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Ally Financial Inc.（ALLY）与百胜餐饮集团（LCUT）财务数据对比。点击上方公司名可切换其他公司
Ally Financial Inc.的季度营收约是百胜餐饮集团的1.5倍（$301.0M vs $204.1M），Ally Financial Inc.净利率更高（108.6% vs 8.9%，领先99.7%），Ally Financial Inc.同比增速更快（-3.2% vs -5.2%），过去两年百胜餐饮集团的营收复合增速更高（19.8% 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。
百胜餐饮集团是美国跨国快餐企业，1977年百事可乐收购肯德基、必胜客、塔可Bell后将其整合为旗下子公司，1997年百事剥离该业务板块后正式独立为百胜集团。集团目前运营肯德基、必胜客、塔可Bell、哈比特汉堡等多个餐饮品牌，同时布局相关餐饮科技业务，门店网络遍布全球多个国家和地区。
ALLY vs LCUT — 直观对比
营收规模更大
ALLY
是对方的1.5倍
$204.1M
营收增速更快
ALLY
高出2.0%
-5.2%
净利率更高
ALLY
高出99.7%
8.9%
两年增速更快
LCUT
近两年复合增速
11.1%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $301.0M | $204.1M |
| 净利润 | $327.0M | $18.2M |
| 毛利率 | — | 38.6% |
| 营业利润率 | — | 9.8% |
| 净利率 | 108.6% | 8.9% |
| 营收同比 | -3.2% | -5.2% |
| 净利润同比 | 333.6% | 103.5% |
| 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ALLYLCUT
| Q4 25 | $301.0M | $204.1M | ||
| Q3 25 | $308.0M | $171.9M | ||
| Q2 25 | $312.0M | $131.9M | ||
| Q1 25 | $323.0M | $140.1M | ||
| Q4 24 | $311.0M | $215.2M | ||
| Q3 24 | $319.0M | $183.8M | ||
| Q2 24 | $324.0M | $141.7M | ||
| Q1 24 | $244.0M | $142.2M |
净利润ALLYLCUT
| Q4 25 | $327.0M | $18.2M | ||
| Q3 25 | $398.0M | $-1.2M | ||
| Q2 25 | $352.0M | $-39.7M | ||
| Q1 25 | $-225.0M | $-4.2M | ||
| Q4 24 | $-140.0M | $8.9M | ||
| Q3 24 | $357.0M | $344.0K | ||
| Q2 24 | $294.0M | $-18.2M | ||
| Q1 24 | $157.0M | $-6.3M |
毛利率ALLYLCUT
| Q4 25 | — | 38.6% | ||
| Q3 25 | — | 35.1% | ||
| Q2 25 | — | 38.6% | ||
| Q1 25 | — | 36.1% | ||
| Q4 24 | — | 37.7% | ||
| Q3 24 | — | 36.7% | ||
| Q2 24 | — | 38.5% | ||
| Q1 24 | — | 40.5% |
营业利润率ALLYLCUT
| Q4 25 | — | 9.8% | ||
| Q3 25 | — | 3.9% | ||
| Q2 25 | — | -28.2% | ||
| Q1 25 | -87.9% | 0.8% | ||
| Q4 24 | 56.3% | 7.2% | ||
| Q3 24 | 73.0% | 4.7% | ||
| Q2 24 | 79.3% | 0.8% | ||
| Q1 24 | 70.1% | 1.3% |
净利率ALLYLCUT
| Q4 25 | 108.6% | 8.9% | ||
| Q3 25 | 129.2% | -0.7% | ||
| Q2 25 | 112.8% | -30.1% | ||
| Q1 25 | -69.7% | -3.0% | ||
| Q4 24 | -45.0% | 4.1% | ||
| Q3 24 | 111.9% | 0.2% | ||
| Q2 24 | 90.7% | -12.8% | ||
| Q1 24 | 64.3% | -4.4% |
每股收益（稀释后）ALLYLCUT
| Q4 25 | $0.97 | $0.83 | ||
| Q3 25 | $1.18 | $-0.05 | ||
| Q2 25 | $1.04 | $-1.83 | ||
| Q1 25 | $-0.82 | $-0.19 | ||
| Q4 24 | $-0.54 | $0.41 | ||
| Q3 24 | $1.06 | $0.02 | ||
| Q2 24 | $0.86 | $-0.85 | ||
| Q1 24 | $0.42 | $-0.29 |
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 | $4.3M |
| 总债务越低越好 | $17.1B | $135.0M |
| 股东权益账面价值 | $15.5B | $202.3M |
| 总资产 | $196.0B | $572.6M |
| 负债/权益比越低杠杆越低 | 1.10× | 0.67× |
8季度趋势，按日历期对齐
现金及短期投资ALLYLCUT
| Q4 25 | $10.0B | $4.3M | ||
| Q3 25 | $10.2B | $12.1M | ||
