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Ally Financial Inc.（ALLY）与OneStream, Inc.（OS）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OneStream, Inc.的1.8倍（$301.0M vs $163.7M），Ally Financial Inc.净利率更高（108.6% vs 0.6%，领先108.0%），OneStream, Inc.同比增速更快（23.6% vs -3.2%），过去两年OneStream, Inc.的营收复合增速更高（21.8% 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。
Blue Stream面向美国佛罗里达州科勒尔斯普林斯、韦斯顿两地的居民及商业客户，提供有线电视、有线固话、数字录像服务，以及最高速率达1G的宽带互联网接入服务，深耕当地通信市场，为用户提供稳定可靠的多元通信解决方案。
ALLY vs OS — 直观对比
营收规模更大
ALLY
是对方的1.8倍
$163.7M
营收增速更快
OS
高出26.8%
-3.2%
净利率更高
ALLY
高出108.0%
0.6%
两年增速更快
OS
近两年复合增速
11.1%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $301.0M | $163.7M |
| 净利润 | $327.0M | $999.0K |
| 毛利率 | — | 69.8% |
| 营业利润率 | — | -3.2% |
| 净利率 | 108.6% | 0.6% |
| 营收同比 | -3.2% | 23.6% |
| 净利润同比 | 333.6% | — |
| 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ALLYOS
| Q4 25 | $301.0M | $163.7M | ||
| Q3 25 | $308.0M | $154.3M | ||
| Q2 25 | $312.0M | $147.6M | ||
| Q1 25 | $323.0M | $136.3M | ||
| Q4 24 | $311.0M | $132.5M | ||
| Q3 24 | $319.0M | $129.1M | ||
| Q2 24 | $324.0M | $117.5M | ||
| Q1 24 | $244.0M | $110.3M |
净利润ALLYOS
| Q4 25 | $327.0M | $999.0K | ||
| Q3 25 | $398.0M | $-8.8M | ||
| Q2 25 | $352.0M | $-18.4M | ||
| Q1 25 | $-225.0M | $-24.0M | ||
| Q4 24 | $-140.0M | — | ||
| Q3 24 | $357.0M | $-171.9M | ||
| Q2 24 | $294.0M | $-7.8M | ||
| Q1 24 | $157.0M | $-5.0M |
毛利率ALLYOS
| Q4 25 | — | 69.8% | ||
| Q3 25 | — | 68.1% | ||
| Q2 25 | — | 68.6% | ||
| Q1 25 | — | 68.0% | ||
| Q4 24 | — | 66.8% | ||
| Q3 24 | — | 50.1% | ||
| Q2 24 | — | 68.5% | ||
| Q1 24 | — | 69.1% |
营业利润率ALLYOS
| Q4 25 | — | -3.2% | ||
| Q3 25 | — | -11.3% | ||
| Q2 25 | — | -21.8% | ||
| Q1 25 | -87.9% | -29.3% | ||
| Q4 24 | 56.3% | -35.8% | ||
| Q3 24 | 73.0% | -197.6% | ||
| Q2 24 | 79.3% | -9.8% | ||
| Q1 24 | 70.1% | -4.9% |
净利率ALLYOS
| Q4 25 | 108.6% | 0.6% | ||
| Q3 25 | 129.2% | -5.7% | ||
| Q2 25 | 112.8% | -12.5% | ||
| Q1 25 | -69.7% | -17.6% | ||
| Q4 24 | -45.0% | — | ||
| Q3 24 | 111.9% | -133.1% | ||
| Q2 24 | 90.7% | -6.7% | ||
| Q1 24 | 64.3% | -4.5% |
每股收益（稀释后）ALLYOS
| Q4 25 | $0.97 | — | ||
| Q3 25 | $1.18 | — | ||
| Q2 25 | $1.04 | — | ||
| Q1 25 | $-0.82 | — | ||
| Q4 24 | $-0.54 | — | ||
| Q3 24 | $1.06 | $-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 | $693.6M |
| 总债务越低越好 | $17.1B | — |
| 股东权益账面价值 | $15.5B | $504.7M |
