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Ally Financial Inc.（ALLY）与UiPath, Inc.（PATH）财务数据对比。点击上方公司名可切换其他公司
UiPath, Inc.的季度营收约是Ally Financial Inc.的1.4倍（$411.1M vs $301.0M），Ally Financial Inc.净利率更高（108.6% vs 48.4%，领先60.3%），UiPath, Inc.同比增速更快（15.9% vs -3.2%），过去两年Ally Financial Inc.的营收复合增速更高（11.1% vs 0.7%）
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。
UiPath是一家全球化软件企业，专注于开发人工智能、智能自动化及流程编排类软件，其产品支持用户搭建与调度AI代理，实现复杂业务流程、工作流的自动化运行，助力各行业客户提升运营效率、降低人力成本。
ALLY vs PATH — 直观对比
营收规模更大
PATH
是对方的1.4倍
$301.0M
营收增速更快
PATH
高出19.1%
-3.2%
净利率更高
ALLY
高出60.3%
48.4%
两年增速更快
ALLY
近两年复合增速
0.7%
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $301.0M | $411.1M |
| 净利润 | $327.0M | $198.8M |
| 毛利率 | — | 83.3% |
| 营业利润率 | — | 3.2% |
| 净利率 | 108.6% | 48.4% |
| 营收同比 | -3.2% | 15.9% |
| 净利润同比 | 333.6% | 1966.2% |
| 每股收益（稀释后） | $0.97 | $0.37 |
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ALLYPATH
| Q4 25 | $301.0M | $411.1M | ||
| Q3 25 | $308.0M | $361.7M | ||
| Q2 25 | $312.0M | $356.6M | ||
| Q1 25 | $323.0M | $423.6M | ||
| Q4 24 | $311.0M | $354.7M | ||
| Q3 24 | $319.0M | $316.3M | ||
| Q2 24 | $324.0M | $335.1M | ||
| Q1 24 | $244.0M | $405.3M |
净利润ALLYPATH
| Q4 25 | $327.0M | $198.8M | ||
| Q3 25 | $398.0M | $1.6M | ||
| Q2 25 | $352.0M | $-22.6M | ||
| Q1 25 | $-225.0M | $51.8M | ||
| Q4 24 | $-140.0M | $-10.7M | ||
| Q3 24 | $357.0M | $-86.1M | ||
| Q2 24 | $294.0M | $-28.7M | ||
| Q1 24 | $157.0M | $33.9M |
毛利率ALLYPATH
| Q4 25 | — | 83.3% | ||
| Q3 25 | — | 82.2% | ||
| Q2 25 | — | 82.1% | ||
| Q1 25 | — | 84.8% | ||
| Q4 24 | — | 82.0% | ||
| Q3 24 | — | 80.0% | ||
| Q2 24 | — | 83.5% | ||
| Q1 24 | — | 86.8% |
营业利润率ALLYPATH
| Q4 25 | — | 3.2% | ||
| Q3 25 | — | -5.6% | ||
| Q2 25 | — | -4.6% | ||
| Q1 25 | -87.9% | 7.9% | ||
| Q4 24 | 56.3% | -12.2% | ||
| Q3 24 | 73.0% | -32.7% | ||
| Q2 24 | 79.3% | -14.8% | ||
| Q1 24 | 70.1% | 3.7% |
净利率ALLYPATH
| Q4 25 | 108.6% | 48.4% | ||
| Q3 25 | 129.2% | 0.4% | ||
| Q2 25 | 112.8% | -6.3% | ||
| Q1 25 | -69.7% | 12.2% | ||
| Q4 24 | -45.0% | -3.0% | ||
| Q3 24 | 111.9% | -27.2% | ||
| Q2 24 | 90.7% | -8.6% | ||
| Q1 24 | 64.3% | 8.4% |
每股收益（稀释后）ALLYPATH
| Q4 25 | $0.97 | $0.37 | ||
| Q3 25 | $1.18 | $0.00 | ||
| Q2 25 | $1.04 | $-0.04 | ||
| Q1 25 | $-0.82 | $0.09 | ||
| Q4 24 | $-0.54 | $-0.02 | ||
| Q3 24 | $1.06 | $-0.15 | ||
| Q2 24 | $0.86 | $-0.05 | ||
| Q1 24 | $0.42 | $0.07 |
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 | $1.4B |
| 总债务越低越好 | $17.1B | — |
