | 1.31× |
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% |
HVT
| Upholstery | $91.0M | 45% |
| Bedroom Furniture | $29.2M | 14% |
| Accessories And Other | $28.4M | 14% |
| Dining Room Furniture | $22.8M | 11% |
| Mattresses | $16.1M | 8% |
| Occasional | $14.4M | 7% |
