vs
Ally Financial Inc.（ALLY）与PROGRESS SOFTWARE CORP（PRGS）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PROGRESS SOFTWARE CORP的1.2倍（$301.0M vs $252.7M），Ally Financial Inc.净利率更高（108.6% vs 10.2%，领先98.4%），PROGRESS SOFTWARE CORP同比增速更快（17.5% vs -3.2%），过去两年PROGRESS SOFTWARE CORP的营收复合增速更高（17.0% 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。
Progress Software是全球领先的企业级软件服务商，主营应用开发平台、数据连接工具、数字体验解决方案等产品，服务覆盖金融、医疗、制造、零售等多行业的全球企业客户，助力客户搭建高性能可扩展的业务应用，提升运营效率。
ALLY vs PRGS — 直观对比
营收规模更大
ALLY
是对方的1.2倍
$252.7M
营收增速更快
PRGS
高出20.8%
-3.2%
净利率更高
ALLY
高出98.4%
10.2%
两年增速更快
PRGS
近两年复合增速
11.1%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $301.0M | $252.7M |
| 净利润 | $327.0M | $25.7M |
| 毛利率 | — | 81.6% |
| 营业利润率 | — | 15.2% |
| 净利率 | 108.6% | 10.2% |
| 营收同比 | -3.2% | 17.5% |
| 净利润同比 | 333.6% | 2144.6% |
| 每股收益（稀释后） | $0.97 | $0.59 |
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ALLYPRGS
| Q4 25 | $301.0M | $252.7M | ||
| Q3 25 | $308.0M | $249.8M | ||
| Q2 25 | $312.0M | $237.4M | ||
| Q1 25 | $323.0M | $238.0M | ||
| Q4 24 | $311.0M | $215.0M | ||
| Q3 24 | $319.0M | $178.7M | ||
| Q2 24 | $324.0M | $175.1M | ||
| Q1 24 | $244.0M | $184.7M |
净利润ALLYPRGS
| Q4 25 | $327.0M | $25.7M | ||
| Q3 25 | $398.0M | $19.4M | ||
| Q2 25 | $352.0M | $17.0M | ||
| Q1 25 | $-225.0M | $10.9M | ||
| Q4 24 | $-140.0M | $1.1M | ||
| Q3 24 | $357.0M | $28.5M | ||
| Q2 24 | $294.0M | $16.2M | ||
| Q1 24 | $157.0M | $22.6M |
毛利率ALLYPRGS
| Q4 25 | — | 81.6% | ||
| Q3 25 | — | 81.0% | ||
| Q2 25 | — | 80.1% | ||
| Q1 25 | — | 80.6% | ||
| Q4 24 | — | 83.0% | ||
| Q3 24 | — | 83.7% | ||
| Q2 24 | — | 81.7% | ||
| Q1 24 | — | 82.2% |
营业利润率ALLYPRGS
| Q4 25 | — | 15.2% | ||
| Q3 25 | — | 17.6% | ||
| Q2 25 | — | 16.3% | ||
| Q1 25 | -87.9% | 13.6% | ||
| Q4 24 | 56.3% | 10.0% | ||
| Q3 24 | 73.0% | 22.6% | ||
| Q2 24 | 79.3% | 15.5% | ||
| Q1 24 | 70.1% | 19.0% |
净利率ALLYPRGS
| Q4 25 | 108.6% | 10.2% | ||
| Q3 25 | 129.2% | 7.8% | ||
| Q2 25 | 112.8% | 7.2% | ||
| Q1 25 | -69.7% | 4.6% | ||
| Q4 24 | -45.0% | 0.5% | ||
| Q3 24 | 111.9% | 15.9% | ||
| Q2 24 | 90.7% | 9.2% | ||
| Q1 24 | 64.3% | 12.3% |
每股收益（稀释后）ALLYPRGS
| Q4 25 | $0.97 | $0.59 | ||
| Q3 25 | $1.18 | $0.44 | ||
| Q2 25 | $1.04 | $0.39 | ||
| Q1 25 | $-0.82 | $0.24 | ||
| Q4 24 | $-0.54 | $0.01 | ||
| Q3 24 | $1.06 | $0.65 | ||
| Q2 24 | $0.86 | $0.37 | ||
| Q1 24 | $0.42 | $0.51 |
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 | $94.8M |
| 总债务越低越好 | $17.1B | $1.4B |
| 股东权益账面价值 | $15.5B | $478.3M |
| 总资产 | $196.0B | $2.5B |
| 负债/权益比越低杠杆越低 | 1.10× | 2.93× |
8季度趋势，按日历期对齐
现金及短期投资ALLYPRGS
| Q4 25 | $10.0B | $94.8M | ||
| Q3 25 | $10.2B | $99.0M | ||
