vs
Ally Financial Inc.（ALLY）与LANDS' END, INC.（LE）财务数据对比。点击上方公司名可切换其他公司
LANDS' END, INC.的季度营收约是Ally Financial Inc.的1.1倍（$317.5M vs $301.0M），Ally Financial Inc.净利率更高（108.6% vs 1.6%，领先107.0%），LANDS' END, INC.同比增速更快（0.1% vs -3.2%），过去两年Ally Financial Inc.的营收复合增速更高（11.1% vs -0.9%）
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。
Lands' End是1963年诞生于美国芝加哥的服饰零售品牌，最初以邮购游艇用品起家，目前业务拓展至服饰、箱包与家居用品领域。截至2024年2月，品牌在美国本土共开设26家门店，总部位于威斯康星州道奇维尔。品牌名源自地名兰兹角，因创立时印刷错了撇号位置又无力重印，错拼的名称便沿用至今。
ALLY vs LE — 直观对比
营收规模更大
LE
是对方的1.1倍
$301.0M
营收增速更快
LE
高出3.3%
-3.2%
净利率更高
ALLY
高出107.0%
1.6%
两年增速更快
ALLY
近两年复合增速
-0.9%
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $301.0M | $317.5M |
| 净利润 | $327.0M | $5.2M |
| 毛利率 | — | 51.8% |
| 营业利润率 | — | 5.3% |
| 净利率 | 108.6% | 1.6% |
| 营收同比 | -3.2% | 0.1% |
| 净利润同比 | 333.6% | 198.3% |
| 每股收益（稀释后） | $0.97 | $0.17 |
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ALLYLE
| Q4 25 | $301.0M | $317.5M | ||
| Q3 25 | $308.0M | — | ||
| Q2 25 | $312.0M | $261.2M | ||
| Q1 25 | $323.0M | — | ||
| Q4 24 | $311.0M | $318.6M | ||
| Q3 24 | $319.0M | $317.2M | ||
| Q2 24 | $324.0M | $285.5M | ||
| Q1 24 | $244.0M | $514.9M |
净利润ALLYLE
| Q4 25 | $327.0M | $5.2M | ||
| Q3 25 | $398.0M | — | ||
| Q2 25 | $352.0M | $-8.3M | ||
| Q1 25 | $-225.0M | — | ||
| Q4 24 | $-140.0M | $-593.0K | ||
| Q3 24 | $357.0M | $-5.3M | ||
| Q2 24 | $294.0M | $-6.4M | ||
| Q1 24 | $157.0M | $-8.6M |
毛利率ALLYLE
| Q4 25 | — | 51.8% | ||
| Q3 25 | — | — | ||
| Q2 25 | — | 50.8% | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 50.6% | ||
| Q3 24 | — | 47.9% | ||
| Q2 24 | — | 48.7% | ||
| Q1 24 | — | 38.0% |
营业利润率ALLYLE
| Q4 25 | — | 5.3% | ||
| Q3 25 | — | — | ||
| Q2 25 | — | -0.9% | ||
| Q1 25 | -87.9% | — | ||
| Q4 24 | 56.3% | 2.9% | ||
| Q3 24 | 73.0% | 0.8% | ||
| Q2 24 | 79.3% | 0.8% | ||
| Q1 24 | 70.1% | 1.6% |
净利率ALLYLE
| Q4 25 | 108.6% | 1.6% | ||
| Q3 25 | 129.2% | — | ||
| Q2 25 | 112.8% | -3.2% | ||
| Q1 25 | -69.7% | — | ||
| Q4 24 | -45.0% | -0.2% | ||
| Q3 24 | 111.9% | -1.7% | ||
| Q2 24 | 90.7% | -2.3% | ||
| Q1 24 | 64.3% | -1.7% |
每股收益（稀释后）ALLYLE
| Q4 25 | $0.97 | $0.17 | ||
| Q3 25 | $1.18 | — | ||
| Q2 25 | $1.04 | $-0.27 | ||
| Q1 25 | $-0.82 | — | ||
| Q4 24 | $-0.54 | $-0.02 | ||
| Q3 24 | $1.06 | $-0.17 | ||
| Q2 24 | $0.86 | $-0.20 | ||
| Q1 24 | $0.42 | $-0.27 |
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 | $36.3M |
| 总债务越低越好 | $17.1B | — |
| 股东权益账面价值 | $15.5B | $231.0M |
