vs
Ally Financial Inc.（ALLY）与KADANT INC（KAI）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KADANT INC的1.1倍（$301.0M vs $271.6M），Ally Financial Inc.净利率更高（108.6% vs 10.2%，领先98.4%），KADANT INC同比增速更快（-0.0% vs -3.2%），过去两年Ally Financial Inc.的营收复合增速更高（11.1% vs 6.7%）
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。
Kadant Inc.创立于1991年，最初是Thermo Electron的子公司，部分股权私有、部分公开交易，2001年完成完全分拆并启用现名。公司服务于造纸、废纸回收、木材加工、物料搬运等多个加工领域，是业务覆盖亚洲、欧洲、北美、南美的跨国企业。
ALLY vs KAI — 直观对比
营收规模更大
ALLY
是对方的1.1倍
$271.6M
营收增速更快
KAI
高出3.2%
-3.2%
净利率更高
ALLY
高出98.4%
10.2%
两年增速更快
ALLY
近两年复合增速
6.7%
损益表 — Q4 FY2025 vs Q3 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $301.0M | $271.6M |
| 净利润 | $327.0M | $27.7M |
| 毛利率 | — | 45.2% |
| 营业利润率 | — | 15.7% |
| 净利率 | 108.6% | 10.2% |
| 营收同比 | -3.2% | -0.0% |
| 净利润同比 | 333.6% | -12.2% |
| 每股收益（稀释后） | $0.97 | $2.35 |
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ALLYKAI
| Q4 25 | $301.0M | — | ||
| Q3 25 | $308.0M | $271.6M | ||
| Q2 25 | $312.0M | $255.3M | ||
| Q1 25 | $323.0M | $239.2M | ||
| Q4 24 | $311.0M | $258.0M | ||
| Q3 24 | $319.0M | $271.6M | ||
| Q2 24 | $324.0M | $274.8M | ||
| Q1 24 | $244.0M | $249.0M |
净利润ALLYKAI
| Q4 25 | $327.0M | — | ||
| Q3 25 | $398.0M | $27.7M | ||
| Q2 25 | $352.0M | $26.2M | ||
| Q1 25 | $-225.0M | $24.1M | ||
| Q4 24 | $-140.0M | $24.0M | ||
| Q3 24 | $357.0M | $31.6M | ||
| Q2 24 | $294.0M | $31.3M | ||
| Q1 24 | $157.0M | $24.7M |
毛利率ALLYKAI
| Q4 25 | — | — | ||
| Q3 25 | — | 45.2% | ||
| Q2 25 | — | 45.9% | ||
| Q1 25 | — | 46.1% | ||
| Q4 24 | — | 43.4% | ||
| Q3 24 | — | 44.7% | ||
| Q2 24 | — | 44.4% | ||
| Q1 24 | — | 44.6% |
营业利润率ALLYKAI
| Q4 25 | — | — | ||
| Q3 25 | — | 15.7% | ||
| Q2 25 | — | 15.4% | ||
| Q1 25 | -87.9% | 14.9% | ||
| Q4 24 | 56.3% | 14.3% | ||
| Q3 24 | 73.0% | 18.0% | ||
| Q2 24 | 79.3% | 17.6% | ||
| Q1 24 | 70.1% | 14.8% |
净利率ALLYKAI
| Q4 25 | 108.6% | — | ||
| Q3 25 | 129.2% | 10.2% | ||
| Q2 25 | 112.8% | 10.2% | ||
| Q1 25 | -69.7% | 10.1% | ||
| Q4 24 | -45.0% | 9.3% | ||
| Q3 24 | 111.9% | 11.6% | ||
| Q2 24 | 90.7% | 11.4% | ||
| Q1 24 | 64.3% | 9.9% |
每股收益（稀释后）ALLYKAI
| Q4 25 | $0.97 | — | ||
| Q3 25 | $1.18 | $2.35 | ||
| Q2 25 | $1.04 | $2.22 | ||
| Q1 25 | $-0.82 | $2.04 | ||
| Q4 24 | $-0.54 | $2.04 | ||
| Q3 24 | $1.06 | $2.68 | ||
| Q2 24 | $0.86 | $2.66 | ||
| Q1 24 | $0.42 | $2.10 |
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 | $124.5M |
| 总债务越低越好 | $17.1B | $254.6M |
| 股东权益账面价值 | $15.5B | $949.8M |
| 总资产 | $196.0B | $1.5B |
| 负债/权益比越低杠杆越低 | 1.10× | 0.27× |
8季度趋势，按日历期对齐
现金及短期投资ALLYKAI
| Q4 25 | $10.0B | — | ||
| Q3 25 | $10.2B | $124.5M | ||
| Q2 25 | $10.6B | $95.3M | ||
| Q1 25 | $10.4B | $91.7M | ||
| Q4 24 | $10.3B | $94.7M | ||
