vs
Ally Financial Inc.（ALLY）与MONRO, INC.（MNRO）财务数据对比。点击上方公司名可切换其他公司
Ally Financial Inc.的季度营收约是MONRO, INC.的1.0倍（$301.0M vs $293.4M），Ally Financial Inc.净利率更高（108.6% vs 3.8%，领先104.8%），Ally Financial Inc.同比增速更快（-3.2% vs -4.0%），过去两年Ally Financial Inc.的营收复合增速更高（11.1% vs -2.7%）
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。
蒙罗公司（Monro, Inc.）是一家汽车服务企业，创始并总部设在美国纽约州罗切斯特。截至2025年，蒙罗共拥有1260家门店，按门店数量与营收计算，是北美仅次于Driven Brands的第二大汽车服务企业。
ALLY vs MNRO — 直观对比
营收规模更大
ALLY
是对方的1.0倍
$293.4M
营收增速更快
ALLY
高出0.8%
-4.0%
净利率更高
ALLY
高出104.8%
3.8%
两年增速更快
ALLY
近两年复合增速
-2.7%
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $301.0M | $293.4M |
| 净利润 | $327.0M | $11.1M |
| 毛利率 | — | 34.9% |
| 营业利润率 | — | 6.3% |
| 净利率 | 108.6% | 3.8% |
| 营收同比 | -3.2% | -4.0% |
| 净利润同比 | 333.6% | 143.1% |
| 每股收益（稀释后） | $0.97 | $0.35 |
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ALLYMNRO
| Q4 25 | $301.0M | $293.4M | ||
| Q3 25 | $308.0M | $288.9M | ||
| Q2 25 | $312.0M | $301.0M | ||
| Q1 25 | $323.0M | $295.0M | ||
| Q4 24 | $311.0M | $305.8M | ||
| Q3 24 | $319.0M | $301.4M | ||
| Q2 24 | $324.0M | $293.2M | ||
| Q1 24 | $244.0M | $310.1M |
净利润ALLYMNRO
| Q4 25 | $327.0M | $11.1M | ||
| Q3 25 | $398.0M | $5.7M | ||
| Q2 25 | $352.0M | $-8.1M | ||
| Q1 25 | $-225.0M | $-21.3M | ||
| Q4 24 | $-140.0M | $4.6M | ||
| Q3 24 | $357.0M | $5.6M | ||
| Q2 24 | $294.0M | $5.9M | ||
| Q1 24 | $157.0M | $3.7M |
毛利率ALLYMNRO
| Q4 25 | — | 34.9% | ||
| Q3 25 | — | 35.7% | ||
| Q2 25 | — | 35.5% | ||
| Q1 25 | — | 33.0% | ||
| Q4 24 | — | 34.3% | ||
| Q3 24 | — | 35.3% | ||
| Q2 24 | — | 37.2% | ||
| Q1 24 | — | 35.5% |
营业利润率ALLYMNRO
| Q4 25 | — | 6.3% | ||
| Q3 25 | — | 4.4% | ||
| Q2 25 | — | -2.0% | ||
| Q1 25 | -87.9% | -8.1% | ||
| Q4 24 | 56.3% | 3.3% | ||
| Q3 24 | 73.0% | 4.4% | ||
| Q2 24 | 79.3% | 4.5% | ||
| Q1 24 | 70.1% | 3.3% |
净利率ALLYMNRO
| Q4 25 | 108.6% | 3.8% | ||
| Q3 25 | 129.2% | 2.0% | ||
| Q2 25 | 112.8% | -2.7% | ||
| Q1 25 | -69.7% | -7.2% | ||
| Q4 24 | -45.0% | 1.5% | ||
| Q3 24 | 111.9% | 1.9% | ||
| Q2 24 | 90.7% | 2.0% | ||
| Q1 24 | 64.3% | 1.2% |
每股收益（稀释后）ALLYMNRO
| Q4 25 | $0.97 | $0.35 | ||
| Q3 25 | $1.18 | $0.18 | ||
| Q2 25 | $1.04 | $-0.28 | ||
| Q1 25 | $-0.82 | $-0.74 | ||
| Q4 24 | $-0.54 | $0.15 | ||
| Q3 24 | $1.06 | $0.18 | ||
| Q2 24 | $0.86 | $0.19 | ||
| Q1 24 | $0.42 | $0.12 |
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 | $4.9M |
| 总债务越低越好 | $17.1B | $45.0M |
| 股东权益账面价值 | $15.5B | $604.9M |
| 总资产 | $196.0B | $1.6B |
| 负债/权益比越低杠杆越低 | 1.10× | 0.07× |
8季度趋势，按日历期对齐
现金及短期投资ALLYMNRO
| Q4 25 | $10.0B | $4.9M | ||
| Q3 25 | $10.2B | $10.5M | ||
| Q2 25 | $10.6B | $7.8M | ||
| Q1 25 | $10.4B | $20.8M | ||
| Q4 24 | $10.3B | $10.2M | ||
