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Ally Financial Inc.（ALLY）与INTERPARFUMS INC（IPAR）财务数据对比。点击上方公司名可切换其他公司
INTERPARFUMS INC的季度营收约是Ally Financial Inc.的1.3倍（$386.2M vs $301.0M），Ally Financial Inc.净利率更高（108.6% vs 7.3%，领先101.4%），INTERPARFUMS INC同比增速更快（6.8% vs -3.2%），过去两年Ally Financial Inc.的营收复合增速更高（11.1% vs 9.2%）
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。
Inter Parfums Inc是全球知名的高端香水企业，开发、生产并销售多款授权香水、身体护理及相关美妆产品，与多家顶级奢侈时尚生活方式品牌合作推出联名香氛系列，产品覆盖全球主要市场，通过百货、美妆专营店及官方电商渠道触达消费者。
ALLY vs IPAR — 直观对比
营收规模更大
IPAR
是对方的1.3倍
$301.0M
营收增速更快
IPAR
高出10.0%
-3.2%
净利率更高
ALLY
高出101.4%
7.3%
两年增速更快
ALLY
近两年复合增速
9.2%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $301.0M | $386.2M |
| 净利润 | $327.0M | $28.1M |
| 毛利率 | — | 61.5% |
| 营业利润率 | — | 7.1% |
| 净利率 | 108.6% | 7.3% |
| 营收同比 | -3.2% | 6.8% |
| 净利润同比 | 333.6% | 16.0% |
| 每股收益（稀释后） | $0.97 | $0.88 |
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ALLYIPAR
| Q4 25 | $301.0M | $386.2M | ||
| Q3 25 | $308.0M | $429.6M | ||
| Q2 25 | $312.0M | $333.9M | ||
| Q1 25 | $323.0M | $338.8M | ||
| Q4 24 | $311.0M | $361.5M | ||
| Q3 24 | $319.0M | $424.6M | ||
| Q2 24 | $324.0M | $342.2M | ||
| Q1 24 | $244.0M | $324.0M |
净利润ALLYIPAR
| Q4 25 | $327.0M | $28.1M | ||
| Q3 25 | $398.0M | $65.8M | ||
| Q2 25 | $352.0M | $32.0M | ||
| Q1 25 | $-225.0M | $42.5M | ||
| Q4 24 | $-140.0M | $24.2M | ||
| Q3 24 | $357.0M | $62.3M | ||
| Q2 24 | $294.0M | $36.8M | ||
| Q1 24 | $157.0M | $41.0M |
毛利率ALLYIPAR
| Q4 25 | — | 61.5% | ||
| Q3 25 | — | 63.5% | ||
| Q2 25 | — | 66.2% | ||
| Q1 25 | — | 63.7% | ||
| Q4 24 | — | 64.5% | ||
| Q3 24 | — | 63.9% | ||
| Q2 24 | — | 64.5% | ||
| Q1 24 | — | 62.5% |
营业利润率ALLYIPAR
| Q4 25 | — | 7.1% | ||
| Q3 25 | — | 25.3% | ||
| Q2 25 | — | 17.7% | ||
| Q1 25 | -87.9% | 22.2% | ||
| Q4 24 | 56.3% | 10.0% | ||
| Q3 24 | 73.0% | 25.0% | ||
| Q2 24 | 79.3% | 18.9% | ||
| Q1 24 | 70.1% | 21.0% |
净利率ALLYIPAR
| Q4 25 | 108.6% | 7.3% | ||
| Q3 25 | 129.2% | 15.3% | ||
| Q2 25 | 112.8% | 9.6% | ||
| Q1 25 | -69.7% | 12.5% | ||
| Q4 24 | -45.0% | 6.7% | ||
| Q3 24 | 111.9% | 14.7% | ||
| Q2 24 | 90.7% | 10.8% | ||
| Q1 24 | 64.3% | 12.7% |
每股收益（稀释后）ALLYIPAR
| Q4 25 | $0.97 | $0.88 | ||
| Q3 25 | $1.18 | $2.05 | ||
| Q2 25 | $1.04 | $0.99 | ||
| Q1 25 | $-0.82 | $1.32 | ||
| Q4 24 | $-0.54 | $0.78 | ||
| Q3 24 | $1.06 | $1.93 | ||
| Q2 24 | $0.86 | $1.14 | ||
| Q1 24 | $0.42 | $1.27 |
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 | $137.1M |
| 总债务越低越好 | $17.1B | $176.0M |
| 股东权益账面价值 | $15.5B | $880.7M |
| 总资产 | $196.0B | $1.6B |
| 负债/权益比越低杠杆越低 | 1.10× | 0.20× |
8季度趋势，按日历期对齐
现金及短期投资ALLYIPAR
| Q4 25 | $10.0B | $137.1M | ||
