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Ally Financial Inc.（ALLY）与J&J SNACK FOODS CORP（JJSF）财务数据对比。点击上方公司名可切换其他公司
J&J SNACK FOODS CORP的季度营收约是Ally Financial Inc.的1.1倍（$343.8M vs $301.0M），Ally Financial Inc.净利率更高（108.6% vs 0.3%，领先108.4%），Ally Financial Inc.同比增速更快（-3.2% vs -5.2%），过去两年Ally Financial Inc.的营收复合增速更高（11.1% vs -2.2%）
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。
强生休闲食品公司（J&J Snack Foods Corp.）是美国知名的品牌休闲食品与冷冻饮品生产商、营销商及分销商，总部位于新泽西州芒特劳雷尔，在全美44个州、墨西哥及加拿大设有超175个生产、仓储及配送设施，于纳斯达克全球精选市场上市，业务覆盖国内外市场。
ALLY vs JJSF — 直观对比
营收规模更大
JJSF
是对方的1.1倍
$301.0M
营收增速更快
ALLY
高出2.0%
-5.2%
净利率更高
ALLY
高出108.4%
0.3%
两年增速更快
ALLY
近两年复合增速
-2.2%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $301.0M | $343.8M |
| 净利润 | $327.0M | $883.0K |
| 毛利率 | — | 27.9% |
| 营业利润率 | — | 0.2% |
| 净利率 | 108.6% | 0.3% |
| 营收同比 | -3.2% | -5.2% |
| 净利润同比 | 333.6% | -82.8% |
| 每股收益（稀释后） | $0.97 | $0.05 |
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ALLYJJSF
| Q4 25 | $301.0M | $343.8M | ||
| Q3 25 | $308.0M | $410.2M | ||
| Q2 25 | $312.0M | $454.3M | ||
| Q1 25 | $323.0M | $356.1M | ||
| Q4 24 | $311.0M | $362.6M | ||
| Q3 24 | $319.0M | $426.8M | ||
| Q2 24 | $324.0M | $440.0M | ||
| Q1 24 | $244.0M | $359.7M |
净利润ALLYJJSF
| Q4 25 | $327.0M | $883.0K | ||
| Q3 25 | $398.0M | $11.4M | ||
| Q2 25 | $352.0M | $44.2M | ||
| Q1 25 | $-225.0M | $4.8M | ||
| Q4 24 | $-140.0M | $5.1M | ||
| Q3 24 | $357.0M | $29.6M | ||
| Q2 24 | $294.0M | $36.3M | ||
| Q1 24 | $157.0M | $13.3M |
毛利率ALLYJJSF
| Q4 25 | — | 27.9% | ||
| Q3 25 | — | 31.7% | ||
| Q2 25 | — | 33.0% | ||
| Q1 25 | — | 26.9% | ||
| Q4 24 | — | 25.9% | ||
| Q3 24 | — | 31.8% | ||
| Q2 24 | — | 33.6% | ||
| Q1 24 | — | 30.1% |
营业利润率ALLYJJSF
| Q4 25 | — | 0.2% | ||
| Q3 25 | — | 2.8% | ||
| Q2 25 | — | 13.3% | ||
| Q1 25 | -87.9% | 1.7% | ||
| Q4 24 | 56.3% | 1.7% | ||
| Q3 24 | 73.0% | 9.3% | ||
| Q2 24 | 79.3% | 11.4% | ||
| Q1 24 | 70.1% | 5.0% |
净利率ALLYJJSF
| Q4 25 | 108.6% | 0.3% | ||
| Q3 25 | 129.2% | 2.8% | ||
| Q2 25 | 112.8% | 9.7% | ||
| Q1 25 | -69.7% | 1.4% | ||
| Q4 24 | -45.0% | 1.4% | ||
| Q3 24 | 111.9% | 6.9% | ||
| Q2 24 | 90.7% | 8.3% | ||
| Q1 24 | 64.3% | 3.7% |
每股收益（稀释后）ALLYJJSF
| Q4 25 | $0.97 | $0.05 | ||
| Q3 25 | $1.18 | $0.59 | ||
| Q2 25 | $1.04 | $2.26 | ||
| Q1 25 | $-0.82 | $0.25 | ||
| Q4 24 | $-0.54 | $0.26 | ||
| Q3 24 | $1.06 | $1.52 | ||
| Q2 24 | $0.86 | $1.87 | ||
| Q1 24 | $0.42 | $0.69 |
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 | $66.8M |
| 总债务越低越好 | $17.1B | — |
| 股东权益账面价值 | $15.5B | $912.9M |
