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Ally Financial Inc.（ALLY）与Mativ Holdings, Inc.（MATV）财务数据对比。点击上方公司名可切换其他公司
Mativ Holdings, Inc.的季度营收约是Ally Financial Inc.的1.5倍（$463.1M vs $301.0M），Ally Financial Inc.净利率更高（108.6% vs 21.8%，领先86.9%），Mativ Holdings, Inc.同比增速更快（1.0% vs -3.2%），过去两年Ally Financial Inc.的营收复合增速更高（11.1% vs -3.8%）
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。
Mativ Holdings是一家全球特种材料制造商，主要生产高性能先进聚合物、无纺布、过滤解决方案及功能性涂层材料，服务医疗、工业、消费品、航空航天、能源等领域，业务遍及北美、欧洲及亚太地区。
ALLY vs MATV — 直观对比
营收规模更大
MATV
是对方的1.5倍
$301.0M
营收增速更快
MATV
高出4.2%
-3.2%
净利率更高
ALLY
高出86.9%
21.8%
两年增速更快
ALLY
近两年复合增速
-3.8%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $301.0M | $463.1M |
| 净利润 | $327.0M | $100.8M |
| 毛利率 | — | 18.8% |
| 营业利润率 | — | 2.2% |
| 净利率 | 108.6% | 21.8% |
| 营收同比 | -3.2% | 1.0% |
| 净利润同比 | 333.6% | 6620.0% |
| 每股收益（稀释后） | $0.97 | $1.87 |
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ALLYMATV
| Q4 25 | $301.0M | $463.1M | ||
| Q3 25 | $308.0M | $513.7M | ||
| Q2 25 | $312.0M | $525.4M | ||
| Q1 25 | $323.0M | $484.8M | ||
| Q4 24 | $311.0M | $458.6M | ||
| Q3 24 | $319.0M | $498.5M | ||
| Q2 24 | $324.0M | $523.8M | ||
| Q1 24 | $244.0M | $500.2M |
净利润ALLYMATV
| Q4 25 | $327.0M | $100.8M | ||
| Q3 25 | $398.0M | $-3.2M | ||
| Q2 25 | $352.0M | $-9.5M | ||
| Q1 25 | $-225.0M | $-425.5M | ||
| Q4 24 | $-140.0M | $1.5M | ||
| Q3 24 | $357.0M | $-20.8M | ||
| Q2 24 | $294.0M | $-1.4M | ||
| Q1 24 | $157.0M | $-28.0M |
毛利率ALLYMATV
| Q4 25 | — | 18.8% | ||
| Q3 25 | — | 19.3% | ||
| Q2 25 | — | 19.7% | ||
| Q1 25 | — | 15.0% | ||
| Q4 24 | — | 16.9% | ||
| Q3 24 | — | 18.8% | ||
| Q2 24 | — | 20.8% | ||
| Q1 24 | — | 16.8% |
营业利润率ALLYMATV
| Q4 25 | — | 2.2% | ||
| Q3 25 | — | 3.1% | ||
| Q2 25 | — | 3.8% | ||
| Q1 25 | -87.9% | -88.8% | ||
| Q4 24 | 56.3% | 0.6% | ||
| Q3 24 | 73.0% | 1.4% | ||
| Q2 24 | 79.3% | 2.0% | ||
| Q1 24 | 70.1% | -2.8% |
净利率ALLYMATV
| Q4 25 | 108.6% | 21.8% | ||
| Q3 25 | 129.2% | -0.6% | ||
| Q2 25 | 112.8% | -1.8% | ||
| Q1 25 | -69.7% | -87.8% | ||
| Q4 24 | -45.0% | 0.3% | ||
| Q3 24 | 111.9% | -4.2% | ||
| Q2 24 | 90.7% | -0.3% | ||
| Q1 24 | 64.3% | -5.6% |
每股收益（稀释后）ALLYMATV
| Q4 25 | $0.97 | $1.87 | ||
| Q3 25 | $1.18 | $-0.06 | ||
| Q2 25 | $1.04 | $-0.18 | ||
| Q1 25 | $-0.82 | $-7.82 | ||
| Q4 24 | $-0.54 | $0.03 | ||
| Q3 24 | $1.06 | $-0.38 | ||
| Q2 24 | $0.86 | $-0.03 | ||
| Q1 24 | $0.42 | $-0.52 |
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 | $84.2M |
| 总债务越低越好 | $17.1B | $1.0B |
| 股东权益账面价值 | $15.5B | $498.7M |
| 总资产 | $196.0B | $2.1B |
| 负债/权益比越低杠杆越低 | 1.10× | 2.07× |
8季度趋势，按日历期对齐
现金及短期投资ALLYMATV
| Q4 25 | $10.0B | $84.2M | ||