| 股东权益账面价值 | $15.5B | $1.9B |
| 总资产 | $196.0B | $2.9B |
| 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ALLYPATH
| Q4 25 | $10.0B | $1.4B | ||
| Q3 25 | $10.2B | $1.4B | ||
| Q2 25 | $10.6B | $1.6B | ||
| Q1 25 | $10.4B | $1.6B | ||
| Q4 24 | $10.3B | $1.6B | ||
| Q3 24 | $8.6B | $1.7B | ||
| Q2 24 | $7.4B | $1.9B | ||
| Q1 24 | $8.2B | $1.9B |
总债务ALLYPATH
| 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ALLYPATH
| Q4 25 | $15.5B | $1.9B | ||
| Q3 25 | $15.1B | $1.7B | ||
| Q2 25 | $14.5B | $1.7B | ||
| Q1 25 | $14.2B | $1.8B | ||
| Q4 24 | $13.9B | $1.7B | ||
| Q3 24 | $14.7B | $1.8B | ||
| Q2 24 | $13.9B | $2.0B | ||
| Q1 24 | $13.7B | $2.0B |
总资产ALLYPATH
| Q4 25 | $196.0B | $2.9B | ||
| Q3 25 | $191.7B | $2.6B | ||
| Q2 25 | $189.5B | $2.6B | ||
| Q1 25 | $193.3B | $2.9B | ||
| Q4 24 | $191.8B | $2.7B | ||
| Q3 24 | $193.0B | $2.7B | ||
| Q2 24 | $192.5B | $2.8B | ||
| Q1 24 | $192.9B | $3.0B |
负债/权益比ALLYPATH
| 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 | $28.3M |
| 自由现金流经营现金流 - 资本支出 | — | $25.1M |
| 自由现金流率自由现金流/营收 | — | 6.1% |
| 资本支出强度资本支出/营收 | — | 0.8% |
| 现金转化率经营现金流/净利润 | 1.96× | 0.14× |
| 过去12个月自由现金流最近4个季度 | — | — |
8季度趋势，按日历期对齐
经营现金流ALLYPATH
| Q4 25 | $640.0M | $28.3M | ||
| Q3 25 | $1.2B | $41.6M | ||
| Q2 25 | $947.0M | $119.0M | ||
| Q1 25 | $940.0M | $146.1M | ||
| Q4 24 | $620.0M | $28.1M | ||
| Q3 24 | $992.0M | $46.4M | ||
| Q2 24 | $1.6B | $100.0M | ||
| Q1 24 | $1.3B | $145.6M |
自由现金流ALLYPATH
| Q4 25 | — | $25.1M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | $106.2M | ||
| Q1 25 | — | $138.7M | ||
| Q4 24 | — | $23.2M | ||
| Q3 24 | — | $45.0M | ||
| Q2 24 | — | $98.8M | ||
| Q1 24 | — | $141.8M |
自由现金流率ALLYPATH
| Q4 25 | — | 6.1% | ||
| Q3 25 | — | — | ||
| Q2 25 | — | 29.8% | ||
| Q1 25 | — | 32.7% | ||
| Q4 24 | — | 6.5% | ||
| Q3 24 | — | 14.2% | ||
| Q2 24 | — | 29.5% | ||
| Q1 24 | — | 35.0% |
资本支出强度ALLYPATH
| Q4 25 | — | 0.8% | ||
| Q3 25 | — | 0.0% | ||
| Q2 25 | — | 3.6% | ||
| Q1 25 | — | 1.7% | ||
| Q4 24 | — | 1.4% | ||
| Q3 24 | — | 0.4% | ||
| Q2 24 | — | 0.4% | ||
| Q1 24 | — | 0.9% |
现金转化率ALLYPATH
| Q4 25 | 1.96× | 0.14× | ||
| Q3 25 | 3.02× | 26.25× | ||
| Q2 25 | 2.69× | — | ||
| Q1 25 | — | 2.82× | ||
| Q4 24 | — | — | ||
| Q3 24 | 2.78× | — | ||
| Q2 24 | 5.36× | — | ||
| Q1 24 | 8.54× | 4.29× |
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% |
PATH
| Subscription Services | $247.6M | 60% |
| License | $150.0M | 36% |
| Professional Services And Other | $13.5M | 3% |