| 总资产 | $196.0B | $852.7M |
| 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ALLYLE
| Q4 25 | $10.0B | $36.3M | ||
| Q3 25 | $10.2B | — | ||
| Q2 25 | $10.6B | $18.1M | ||
| Q1 25 | $10.4B | — | ||
| Q4 24 | $10.3B | $30.4M | ||
| Q3 24 | $8.6B | $25.6M | ||
| Q2 24 | $7.4B | $27.4M | ||
| Q1 24 | $8.2B | $25.3M |
总债务ALLYLE
| 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ALLYLE
| Q4 25 | $15.5B | $231.0M | ||
| Q3 25 | $15.1B | — | ||
| Q2 25 | $14.5B | $230.1M | ||
| Q1 25 | $14.2B | — | ||
| Q4 24 | $13.9B | $223.6M | ||
| Q3 24 | $14.7B | $226.5M | ||
| Q2 24 | $13.9B | $234.6M | ||
| Q1 24 | $13.7B | $241.6M |
总资产ALLYLE
| Q4 25 | $196.0B | $852.7M | ||
| Q3 25 | $191.7B | — | ||
| Q2 25 | $189.5B | $760.5M | ||
| Q1 25 | $193.3B | — | ||
| Q4 24 | $191.8B | $843.6M | ||
| Q3 24 | $193.0B | $802.5M | ||
| Q2 24 | $192.5B | $800.1M | ||
| Q1 24 | $192.9B | $811.5M |
负债/权益比ALLYLE
| 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 | $-15.7M |
| 自由现金流经营现金流 - 资本支出 | — | $-22.4M |
| 自由现金流率自由现金流/营收 | — | -7.1% |
| 资本支出强度资本支出/营收 | — | 2.1% |
| 现金转化率经营现金流/净利润 | 1.96× | -3.03× |
| 过去12个月自由现金流最近4个季度 | — | $-55.0M |
8季度趋势，按日历期对齐
经营现金流ALLYLE
| Q4 25 | $640.0M | $-15.7M | ||
| Q3 25 | $1.2B | — | ||
| Q2 25 | $947.0M | $-22.5M | ||
| Q1 25 | $940.0M | — | ||
| Q4 24 | $620.0M | $-17.1M | ||
| Q3 24 | $992.0M | $30.7M | ||
| Q2 24 | $1.6B | $-25.8M | ||
| Q1 24 | $1.3B | $93.9M |
自由现金流ALLYLE
| Q4 25 | — | $-22.4M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | $-30.7M | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $-27.8M | ||
| Q3 24 | — | $26.0M | ||
| Q2 24 | — | $-32.6M | ||
| Q1 24 | — | $87.5M |
自由现金流率ALLYLE
| Q4 25 | — | -7.1% | ||
| Q3 25 | — | — | ||
| Q2 25 | — | -11.8% | ||
| Q1 25 | — | — | ||
| Q4 24 | — | -8.7% | ||
| Q3 24 | — | 8.2% | ||
| Q2 24 | — | -11.4% | ||
| Q1 24 | — | 17.0% |
资本支出强度ALLYLE
| Q4 25 | — | 2.1% | ||
| Q3 25 | — | — | ||
| Q2 25 | — | 3.2% | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 3.3% | ||
| Q3 24 | — | 1.5% | ||
| Q2 24 | — | 2.4% | ||
| Q1 24 | — | 1.2% |
现金转化率ALLYLE
| Q4 25 | 1.96× | -3.03× | ||
| Q3 25 | 3.02× | — | ||
| Q2 25 | 2.69× | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 2.78× | — | ||
| 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% |
LE
| U Se Commerce | $179.8M | 57% |
| Business Outfitters Revenue | $78.8M | 25% |
| Licensing And Retail | $20.2M | 6% |
| Other | $19.8M | 6% |
| Third Party | $18.9M | 6% |
