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Ally Financial Inc.（ALLY）与ONESPAWORLD HOLDINGS Ltd（OSW）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ONESPAWORLD HOLDINGS Ltd的1.2倍（$301.0M vs $242.1M），Ally Financial Inc.净利率更高（108.6% vs 5.0%，领先103.7%），ONESPAWORLD HOLDINGS Ltd同比增速更快（11.5% vs -3.2%），过去两年Ally Financial Inc.的营收复合增速更高（11.1% vs 7.1%）
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。
ALLY vs OSW — 直观对比
营收规模更大
ALLY
是对方的1.2倍
$242.1M
营收增速更快
OSW
高出14.7%
-3.2%
净利率更高
ALLY
高出103.7%
5.0%
两年增速更快
ALLY
近两年复合增速
7.1%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $301.0M | $242.1M |
| 净利润 | $327.0M | $12.1M |
| 毛利率 | — | — |
| 营业利润率 | — | 6.8% |
| 净利率 | 108.6% | 5.0% |
| 营收同比 | -3.2% | 11.5% |
| 净利润同比 | 333.6% | -16.2% |
| 每股收益（稀释后） | $0.97 | $0.12 |
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ALLYOSW
| Q4 25 | $301.0M | $242.1M | ||
| Q3 25 | $308.0M | $258.5M | ||
| Q2 25 | $312.0M | $240.7M | ||
| Q1 25 | $323.0M | $219.6M | ||
| Q4 24 | $311.0M | $217.2M | ||
| Q3 24 | $319.0M | $241.7M | ||
| Q2 24 | $324.0M | $224.9M | ||
| Q1 24 | $244.0M | $211.2M |
净利润ALLYOSW
| Q4 25 | $327.0M | $12.1M | ||
| Q3 25 | $398.0M | $24.3M | ||
| Q2 25 | $352.0M | $19.9M | ||
| Q1 25 | $-225.0M | $15.3M | ||
| Q4 24 | $-140.0M | $14.4M | ||
| Q3 24 | $357.0M | $21.6M | ||
| Q2 24 | $294.0M | $15.8M | ||
| Q1 24 | $157.0M | $21.2M |
营业利润率ALLYOSW
| Q4 25 | — | 6.8% | ||
| Q3 25 | — | 10.2% | ||
| Q2 25 | — | 9.2% | ||
| Q1 25 | -87.9% | 7.7% | ||
| Q4 24 | 56.3% | 7.9% | ||
| Q3 24 | 73.0% | 10.3% | ||
| Q2 24 | 79.3% | 8.4% | ||
| Q1 24 | 70.1% | 8.0% |
净利率ALLYOSW
| Q4 25 | 108.6% | 5.0% | ||
| Q3 25 | 129.2% | 9.4% | ||
| Q2 25 | 112.8% | 8.3% | ||
| Q1 25 | -69.7% | 7.0% | ||
| Q4 24 | -45.0% | 6.6% | ||
| Q3 24 | 111.9% | 8.9% | ||
| Q2 24 | 90.7% | 7.0% | ||
| Q1 24 | 64.3% | 10.0% |
每股收益（稀释后）ALLYOSW
| Q4 25 | $0.97 | $0.12 | ||
| Q3 25 | $1.18 | $0.23 | ||
| Q2 25 | $1.04 | $0.19 | ||
| Q1 25 | $-0.82 | $0.15 | ||
| Q4 24 | $-0.54 | $0.13 | ||
| Q3 24 | $1.06 | $0.20 | ||
| Q2 24 | $0.86 | $0.15 | ||
| Q1 24 | $0.42 | $0.21 |
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 | $16.3M |
| 总债务越低越好 | $17.1B | $84.0M |
| 股东权益账面价值 | $15.5B | $542.6M |
| 总资产 | $196.0B | $707.1M |
| 负债/权益比越低杠杆越低 | 1.10× | 0.15× |
8季度趋势，按日历期对齐
现金及短期投资ALLYOSW
| Q4 25 | $10.0B | $16.3M | ||
| Q3 25 | $10.2B | $29.6M | ||
| Q2 25 | $10.6B | $35.0M | ||
| Q1 25 | $10.4B | $22.6M | ||
| Q4 24 | $10.3B | $57.4M | ||
| Q3 24 | $8.6B | $48.8M | ||
| Q2 24 | $7.4B | $62.5M | ||
| Q1 24 | $8.2B | $65.4M |