| Q2 25 | $10.6B | $12.0M | ||
| Q1 25 | $10.4B | $10.4M | ||
| Q4 24 | $10.3B | $2.9M | ||
| Q3 24 | $8.6B | $6.0M | ||
| Q2 24 | $7.4B | $3.4M | ||
| Q1 24 | $8.2B | $4.6M |
总债务ALLYLCUT
| Q4 25 | $17.1B | $135.0M | ||
| Q3 25 | $16.7B | — | ||
| Q2 25 | $15.9B | — | ||
| Q1 25 | $16.5B | — | ||
| Q4 24 | $17.5B | $142.5M | ||
| Q3 24 | $16.8B | — | ||
| Q2 24 | $16.0B | — | ||
| Q1 24 | $17.0B | — |
股东权益ALLYLCUT
| Q4 25 | $15.5B | $202.3M | ||
| Q3 25 | $15.1B | $184.6M | ||
| Q2 25 | $14.5B | $185.8M | ||
| Q1 25 | $14.2B | $225.7M | ||
| Q4 24 | $13.9B | $229.9M | ||
| Q3 24 | $14.7B | $220.9M | ||
| Q2 24 | $13.9B | $219.8M | ||
| Q1 24 | $13.7B | $223.7M |
总资产ALLYLCUT
| Q4 25 | $196.0B | $572.6M | ||
| Q3 25 | $191.7B | $581.1M | ||
| Q2 25 | $189.5B | $551.9M | ||
| Q1 25 | $193.3B | $594.6M | ||
| Q4 24 | $191.8B | $634.3M | ||
| Q3 24 | $193.0B | $668.7M | ||
| Q2 24 | $192.5B | $617.0M | ||
| Q1 24 | $192.9B | $602.7M |
负债/权益比ALLYLCUT
| Q4 25 | 1.10× | 0.67× | ||
| Q3 25 | 1.11× | — | ||
| Q2 25 | 1.09× | — | ||
| Q1 25 | 1.16× | — | ||
| Q4 24 | 1.26× | 0.62× | ||
| 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 | $3.7M |
| 自由现金流经营现金流 - 资本支出 | — | $2.6M |
| 自由现金流率自由现金流/营收 | — | 1.3% |
| 资本支出强度资本支出/营收 | — | 0.6% |
| 现金转化率经营现金流/净利润 | 1.96× | 0.21× |
| 过去12个月自由现金流最近4个季度 | — | $3.3M |
8季度趋势，按日历期对齐
经营现金流ALLYLCUT
| Q4 25 | $640.0M | $3.7M | ||
| Q3 25 | $1.2B | $-22.2M | ||
| Q2 25 | $947.0M | $9.3M | ||
| Q1 25 | $940.0M | $16.7M | ||
| Q4 24 | $620.0M | $20.3M | ||
| Q3 24 | $992.0M | $-22.7M | ||
| Q2 24 | $1.6B | $10.4M | ||
| Q1 24 | $1.3B | $10.5M |
自由现金流ALLYLCUT
| Q4 25 | — | $2.6M | ||
| Q3 25 | — | $-22.7M | ||
| Q2 25 | — | $8.2M | ||
| Q1 25 | — | $15.1M | ||
| Q4 24 | — | $19.7M | ||
| Q3 24 | — | $-23.2M | ||
| Q2 24 | — | $9.9M | ||
| Q1 24 | — | $9.9M |
自由现金流率ALLYLCUT
| Q4 25 | — | 1.3% | ||
| Q3 25 | — | -13.2% | ||
| Q2 25 | — | 6.2% | ||
| Q1 25 | — | 10.8% | ||
| Q4 24 | — | 9.1% | ||
| Q3 24 | — | -12.6% | ||
| Q2 24 | — | 7.0% | ||
| Q1 24 | — | 7.0% |
资本支出强度ALLYLCUT
| Q4 25 | — | 0.6% | ||
| Q3 25 | — | 0.3% | ||
| Q2 25 | — | 0.9% | ||
| Q1 25 | — | 1.1% | ||
| Q4 24 | — | 0.3% | ||
| Q3 24 | — | 0.3% | ||
| Q2 24 | — | 0.4% | ||
| Q1 24 | — | 0.4% |
现金转化率ALLYLCUT
| Q4 25 | 1.96× | 0.21× | ||
| Q3 25 | 3.02× | — | ||
| Q2 25 | 2.69× | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 2.28× | ||
| Q3 24 | 2.78× | -65.89× | ||
| Q2 24 | 5.36× | — | ||
| Q1 24 | 8.54× | — |
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% |
LCUT
| Kitchenware | $114.3M | 56% |
| Tableware | $41.7M | 20% |
| Home Solutions | $29.4M | 14% |
| Other | $18.8M | 9% |
