vs
Ally Financial Inc.（ALLY）与LOUISIANA-PACIFIC CORP（LPX）财务数据对比。点击上方公司名可切换其他公司
LOUISIANA-PACIFIC CORP的季度营收约是Ally Financial Inc.的1.9倍（$566.0M vs $301.0M），Ally Financial Inc.净利率更高（108.6% vs -1.4%，领先110.1%），Ally Financial Inc.同比增速更快（-3.2% vs -16.9%），过去两年Ally Financial Inc.的营收复合增速更高（11.1% vs -11.6%）
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。
路易斯安那-太平洋公司（简称LP）是美国知名建材制造商，成立于1973年，是美国定向结构刨花板（OSB）生产的开创者，总部现位于田纳西州纳什维尔。作为全球最大的OSB生产商，公司还生产工程木建材产品，通过建材分销商、经销商及家居零售中心向建筑商和业主供货。
ALLY vs LPX — 直观对比
营收规模更大
LPX
是对方的1.9倍
$301.0M
营收增速更快
ALLY
高出13.7%
-16.9%
净利率更高
ALLY
高出110.1%
-1.4%
两年增速更快
ALLY
近两年复合增速
-11.6%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $301.0M | $566.0M |
| 净利润 | $327.0M | $-8.0M |
| 毛利率 | — | 15.0% |
| 营业利润率 | — | -1.6% |
| 净利率 | 108.6% | -1.4% |
| 营收同比 | -3.2% | -16.9% |
| 净利润同比 | 333.6% | -112.9% |
| 每股收益（稀释后） | $0.97 | $-0.12 |
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ALLYLPX
| Q4 25 | $301.0M | $566.0M | ||
| Q3 25 | $308.0M | $663.0M | ||
| Q2 25 | $312.0M | $755.0M | ||
| Q1 25 | $323.0M | $724.0M | ||
| Q4 24 | $311.0M | $681.0M | ||
| Q3 24 | $319.0M | $722.0M | ||
| Q2 24 | $324.0M | $814.0M | ||
| Q1 24 | $244.0M | $724.0M |
净利润ALLYLPX
| Q4 25 | $327.0M | $-8.0M | ||
| Q3 25 | $398.0M | $9.0M | ||
| Q2 25 | $352.0M | $54.0M | ||
| Q1 25 | $-225.0M | $91.0M | ||
| Q4 24 | $-140.0M | $62.0M | ||
| Q3 24 | $357.0M | $90.0M | ||
| Q2 24 | $294.0M | $160.0M | ||
| Q1 24 | $157.0M | $108.0M |
毛利率ALLYLPX
| Q4 25 | — | 15.0% | ||
| Q3 25 | — | 19.5% | ||
| Q2 25 | — | 23.6% | ||
| Q1 25 | — | 27.2% | ||
| Q4 24 | — | 23.8% | ||
| Q3 24 | — | 26.7% | ||
| Q2 24 | — | 32.3% | ||
| Q1 24 | — | 29.6% |
营业利润率ALLYLPX
| Q4 25 | — | -1.6% | ||
| Q3 25 | — | 2.7% | ||
| Q2 25 | — | 10.6% | ||
| Q1 25 | -87.9% | 16.6% | ||
| Q4 24 | 56.3% | 11.0% | ||
| Q3 24 | 73.0% | 16.1% | ||
| Q2 24 | 79.3% | 23.8% | ||
| Q1 24 | 70.1% | 20.0% |
净利率ALLYLPX
| Q4 25 | 108.6% | -1.4% | ||
| Q3 25 | 129.2% | 1.4% | ||
| Q2 25 | 112.8% | 7.2% | ||
| Q1 25 | -69.7% | 12.6% | ||
| Q4 24 | -45.0% | 9.1% | ||
| Q3 24 | 111.9% | 12.5% | ||
| Q2 24 | 90.7% | 19.7% | ||
| Q1 24 | 64.3% | 14.9% |
每股收益（稀释后）ALLYLPX
| Q4 25 | $0.97 | $-0.12 | ||
| Q3 25 | $1.18 | $0.13 | ||
| Q2 25 | $1.04 | $0.77 | ||
| Q1 25 | $-0.82 | $1.30 | ||
| Q4 24 | $-0.54 | $0.90 | ||
| Q3 24 | $1.06 | $1.28 | ||
| Q2 24 | $0.86 | $2.23 | ||
| Q1 24 | $0.42 | $1.48 |
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 | $292.0M |
| 总债务越低越好 | $17.1B | $348.0M |
| 股东权益账面价值 | $15.5B | $1.7B |
| 总资产 | $196.0B | $2.6B |
| 负债/权益比越低杠杆越低 | 1.10× | 0.20× |
8季度趋势，按日历期对齐
现金及短期投资ALLYLPX
| Q4 25 | $10.0B | $292.0M | ||
| Q3 25 | $10.2B | $316.0M | ||
| Q2 25 | $10.6B | $333.0M | ||