总债务ALLYOSW
| Q4 25 | $17.1B | $84.0M | ||
| Q3 25 | $16.7B | $85.2M | ||
| Q2 25 | $15.9B | $96.2M | ||
| Q1 25 | $16.5B | $97.4M | ||
| Q4 24 | $17.5B | $98.6M | ||
| Q3 24 | $16.8B | $98.7M | ||
| Q2 24 | $16.0B | $123.8M | ||
| Q1 24 | $17.0B | $138.6M |
股东权益ALLYOSW
| Q4 25 | $15.5B | $542.6M | ||
| Q3 25 | $15.1B | $552.8M | ||
| Q2 25 | $14.5B | $548.3M | ||
| Q1 25 | $14.2B | $530.6M | ||
| Q4 24 | $13.9B | $554.5M | ||
| Q3 24 | $14.7B | $540.1M | ||
| Q2 24 | $13.9B | $532.7M | ||
| Q1 24 | $13.7B | $515.5M |
总资产ALLYOSW
| Q4 25 | $196.0B | $707.1M | ||
| Q3 25 | $191.7B | $732.6M | ||
| Q2 25 | $189.5B | $731.8M | ||
| Q1 25 | $193.3B | $708.7M | ||
| Q4 24 | $191.8B | $746.4M | ||
| Q3 24 | $193.0B | $734.0M | ||
| Q2 24 | $192.5B | $756.8M | ||
| Q1 24 | $192.9B | $763.6M |
负债/权益比ALLYOSW
| Q4 25 | 1.10× | 0.15× | ||
| Q3 25 | 1.11× | 0.15× | ||
| Q2 25 | 1.09× | 0.18× | ||
| Q1 25 | 1.16× | 0.18× | ||
| Q4 24 | 1.26× | 0.18× | ||
| Q3 24 | 1.14× | 0.18× | ||
| Q2 24 | 1.15× | 0.23× | ||
| Q1 24 | 1.25× | 0.27× |
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 | $20.0M |
| 自由现金流经营现金流 - 资本支出 | — | $14.9M |
| 自由现金流率自由现金流/营收 | — | 6.2% |
| 资本支出强度资本支出/营收 | — | 2.1% |
| 现金转化率经营现金流/净利润 | 1.96× | 1.65× |
| 过去12个月自由现金流最近4个季度 | — | $68.4M |
8季度趋势，按日历期对齐
经营现金流ALLYOSW
| Q4 25 | $640.0M | $20.0M | ||
| Q3 25 | $1.2B | $33.2M | ||
| Q2 25 | $947.0M | $20.3M | ||
| Q1 25 | $940.0M | $10.1M | ||
| Q4 24 | $620.0M | $16.6M | ||
| Q3 24 | $992.0M | $28.6M | ||
| Q2 24 | $1.6B | $18.7M | ||
| Q1 24 | $1.3B | $15.0M |
自由现金流ALLYOSW
| Q4 25 | — | $14.9M | ||
| Q3 25 | — | $27.6M | ||
| Q2 25 | — | $17.6M | ||
| Q1 25 | — | $8.4M | ||
| Q4 24 | — | $13.2M | ||
| Q3 24 | — | $27.5M | ||
| Q2 24 | — | $17.6M | ||
| Q1 24 | — | $13.7M |
自由现金流率ALLYOSW
| Q4 25 | — | 6.2% | ||
| Q3 25 | — | 10.7% | ||
| Q2 25 | — | 7.3% | ||
| Q1 25 | — | 3.8% | ||
| Q4 24 | — | 6.1% | ||
| Q3 24 | — | 11.4% | ||
| Q2 24 | — | 7.8% | ||
| Q1 24 | — | 6.5% |
资本支出强度ALLYOSW
| Q4 25 | — | 2.1% | ||
| Q3 25 | — | 2.2% | ||
| Q2 25 | — | 1.1% | ||
| Q1 25 | — | 0.8% | ||
| Q4 24 | — | 1.5% | ||
| Q3 24 | — | 0.5% | ||
| Q2 24 | — | 0.5% | ||
| Q1 24 | — | 0.6% |
现金转化率ALLYOSW
| Q4 25 | 1.96× | 1.65× | ||
| Q3 25 | 3.02× | 1.36× | ||
| Q2 25 | 2.69× | 1.02× | ||
| Q1 25 | — | 0.66× | ||
| Q4 24 | — | 1.15× | ||
| Q3 24 | 2.78× | 1.33× | ||
| Q2 24 | 5.36× | 1.19× | ||
| Q1 24 | 8.54× | 0.71× |
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% |
OSW
| Services | $197.3M | 82% |
| Products | $44.8M | 18% |