| Q3 25 | $10.2B | $77.5M | ||
| Q2 25 | $10.6B | $53.9M | ||
| Q1 25 | $10.4B | $75.3M | ||
| Q4 24 | $10.3B | $109.3M | ||
| Q3 24 | $8.6B | $78.8M | ||
| Q2 24 | $7.4B | $37.7M | ||
| Q1 24 | $8.2B | $76.1M |
总债务ALLYIPAR
| Q4 25 | $17.1B | $176.0M | ||
| Q3 25 | $16.7B | — | ||
| Q2 25 | $15.9B | — | ||
| Q1 25 | $16.5B | — | ||
| Q4 24 | $17.5B | $157.3M | ||
| Q3 24 | $16.8B | — | ||
| Q2 24 | $16.0B | — | ||
| Q1 24 | $17.0B | — |
股东权益ALLYIPAR
| Q4 25 | $15.5B | $880.7M | ||
| Q3 25 | $15.1B | $870.9M | ||
| Q2 25 | $14.5B | $839.4M | ||
| Q1 25 | $14.2B | $788.6M | ||
| Q4 24 | $13.9B | $744.9M | ||
| Q3 24 | $14.7B | $778.5M | ||
| Q2 24 | $13.9B | $717.1M | ||
| Q1 24 | $13.7B | $708.1M |
总资产ALLYIPAR
| Q4 25 | $196.0B | $1.6B | ||
| Q3 25 | $191.7B | $1.6B | ||
| Q2 25 | $189.5B | $1.6B | ||
| Q1 25 | $193.3B | $1.4B | ||
| Q4 24 | $191.8B | $1.4B | ||
| Q3 24 | $193.0B | $1.5B | ||
| Q2 24 | $192.5B | $1.4B | ||
| Q1 24 | $192.9B | $1.3B |
负债/权益比ALLYIPAR
| Q4 25 | 1.10× | 0.20× | ||
| Q3 25 | 1.11× | — | ||
| Q2 25 | 1.09× | — | ||
| Q1 25 | 1.16× | — | ||
| Q4 24 | 1.26× | 0.21× | ||
| 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 | $146.5M |
| 自由现金流经营现金流 - 资本支出 | — | $145.0M |
| 自由现金流率自由现金流/营收 | — | 37.5% |
| 资本支出强度资本支出/营收 | — | 0.4% |
| 现金转化率经营现金流/净利润 | 1.96× | 5.21× |
| 过去12个月自由现金流最近4个季度 | — | $190.5M |
8季度趋势，按日历期对齐
经营现金流ALLYIPAR
| Q4 25 | $640.0M | $146.5M | ||
| Q3 25 | $1.2B | $63.9M | ||
| Q2 25 | $947.0M | $11.9M | ||
| Q1 25 | $940.0M | $-7.4M | ||
| Q4 24 | $620.0M | $138.0M | ||
| Q3 24 | $992.0M | $76.1M | ||
| Q2 24 | $1.6B | $25.5M | ||
| Q1 24 | $1.3B | $-52.0M |
自由现金流ALLYIPAR
| Q4 25 | — | $145.0M | ||
| Q3 25 | — | $57.6M | ||
| Q2 25 | — | $-3.3M | ||
| Q1 25 | — | $-8.8M | ||
| Q4 24 | — | $136.1M | ||
| Q3 24 | — | $75.4M | ||
| Q2 24 | — | $24.4M | ||
| Q1 24 | — | $-53.0M |
自由现金流率ALLYIPAR
| Q4 25 | — | 37.5% | ||
| Q3 25 | — | 13.4% | ||
| Q2 25 | — | -1.0% | ||
| Q1 25 | — | -2.6% | ||
| Q4 24 | — | 37.7% | ||
| Q3 24 | — | 17.8% | ||
| Q2 24 | — | 7.1% | ||
| Q1 24 | — | -16.4% |
资本支出强度ALLYIPAR
| Q4 25 | — | 0.4% | ||
| Q3 25 | — | 1.5% | ||
| Q2 25 | — | 4.5% | ||
| Q1 25 | — | 0.4% | ||
| Q4 24 | — | 0.5% | ||
| Q3 24 | — | 0.2% | ||
| Q2 24 | — | 0.3% | ||
| Q1 24 | — | 0.3% |
现金转化率ALLYIPAR
| Q4 25 | 1.96× | 5.21× | ||
| Q3 25 | 3.02× | 0.97× | ||
| Q2 25 | 2.69× | 0.37× | ||
| Q1 25 | — | -0.17× | ||
| Q4 24 | — | 5.69× | ||
| Q3 24 | 2.78× | 1.22× | ||
| Q2 24 | 5.36× | 0.69× | ||
| Q1 24 | 8.54× | -1.27× |
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% |
IPAR
| European Based Operations | $232.7M | 60% |
| United States Based Operations | $155.2M | 40% |
