vs
Ally Financial Inc.（ALLY）与QCR HOLDINGS INC（QCRH）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QCR HOLDINGS INC的2.8倍（$301.0M vs $107.0M），QCR HOLDINGS INC同比增速更快（16.5% vs -3.2%），过去两年Ally Financial Inc.的营收复合增速更高（11.1% vs -13.2%）
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。
QCR控股有限公司通过旗下子公司，为阔德城和锡达拉皮兹地区的客户提供商业与零售银行服务，以及信托和资产管理服务。公司成立于1993年，总部位于伊利诺伊州莫林市。
ALLY vs QCRH — 直观对比
营收规模更大
ALLY
是对方的2.8倍
$107.0M
营收增速更快
QCRH
高出19.8%
-3.2%
两年增速更快
ALLY
近两年复合增速
-13.2%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $301.0M | $107.0M |
| 净利润 | $327.0M | — |
| 毛利率 | — | — |
| 营业利润率 | — | 36.1% |
| 净利率 | 108.6% | — |
| 营收同比 | -3.2% | 16.5% |
| 净利润同比 | 333.6% | — |
| 每股收益（稀释后） | $0.97 | $2.10 |
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ALLYQCRH
| Q4 25 | $301.0M | $107.0M | ||
| Q3 25 | $308.0M | $101.5M | ||
| Q2 25 | $312.0M | $84.2M | ||
| Q1 25 | $323.0M | $76.9M | ||
| Q4 24 | $311.0M | $91.8M | ||
| Q3 24 | $319.0M | $152.6M | ||
| Q2 24 | $324.0M | $150.6M | ||
| Q1 24 | $244.0M | $141.9M |
净利润ALLYQCRH
| Q4 25 | $327.0M | — | ||
| Q3 25 | $398.0M | $36.7M | ||
| Q2 25 | $352.0M | $29.0M | ||
| Q1 25 | $-225.0M | $25.8M | ||
| Q4 24 | $-140.0M | — | ||
| Q3 24 | $357.0M | $27.8M | ||
| Q2 24 | $294.0M | $29.1M | ||
| Q1 24 | $157.0M | $26.7M |
营业利润率ALLYQCRH
| Q4 25 | — | 36.1% | ||
| Q3 25 | — | 40.0% | ||
| Q2 25 | — | 36.3% | ||
| Q1 25 | -87.9% | 34.0% | ||
| Q4 24 | 56.3% | 36.1% | ||
| Q3 24 | 73.0% | 19.6% | ||
| Q2 24 | 79.3% | 21.0% | ||
| Q1 24 | 70.1% | 19.7% |
净利率ALLYQCRH
| Q4 25 | 108.6% | — | ||
| Q3 25 | 129.2% | 36.2% | ||
| Q2 25 | 112.8% | 34.5% | ||
| Q1 25 | -69.7% | 33.6% | ||
| Q4 24 | -45.0% | — | ||
| Q3 24 | 111.9% | 18.2% | ||
| Q2 24 | 90.7% | 19.3% | ||
| Q1 24 | 64.3% | 18.8% |
每股收益（稀释后）ALLYQCRH
| Q4 25 | $0.97 | $2.10 | ||
| Q3 25 | $1.18 | $2.16 | ||
| Q2 25 | $1.04 | $1.71 | ||
| Q1 25 | $-0.82 | $1.52 | ||
| Q4 24 | $-0.54 | $1.77 | ||
| Q3 24 | $1.06 | $1.64 | ||
| Q2 24 | $0.86 | $1.72 | ||
| Q1 24 | $0.42 | $1.58 |
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 | — |
| 总债务越低越好 | $17.1B | — |
| 股东权益账面价值 | $15.5B | $1.1B |
| 总资产 | $196.0B | $9.6B |
| 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ALLYQCRH
| Q4 25 | $10.0B | — | ||
