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Ally Financial Inc.（ALLY）与IDACORP INC（IDA）财务数据对比。点击上方公司名可切换其他公司
IDACORP INC的季度营收约是Ally Financial Inc.的1.2倍（$360.1M vs $301.0M），Ally Financial Inc.净利率更高（108.6% vs 12.1%，领先96.5%），Ally Financial Inc.同比增速更快（-3.2% vs -4.2%），过去两年Ally Financial Inc.的营收复合增速更高（11.1% vs -7.2%）
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。
IDACORP Inc是注册于美国爱达荷州、总部设在博伊西的电力控股企业，成立于1998年10月1日，旗下拥有爱达荷电力公司、IDACORP金融公司及Ida-West能源公司，业务覆盖电力供应、能源服务及相关配套金融服务领域。
ALLY vs IDA — 直观对比
营收规模更大
IDA
是对方的1.2倍
$301.0M
营收增速更快
ALLY
高出1.0%
-4.2%
净利率更高
ALLY
高出96.5%
12.1%
两年增速更快
ALLY
近两年复合增速
-7.2%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $301.0M | $360.1M |
| 净利润 | $327.0M | $43.6M |
| 毛利率 | — | — |
| 营业利润率 | — | 14.9% |
| 净利率 | 108.6% | 12.1% |
| 营收同比 | -3.2% | -4.2% |
| 净利润同比 | 333.6% | 15.1% |
| 每股收益（稀释后） | $0.97 | $0.78 |
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ALLYIDA
| Q4 25 | $301.0M | $360.1M | ||
| Q3 25 | $308.0M | $526.4M | ||
| Q2 25 | $312.0M | $449.3M | ||
| Q1 25 | $323.0M | $411.1M | ||
| Q4 24 | $311.0M | $375.9M | ||
| Q3 24 | $319.0M | $532.5M | ||
| Q2 24 | $324.0M | $442.6M | ||
| Q1 24 | $244.0M | $417.9M |
净利润ALLYIDA
| Q4 25 | $327.0M | $43.6M | ||
| Q3 25 | $398.0M | $124.4M | ||
| Q2 25 | $352.0M | $95.8M | ||
| Q1 25 | $-225.0M | $59.6M | ||
| Q4 24 | $-140.0M | $37.9M | ||
| Q3 24 | $357.0M | $113.6M | ||
| Q2 24 | $294.0M | $89.5M | ||
| Q1 24 | $157.0M | $48.2M |
营业利润率ALLYIDA
| Q4 25 | — | 14.9% | ||
| Q3 25 | — | 27.5% | ||
| Q2 25 | — | 22.4% | ||
| Q1 25 | -87.9% | 13.4% | ||
| Q4 24 | 56.3% | 11.0% | ||
| Q3 24 | 73.0% | 25.1% | ||
| Q2 24 | 79.3% | 23.3% | ||
| Q1 24 | 70.1% | 11.9% |
净利率ALLYIDA
| Q4 25 | 108.6% | 12.1% | ||
| Q3 25 | 129.2% | 23.6% | ||
| Q2 25 | 112.8% | 21.3% | ||
| Q1 25 | -69.7% | 14.5% | ||
| Q4 24 | -45.0% | 10.1% | ||
| Q3 24 | 111.9% | 21.3% | ||
| Q2 24 | 90.7% | 20.2% | ||
| Q1 24 | 64.3% | 11.5% |
每股收益（稀释后）ALLYIDA
| Q4 25 | $0.97 | $0.78 | ||
| Q3 25 | $1.18 | $2.26 | ||
| Q2 25 | $1.04 | $1.76 | ||
| Q1 25 | $-0.82 | $1.10 | ||
| Q4 24 | $-0.54 | $0.72 | ||
| Q3 24 | $1.06 | $2.12 | ||
| Q2 24 | $0.86 | $1.71 | ||
| Q1 24 | $0.42 | $0.95 |
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 | $215.7M |
| 总债务越低越好 | $17.1B | $3.3B |
| 股东权益账面价值 | $15.5B | $3.6B |
| 总资产 | $196.0B | $10.2B |
| 负债/权益比越低杠杆越低 | 1.10× | 0.93× |
8季度趋势，按日历期对齐
现金及短期投资ALLYIDA
| Q4 25 | $10.0B | $215.7M | ||
| Q3 25 | $10.2B | $333.2M | ||
| Q2 25 | $10.6B | $474.5M | ||
| Q1 25 | $10.4B | $634.5M | ||
| Q4 24 | $10.3B | $368.9M | ||
| Q3 24 | $8.6B | $427.9M | ||
| Q2 24 | $7.4B | $169.6M | ||
