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Ally Financial Inc.（ALLY）与福尼克斯（PLAB）财务数据对比。点击上方公司名可切换其他公司
Ally Financial Inc.的季度营收约是福尼克斯的1.4倍（$301.0M vs $210.4M），Ally Financial Inc.净利率更高（108.6% vs 10.9%，领先97.8%），Ally Financial Inc.同比增速更快（-3.2% vs -5.5%），过去两年Ally Financial Inc.的营收复合增速更高（11.1% vs -3.8%）
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。
福尼克斯是美国半导体光掩模制造商，2009年时位居全球第三大光掩模供应商，同时也是电子束产业倡议组织的成员，专注于为半导体行业提供关键的掩模产品，支撑芯片制造环节的图形转移需求。
ALLY vs PLAB — 直观对比
营收规模更大
ALLY
是对方的1.4倍
$210.4M
营收增速更快
ALLY
高出2.3%
-5.5%
净利率更高
ALLY
高出97.8%
10.9%
两年增速更快
ALLY
近两年复合增速
-3.8%
损益表 — Q4 FY2025 vs Q3 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $301.0M | $210.4M |
| 净利润 | $327.0M | $22.9M |
| 毛利率 | — | 33.7% |
| 营业利润率 | — | 22.9% |
| 净利率 | 108.6% | 10.9% |
| 营收同比 | -3.2% | -5.5% |
| 净利润同比 | 333.6% | -32.4% |
| 每股收益（稀释后） | $0.97 | $0.39 |
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ALLYPLAB
| Q4 25 | $301.0M | — | ||
| Q3 25 | $308.0M | $210.4M | ||
| Q2 25 | $312.0M | $211.0M | ||
| Q1 25 | $323.0M | $212.1M | ||
| Q4 24 | $311.0M | $222.6M | ||
| Q3 24 | $319.0M | $211.0M | ||
| Q2 24 | $324.0M | $217.0M | ||
| Q1 24 | $244.0M | $216.3M |
净利润ALLYPLAB
| Q4 25 | $327.0M | — | ||
| Q3 25 | $398.0M | $22.9M | ||
| Q2 25 | $352.0M | $8.9M | ||
| Q1 25 | $-225.0M | $42.9M | ||
| Q4 24 | $-140.0M | $33.9M | ||
| Q3 24 | $357.0M | $34.4M | ||
| Q2 24 | $294.0M | $36.3M | ||
| Q1 24 | $157.0M | $26.2M |
毛利率ALLYPLAB
| Q4 25 | — | — | ||
| Q3 25 | — | 33.7% | ||
| Q2 25 | — | 36.9% | ||
| Q1 25 | — | 35.6% | ||
| Q4 24 | — | 37.0% | ||
| Q3 24 | — | 35.6% | ||
| Q2 24 | — | 36.5% | ||
| Q1 24 | — | 36.6% |
营业利润率ALLYPLAB
| Q4 25 | — | — | ||
| Q3 25 | — | 22.9% | ||
| Q2 25 | — | 26.4% | ||
| Q1 25 | -87.9% | 24.6% | ||
| Q4 24 | 56.3% | 25.1% | ||
| Q3 24 | 73.0% | 24.7% | ||
| Q2 24 | 79.3% | 25.8% | ||
| Q1 24 | 70.1% | 26.6% |
净利率ALLYPLAB
| Q4 25 | 108.6% | — | ||
| Q3 25 | 129.2% | 10.9% | ||
| Q2 25 | 112.8% | 4.2% | ||
| Q1 25 | -69.7% | 20.2% | ||
| Q4 24 | -45.0% | 15.2% | ||
| Q3 24 | 111.9% | 16.3% | ||
| Q2 24 | 90.7% | 16.7% | ||
| Q1 24 | 64.3% | 12.1% |
每股收益（稀释后）ALLYPLAB
| Q4 25 | $0.97 | — | ||
| Q3 25 | $1.18 | $0.39 | ||
| Q2 25 | $1.04 | $0.15 | ||
| Q1 25 | $-0.82 | $0.68 | ||
| Q4 24 | $-0.54 | $0.54 | ||
| Q3 24 | $1.06 | $0.55 | ||
| Q2 24 | $0.86 | $0.58 | ||
| Q1 24 | $0.42 | $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 | $575.8M |
| 总债务越低越好 | $17.1B | $16.0K |
| 股东权益账面价值 | $15.5B | $1.1B |
| 总资产 | $196.0B | $1.8B |
| 负债/权益比越低杠杆越低 | 1.10× | 0.00× |
8季度趋势，按日历期对齐
现金及短期投资ALLYPLAB
| Q4 25 | $10.0B | — | ||
| Q3 25 | $10.2B | $575.8M | ||
| Q2 25 | $10.6B | $558.4M | ||
| Q1 25 | $10.4B | $642.2M | ||
| Q4 24 | $10.3B | $640.7M | ||
| Q3 24 | $8.6B | $606.4M | ||
