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Ally Financial Inc.（ALLY）与Penguin Solutions, Inc.（PENG）财务数据对比。点击上方公司名可切换其他公司
Penguin Solutions, Inc.的季度营收约是Ally Financial Inc.的1.1倍（$343.1M vs $301.0M），Ally Financial Inc.净利率更高（108.6% vs 1.5%，领先107.1%），Penguin Solutions, Inc.同比增速更快（0.6% vs -3.2%），过去两年Penguin Solutions, Inc.的营收复合增速更高（11.8% 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。
企鹅解决方案公司旗下的兰波集团以拉姆齐解决方案品牌开展业务，是一家美国企业，业务涵盖个人理财、领导力发展、人际关系管理与职业发展相关产品与服务。该公司由戴夫·拉姆齐与妻子莎伦于1991年创立，总部位于田纳西州富兰克林。
ALLY vs PENG — 直观对比
营收规模更大
PENG
是对方的1.1倍
$301.0M
营收增速更快
PENG
高出3.8%
-3.2%
净利率更高
ALLY
高出107.1%
1.5%
两年增速更快
PENG
近两年复合增速
11.1%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $301.0M | $343.1M |
| 净利润 | $327.0M | $5.3M |
| 毛利率 | — | 28.0% |
| 营业利润率 | — | 5.7% |
| 净利率 | 108.6% | 1.5% |
| 营收同比 | -3.2% | 0.6% |
| 净利润同比 | 333.6% | 1.0% |
| 每股收益（稀释后） | $0.97 | $0.04 |
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ALLYPENG
| Q4 25 | $301.0M | $343.1M | ||
| Q3 25 | $308.0M | $337.9M | ||
| Q2 25 | $312.0M | $324.3M | ||
| Q1 25 | $323.0M | $365.5M | ||
| Q4 24 | $311.0M | $341.1M | ||
| Q3 24 | $319.0M | $284.8M | ||
| Q2 24 | $324.0M | $300.6M | ||
| Q1 24 | $244.0M | — |
净利润ALLYPENG
| Q4 25 | $327.0M | $5.3M | ||
| Q3 25 | $398.0M | $9.4M | ||
| Q2 25 | $352.0M | $2.7M | ||
| Q1 25 | $-225.0M | $8.1M | ||
| Q4 24 | $-140.0M | $5.2M | ||
| Q3 24 | $357.0M | — | ||
| Q2 24 | $294.0M | $5.6M | ||
| Q1 24 | $157.0M | — |
毛利率ALLYPENG
| Q4 25 | — | 28.0% | ||
| Q3 25 | — | 28.6% | ||
| Q2 25 | — | 29.3% | ||
| Q1 25 | — | 28.6% | ||
| Q4 24 | — | 28.7% | ||
| Q3 24 | — | 28.8% | ||
| Q2 24 | — | 29.6% | ||
| Q1 24 | — | — |
营业利润率ALLYPENG
| Q4 25 | — | 5.7% | ||
| Q3 25 | — | 3.7% | ||
| Q2 25 | — | 3.0% | ||
| Q1 25 | -87.9% | 5.1% | ||
| Q4 24 | 56.3% | 5.1% | ||
| Q3 24 | 73.0% | -1.2% | ||
| Q2 24 | 79.3% | 3.8% | ||
| Q1 24 | 70.1% | — |
净利率ALLYPENG
| Q4 25 | 108.6% | 1.5% | ||
| Q3 25 | 129.2% | 2.8% | ||
| Q2 25 | 112.8% | 0.8% | ||
| Q1 25 | -69.7% | 2.2% | ||
| Q4 24 | -45.0% | 1.5% | ||
| Q3 24 | 111.9% | — | ||
| Q2 24 | 90.7% | 1.9% | ||
| Q1 24 | 64.3% | — |
每股收益（稀释后）ALLYPENG
| Q4 25 | $0.97 | $0.04 | ||
| Q3 25 | $1.18 | $0.10 | ||
| Q2 25 | $1.04 | $-0.01 | ||
| Q1 25 | $-0.82 | $0.09 | ||
| Q4 24 | $-0.54 | $0.10 | ||
| Q3 24 | $1.06 | — | ||
| Q2 24 | $0.86 | $0.10 | ||
| 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 | $461.5M |
| 总债务越低越好 | $17.1B | $462.3M |
| 股东权益账面价值 | $15.5B | $389.7M |
| 总资产 | $196.0B | $1.6B |
| 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ALLYPENG
| Q4 25 | $10.0B | $461.5M | ||
| Q3 25 | $10.2B | $453.8M | ||
| Q2 25 | $10.6B | $735.5M | ||
| Q1 25 | $10.4B | $647.0M | ||
