vs
Ally Financial Inc.（ALLY）与LifeStance Health Group, Inc.（LFST）财务数据对比。点击上方公司名可切换其他公司
LifeStance Health Group, Inc.的季度营收约是Ally Financial Inc.的1.3倍（$382.2M vs $301.0M），Ally Financial Inc.净利率更高（108.6% vs 3.1%，领先105.6%），LifeStance Health Group, Inc.同比增速更快（17.4% vs -3.2%），过去两年LifeStance Health Group, Inc.的营收复合增速更高（12.8% 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。
LifeStance Health Group是美国的门诊行为健康服务提供商，支持线下面诊与远程诊疗两种服务模式，业务涵盖心理咨询、精神科诊疗、经颅磁刺激（TMS）以及氯胺酮治疗等。该公司曾多次因劳动违规、客户信息泄露及误导投资者相关问题遭遇诉讼。
ALLY vs LFST — 直观对比
营收规模更大
LFST
是对方的1.3倍
$301.0M
营收增速更快
LFST
高出20.6%
-3.2%
净利率更高
ALLY
高出105.6%
3.1%
两年增速更快
LFST
近两年复合增速
11.1%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $301.0M | $382.2M |
| 净利润 | $327.0M | $11.7M |
| 毛利率 | — | — |
| 营业利润率 | — | 4.7% |
| 净利率 | 108.6% | 3.1% |
| 营收同比 | -3.2% | 17.4% |
| 净利润同比 | 333.6% | 264.1% |
| 每股收益（稀释后） | $0.97 | — |
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ALLYLFST
| Q4 25 | $301.0M | $382.2M | ||
| Q3 25 | $308.0M | $363.8M | ||
| Q2 25 | $312.0M | $345.3M | ||
| Q1 25 | $323.0M | $333.0M | ||
| Q4 24 | $311.0M | $325.5M | ||
| Q3 24 | $319.0M | $312.7M | ||
| Q2 24 | $324.0M | $312.3M | ||
| Q1 24 | $244.0M | $300.4M |
净利润ALLYLFST
| Q4 25 | $327.0M | $11.7M | ||
| Q3 25 | $398.0M | $1.1M | ||
| Q2 25 | $352.0M | $-3.8M | ||
| Q1 25 | $-225.0M | $709.0K | ||
| Q4 24 | $-140.0M | $-7.1M | ||
| Q3 24 | $357.0M | $-6.0M | ||
| Q2 24 | $294.0M | $-23.3M | ||
| Q1 24 | $157.0M | $-21.1M |
营业利润率ALLYLFST
| Q4 25 | — | 4.7% | ||
| Q3 25 | — | 2.0% | ||
| Q2 25 | — | -0.9% | ||
| Q1 25 | -87.9% | 0.5% | ||
| Q4 24 | 56.3% | 0.3% | ||
| Q3 24 | 73.0% | 0.0% | ||
| Q2 24 | 79.3% | -5.1% | ||
| Q1 24 | 70.1% | -5.6% |
净利率ALLYLFST
| Q4 25 | 108.6% | 3.1% | ||
| Q3 25 | 129.2% | 0.3% | ||
| Q2 25 | 112.8% | -1.1% | ||
| Q1 25 | -69.7% | 0.2% | ||
| Q4 24 | -45.0% | -2.2% | ||
| Q3 24 | 111.9% | -1.9% | ||
| Q2 24 | 90.7% | -7.5% | ||
| Q1 24 | 64.3% | -7.0% |
每股收益（稀释后）ALLYLFST
| Q4 25 | $0.97 | — | ||
| Q3 25 | $1.18 | — | ||
| Q2 25 | $1.04 | — | ||
| Q1 25 | $-0.82 | — | ||
| Q4 24 | $-0.54 | — | ||
| Q3 24 | $1.06 | — | ||
| Q2 24 | $0.86 | — | ||
| Q1 24 | $0.42 | — |
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 | $248.6M |
| 总债务越低越好 | $17.1B | $282.8M |
| 股东权益账面价值 | $15.5B | $1.5B |
| 总资产 | $196.0B | $2.2B |
| 负债/权益比越低杠杆越低 | 1.10× | 0.19× |
8季度趋势，按日历期对齐
现金及短期投资ALLYLFST
| Q4 25 | $10.0B | $248.6M | ||
| Q3 25 | $10.2B | $203.9M | ||
| Q2 25 | $10.6B | $188.9M | ||
| Q1 25 | $10.4B | $134.3M | ||