| Q1 25 | $10.4B | $256.0M | ||
| Q4 24 | $10.3B | $340.0M | ||
| Q3 24 | $8.6B | $346.0M | ||
| Q2 24 | $7.4B | $317.0M | ||
| Q1 24 | $8.2B | $244.0M |
总债务ALLYLPX
| Q4 25 | $17.1B | $348.0M | ||
| Q3 25 | $16.7B | $348.0M | ||
| Q2 25 | $15.9B | $348.0M | ||
| Q1 25 | $16.5B | $348.0M | ||
| Q4 24 | $17.5B | $348.0M | ||
| Q3 24 | $16.8B | $347.0M | ||
| Q2 24 | $16.0B | $347.0M | ||
| Q1 24 | $17.0B | $347.0M |
股东权益ALLYLPX
| Q4 25 | $15.5B | $1.7B | ||
| Q3 25 | $15.1B | $1.7B | ||
| Q2 25 | $14.5B | $1.7B | ||
| Q1 25 | $14.2B | $1.7B | ||
| Q4 24 | $13.9B | $1.7B | ||
| Q3 24 | $14.7B | $1.7B | ||
| Q2 24 | $13.9B | $1.7B | ||
| Q1 24 | $13.7B | $1.6B |
总资产ALLYLPX
| Q4 25 | $196.0B | $2.6B | ||
| Q3 25 | $191.7B | $2.6B | ||
| Q2 25 | $189.5B | $2.7B | ||
| Q1 25 | $193.3B | $2.6B | ||
| Q4 24 | $191.8B | $2.6B | ||
| Q3 24 | $193.0B | $2.6B | ||
| Q2 24 | $192.5B | $2.5B | ||
| Q1 24 | $192.9B | $2.5B |
负债/权益比ALLYLPX
| Q4 25 | 1.10× | 0.20× | ||
| Q3 25 | 1.11× | 0.20× | ||
| Q2 25 | 1.09× | 0.20× | ||
| Q1 25 | 1.16× | 0.21× | ||
| Q4 24 | 1.26× | 0.21× | ||
| Q3 24 | 1.14× | 0.21× | ||
| Q2 24 | 1.15× | 0.21× | ||
| Q1 24 | 1.25× | 0.21× |
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 | $67.0M |
| 自由现金流经营现金流 - 资本支出 | — | $-8.0M |
| 自由现金流率自由现金流/营收 | — | -1.4% |
| 资本支出强度资本支出/营收 | — | 13.3% |
| 现金转化率经营现金流/净利润 | 1.96× | — |
| 过去12个月自由现金流最近4个季度 | — | $91.0M |
8季度趋势，按日历期对齐
经营现金流ALLYLPX
| Q4 25 | $640.0M | $67.0M | ||
| Q3 25 | $1.2B | $89.0M | ||
| Q2 25 | $947.0M | $162.0M | ||
| Q1 25 | $940.0M | $64.0M | ||
| Q4 24 | $620.0M | $105.0M | ||
| Q3 24 | $992.0M | $183.0M | ||
| Q2 24 | $1.6B | $212.0M | ||
| Q1 24 | $1.3B | $105.0M |
自由现金流ALLYLPX
| Q4 25 | — | $-8.0M | ||
| Q3 25 | — | $5.0M | ||
| Q2 25 | — | $94.0M | ||
| Q1 25 | — | $0 | ||
| Q4 24 | — | $43.0M | ||
| Q3 24 | — | $139.0M | ||
| Q2 24 | — | $176.0M | ||
| Q1 24 | — | $64.0M |
自由现金流率ALLYLPX
| Q4 25 | — | -1.4% | ||
| Q3 25 | — | 0.8% | ||
| Q2 25 | — | 12.5% | ||
| Q1 25 | — | 0.0% | ||
| Q4 24 | — | 6.3% | ||
| Q3 24 | — | 19.3% | ||
| Q2 24 | — | 21.6% | ||
| Q1 24 | — | 8.8% |
资本支出强度ALLYLPX
| Q4 25 | — | 13.3% | ||
| Q3 25 | — | 12.7% | ||
| Q2 25 | — | 9.0% | ||
| Q1 25 | — | 8.8% | ||
| Q4 24 | — | 9.1% | ||
| Q3 24 | — | 6.1% | ||
| Q2 24 | — | 4.4% | ||
| Q1 24 | — | 5.7% |
现金转化率ALLYLPX
| Q4 25 | 1.96× | — | ||
| Q3 25 | 3.02× | 9.89× | ||
| Q2 25 | 2.69× | 3.00× | ||
| Q1 25 | — | 0.70× | ||
| Q4 24 | — | 1.69× | ||
| Q3 24 | 2.78× | 2.03× | ||
| Q2 24 | 5.36× | 1.32× | ||
| Q1 24 | 8.54× | 0.97× |
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% |
LPX
| OS Bvalueadd | $472.0M | 83% |
| Other | $84.0M | 15% |
| Otherproducts | $10.0M | 2% |
