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Ally Financial Inc.（ALLY）与LiveRamp Holdings, Inc.（RAMP）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LiveRamp Holdings, Inc.的1.4倍（$301.0M vs $212.2M），Ally Financial Inc.净利率更高（108.6% vs 18.8%，领先89.8%），LiveRamp Holdings, Inc.同比增速更快（8.6% vs -3.2%），过去两年LiveRamp Holdings, Inc.的营收复合增速更高（11.1% 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。
LiveRamp Holdings, Inc.是一家美国SaaS企业，核心业务为提供数据连接平台，服务涵盖数据导入、线下数据线上迁移等能力，助力企业开展营销相关的数据应用，为品牌及营销从业者的数字化运营提供技术支撑。
ALLY vs RAMP — 直观对比
营收规模更大
ALLY
是对方的1.4倍
$212.2M
营收增速更快
RAMP
高出11.8%
-3.2%
净利率更高
ALLY
高出89.8%
18.8%
两年增速更快
RAMP
近两年复合增速
11.1%
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $301.0M | $212.2M |
| 净利润 | $327.0M | $39.9M |
| 毛利率 | — | 71.9% |
| 营业利润率 | — | 18.6% |
| 净利率 | 108.6% | 18.8% |
| 营收同比 | -3.2% | 8.6% |
| 净利润同比 | 333.6% | 255.7% |
| 每股收益（稀释后） | $0.97 | $0.62 |
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ALLYRAMP
| Q4 25 | $301.0M | $212.2M | ||
| Q3 25 | $308.0M | $199.8M | ||
| Q2 25 | $312.0M | $194.8M | ||
| Q1 25 | $323.0M | $188.7M | ||
| Q4 24 | $311.0M | $195.4M | ||
| Q3 24 | $319.0M | $185.5M | ||
| Q2 24 | $324.0M | $176.0M | ||
| Q1 24 | $244.0M | $171.9M |
净利润ALLYRAMP
| Q4 25 | $327.0M | $39.9M | ||
| Q3 25 | $398.0M | $27.4M | ||
| Q2 25 | $352.0M | $7.7M | ||
| Q1 25 | $-225.0M | $-6.3M | ||
| Q4 24 | $-140.0M | $11.2M | ||
| Q3 24 | $357.0M | $1.7M | ||
| Q2 24 | $294.0M | $-7.5M | ||
| Q1 24 | $157.0M | $-5.4M |
毛利率ALLYRAMP
| Q4 25 | — | 71.9% | ||
| Q3 25 | — | 70.2% | ||
| Q2 25 | — | 70.1% | ||
| Q1 25 | — | 69.3% | ||
| Q4 24 | — | 71.9% | ||
| Q3 24 | — | 72.4% | ||
| Q2 24 | — | 70.6% | ||
| Q1 24 | — | 72.2% |
营业利润率ALLYRAMP
| Q4 25 | — | 18.6% | ||
| Q3 25 | — | 10.7% | ||
| Q2 25 | — | 3.7% | ||
| Q1 25 | -87.9% | -6.1% | ||
| Q4 24 | 56.3% | 7.5% | ||
| Q3 24 | 73.0% | 4.0% | ||
| Q2 24 | 79.3% | -3.0% | ||
| Q1 24 | 70.1% | -8.3% |
净利率ALLYRAMP
| Q4 25 | 108.6% | 18.8% | ||
| Q3 25 | 129.2% | 13.7% | ||
| Q2 25 | 112.8% | 4.0% | ||
| Q1 25 | -69.7% | -3.3% | ||
| Q4 24 | -45.0% | 5.7% | ||
| Q3 24 | 111.9% | 0.9% | ||
| Q2 24 | 90.7% | -4.3% | ||
| Q1 24 | 64.3% | -3.1% |
每股收益（稀释后）ALLYRAMP
| Q4 25 | $0.97 | $0.62 | ||
| Q3 25 | $1.18 | $0.42 | ||
| Q2 25 | $1.04 | $0.12 | ||
| Q1 25 | $-0.82 | $-0.10 | ||
| Q4 24 | $-0.54 | $0.17 | ||
| Q3 24 | $1.06 | $0.03 | ||
| Q2 24 | $0.86 | $-0.11 | ||
| Q1 24 | $0.42 | $-0.09 |
