vs
Ally Financial Inc.（ALLY）与万事达卡（MA）财务数据对比。点击上方公司名可切换其他公司
万事达卡的季度营收约是Ally Financial Inc.的29.3倍（$8.8B vs $301.0M）。Ally Financial Inc.净利率更高（108.6% vs 46.1%，领先62.5%）。万事达卡同比增速更快（17.6% vs -3.2%）。过去两年万事达卡的营收复合增速更高（17.8% 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。
万事达卡是总部位于美国纽约帕切斯的跨国支付卡服务企业，核心业务为处理商户收单银行与持卡人发卡机构之间的支付交易，同时提供旗下品牌借记卡、信用卡、预付卡及相关配套支付服务，服务网络覆盖全球，于2006年公开上市。
ALLY vs MA — 直观对比
营收规模更大
MA
是对方的29.3倍
$301.0M
营收增速更快
MA
高出20.8%
-3.2%
净利率更高
ALLY
高出62.5%
46.1%
两年增速更快
MA
近两年复合增速
11.1%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $301.0M | $8.8B |
| 净利润 | $327.0M | $4.1B |
| 毛利率 | — | — |
| 营业利润率 | — | 55.8% |
| 净利率 | 108.6% | 46.1% |
| 营收同比 | -3.2% | 17.6% |
| 净利润同比 | 333.6% | 21.5% |
| 每股收益（稀释后） | $0.97 | $4.52 |
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ALLYMA
| Q4 25 | $301.0M | $8.8B | ||
| Q3 25 | $308.0M | $8.6B | ||
| Q2 25 | $312.0M | $8.1B | ||
| Q1 25 | $323.0M | $7.3B | ||
| Q4 24 | $311.0M | $7.5B | ||
| Q3 24 | $319.0M | $7.4B | ||
| Q2 24 | $324.0M | $7.0B | ||
| Q1 24 | $244.0M | $6.3B |
净利润ALLYMA
| Q4 25 | $327.0M | $4.1B | ||
| Q3 25 | $398.0M | $3.9B | ||
| Q2 25 | $352.0M | $3.7B | ||
| Q1 25 | $-225.0M | $3.3B | ||
| Q4 24 | $-140.0M | $3.3B | ||
| Q3 24 | $357.0M | $3.3B | ||
| Q2 24 | $294.0M | $3.3B | ||
| Q1 24 | $157.0M | $3.0B |
营业利润率ALLYMA
| Q4 25 | — | 55.8% | ||
| Q3 25 | — | 58.8% | ||
| Q2 25 | — | 58.7% | ||
| Q1 25 | -87.9% | 57.2% | ||
| Q4 24 | 56.3% | 52.6% | ||
| Q3 24 | 73.0% | 54.3% | ||
| Q2 24 | 79.3% | 58.0% | ||
| Q1 24 | 70.1% | 56.8% |
净利率ALLYMA
| Q4 25 | 108.6% | 46.1% | ||
| Q3 25 | 129.2% | 45.7% | ||
| Q2 25 | 112.8% | 45.5% | ||
| Q1 25 | -69.7% | 45.2% | ||
| Q4 24 | -45.0% | 44.6% | ||
| Q3 24 | 111.9% | 44.3% | ||
| Q2 24 | 90.7% | 46.8% | ||
| Q1 24 | 64.3% | 47.4% |
每股收益（稀释后）ALLYMA
| Q4 25 | $0.97 | $4.52 | ||
| Q3 25 | $1.18 | $4.34 | ||
| Q2 25 | $1.04 | $4.07 | ||
| Q1 25 | $-0.82 | $3.59 | ||
| Q4 24 | $-0.54 | $3.64 | ||
| Q3 24 | $1.06 | $3.53 | ||
| Q2 24 | $0.86 | $3.50 | ||
| Q1 24 | $0.42 | $3.22 |
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 | $10.6B |
| 总债务越低越好 | $17.1B | — |
| 股东权益账面价值 | $15.5B | $7.7B |
| 总资产 | $196.0B | $54.2B |
| 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ALLYMA
| Q4 25 | $10.0B | $10.6B | ||
