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Ally Financial Inc.（ALLY）与OSI SYSTEMS INC（OSIS）财务数据对比。点击上方公司名可切换其他公司
OSI SYSTEMS INC的季度营收约是Ally Financial Inc.的1.5倍（$464.1M vs $301.0M），Ally Financial Inc.净利率更高（108.6% vs 8.3%，领先100.3%），OSI SYSTEMS INC同比增速更快（10.5% vs -3.2%），过去两年Ally Financial Inc.的营收复合增速更高（11.1% vs 7.0%）
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。
OSI系统公司是总部位于美国加利福尼亚州的企业，主营安全检测系统、医疗设备及光电器件三大业务板块，产品涵盖机场安检X光机、金属探测器、医疗监护与麻醉系统等，旗下拥有Spacelabs Healthcare、Rapiscan Systems、OSI Optoelectronics等子公司，全球员工规模约3180人。
ALLY vs OSIS — 直观对比
营收规模更大
OSIS
是对方的1.5倍
$301.0M
营收增速更快
OSIS
高出13.8%
-3.2%
净利率更高
ALLY
高出100.3%
8.3%
两年增速更快
ALLY
近两年复合增速
7.0%
损益表 — Q4 FY2025 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $301.0M | $464.1M |
| 净利润 | $327.0M | $38.7M |
| 毛利率 | — | 32.7% |
| 营业利润率 | — | 12.7% |
| 净利率 | 108.6% | 8.3% |
| 营收同比 | -3.2% | 10.5% |
| 净利润同比 | 333.6% | 2.3% |
| 每股收益（稀释后） | $0.97 | $2.22 |
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ALLYOSIS
| Q4 25 | $301.0M | $464.1M | ||
| Q3 25 | $308.0M | $384.6M | ||
| Q2 25 | $312.0M | $505.0M | ||
| Q1 25 | $323.0M | $444.4M | ||
| Q4 24 | $311.0M | $419.8M | ||
| Q3 24 | $319.0M | $344.0M | ||
| Q2 24 | $324.0M | $480.9M | ||
| Q1 24 | $244.0M | $405.4M |
净利润ALLYOSIS
| Q4 25 | $327.0M | $38.7M | ||
| Q3 25 | $398.0M | $20.6M | ||
| Q2 25 | $352.0M | $52.7M | ||
| Q1 25 | $-225.0M | $41.1M | ||
| Q4 24 | $-140.0M | $37.8M | ||
| Q3 24 | $357.0M | $17.9M | ||
| Q2 24 | $294.0M | $44.7M | ||
| Q1 24 | $157.0M | $34.0M |
毛利率ALLYOSIS
| Q4 25 | — | 32.7% | ||
| Q3 25 | — | 32.0% | ||
| Q2 25 | — | 33.3% | ||
| Q1 25 | — | 33.8% | ||
| Q4 24 | — | 35.1% | ||
| Q3 24 | — | 35.3% | ||
| Q2 24 | — | 32.1% | ||
| Q1 24 | — | 33.6% |
营业利润率ALLYOSIS
| Q4 25 | — | 12.7% | ||
| Q3 25 | — | 8.6% | ||
| Q2 25 | — | 14.5% | ||
| Q1 25 | -87.9% | 12.7% | ||
| Q4 24 | 56.3% | 13.8% | ||
| Q3 24 | 73.0% | 8.8% | ||
| Q2 24 | 79.3% | 13.1% | ||
| Q1 24 | 70.1% | 12.7% |
净利率ALLYOSIS
| Q4 25 | 108.6% | 8.3% | ||
| Q3 25 | 129.2% | 5.3% | ||
| Q2 25 | 112.8% | 10.4% | ||
| Q1 25 | -69.7% | 9.3% | ||
| Q4 24 | -45.0% | 9.0% | ||
| Q3 24 | 111.9% | 5.2% | ||
| Q2 24 | 90.7% | 9.3% | ||
| Q1 24 | 64.3% | 8.4% |
每股收益（稀释后）ALLYOSIS
| Q4 25 | $0.97 | $2.22 | ||
| Q3 25 | $1.18 | $1.18 | ||
| Q2 25 | $1.04 | $3.04 | ||
| Q1 25 | $-0.82 | $2.40 | ||
| Q4 24 | $-0.54 | $2.22 | ||
| Q3 24 | $1.06 | $1.05 | ||
| Q2 24 | $0.86 | $2.57 | ||
| Q1 24 | $0.42 | $1.95 |
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 | $336.7M |
| 总债务越低越好 | $17.1B | $1.0B |
| 股东权益账面价值 | $15.5B | $845.5M |
| 总资产 | $196.0B | $2.5B |
| 负债/权益比越低杠杆越低 | 1.10× | 1.19× |
8季度趋势，按日历期对齐
现金及短期投资ALLYOSIS
| Q4 25 | $10.0B | $336.7M | ||
| Q3 25 | $10.2B | $124.4M | ||
| Q2 25 | $10.6B | $106.4M | ||