| Q3 25 | $10.2B | — | ||
| Q2 25 | $10.6B | — | ||
| Q1 25 | $10.4B | — | ||
| Q4 24 | $10.3B | — | ||
| Q3 24 | $8.6B | — | ||
| Q2 24 | $7.4B | — | ||
| Q1 24 | $8.2B | — |
总债务ALLYQCRH
| 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ALLYQCRH
| Q4 25 | $15.5B | $1.1B | ||
| Q3 25 | $15.1B | $1.1B | ||
| Q2 25 | $14.5B | $1.1B | ||
| Q1 25 | $14.2B | $1.0B | ||
| Q4 24 | $13.9B | $997.4M | ||
| Q3 24 | $14.7B | $976.6M | ||
| Q2 24 | $13.9B | $936.3M | ||
| Q1 24 | $13.7B | $907.3M |
总资产ALLYQCRH
| Q4 25 | $196.0B | $9.6B | ||
| Q3 25 | $191.7B | $9.6B | ||
| Q2 25 | $189.5B | $9.2B | ||
| Q1 25 | $193.3B | $9.2B | ||
| Q4 24 | $191.8B | $9.0B | ||
| Q3 24 | $193.0B | $9.1B | ||
| Q2 24 | $192.5B | $8.9B | ||
| Q1 24 | $192.9B | $8.6B |
负债/权益比ALLYQCRH
| 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 | $421.5M |
| 自由现金流经营现金流 - 资本支出 | — | $354.1M |
| 自由现金流率自由现金流/营收 | — | 330.9% |
| 资本支出强度资本支出/营收 | — | 63.0% |
| 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 | — | $397.4M |
8季度趋势，按日历期对齐
经营现金流ALLYQCRH
| Q4 25 | $640.0M | $421.5M | ||
| Q3 25 | $1.2B | $47.5M | ||
| Q2 25 | $947.0M | $42.2M | ||
| Q1 25 | $940.0M | $-3.6M | ||
| Q4 24 | $620.0M | $444.5M | ||
| Q3 24 | $992.0M | $238.1M | ||
| Q2 24 | $1.6B | $26.3M | ||
| Q1 24 | $1.3B | $2.7M |
自由现金流ALLYQCRH
| Q4 25 | — | $354.1M | ||
| Q3 25 | — | $31.7M | ||
| Q2 25 | — | $24.2M | ||
| Q1 25 | — | $-12.7M | ||
| Q4 24 | — | $400.0M | ||
| Q3 24 | — | $229.9M | ||
| Q2 24 | — | $16.2M | ||
| Q1 24 | — | $-9.4M |
自由现金流率ALLYQCRH
| Q4 25 | — | 330.9% | ||
| Q3 25 | — | 31.3% | ||
| Q2 25 | — | 28.8% | ||
| Q1 25 | — | -16.5% | ||
| Q4 24 | — | 435.6% | ||
| Q3 24 | — | 150.7% | ||
| Q2 24 | — | 10.7% | ||
| Q1 24 | — | -6.6% |
资本支出强度ALLYQCRH
| Q4 25 | — | 63.0% | ||
| Q3 25 | — | 15.5% | ||
| Q2 25 | — | 21.4% | ||
| Q1 25 | — | 11.9% | ||
| Q4 24 | — | 48.4% | ||
| Q3 24 | — | 5.4% | ||
| Q2 24 | — | 6.8% | ||
| Q1 24 | — | 8.6% |
现金转化率ALLYQCRH
| Q4 25 | 1.96× | — | ||
| Q3 25 | 3.02× | 1.29× | ||
| Q2 25 | 2.69× | 1.46× | ||
| Q1 25 | — | -0.14× | ||
| Q4 24 | — | — | ||
| Q3 24 | 2.78× | 8.57× | ||
| Q2 24 | 5.36× | 0.90× | ||
| Q1 24 | 8.54× | 0.10× |
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% |
QCRH
暂无分部数据