| Q2 25 | $10.6B | $102.0M | ||
| Q1 25 | $10.4B | $124.2M | ||
| Q4 24 | $10.3B | $118.1M | ||
| Q3 24 | $8.6B | $232.7M | ||
| Q2 24 | $7.4B | $190.4M | ||
| Q1 24 | $8.2B | $133.2M |
总债务ALLYPRGS
| Q4 25 | $17.1B | $1.4B | ||
| Q3 25 | $16.7B | $1.4B | ||
| Q2 25 | $15.9B | $1.5B | ||
| Q1 25 | $16.5B | $1.5B | ||
| Q4 24 | $17.5B | $1.5B | ||
| Q3 24 | $16.8B | — | ||
| Q2 24 | $16.0B | — | ||
| Q1 24 | $17.0B | — |
股东权益ALLYPRGS
| Q4 25 | $15.5B | $478.3M | ||
| Q3 25 | $15.1B | $477.7M | ||
| Q2 25 | $14.5B | $452.7M | ||
| Q1 25 | $14.2B | $431.8M | ||
| Q4 24 | $13.9B | $438.8M | ||
| Q3 24 | $14.7B | $425.6M | ||
| Q2 24 | $13.9B | $401.7M | ||
| Q1 24 | $13.7B | $461.7M |
总资产ALLYPRGS
| Q4 25 | $196.0B | $2.5B | ||
| Q3 25 | $191.7B | $2.4B | ||
| Q2 25 | $189.5B | $2.4B | ||
| Q1 25 | $193.3B | $2.5B | ||
| Q4 24 | $191.8B | $2.5B | ||
| Q3 24 | $193.0B | $1.6B | ||
| Q2 24 | $192.5B | $1.6B | ||
| Q1 24 | $192.9B | $1.5B |
负债/权益比ALLYPRGS
| Q4 25 | 1.10× | 2.93× | ||
| Q3 25 | 1.11× | 2.97× | ||
| Q2 25 | 1.09× | 3.22× | ||
| Q1 25 | 1.16× | 3.50× | ||
| Q4 24 | 1.26× | 3.48× | ||
| 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 | $62.8M |
| 自由现金流经营现金流 - 资本支出 | — | $59.9M |
| 自由现金流率自由现金流/营收 | — | 23.7% |
| 资本支出强度资本支出/营收 | — | 1.1% |
| 现金转化率经营现金流/净利润 | 1.96× | 2.44× |
| 过去12个月自由现金流最近4个季度 | — | $229.5M |
8季度趋势，按日历期对齐
经营现金流ALLYPRGS
| Q4 25 | $640.0M | $62.8M | ||
| Q3 25 | $1.2B | $73.4M | ||
| Q2 25 | $947.0M | $30.0M | ||
| Q1 25 | $940.0M | $68.9M | ||
| Q4 24 | $620.0M | $19.7M | ||
| Q3 24 | $992.0M | $57.7M | ||
| Q2 24 | $1.6B | $63.7M | ||
| Q1 24 | $1.3B | $70.5M |
自由现金流ALLYPRGS
| Q4 25 | — | $59.9M | ||
| Q3 25 | — | $72.4M | ||
| Q2 25 | — | $29.5M | ||
| Q1 25 | — | $67.7M | ||
| Q4 24 | — | $16.8M | ||
| Q3 24 | — | $56.6M | ||
| Q2 24 | — | $62.7M | ||
| Q1 24 | — | $70.2M |
自由现金流率ALLYPRGS
| Q4 25 | — | 23.7% | ||
| Q3 25 | — | 29.0% | ||
| Q2 25 | — | 12.4% | ||
| Q1 25 | — | 28.4% | ||
| Q4 24 | — | 7.8% | ||
| Q3 24 | — | 31.7% | ||
| Q2 24 | — | 35.8% | ||
| Q1 24 | — | 38.0% |
资本支出强度ALLYPRGS
| Q4 25 | — | 1.1% | ||
| Q3 25 | — | 0.4% | ||
| Q2 25 | — | 0.2% | ||
| Q1 25 | — | 0.5% | ||
| Q4 24 | — | 1.3% | ||
| Q3 24 | — | 0.6% | ||
| Q2 24 | — | 0.5% | ||
| Q1 24 | — | 0.2% |
现金转化率ALLYPRGS
| Q4 25 | 1.96× | 2.44× | ||
| Q3 25 | 3.02× | 3.78× | ||
| Q2 25 | 2.69× | 1.76× | ||
| Q1 25 | — | 6.30× | ||
| Q4 24 | — | 17.13× | ||
| Q3 24 | 2.78× | 2.03× | ||
| Q2 24 | 5.36× | 3.93× | ||
| Q1 24 | 8.54× | 3.11× |
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% |
PRGS
| Maintenanceand Services | $187.5M | 74% |
| Share File Acquisition | $67.5M | 27% |
