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Ally Financial Inc.（ALLY）与IBEX Ltd（IBEX）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IBEX Ltd的1.8倍（$301.0M vs $164.2M），Ally Financial Inc.净利率更高（108.6% vs 7.4%，领先101.2%），IBEX Ltd同比增速更快（16.7% vs -3.2%），过去两年IBEX Ltd的营收复合增速更高（13.8% 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。
IBEX 35是西班牙主要交易所马德里证券交易所的基准股票指数，该指数始创于1992年，由西班牙证券市场集团BME旗下的交易所公司负责计算与管理。它以市值加权编制，涵盖马德里证券交易所流动性最高的35只西班牙股票，每年进行两次成分股调整。
ALLY vs IBEX — 直观对比
营收规模更大
ALLY
是对方的1.8倍
$164.2M
营收增速更快
IBEX
高出19.9%
-3.2%
净利率更高
ALLY
高出101.2%
7.4%
两年增速更快
IBEX
近两年复合增速
11.1%
损益表 — Q4 FY2025 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $301.0M | $164.2M |
| 净利润 | $327.0M | $12.2M |
| 毛利率 | — | — |
| 营业利润率 | — | 9.3% |
| 净利率 | 108.6% | 7.4% |
| 营收同比 | -3.2% | 16.7% |
| 净利润同比 | 333.6% | 31.8% |
| 每股收益（稀释后） | $0.97 | $0.83 |
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ALLYIBEX
| Q4 25 | $301.0M | $164.2M | ||
| Q3 25 | $308.0M | $151.2M | ||
| Q2 25 | $312.0M | $147.1M | ||
| Q1 25 | $323.0M | $140.7M | ||
| Q4 24 | $311.0M | $140.7M | ||
| Q3 24 | $319.0M | $129.7M | ||
| Q2 24 | $324.0M | $124.5M | ||
| Q1 24 | $244.0M | $126.8M |
净利润ALLYIBEX
| Q4 25 | $327.0M | $12.2M | ||
| Q3 25 | $398.0M | $12.0M | ||
| Q2 25 | $352.0M | $9.6M | ||
| Q1 25 | $-225.0M | $10.5M | ||
| Q4 24 | $-140.0M | $9.3M | ||
| Q3 24 | $357.0M | $7.5M | ||
| Q2 24 | $294.0M | $9.8M | ||
| Q1 24 | $157.0M | $10.3M |
营业利润率ALLYIBEX
| Q4 25 | — | 9.3% | ||
| Q3 25 | — | 9.1% | ||
| Q2 25 | — | 8.3% | ||
| Q1 25 | -87.9% | 9.5% | ||
| Q4 24 | 56.3% | 8.5% | ||
| Q3 24 | 73.0% | 7.0% | ||
| Q2 24 | 79.3% | 10.3% | ||
| Q1 24 | 70.1% | 8.9% |
净利率ALLYIBEX
| Q4 25 | 108.6% | 7.4% | ||
| Q3 25 | 129.2% | 8.0% | ||
| Q2 25 | 112.8% | 6.5% | ||
| Q1 25 | -69.7% | 7.4% | ||
| Q4 24 | -45.0% | 6.6% | ||
| Q3 24 | 111.9% | 5.8% | ||
| Q2 24 | 90.7% | 7.9% | ||
| Q1 24 | 64.3% | 8.1% |
每股收益（稀释后）ALLYIBEX
| Q4 25 | $0.97 | $0.83 | ||
| Q3 25 | $1.18 | $0.82 | ||
| Q2 25 | $1.04 | $0.63 | ||
| Q1 25 | $-0.82 | $0.73 | ||
| Q4 24 | $-0.54 | $0.57 | ||
| Q3 24 | $1.06 | $0.43 | ||
| Q2 24 | $0.86 | $0.55 | ||
| Q1 24 | $0.42 | $0.57 |
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 | $15.5M |
| 总债务越低越好 | $17.1B | $594.0K |
| 股东权益账面价值 | $15.5B | $154.5M |
| 总资产 | $196.0B | $295.8M |
| 负债/权益比越低杠杆越低 | 1.10× | 0.00× |
8季度趋势，按日历期对齐
现金及短期投资ALLYIBEX
| Q4 25 | $10.0B | $15.5M | ||
| Q3 25 | $10.2B | $22.7M | ||
| Q2 25 | $10.6B | $15.3M | ||
| Q1 25 | $10.4B | $13.0M | ||
| Q4 24 | $10.3B | $20.2M | ||
| Q3 24 | $8.6B | $62.3M | ||
| Q2 24 | $7.4B | $62.7M | ||