| Q4 24 | $10.3B | $393.7M | ||
| Q3 24 | $8.6B | $389.5M | ||
| Q2 24 | $7.4B | $467.5M | ||
| Q1 24 | $8.2B | — |
总债务ALLYPENG
| Q4 25 | $17.1B | $462.3M | ||
| Q3 25 | $16.7B | $461.8M | ||
| Q2 25 | $15.9B | $659.5M | ||
| Q1 25 | $16.5B | $658.8M | ||
| Q4 24 | $17.5B | $658.1M | ||
| Q3 24 | $16.8B | $657.3M | ||
| Q2 24 | $16.0B | $667.0M | ||
| Q1 24 | $17.0B | — |
股东权益ALLYPENG
| Q4 25 | $15.5B | $389.7M | ||
| Q3 25 | $15.1B | $394.2M | ||
| Q2 25 | $14.5B | $584.8M | ||
| Q1 25 | $14.2B | $602.5M | ||
| Q4 24 | $13.9B | $400.4M | ||
| Q3 24 | $14.7B | $391.4M | ||
| Q2 24 | $13.9B | $423.4M | ||
| Q1 24 | $13.7B | — |
总资产ALLYPENG
| Q4 25 | $196.0B | $1.6B | ||
| Q3 25 | $191.7B | $1.6B | ||
| Q2 25 | $189.5B | $1.8B | ||
| Q1 25 | $193.3B | $1.8B | ||
| Q4 24 | $191.8B | $1.6B | ||
| Q3 24 | $193.0B | $1.5B | ||
| Q2 24 | $192.5B | $1.5B | ||
| Q1 24 | $192.9B | — |
负债/权益比ALLYPENG
| Q4 25 | 1.10× | 1.19× | ||
| Q3 25 | 1.11× | 1.17× | ||
| Q2 25 | 1.09× | 1.13× | ||
| Q1 25 | 1.16× | 1.09× | ||
| Q4 24 | 1.26× | 1.64× | ||
| Q3 24 | 1.14× | 1.68× | ||
| Q2 24 | 1.15× | 1.58× | ||
| 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 | $31.1M |
| 自由现金流经营现金流 - 资本支出 | — | $28.2M |
| 自由现金流率自由现金流/营收 | — | 8.2% |
| 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× | 5.89× |
| 过去12个月自由现金流最近4个季度 | — | $116.3M |
8季度趋势，按日历期对齐
经营现金流ALLYPENG
| Q4 25 | $640.0M | $31.1M | ||
| Q3 25 | $1.2B | $-70.4M | ||
| Q2 25 | $947.0M | $92.8M | ||
| Q1 25 | $940.0M | $72.9M | ||
| Q4 24 | $620.0M | $13.8M | ||
| Q3 24 | $992.0M | — | ||
| Q2 24 | $1.6B | $57.9M | ||
| Q1 24 | $1.3B | — |
自由现金流ALLYPENG
| Q4 25 | — | $28.2M | ||
| Q3 25 | — | $-73.4M | ||
| Q2 25 | — | $90.9M | ||
| Q1 25 | — | $70.5M | ||
| Q4 24 | — | $12.0M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | $48.9M | ||
| Q1 24 | — | — |
自由现金流率ALLYPENG
| Q4 25 | — | 8.2% | ||
| Q3 25 | — | -21.7% | ||
| Q2 25 | — | 28.0% | ||
| Q1 25 | — | 19.3% | ||
| Q4 24 | — | 3.5% | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 16.3% | ||
| Q1 24 | — | — |
资本支出强度ALLYPENG
| Q4 25 | — | 0.8% | ||
| Q3 25 | — | 0.9% | ||
| Q2 25 | — | 0.6% | ||
| Q1 25 | — | 0.6% | ||
| Q4 24 | — | 0.5% | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 3.0% | ||
| Q1 24 | — | — |
现金转化率ALLYPENG
| Q4 25 | 1.96× | 5.89× | ||
| Q3 25 | 3.02× | -7.47× | ||
| Q2 25 | 2.69× | 34.88× | ||
| Q1 25 | — | 9.02× | ||
| Q4 24 | — | 2.65× | ||
| Q3 24 | 2.78× | — | ||
| Q2 24 | 5.36× | 10.30× | ||
| 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% |
PENG
| Integrated Memory Segment | $171.6M | 50% |
| Advanced Computing Segment | $115.7M | 34% |
| Optimized LED Segment | $55.7M | 16% |