| Q3 25 | $10.2B | $10.3B | ||
| Q2 25 | $10.6B | $9.0B | ||
| Q1 25 | $10.4B | $7.6B | ||
| Q4 24 | $10.3B | $8.4B | ||
| Q3 24 | $8.6B | $11.1B | ||
| Q2 24 | $7.4B | $7.0B | ||
| Q1 24 | $8.2B | $7.3B |
总债务ALLYMA
| 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ALLYMA
| Q4 25 | $15.5B | $7.7B | ||
| Q3 25 | $15.1B | $7.9B | ||
| Q2 25 | $14.5B | $7.9B | ||
| Q1 25 | $14.2B | $6.7B | ||
| Q4 24 | $13.9B | $6.5B | ||
| Q3 24 | $14.7B | $7.4B | ||
| Q2 24 | $13.9B | $7.4B | ||
| Q1 24 | $13.7B | $7.2B |
总资产ALLYMA
| Q4 25 | $196.0B | $54.2B | ||
| Q3 25 | $191.7B | $53.3B | ||
| Q2 25 | $189.5B | $51.4B | ||
| Q1 25 | $193.3B | $48.5B | ||
| Q4 24 | $191.8B | $48.1B | ||
| Q3 24 | $193.0B | $47.2B | ||
| Q2 24 | $192.5B | $42.3B | ||
| Q1 24 | $192.9B | $42.6B |
负债/权益比ALLYMA
| 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 | $5.0B |
| 自由现金流经营现金流 - 资本支出 | — | $4.9B |
| 自由现金流率自由现金流/营收 | — | 55.5% |
| 资本支出强度资本支出/营收 | — | 1.3% |
| 现金转化率经营现金流/净利润 | 1.96× | 1.23× |
| 过去12个月自由现金流最近4个季度 | — | $17.2B |
8季度趋势，按日历期对齐
经营现金流ALLYMA
| Q4 25 | $640.0M | $5.0B | ||
| Q3 25 | $1.2B | $5.7B | ||
| Q2 25 | $947.0M | $4.6B | ||
| Q1 25 | $940.0M | $2.4B | ||
| Q4 24 | $620.0M | $4.8B | ||
| Q3 24 | $992.0M | $5.1B | ||
| Q2 24 | $1.6B | $3.1B | ||
| Q1 24 | $1.3B | $1.7B |
自由现金流ALLYMA
| Q4 25 | — | $4.9B | ||
| Q3 25 | — | $5.5B | ||
| Q2 25 | — | $4.6B | ||
| Q1 25 | — | $2.2B | ||
| Q4 24 | — | $4.7B | ||
| Q3 24 | — | $5.0B | ||
| Q2 24 | — | $3.0B | ||
| Q1 24 | — | $1.5B |
自由现金流率ALLYMA
| Q4 25 | — | 55.5% | ||
| Q3 25 | — | 63.8% | ||
| Q2 25 | — | 56.1% | ||
| Q1 25 | — | 30.6% | ||
| Q4 24 | — | 63.3% | ||
| Q3 24 | — | 68.2% | ||
| Q2 24 | — | 43.4% | ||
| Q1 24 | — | 23.9% |
资本支出强度ALLYMA
| Q4 25 | — | 1.3% | ||
| Q3 25 | — | 2.1% | ||
| Q2 25 | — | 0.5% | ||
| Q1 25 | — | 2.2% | ||
| Q4 24 | — | 1.3% | ||
| Q3 24 | — | 1.5% | ||
| Q2 24 | — | 1.7% | ||
| Q1 24 | — | 2.5% |
现金转化率ALLYMA
| Q4 25 | 1.96× | 1.23× | ||
| Q3 25 | 3.02× | 1.44× | ||
| Q2 25 | 2.69× | 1.24× | ||
| Q1 25 | — | 0.73× | ||
| Q4 24 | — | 1.45× | ||
| Q3 24 | 2.78× | 1.57× | ||
| Q2 24 | 5.36× | 0.96× | ||
| Q1 24 | 8.54× | 0.56× |
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% |
MA
| Payment Network | $4.9B | 56% |
| Value Added Services And Solutions | $3.9B | 44% |