| 总资产 | $196.0B | $1.3B |
| 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ALLYJJSF
| Q4 25 | $10.0B | $66.8M | ||
| Q3 25 | $10.2B | $105.9M | ||
| Q2 25 | $10.6B | $77.4M | ||
| Q1 25 | $10.4B | $48.5M | ||
| Q4 24 | $10.3B | $73.6M | ||
| Q3 24 | $8.6B | $73.4M | ||
| Q2 24 | $7.4B | $64.0M | ||
| Q1 24 | $8.2B | $43.6M |
总债务ALLYJJSF
| 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ALLYJJSF
| Q4 25 | $15.5B | $912.9M | ||
| Q3 25 | $15.1B | $966.7M | ||
| Q2 25 | $14.5B | $969.9M | ||
| Q1 25 | $14.2B | $935.0M | ||
| Q4 24 | $13.9B | $946.8M | ||
| Q3 24 | $14.7B | $957.0M | ||
| Q2 24 | $13.9B | $937.9M | ||
| Q1 24 | $13.7B | $915.7M |
总资产ALLYJJSF
| Q4 25 | $196.0B | $1.3B | ||
| Q3 25 | $191.7B | $1.4B | ||
| Q2 25 | $189.5B | $1.4B | ||
| Q1 25 | $193.3B | $1.4B | ||
| Q4 24 | $191.8B | $1.3B | ||
| Q3 24 | $193.0B | $1.4B | ||
| Q2 24 | $192.5B | $1.4B | ||
| Q1 24 | $192.9B | $1.3B |
负债/权益比ALLYJJSF
| 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 | $36.0M |
| 自由现金流经营现金流 - 资本支出 | — | $17.0M |
| 自由现金流率自由现金流/营收 | — | 4.9% |
| 资本支出强度资本支出/营收 | — | 5.5% |
| 现金转化率经营现金流/净利润 | 1.96× | 40.73× |
| 过去12个月自由现金流最近4个季度 | — | $83.1M |
8季度趋势，按日历期对齐
经营现金流ALLYJJSF
| Q4 25 | $640.0M | $36.0M | ||
| Q3 25 | $1.2B | $66.4M | ||
| Q2 25 | $947.0M | $51.2M | ||
| Q1 25 | $940.0M | $12.3M | ||
| Q4 24 | $620.0M | $35.2M | ||
| Q3 24 | $992.0M | $46.3M | ||
| Q2 24 | $1.6B | $65.0M | ||
| Q1 24 | $1.3B | $12.7M |
自由现金流ALLYJJSF
| Q4 25 | — | $17.0M | ||
| Q3 25 | — | $44.8M | ||
| Q2 25 | — | $28.5M | ||
| Q1 25 | — | $-7.2M | ||
| Q4 24 | — | $16.1M | ||
| Q3 24 | — | $29.1M | ||
| Q2 24 | — | $45.3M | ||
| Q1 24 | — | $-4.0M |
自由现金流率ALLYJJSF
| Q4 25 | — | 4.9% | ||
| Q3 25 | — | 10.9% | ||
| Q2 25 | — | 6.3% | ||
| Q1 25 | — | -2.0% | ||
| Q4 24 | — | 4.4% | ||
| Q3 24 | — | 6.8% | ||
| Q2 24 | — | 10.3% | ||
| Q1 24 | — | -1.1% |
资本支出强度ALLYJJSF
| Q4 25 | — | 5.5% | ||
| Q3 25 | — | 5.3% | ||
| Q2 25 | — | 5.0% | ||
| Q1 25 | — | 5.5% | ||
| Q4 24 | — | 5.3% | ||
| Q3 24 | — | 4.0% | ||
| Q2 24 | — | 4.5% | ||
| Q1 24 | — | 4.6% |
现金转化率ALLYJJSF
| Q4 25 | 1.96× | 40.73× | ||
| Q3 25 | 3.02× | 5.84× | ||
| Q2 25 | 2.69× | 1.16× | ||
| Q1 25 | — | 2.55× | ||
| Q4 24 | — | 6.84× | ||
| Q3 24 | 2.78× | 1.56× | ||
| Q2 24 | 5.36× | 1.79× | ||
| Q1 24 | 8.54× | 0.96× |
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% |
JJSF
| Food Service | $219.2M | 64% |
| Frozen Beverages | $78.7M | 23% |
| Repair And Maintenance Service | $22.5M | 7% |
| Other | $12.7M | 4% |
| Machine Sales | $10.7M | 3% |
