vs
Ally Financial Inc.（ALLY）与PROCORE TECHNOLOGIES, INC.（PCOR）财务数据对比。点击上方公司名可切换其他公司
PROCORE TECHNOLOGIES, INC.的季度营收约是Ally Financial Inc.的1.2倍（$349.1M vs $301.0M），Ally Financial Inc.净利率更高（108.6% vs -10.8%，领先119.4%），PROCORE TECHNOLOGIES, INC.同比增速更快（15.6% vs -3.2%），过去两年PROCORE TECHNOLOGIES, INC.的营收复合增速更高（13.8% 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。
Procore Technologies是2002年成立的美国建筑管理软件即服务（SaaS）企业，总部位于加利福尼亚州卡平特里亚。公司打造的全球平台可连接建筑行业从业者，支持搭建简化工作流，统一展现建筑项目信息，覆盖任务追踪、项目流程管理、日程排期等核心功能。
ALLY vs PCOR — 直观对比
营收规模更大
PCOR
是对方的1.2倍
$301.0M
营收增速更快
PCOR
高出18.8%
-3.2%
净利率更高
ALLY
高出119.4%
-10.8%
两年增速更快
PCOR
近两年复合增速
11.1%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $301.0M | $349.1M |
| 净利润 | $327.0M | $-37.6M |
| 毛利率 | — | 80.1% |
| 营业利润率 | — | -12.3% |
| 净利率 | 108.6% | -10.8% |
| 营收同比 | -3.2% | 15.6% |
| 净利润同比 | 333.6% | 39.6% |
| 每股收益（稀释后） | $0.97 | $-0.25 |
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ALLYPCOR
| Q4 25 | $301.0M | $349.1M | ||
| Q3 25 | $308.0M | $338.9M | ||
| Q2 25 | $312.0M | $323.9M | ||
| Q1 25 | $323.0M | $310.6M | ||
| Q4 24 | $311.0M | $302.0M | ||
| Q3 24 | $319.0M | $295.9M | ||
| Q2 24 | $324.0M | $284.3M | ||
| Q1 24 | $244.0M | $269.4M |
净利润ALLYPCOR
| Q4 25 | $327.0M | $-37.6M | ||
| Q3 25 | $398.0M | $-9.1M | ||
| Q2 25 | $352.0M | $-21.1M | ||
| Q1 25 | $-225.0M | $-33.0M | ||
| Q4 24 | $-140.0M | $-62.3M | ||
| Q3 24 | $357.0M | $-26.4M | ||
| Q2 24 | $294.0M | $-6.3M | ||
| Q1 24 | $157.0M | $-11.0M |
毛利率ALLYPCOR
| Q4 25 | — | 80.1% | ||
| Q3 25 | — | 79.7% | ||
| Q2 25 | — | 79.1% | ||
| Q1 25 | — | 79.1% | ||
| Q4 24 | — | 81.2% | ||
| Q3 24 | — | 81.4% | ||
| Q2 24 | — | 83.1% | ||
| Q1 24 | — | 83.0% |
营业利润率ALLYPCOR
| Q4 25 | — | -12.3% | ||
| Q3 25 | — | -4.4% | ||
| Q2 25 | — | -9.3% | ||
| Q1 25 | -87.9% | -11.7% | ||
| Q4 24 | 56.3% | -21.9% | ||
| Q3 24 | 73.0% | -12.3% | ||
| Q2 24 | 79.3% | -5.2% | ||
| Q1 24 | 70.1% | -7.0% |
净利率ALLYPCOR
| Q4 25 | 108.6% | -10.8% | ||
| Q3 25 | 129.2% | -2.7% | ||
| Q2 25 | 112.8% | -6.5% | ||
| Q1 25 | -69.7% | -10.6% | ||
| Q4 24 | -45.0% | -20.6% | ||
| Q3 24 | 111.9% | -8.9% | ||
| Q2 24 | 90.7% | -2.2% | ||
| Q1 24 | 64.3% | -4.1% |
每股收益（稀释后）ALLYPCOR
| Q4 25 | $0.97 | $-0.25 | ||
| Q3 25 | $1.18 | $-0.06 | ||
| Q2 25 | $1.04 | $-0.14 | ||
| Q1 25 | $-0.82 | $-0.22 | ||
| Q4 24 | $-0.54 | $-0.42 | ||
| Q3 24 | $1.06 | $-0.18 | ||