| Q1 25 | $10.4B | $95.8M | ||
| Q4 24 | $10.3B | $101.6M | ||
| Q3 24 | $8.6B | $85.1M | ||
| Q2 24 | $7.4B | $95.4M | ||
| Q1 24 | $8.2B | $101.4M |
总债务ALLYOSIS
| Q4 25 | $17.1B | $1.0B | ||
| Q3 25 | $16.7B | $442.2M | ||
| Q2 25 | $15.9B | $471.6M | ||
| Q1 25 | $16.5B | $473.2M | ||
| Q4 24 | $17.5B | $474.8M | ||
| Q3 24 | $16.8B | $476.3M | ||
| Q2 24 | $16.0B | $137.6M | ||
| Q1 24 | $17.0B | — |
股东权益ALLYOSIS
| Q4 25 | $15.5B | $845.5M | ||
| Q3 25 | $15.1B | $946.0M | ||
| Q2 25 | $14.5B | $951.1M | ||
| Q1 25 | $14.2B | $879.3M | ||
| Q4 24 | $13.9B | $825.8M | ||
| Q3 24 | $14.7B | $786.5M | ||
| Q2 24 | $13.9B | $863.5M | ||
| Q1 24 | $13.7B | $813.4M |
总资产ALLYOSIS
| Q4 25 | $196.0B | $2.5B | ||
| Q3 25 | $191.7B | $2.3B | ||
| Q2 25 | $189.5B | $2.2B | ||
| Q1 25 | $193.3B | $2.1B | ||
| Q4 24 | $191.8B | $2.1B | ||
| Q3 24 | $193.0B | $2.1B | ||
| Q2 24 | $192.5B | $1.9B | ||
| Q1 24 | $192.9B | $1.8B |
负债/权益比ALLYOSIS
| Q4 25 | 1.10× | 1.19× | ||
| Q3 25 | 1.11× | 0.47× | ||
| Q2 25 | 1.09× | 0.50× | ||
| Q1 25 | 1.16× | 0.54× | ||
| Q4 24 | 1.26× | 0.57× | ||
| Q3 24 | 1.14× | 0.61× | ||
| Q2 24 | 1.15× | 0.16× | ||
| 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 | $62.2M |
| 自由现金流经营现金流 - 资本支出 | — | $55.5M |
| 自由现金流率自由现金流/营收 | — | 12.0% |
| 资本支出强度资本支出/营收 | — | 1.4% |
| 现金转化率经营现金流/净利润 | 1.96× | 1.61× |
| 过去12个月自由现金流最近4个季度 | — | $137.2M |
8季度趋势，按日历期对齐
经营现金流ALLYOSIS
| Q4 25 | $640.0M | $62.2M | ||
| Q3 25 | $1.2B | $17.1M | ||
| Q2 25 | $947.0M | $562.0K | ||
| Q1 25 | $940.0M | $81.6M | ||
| Q4 24 | $620.0M | $52.5M | ||
| Q3 24 | $992.0M | $-37.2M | ||
| Q2 24 | $1.6B | $-29.0M | ||
| Q1 24 | $1.3B | $-52.1M |
自由现金流ALLYOSIS
| Q4 25 | — | $55.5M | ||
| Q3 25 | — | $10.1M | ||
| Q2 25 | — | $-5.6M | ||
| Q1 25 | — | $77.1M | ||
| Q4 24 | — | $47.1M | ||
| Q3 24 | — | $-44.9M | ||
| Q2 24 | — | $-37.5M | ||
| Q1 24 | — | $-57.0M |
自由现金流率ALLYOSIS
| Q4 25 | — | 12.0% | ||
| Q3 25 | — | 2.6% | ||
| Q2 25 | — | -1.1% | ||
| Q1 25 | — | 17.4% | ||
| Q4 24 | — | 11.2% | ||
| Q3 24 | — | -13.0% | ||
| Q2 24 | — | -7.8% | ||
| Q1 24 | — | -14.1% |
资本支出强度ALLYOSIS
| Q4 25 | — | 1.4% | ||
| Q3 25 | — | 1.8% | ||
| Q2 25 | — | 1.2% | ||
| Q1 25 | — | 1.0% | ||
| Q4 24 | — | 1.3% | ||
| Q3 24 | — | 2.2% | ||
| Q2 24 | — | 1.8% | ||
| Q1 24 | — | 1.2% |
现金转化率ALLYOSIS
| Q4 25 | 1.96× | 1.61× | ||
| Q3 25 | 3.02× | 0.83× | ||
| Q2 25 | 2.69× | 0.01× | ||
| Q1 25 | — | 1.98× | ||
| Q4 24 | — | 1.39× | ||
| Q3 24 | 2.78× | -2.07× | ||
| Q2 24 | 5.36× | -0.65× | ||
| Q1 24 | 8.54× | -1.53× |
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% |
OSIS
| Security Division | $334.7M | 72% |
| Optoelectronics And Manufacturing Division | $92.8M | 20% |
| Healthcare Division | $36.5M | 8% |