| Q1 24 | $8.2B | $50.7M |
总债务ALLYIBEX
| Q4 25 | $17.1B | $594.0K | ||
| Q3 25 | $16.7B | $726.0K | ||
| Q2 25 | $15.9B | $796.0K | ||
| Q1 25 | $16.5B | $735.0K | ||
| Q4 24 | $17.5B | $695.0K | ||
| Q3 24 | $16.8B | $802.0K | ||
| Q2 24 | $16.0B | $867.0K | ||
| Q1 24 | $17.0B | $820.0K |
股东权益ALLYIBEX
| Q4 25 | $15.5B | $154.5M | ||
| Q3 25 | $15.1B | $143.6M | ||
| Q2 25 | $14.5B | $134.3M | ||
| Q1 25 | $14.2B | $124.2M | ||
| Q4 24 | $13.9B | $108.9M | ||
| Q3 24 | $14.7B | $171.1M | ||
| Q2 24 | $13.9B | $165.8M | ||
| Q1 24 | $13.7B | $159.3M |
总资产ALLYIBEX
| Q4 25 | $196.0B | $295.8M | ||
| Q3 25 | $191.7B | $283.9M | ||
| Q2 25 | $189.5B | $273.2M | ||
| Q1 25 | $193.3B | $274.7M | ||
| Q4 24 | $191.8B | $272.5M | ||
| Q3 24 | $193.0B | $306.3M | ||
| Q2 24 | $192.5B | $293.9M | ||
| Q1 24 | $192.9B | $289.6M |
负债/权益比ALLYIBEX
| Q4 25 | 1.10× | 0.00× | ||
| Q3 25 | 1.11× | 0.01× | ||
| Q2 25 | 1.09× | 0.01× | ||
| Q1 25 | 1.16× | 0.01× | ||
| Q4 24 | 1.26× | 0.01× | ||
| Q3 24 | 1.14× | 0.00× | ||
| Q2 24 | 1.15× | 0.01× | ||
| Q1 24 | 1.25× | 0.01× |
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 | $6.6M |
| 自由现金流经营现金流 - 资本支出 | — | $-5.1M |
| 自由现金流率自由现金流/营收 | — | -3.1% |
| 资本支出强度资本支出/营收 | — | 7.1% |
| 现金转化率经营现金流/净利润 | 1.96× | 0.54× |
| 过去12个月自由现金流最近4个季度 | — | $29.3M |
8季度趋势，按日历期对齐
经营现金流ALLYIBEX
| Q4 25 | $640.0M | $6.6M | ||
| Q3 25 | $1.2B | $15.7M | ||
| Q2 25 | $947.0M | $27.9M | ||
| Q1 25 | $940.0M | $8.8M | ||
| Q4 24 | $620.0M | $1.1M | ||
| Q3 24 | $992.0M | $7.8M | ||
| Q2 24 | $1.6B | $17.4M | ||
| Q1 24 | $1.3B | $11.4M |
自由现金流ALLYIBEX
| Q4 25 | — | $-5.1M | ||
| Q3 25 | — | $8.0M | ||
| Q2 25 | — | $22.8M | ||
| Q1 25 | — | $3.6M | ||
| Q4 24 | — | $-3.2M | ||
| Q3 24 | — | $4.1M | ||
| Q2 24 | — | $15.2M | ||
| Q1 24 | — | $9.7M |
自由现金流率ALLYIBEX
| Q4 25 | — | -3.1% | ||
| Q3 25 | — | 5.3% | ||
| Q2 25 | — | 15.5% | ||
| Q1 25 | — | 2.5% | ||
| Q4 24 | — | -2.3% | ||
| Q3 24 | — | 3.2% | ||
| Q2 24 | — | 12.2% | ||
| Q1 24 | — | 7.7% |
资本支出强度ALLYIBEX
| Q4 25 | — | 7.1% | ||
| Q3 25 | — | 5.1% | ||
| Q2 25 | — | 3.5% | ||
| Q1 25 | — | 3.7% | ||
| Q4 24 | — | 3.1% | ||
| Q3 24 | — | 2.8% | ||
| Q2 24 | — | 1.8% | ||
| Q1 24 | — | 1.3% |
现金转化率ALLYIBEX
| Q4 25 | 1.96× | 0.54× | ||
| Q3 25 | 3.02× | 1.30× | ||
| Q2 25 | 2.69× | 2.91× | ||
| Q1 25 | — | 0.84× | ||
| Q4 24 | — | 0.12× | ||
| Q3 24 | 2.78× | 1.03× | ||
| Q2 24 | 5.36× | 1.77× | ||
| Q1 24 | 8.54× | 1.11× |
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% |
IBEX
| Transferred Over Time | $147.1M | 90% |
| Transferred At Point In Time | $17.1M | 10% |