| 总资产 | $196.0B | $1.0B |
| 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ALLYOS
| Q4 25 | $10.0B | $693.6M | ||
| Q3 25 | $10.2B | $653.9M | ||
| Q2 25 | $10.6B | $652.1M | ||
| Q1 25 | $10.4B | $593.9M | ||
| Q4 24 | $10.3B | $544.2M | ||
| Q3 24 | $8.6B | $495.5M | ||
| Q2 24 | $7.4B | $140.5M | ||
| Q1 24 | $8.2B | — |
总债务ALLYOS
| 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ALLYOS
| Q4 25 | $15.5B | $504.7M | ||
| Q3 25 | $15.1B | $472.1M | ||
| Q2 25 | $14.5B | $458.2M | ||
| Q1 25 | $14.2B | $412.9M | ||
| Q4 24 | $13.9B | $386.2M | ||
| Q3 24 | $14.7B | $458.2M | ||
| Q2 24 | $13.9B | $97.5M | ||
| Q1 24 | $13.7B | $102.5M |
总资产ALLYOS
| Q4 25 | $196.0B | $1.0B | ||
| Q3 25 | $191.7B | $949.4M | ||
| Q2 25 | $189.5B | $910.5M | ||
| Q1 25 | $193.3B | $867.3M | ||
| Q4 24 | $191.8B | $823.2M | ||
| Q3 24 | $193.0B | $750.1M | ||
| Q2 24 | $192.5B | $379.7M | ||
| Q1 24 | $192.9B | — |
负债/权益比ALLYOS
| 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 | $25.8M |
| 自由现金流经营现金流 - 资本支出 | — | $25.6M |
| 自由现金流率自由现金流/营收 | — | 15.7% |
| 资本支出强度资本支出/营收 | — | 0.1% |
| 现金转化率经营现金流/净利润 | 1.96× | 25.79× |
| 过去12个月自由现金流最近4个季度 | — | $95.6M |
8季度趋势，按日历期对齐
经营现金流ALLYOS
| Q4 25 | $640.0M | $25.8M | ||
| Q3 25 | $1.2B | $5.0M | ||
| Q2 25 | $947.0M | $29.7M | ||
| Q1 25 | $940.0M | $36.2M | ||
| Q4 24 | $620.0M | — | ||
| Q3 24 | $992.0M | $2.4M | ||
| Q2 24 | $1.6B | $8.1M | ||
| Q1 24 | $1.3B | $25.5M |
自由现金流ALLYOS
| Q4 25 | — | $25.6M | ||
| Q3 25 | — | $4.8M | ||
| Q2 25 | — | $29.4M | ||
| Q1 25 | — | $35.8M | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $1.3M | ||
| Q2 24 | — | $7.7M | ||
| Q1 24 | — | $24.9M |
自由现金流率ALLYOS
| Q4 25 | — | 15.7% | ||
| Q3 25 | — | 3.1% | ||
| Q2 25 | — | 19.9% | ||
| Q1 25 | — | 26.3% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 1.0% | ||
| Q2 24 | — | 6.6% | ||
| Q1 24 | — | 22.5% |
资本支出强度ALLYOS
| Q4 25 | — | 0.1% | ||
| Q3 25 | — | 0.1% | ||
| Q2 25 | — | 0.2% | ||
| Q1 25 | — | 0.3% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 0.8% | ||
| Q2 24 | — | 0.3% | ||
| Q1 24 | — | 0.6% |
现金转化率ALLYOS
| Q4 25 | 1.96× | 25.79× | ||
| Q3 25 | 3.02× | — | ||
| Q2 25 | 2.69× | — | ||
| Q1 25 | — | — | ||
| 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% |
OS
| Subscription And Circulation | $150.3M | 92% |
| Professional Services And Other | $9.4M | 6% |
| License | $4.0M | 2% |