| Q3 24 | $8.6B | $20.9M | ||
| Q2 24 | $7.4B | $18.7M | ||
| Q1 24 | $8.2B | $6.6M |
总债务ALLYMNRO
| Q4 25 | $17.1B | $45.0M | ||
| Q3 25 | $16.7B | $60.0M | ||
| Q2 25 | $15.9B | $71.5M | ||
| Q1 25 | $16.5B | $61.3M | ||
| Q4 24 | $17.5B | $59.3M | ||
| Q3 24 | $16.8B | $62.0M | ||
| Q2 24 | $16.0B | $112.0M | ||
| Q1 24 | $17.0B | $102.0M |
股东权益ALLYMNRO
| Q4 25 | $15.5B | $604.9M | ||
| Q3 25 | $15.1B | $601.7M | ||
| Q2 25 | $14.5B | $604.9M | ||
| Q1 25 | $14.2B | $620.8M | ||
| Q4 24 | $13.9B | $648.9M | ||
| Q3 24 | $14.7B | $651.9M | ||
| Q2 24 | $13.9B | $654.4M | ||
| Q1 24 | $13.7B | $656.8M |
总资产ALLYMNRO
| Q4 25 | $196.0B | $1.6B | ||
| Q3 25 | $191.7B | $1.6B | ||
| Q2 25 | $189.5B | $1.6B | ||
| Q1 25 | $193.3B | $1.6B | ||
| Q4 24 | $191.8B | $1.7B | ||
| Q3 24 | $193.0B | $1.7B | ||
| Q2 24 | $192.5B | $1.7B | ||
| Q1 24 | $192.9B | $1.7B |
负债/权益比ALLYMNRO
| Q4 25 | 1.10× | 0.07× | ||
| Q3 25 | 1.11× | 0.10× | ||
| Q2 25 | 1.09× | 0.12× | ||
| Q1 25 | 1.16× | 0.10× | ||
| Q4 24 | 1.26× | 0.09× | ||
| Q3 24 | 1.14× | 0.10× | ||
| Q2 24 | 1.15× | 0.17× | ||
| Q1 24 | 1.25× | 0.16× |
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 | $17.8M |
| 自由现金流经营现金流 - 资本支出 | — | $9.1M |
| 自由现金流率自由现金流/营收 | — | 3.1% |
| 资本支出强度资本支出/营收 | — | 3.0% |
| 现金转化率经营现金流/净利润 | 1.96× | 1.60× |
| 过去12个月自由现金流最近4个季度 | — | $49.6M |
8季度趋势，按日历期对齐
经营现金流ALLYMNRO
| Q4 25 | $640.0M | $17.8M | ||
| Q3 25 | $1.2B | $32.3M | ||
| Q2 25 | $947.0M | $-1.9M | ||
| Q1 25 | $940.0M | $28.9M | ||
| Q4 24 | $620.0M | $14.8M | ||
| Q3 24 | $992.0M | $62.6M | ||
| Q2 24 | $1.6B | $25.6M | ||
| Q1 24 | $1.3B | $-5.3M |
自由现金流ALLYMNRO
| Q4 25 | — | $9.1M | ||
| Q3 25 | — | $26.6M | ||
| Q2 25 | — | $-9.3M | ||
| Q1 25 | — | $23.2M | ||
| Q4 24 | — | $7.9M | ||
| Q3 24 | — | $57.6M | ||
| Q2 24 | — | $16.8M | ||
| Q1 24 | — | $-11.9M |
自由现金流率ALLYMNRO
| Q4 25 | — | 3.1% | ||
| Q3 25 | — | 9.2% | ||
| Q2 25 | — | -3.1% | ||
| Q1 25 | — | 7.9% | ||
| Q4 24 | — | 2.6% | ||
| Q3 24 | — | 19.1% | ||
| Q2 24 | — | 5.7% | ||
| Q1 24 | — | -3.8% |
资本支出强度ALLYMNRO
| Q4 25 | — | 3.0% | ||
| Q3 25 | — | 2.0% | ||
| Q2 25 | — | 2.5% | ||
| Q1 25 | — | 1.9% | ||
| Q4 24 | — | 2.2% | ||
| Q3 24 | — | 1.6% | ||
| Q2 24 | — | 3.0% | ||
| Q1 24 | — | 2.1% |
现金转化率ALLYMNRO
| Q4 25 | 1.96× | 1.60× | ||
| Q3 25 | 3.02× | 5.71× | ||
| Q2 25 | 2.69× | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 3.23× | ||
| Q3 24 | 2.78× | 11.08× | ||
| Q2 24 | 5.36× | 4.37× | ||
| Q1 24 | 8.54× | -1.42× |
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% |
MNRO
| Tires | $150.2M | 51% |
| Maintenance | $73.5M | 25% |
| Brakes | $35.1M | 12% |
| Steering | $24.9M | 8% |
| Batteries | $6.2M | 2% |
| Exhaust | $3.2M | 1% |