| Q3 24 | $8.6B | $88.4M | ||
| Q2 24 | $7.4B | $73.8M | ||
| Q1 24 | $8.2B | $81.4M |
总债务ALLYKAI
| Q4 25 | $17.1B | — | ||
| Q3 25 | $16.7B | $254.6M | ||
| Q2 25 | $15.9B | $245.7M | ||
| Q1 25 | $16.5B | $273.5M | ||
| Q4 24 | $17.5B | $285.2M | ||
| Q3 24 | $16.8B | $323.2M | ||
| Q2 24 | $16.0B | $342.0M | ||
| Q1 24 | $17.0B | $306.8M |
股东权益ALLYKAI
| Q4 25 | $15.5B | — | ||
| Q3 25 | $15.1B | $949.8M | ||
| Q2 25 | $14.5B | $926.0M | ||
| Q1 25 | $14.2B | $876.0M | ||
| Q4 24 | $13.9B | $847.1M | ||
| Q3 24 | $14.7B | $851.7M | ||
| Q2 24 | $13.9B | $807.7M | ||
| Q1 24 | $13.7B | $782.7M |
总资产ALLYKAI
| Q4 25 | $196.0B | — | ||
| Q3 25 | $191.7B | $1.5B | ||
| Q2 25 | $189.5B | $1.5B | ||
| Q1 25 | $193.3B | $1.4B | ||
| Q4 24 | $191.8B | $1.4B | ||
| Q3 24 | $193.0B | $1.5B | ||
| Q2 24 | $192.5B | $1.5B | ||
| Q1 24 | $192.9B | $1.4B |
负债/权益比ALLYKAI
| Q4 25 | 1.10× | — | ||
| Q3 25 | 1.11× | 0.27× | ||
| Q2 25 | 1.09× | 0.27× | ||
| Q1 25 | 1.16× | 0.31× | ||
| Q4 24 | 1.26× | 0.34× | ||
| Q3 24 | 1.14× | 0.38× | ||
| Q2 24 | 1.15× | 0.42× | ||
| Q1 24 | 1.25× | 0.39× |
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 | $47.3M |
| 自由现金流经营现金流 - 资本支出 | — | $44.1M |
| 自由现金流率自由现金流/营收 | — | 16.2% |
| 资本支出强度资本支出/营收 | — | 1.2% |
| 现金转化率经营现金流/净利润 | 1.96× | 1.70× |
| 过去12个月自由现金流最近4个季度 | — | $145.9M |
8季度趋势，按日历期对齐
经营现金流ALLYKAI
| Q4 25 | $640.0M | — | ||
| Q3 25 | $1.2B | $47.3M | ||
| Q2 25 | $947.0M | $40.5M | ||
| Q1 25 | $940.0M | $22.8M | ||
| Q4 24 | $620.0M | $51.9M | ||
| Q3 24 | $992.0M | $52.5M | ||
| Q2 24 | $1.6B | $28.1M | ||
| Q1 24 | $1.3B | $22.8M |
自由现金流ALLYKAI
| Q4 25 | — | — | ||
| Q3 25 | — | $44.1M | ||
| Q2 25 | — | $36.5M | ||
| Q1 25 | — | $19.0M | ||
| Q4 24 | — | $46.3M | ||
| Q3 24 | — | $48.3M | ||
| Q2 24 | — | $23.1M | ||
| Q1 24 | — | $16.6M |
自由现金流率ALLYKAI
| Q4 25 | — | — | ||
| Q3 25 | — | 16.2% | ||
| Q2 25 | — | 14.3% | ||
| Q1 25 | — | 7.9% | ||
| Q4 24 | — | 17.9% | ||
| Q3 24 | — | 17.8% | ||
| Q2 24 | — | 8.4% | ||
| Q1 24 | — | 6.7% |
资本支出强度ALLYKAI
| Q4 25 | — | — | ||
| Q3 25 | — | 1.2% | ||
| Q2 25 | — | 1.6% | ||
| Q1 25 | — | 1.6% | ||
| Q4 24 | — | 2.2% | ||
| Q3 24 | — | 1.5% | ||
| Q2 24 | — | 1.8% | ||
| Q1 24 | — | 2.5% |
现金转化率ALLYKAI
| Q4 25 | 1.96× | — | ||
| Q3 25 | 3.02× | 1.70× | ||
| Q2 25 | 2.69× | 1.55× | ||
| Q1 25 | — | 0.95× | ||
| Q4 24 | — | 2.16× | ||
| Q3 24 | 2.78× | 1.66× | ||
| Q2 24 | 5.36× | 0.90× | ||
| Q1 24 | 8.54× | 0.92× |
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% |
KAI
| Flow Control | $94.8M | 35% |
| Capital | $83.2M | 31% |
| Material Handling Systems | $70.3M | 26% |
| Transferred Over Time | $17.1M | 6% |
| Other | $6.1M | 2% |