| Q1 24 | $8.2B | $157.6M |
总债务ALLYIDA
| Q4 25 | $17.1B | $3.3B | ||
| Q3 25 | $16.7B | — | ||
| Q2 25 | $15.9B | — | ||
| Q1 25 | $16.5B | — | ||
| Q4 24 | $17.5B | $3.1B | ||
| Q3 24 | $16.8B | — | ||
| Q2 24 | $16.0B | — | ||
| Q1 24 | $17.0B | — |
股东权益ALLYIDA
| Q4 25 | $15.5B | $3.6B | ||
| Q3 25 | $15.1B | $3.5B | ||
| Q2 25 | $14.5B | $3.4B | ||
| Q1 25 | $14.2B | $3.3B | ||
| Q4 24 | $13.9B | $3.3B | ||
| Q3 24 | $14.7B | $3.3B | ||
| Q2 24 | $13.9B | $3.2B | ||
| Q1 24 | $13.7B | $2.9B |
总资产ALLYIDA
| Q4 25 | $196.0B | $10.2B | ||
| Q3 25 | $191.7B | $10.1B | ||
| Q2 25 | $189.5B | $9.9B | ||
| Q1 25 | $193.3B | $9.6B | ||
| Q4 24 | $191.8B | $9.2B | ||
| Q3 24 | $193.0B | $9.1B | ||
| Q2 24 | $192.5B | $8.7B | ||
| Q1 24 | $192.9B | $8.3B |
负债/权益比ALLYIDA
| Q4 25 | 1.10× | 0.93× | ||
| Q3 25 | 1.11× | — | ||
| Q2 25 | 1.09× | — | ||
| Q1 25 | 1.16× | — | ||
| Q4 24 | 1.26× | 0.92× | ||
| 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 | $137.8M |
| 自由现金流经营现金流 - 资本支出 | — | $-216.2M |
| 自由现金流率自由现金流/营收 | — | -60.0% |
| 资本支出强度资本支出/营收 | — | 98.3% |
| 现金转化率经营现金流/净利润 | 1.96× | 3.16× |
| 过去12个月自由现金流最近4个季度 | — | $-577.5M |
8季度趋势，按日历期对齐
经营现金流ALLYIDA
| Q4 25 | $640.0M | $137.8M | ||
| Q3 25 | $1.2B | $162.8M | ||
| Q2 25 | $947.0M | $176.9M | ||
| Q1 25 | $940.0M | $124.3M | ||
| Q4 24 | $620.0M | $136.4M | ||
| Q3 24 | $992.0M | $201.9M | ||
| Q2 24 | $1.6B | $146.4M | ||
| Q1 24 | $1.3B | $109.7M |
自由现金流ALLYIDA
| Q4 25 | — | $-216.2M | ||
| Q3 25 | — | $-127.9M | ||
| Q2 25 | — | $-156.4M | ||
| Q1 25 | — | $-77.0M | ||
| Q4 24 | — | $-48.9M | ||
| Q3 24 | — | $-16.1M | ||
| Q2 24 | — | $-199.6M | ||
| Q1 24 | — | $-150.3M |
自由现金流率ALLYIDA
| Q4 25 | — | -60.0% | ||
| Q3 25 | — | -24.3% | ||
| Q2 25 | — | -34.8% | ||
| Q1 25 | — | -18.7% | ||
| Q4 24 | — | -13.0% | ||
| Q3 24 | — | -3.0% | ||
| Q2 24 | — | -45.1% | ||
| Q1 24 | — | -36.0% |
资本支出强度ALLYIDA
| Q4 25 | — | 98.3% | ||
| Q3 25 | — | 55.2% | ||
| Q2 25 | — | 74.2% | ||
| Q1 25 | — | 49.0% | ||
| Q4 24 | — | 49.3% | ||
| Q3 24 | — | 41.0% | ||
| Q2 24 | — | 78.2% | ||
| Q1 24 | — | 62.2% |
现金转化率ALLYIDA
| Q4 25 | 1.96× | 3.16× | ||
| Q3 25 | 3.02× | 1.31× | ||
| Q2 25 | 2.69× | 1.85× | ||
| Q1 25 | — | 2.08× | ||
| Q4 24 | — | 3.60× | ||
| Q3 24 | 2.78× | 1.78× | ||
| Q2 24 | 5.36× | 1.63× | ||
| Q1 24 | 8.54× | 2.28× |
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% |
IDA
| Retailrevenues | $323.0M | 90% |
| Transmissionserviceswheeling | $18.6M | 5% |
| Energyefficiencyprogramrevenues | $11.7M | 3% |
| Wholesaleenergysales | $10.5M | 3% |
| Otherrevenues | $9.5M | 3% |