| Q3 25 | $10.2B | $97.1M | ||
| Q2 25 | $10.6B | $95.6M | ||
| Q1 25 | $10.4B | $84.0M | ||
| Q4 24 | $10.3B | $94.3M | ||
| Q3 24 | $8.6B | $162.2M | ||
| Q2 24 | $7.4B | $133.4M | ||
| Q1 24 | $8.2B | $128.9M |
总债务ALLYMATV
| Q4 25 | $17.1B | $1.0B | ||
| Q3 25 | $16.7B | $1.0B | ||
| Q2 25 | $15.9B | $1.1B | ||
| Q1 25 | $16.5B | $1.1B | ||
| Q4 24 | $17.5B | $1.1B | ||
| Q3 24 | $16.8B | $1.2B | ||
| Q2 24 | $16.0B | $1.2B | ||
| Q1 24 | $17.0B | $1.2B |
股东权益ALLYMATV
| Q4 25 | $15.5B | $498.7M | ||
| Q3 25 | $15.1B | $397.4M | ||
| Q2 25 | $14.5B | $416.6M | ||
| Q1 25 | $14.2B | $428.2M | ||
| Q4 24 | $13.9B | $858.5M | ||
| Q3 24 | $14.7B | $882.3M | ||
| Q2 24 | $13.9B | $898.0M | ||
| Q1 24 | $13.7B | $906.9M |
总资产ALLYMATV
| Q4 25 | $196.0B | $2.1B | ||
| Q3 25 | $191.7B | $2.0B | ||
| Q2 25 | $189.5B | $2.1B | ||
| Q1 25 | $193.3B | $2.1B | ||
| Q4 24 | $191.8B | $2.4B | ||
| Q3 24 | $193.0B | $2.6B | ||
| Q2 24 | $192.5B | $2.6B | ||
| Q1 24 | $192.9B | $2.7B |
负债/权益比ALLYMATV
| Q4 25 | 1.10× | 2.07× | ||
| Q3 25 | 1.11× | 2.63× | ||
| Q2 25 | 1.09× | 2.66× | ||
| Q1 25 | 1.16× | 2.67× | ||
| Q4 24 | 1.26× | 1.30× | ||
| Q3 24 | 1.14× | 1.32× | ||
| Q2 24 | 1.15× | 1.29× | ||
| Q1 24 | 1.25× | 1.30× |
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 | $19.3M |
| 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 | — | 1.7% |
| 资本支出强度资本支出/营收 | — | 2.4% |
| 现金转化率经营现金流/净利润 | 1.96× | 0.19× |
| 过去12个月自由现金流最近4个季度 | — | $93.8M |
8季度趋势，按日历期对齐
经营现金流ALLYMATV
| Q4 25 | $640.0M | $19.3M | ||
| Q3 25 | $1.2B | $72.8M | ||
| Q2 25 | $947.0M | $57.6M | ||
| Q1 25 | $940.0M | $-15.9M | ||
| Q4 24 | $620.0M | $24.1M | ||
| Q3 24 | $992.0M | $37.6M | ||
| Q2 24 | $1.6B | $46.1M | ||
| Q1 24 | $1.3B | $-13.0M |
自由现金流ALLYMATV
| Q4 25 | — | $8.0M | ||
| Q3 25 | — | $66.7M | ||
| Q2 25 | — | $48.9M | ||
| Q1 25 | — | $-29.8M | ||
| Q4 24 | — | $2.0M | ||
| Q3 24 | — | $25.5M | ||
| Q2 24 | — | $37.4M | ||
| Q1 24 | — | $-25.1M |
自由现金流率ALLYMATV
| Q4 25 | — | 1.7% | ||
| Q3 25 | — | 13.0% | ||
| Q2 25 | — | 9.3% | ||
| Q1 25 | — | -6.1% | ||
| Q4 24 | — | 0.4% | ||
| Q3 24 | — | 5.1% | ||
| Q2 24 | — | 7.1% | ||
| Q1 24 | — | -5.0% |
资本支出强度ALLYMATV
| Q4 25 | — | 2.4% | ||
| Q3 25 | — | 1.2% | ||
| Q2 25 | — | 1.7% | ||
| Q1 25 | — | 2.9% | ||
| Q4 24 | — | 4.8% | ||
| Q3 24 | — | 2.4% | ||
| Q2 24 | — | 1.7% | ||
| Q1 24 | — | 2.4% |
现金转化率ALLYMATV
| Q4 25 | 1.96× | 0.19× | ||
| Q3 25 | 3.02× | — | ||
| Q2 25 | 2.69× | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 16.07× | ||
| 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% |
MATV
| Other | $208.7M | 45% |
| SAS Segment | $157.4M | 34% |
| FAM Segment | $97.0M | 21% |