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 | $403.4M |
| 总债务越低越好 | $17.1B | — |
| 股东权益账面价值 | $15.5B | $962.3M |
| 总资产 | $196.0B | $1.3B |
| 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ALLYRAMP
| Q4 25 | $10.0B | $403.4M | ||
| Q3 25 | $10.2B | $376.9M | ||
| Q2 25 | $10.6B | $371.1M | ||
| Q1 25 | $10.4B | $420.8M | ||
| Q4 24 | $10.3B | $384.3M | ||
| Q3 24 | $8.6B | $348.4M | ||
| Q2 24 | $7.4B | $342.7M | ||
| Q1 24 | $8.2B | $368.9M |
总债务ALLYRAMP
| 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ALLYRAMP
| Q4 25 | $15.5B | $962.3M | ||
| Q3 25 | $15.1B | $943.8M | ||
| Q2 25 | $14.5B | $947.8M | ||
| Q1 25 | $14.2B | $948.9M | ||
| Q4 24 | $13.9B | $957.7M | ||
| Q3 24 | $14.7B | $932.1M | ||
| Q2 24 | $13.9B | $951.9M | ||
| Q1 24 | $13.7B | $949.1M |
总资产ALLYRAMP
| Q4 25 | $196.0B | $1.3B | ||
| Q3 25 | $191.7B | $1.2B | ||
| Q2 25 | $189.5B | $1.2B | ||
| Q1 25 | $193.3B | $1.3B | ||
| Q4 24 | $191.8B | $1.3B | ||
| Q3 24 | $193.0B | $1.2B | ||
| Q2 24 | $192.5B | $1.2B | ||
| Q1 24 | $192.9B | $1.2B |
负债/权益比ALLYRAMP
| 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 | — |
| 自由现金流经营现金流 - 资本支出 | — | — |
| 自由现金流率自由现金流/营收 | — | — |
| 资本支出强度资本支出/营收 | — | 0.1% |
| 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 | — | — |
8季度趋势，按日历期对齐
经营现金流ALLYRAMP
| Q4 25 | $640.0M | — | ||
| Q3 25 | $1.2B | $57.4M | ||
| Q2 25 | $947.0M | $-15.8M | ||
| Q1 25 | $940.0M | — | ||
| Q4 24 | $620.0M | $45.1M | ||
| Q3 24 | $992.0M | $55.6M | ||
| Q2 24 | $1.6B | $-9.3M | ||
| Q1 24 | $1.3B | — |
自由现金流ALLYRAMP
| Q4 25 | — | — | ||
| Q3 25 | — | $56.8M | ||
| Q2 25 | — | $-16.2M | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $44.8M | ||
| Q3 24 | — | $55.4M | ||
| Q2 24 | — | $-9.6M | ||
| Q1 24 | — | — |
自由现金流率ALLYRAMP
| Q4 25 | — | — | ||
| Q3 25 | — | 28.4% | ||
| Q2 25 | — | -8.3% | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 22.9% | ||
| Q3 24 | — | 29.8% | ||
| Q2 24 | — | -5.4% | ||
| Q1 24 | — | — |
资本支出强度ALLYRAMP
| Q4 25 | — | 0.1% | ||
| Q3 25 | — | 0.3% | ||
| Q2 25 | — | 0.2% | ||
| Q1 25 | — | 0.2% | ||
| Q4 24 | — | 0.1% | ||
| Q3 24 | — | 0.1% | ||
| Q2 24 | — | 0.1% | ||
| Q1 24 | — | 1.0% |
现金转化率ALLYRAMP
| Q4 25 | 1.96× | — | ||
| Q3 25 | 3.02× | 2.09× | ||
| Q2 25 | 2.69× | -2.04× | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 4.02× | ||
| Q3 24 | 2.78× | 32.10× | ||
| 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% |
RAMP
暂无分部数据