| Q4 24 | $10.3B | $154.6M | ||
| Q3 24 | $8.6B | $102.6M | ||
| Q2 24 | $7.4B | $87.0M | ||
| Q1 24 | $8.2B | $49.5M |
总债务ALLYLFST
| Q4 25 | $17.1B | $282.8M | ||
| Q3 25 | $16.7B | $284.6M | ||
| Q2 25 | $15.9B | $286.4M | ||
| Q1 25 | $16.5B | $288.2M | ||
| Q4 24 | $17.5B | $290.0M | ||
| Q3 24 | $16.8B | $287.3M | ||
| Q2 24 | $16.0B | $288.0M | ||
| Q1 24 | $17.0B | $288.8M |
股东权益ALLYLFST
| Q4 25 | $15.5B | $1.5B | ||
| Q3 25 | $15.1B | $1.5B | ||
| Q2 25 | $14.5B | $1.5B | ||
| Q1 25 | $14.2B | $1.5B | ||
| Q4 24 | $13.9B | $1.4B | ||
| Q3 24 | $14.7B | $1.4B | ||
| Q2 24 | $13.9B | $1.4B | ||
| Q1 24 | $13.7B | $1.4B |
总资产ALLYLFST
| Q4 25 | $196.0B | $2.2B | ||
| Q3 25 | $191.7B | $2.1B | ||
| Q2 25 | $189.5B | $2.1B | ||
| Q1 25 | $193.3B | $2.1B | ||
| Q4 24 | $191.8B | $2.1B | ||
| Q3 24 | $193.0B | $2.1B | ||
| Q2 24 | $192.5B | $2.1B | ||
| Q1 24 | $192.9B | $2.1B |
负债/权益比ALLYLFST
| Q4 25 | 1.10× | 0.19× | ||
| Q3 25 | 1.11× | 0.19× | ||
| Q2 25 | 1.09× | 0.19× | ||
| Q1 25 | 1.16× | 0.20× | ||
| Q4 24 | 1.26× | 0.20× | ||
| Q3 24 | 1.14× | 0.20× | ||
| Q2 24 | 1.15× | 0.20× | ||
| Q1 24 | 1.25× | 0.20× |
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 | $57.6M |
| 自由现金流经营现金流 - 资本支出 | — | $46.6M |
| 自由现金流率自由现金流/营收 | — | 12.2% |
| 资本支出强度资本支出/营收 | — | 2.9% |
| 现金转化率经营现金流/净利润 | 1.96× | 4.93× |
| 过去12个月自由现金流最近4个季度 | — | $110.0M |
8季度趋势，按日历期对齐
经营现金流ALLYLFST
| Q4 25 | $640.0M | $57.6M | ||
| Q3 25 | $1.2B | $27.3M | ||
| Q2 25 | $947.0M | $64.4M | ||
| Q1 25 | $940.0M | $-3.1M | ||
| Q4 24 | $620.0M | $62.3M | ||
| Q3 24 | $992.0M | $22.7M | ||
| Q2 24 | $1.6B | $44.1M | ||
| Q1 24 | $1.3B | $-21.8M |
自由现金流ALLYLFST
| Q4 25 | — | $46.6M | ||
| Q3 25 | — | $17.0M | ||
| Q2 25 | — | $56.6M | ||
| Q1 25 | — | $-10.3M | ||
| Q4 24 | — | $56.0M | ||
| Q3 24 | — | $17.7M | ||
| Q2 24 | — | $39.0M | ||
| Q1 24 | — | $-26.9M |
自由现金流率ALLYLFST
| Q4 25 | — | 12.2% | ||
| Q3 25 | — | 4.7% | ||
| Q2 25 | — | 16.4% | ||
| Q1 25 | — | -3.1% | ||
| Q4 24 | — | 17.2% | ||
| Q3 24 | — | 5.7% | ||
| Q2 24 | — | 12.5% | ||
| Q1 24 | — | -9.0% |
资本支出强度ALLYLFST
| Q4 25 | — | 2.9% | ||
| Q3 25 | — | 2.8% | ||
| Q2 25 | — | 2.2% | ||
| Q1 25 | — | 2.2% | ||
| Q4 24 | — | 1.9% | ||
| Q3 24 | — | 1.6% | ||
| Q2 24 | — | 1.6% | ||
| Q1 24 | — | 1.7% |
现金转化率ALLYLFST
| Q4 25 | 1.96× | 4.93× | ||
| Q3 25 | 3.02× | 25.34× | ||
| Q2 25 | 2.69× | — | ||
| Q1 25 | — | -4.36× | ||
| 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% |
LFST
暂无分部数据