| Q2 24 | $7.4B | $559.9M | ||
| Q1 24 | $8.2B | $521.5M |
总债务ALLYPLAB
| Q4 25 | $17.1B | — | ||
| Q3 25 | $16.7B | $16.0K | ||
| Q2 25 | $15.9B | $19.0K | ||
| Q1 25 | $16.5B | $21.0K | ||
| Q4 24 | $17.5B | $25.0K | ||
| Q3 24 | $16.8B | $28.0K | ||
| Q2 24 | $16.0B | $2.5M | ||
| Q1 24 | $17.0B | $2.7M |
股东权益ALLYPLAB
| Q4 25 | $15.5B | — | ||
| Q3 25 | $15.1B | $1.1B | ||
| Q2 25 | $14.5B | $1.1B | ||
| Q1 25 | $14.2B | $1.1B | ||
| Q4 24 | $13.9B | $1.1B | ||
| Q3 24 | $14.7B | $1.1B | ||
| Q2 24 | $13.9B | $1.0B | ||
| Q1 24 | $13.7B | $1.0B |
总资产ALLYPLAB
| Q4 25 | $196.0B | — | ||
| Q3 25 | $191.7B | $1.8B | ||
| Q2 25 | $189.5B | $1.7B | ||
| Q1 25 | $193.3B | $1.7B | ||
| Q4 24 | $191.8B | $1.7B | ||
| Q3 24 | $193.0B | $1.6B | ||
| Q2 24 | $192.5B | $1.6B | ||
| Q1 24 | $192.9B | $1.6B |
负债/权益比ALLYPLAB
| Q4 25 | 1.10× | — | ||
| Q3 25 | 1.11× | 0.00× | ||
| Q2 25 | 1.09× | 0.00× | ||
| Q1 25 | 1.16× | 0.00× | ||
| Q4 24 | 1.26× | 0.00× | ||
| Q3 24 | 1.14× | 0.00× | ||
| Q2 24 | 1.15× | 0.00× | ||
| Q1 24 | 1.25× | 0.00× |
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 | $50.1M |
| 自由现金流经营现金流 - 资本支出 | — | $25.2M |
| 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 | — | 11.8% |
| 现金转化率经营现金流/净利润 | 1.96× | 2.19× |
| 过去12个月自由现金流最近4个季度 | — | $64.5M |
8季度趋势，按日历期对齐
经营现金流ALLYPLAB
| Q4 25 | $640.0M | — | ||
| Q3 25 | $1.2B | $50.1M | ||
| Q2 25 | $947.0M | $31.5M | ||
| Q1 25 | $940.0M | $78.5M | ||
| Q4 24 | $620.0M | $68.4M | ||
| Q3 24 | $992.0M | $75.1M | ||
| Q2 24 | $1.6B | $76.5M | ||
| Q1 24 | $1.3B | $41.5M |
自由现金流ALLYPLAB
| Q4 25 | — | — | ||
| Q3 25 | — | $25.2M | ||
| Q2 25 | — | $-29.1M | ||
| Q1 25 | — | $43.3M | ||
| Q4 24 | — | $25.2M | ||
| Q3 24 | — | $50.7M | ||
| Q2 24 | — | $56.5M | ||
| Q1 24 | — | $-1.8M |
自由现金流率ALLYPLAB
| Q4 25 | — | — | ||
| Q3 25 | — | 12.0% | ||
| Q2 25 | — | -13.8% | ||
| Q1 25 | — | 20.4% | ||
| Q4 24 | — | 11.3% | ||
| Q3 24 | — | 24.0% | ||
| Q2 24 | — | 26.0% | ||
| Q1 24 | — | -0.8% |
资本支出强度ALLYPLAB
| Q4 25 | — | — | ||
| Q3 25 | — | 11.8% | ||
| Q2 25 | — | 28.7% | ||
| Q1 25 | — | 16.6% | ||
| Q4 24 | — | 19.4% | ||
| Q3 24 | — | 11.6% | ||
| Q2 24 | — | 9.2% | ||
| Q1 24 | — | 20.0% |
现金转化率ALLYPLAB
| Q4 25 | 1.96× | — | ||
| Q3 25 | 3.02× | 2.19× | ||
| Q2 25 | 2.69× | 3.55× | ||
| Q1 25 | — | 1.83× | ||
| Q4 24 | — | 2.02× | ||
| Q3 24 | 2.78× | 2.18× | ||
| Q2 24 | 5.36× | 2.11× | ||
| Q1 24 | 8.54× | 1.59× |
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% |
PLAB
| High End Integrated Circuits | $53.6M | 25% |
| High End Flat Panel Displays | $53.5M | 25% |
| KR | $43.7M | 21% |
| Other | $42.1M | 20% |
| Mainstream Flat Panel Displays | $9.1M | 4% |
| Transferred At Point In Time | $8.4M | 4% |