| Q2 24 | $0.86 | $-0.04 | ||
| Q1 24 | $0.42 | $-0.08 |
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 | $768.5M |
| 总债务越低越好 | $17.1B | — |
| 股东权益账面价值 | $15.5B | $1.3B |
| 总资产 | $196.0B | $2.2B |
| 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ALLYPCOR
| Q4 25 | $10.0B | $768.5M | ||
| Q3 25 | $10.2B | $684.0M | ||
| Q2 25 | $10.6B | $620.9M | ||
| Q1 25 | $10.4B | $566.7M | ||
| Q4 24 | $10.3B | $775.4M | ||
| Q3 24 | $8.6B | $756.9M | ||
| Q2 24 | $7.4B | $735.4M | ||
| Q1 24 | $8.2B | $744.6M |
总债务ALLYPCOR
| 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ALLYPCOR
| Q4 25 | $15.5B | $1.3B | ||
| Q3 25 | $15.1B | $1.2B | ||
| Q2 25 | $14.5B | $1.2B | ||
| Q1 25 | $14.2B | $1.2B | ||
| Q4 24 | $13.9B | $1.3B | ||
| Q3 24 | $14.7B | $1.3B | ||
| Q2 24 | $13.9B | $1.3B | ||
| Q1 24 | $13.7B | $1.2B |
总资产ALLYPCOR
| Q4 25 | $196.0B | $2.2B | ||
| Q3 25 | $191.7B | $2.1B | ||
| Q2 25 | $189.5B | $2.0B | ||
| Q1 25 | $193.3B | $1.9B | ||
| Q4 24 | $191.8B | $2.1B | ||
| Q3 24 | $193.0B | $2.0B | ||
| Q2 24 | $192.5B | $2.0B | ||
| Q1 24 | $192.9B | $1.9B |
负债/权益比ALLYPCOR
| 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 | $114.9M |
| 自由现金流经营现金流 - 资本支出 | — | $109.2M |
| 自由现金流率自由现金流/营收 | — | 31.3% |
| 资本支出强度资本支出/营收 | — | 1.6% |
| 现金转化率经营现金流/净利润 | 1.96× | — |
| 过去12个月自由现金流最近4个季度 | — | $282.2M |
8季度趋势，按日历期对齐
经营现金流ALLYPCOR
| Q4 25 | $640.0M | $114.9M | ||
| Q3 25 | $1.2B | $88.5M | ||
| Q2 25 | $947.0M | $30.8M | ||
| Q1 25 | $940.0M | $66.0M | ||
| Q4 24 | $620.0M | $29.1M | ||
| Q3 24 | $992.0M | $39.3M | ||
| Q2 24 | $1.6B | $58.7M | ||
| Q1 24 | $1.3B | $69.1M |
自由现金流ALLYPCOR
| Q4 25 | — | $109.2M | ||
| Q3 25 | — | $83.1M | ||
| Q2 25 | — | $27.9M | ||
| Q1 25 | — | $62.0M | ||
| Q4 24 | — | $17.4M | ||
| Q3 24 | — | $35.7M | ||
| Q2 24 | — | $56.8M | ||
| Q1 24 | — | $67.1M |
自由现金流率ALLYPCOR
| Q4 25 | — | 31.3% | ||
| Q3 25 | — | 24.5% | ||
| Q2 25 | — | 8.6% | ||
| Q1 25 | — | 20.0% | ||
| Q4 24 | — | 5.8% | ||
| Q3 24 | — | 12.1% | ||
| Q2 24 | — | 20.0% | ||
| Q1 24 | — | 24.9% |
资本支出强度ALLYPCOR
| Q4 25 | — | 1.6% | ||
| Q3 25 | — | 1.6% | ||
| Q2 25 | — | 0.9% | ||
| Q1 25 | — | 1.3% | ||
| Q4 24 | — | 3.9% | ||
| Q3 24 | — | 1.2% | ||
| Q2 24 | — | 0.7% | ||
| Q1 24 | — | 0.8% |
现金转化率ALLYPCOR
| Q4 25 | 1.96× | — | ||
| 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% |
PCOR
| US | $298.3M | 85% |
| Non Us | $50.9M | 15% |
