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Ally Financial Inc.（ALLY）与Ultragenyx Pharmaceutical Inc.（RARE）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Ultragenyx Pharmaceutical Inc.的1.5倍（$301.0M vs $207.3M），Ally Financial Inc.净利率更高（108.6% vs -62.0%，领先170.7%），Ultragenyx Pharmaceutical Inc.同比增速更快（25.9% vs -3.2%），过去两年Ultragenyx Pharmaceutical Inc.的营收复合增速更高（38.0% 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。
Ultragenyx Pharmaceutical Inc.是一家总部位于美国的生物制药企业，专注于研发罕见病和超罕见遗传病的创新治疗方案，这类疾病目前大多无获批疗法，存在大量未被满足的临床需求。公司覆盖生物制剂、小分子药物、基因疗法、反义寡核苷酸及mRNA等多种药物技术平台，研发管线涵盖骨骼、内分泌、代谢、肌肉及中枢神经系统疾病领域。
ALLY vs RARE — 直观对比
营收规模更大
ALLY
是对方的1.5倍
$207.3M
营收增速更快
RARE
高出29.1%
-3.2%
净利率更高
ALLY
高出170.7%
-62.0%
两年增速更快
RARE
近两年复合增速
11.1%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $301.0M | $207.3M |
| 净利润 | $327.0M | $-128.6M |
| 毛利率 | — | — |
| 营业利润率 | — | -54.7% |
| 净利率 | 108.6% | -62.0% |
| 营收同比 | -3.2% | 25.9% |
| 净利润同比 | 333.6% | 3.5% |
| 每股收益（稀释后） | $0.97 | $-1.28 |
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ALLYRARE
| Q4 25 | $301.0M | $207.3M | ||
| Q3 25 | $308.0M | $159.9M | ||
| Q2 25 | $312.0M | $166.5M | ||
| Q1 25 | $323.0M | $139.3M | ||
| Q4 24 | $311.0M | $164.6M | ||
| Q3 24 | $319.0M | $139.5M | ||
| Q2 24 | $324.0M | $147.0M | ||
| Q1 24 | $244.0M | $108.8M |
净利润ALLYRARE
| Q4 25 | $327.0M | $-128.6M | ||
| Q3 25 | $398.0M | $-180.4M | ||
| Q2 25 | $352.0M | $-115.0M | ||
| Q1 25 | $-225.0M | $-151.1M | ||
| Q4 24 | $-140.0M | $-133.2M | ||
| Q3 24 | $357.0M | $-133.5M | ||
| Q2 24 | $294.0M | $-131.6M | ||
| Q1 24 | $157.0M | $-170.7M |
营业利润率ALLYRARE
| Q4 25 | — | -54.7% | ||
| Q3 25 | — | -106.9% | ||
| Q2 25 | — | -64.8% | ||
| Q1 25 | -87.9% | -102.6% | ||
| Q4 24 | 56.3% | -74.3% | ||
| Q3 24 | 73.0% | -94.6% | ||
| Q2 24 | 79.3% | -79.1% | ||
| Q1 24 | 70.1% | -151.9% |
净利率ALLYRARE
| Q4 25 | 108.6% | -62.0% | ||
| Q3 25 | 129.2% | -112.8% | ||
| Q2 25 | 112.8% | -69.0% | ||
| Q1 25 | -69.7% | -108.5% | ||
| Q4 24 | -45.0% | -80.9% | ||
| Q3 24 | 111.9% | -95.7% | ||
| Q2 24 | 90.7% | -89.5% | ||
| Q1 24 | 64.3% | -156.8% |
每股收益（稀释后）ALLYRARE
| Q4 25 | $0.97 | $-1.28 | ||
| Q3 25 | $1.18 | $-1.81 | ||
| Q2 25 | $1.04 | $-1.17 | ||
| Q1 25 | $-0.82 | $-1.57 | ||
| Q4 24 | $-0.54 | $-1.34 | ||
| Q3 24 | $1.06 | $-1.40 | ||
| Q2 24 | $0.86 | $-1.52 | ||
| Q1 24 | $0.42 | $-2.03 |
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 | $421.0M |
| 总债务越低越好 | $17.1B | — |
| 股东权益账面价值 | $15.5B | $-80.0M |
| 总资产 | $196.0B | $1.5B |
| 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ALLYRARE
| Q4 25 | $10.0B | $421.0M | ||
| Q3 25 | $10.2B | $202.5M | ||
| Q2 25 | $10.6B | $176.3M | ||
| Q1 25 | $10.4B | $127.1M | ||
| Q4 24 | $10.3B | $174.0M | ||
| Q3 24 | $8.6B | $150.6M | ||
| Q2 24 | $7.4B | $480.7M | ||
| Q1 24 | $8.2B | $112.3M |
总债务ALLYRARE
| 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ALLYRARE
| Q4 25 | $15.5B | $-80.0M | ||
| Q3 25 | $15.1B | $9.2M | ||
| Q2 25 | $14.5B | $151.3M | ||
| Q1 25 | $14.2B | $144.2M | ||
| Q4 24 | $13.9B | $255.0M | ||
| Q3 24 | $14.7B | $346.8M | ||
| Q2 24 | $13.9B | $432.4M | ||
| Q1 24 | $13.7B | $140.3M |
总资产ALLYRARE
| Q4 25 | $196.0B | $1.5B | ||
| Q3 25 | $191.7B | $1.2B | ||
| Q2 25 | $189.5B | $1.3B | ||
| Q1 25 | $193.3B | $1.3B | ||
| Q4 24 | $191.8B | $1.5B | ||
| Q3 24 | $193.0B | $1.5B | ||
| Q2 24 | $192.5B | $1.6B | ||
| Q1 24 | $192.9B | $1.3B |
负债/权益比ALLYRARE
| 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 | $-99.8M |
| 自由现金流经营现金流 - 资本支出 | — | $-100.8M |
| 自由现金流率自由现金流/营收 | — | -48.6% |
| 资本支出强度资本支出/营收 | — | 0.5% |
| 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 | — | $-472.0M |
8季度趋势，按日历期对齐
经营现金流ALLYRARE
| Q4 25 | $640.0M | $-99.8M | ||
| Q3 25 | $1.2B | $-91.4M | ||
| Q2 25 | $947.0M | $-108.3M | ||
| Q1 25 | $940.0M | $-166.5M | ||
| Q4 24 | $620.0M | $-79.3M | ||
| Q3 24 | $992.0M | $-67.0M | ||
| Q2 24 | $1.6B | $-77.0M | ||
| Q1 24 | $1.3B | $-190.7M |
自由现金流ALLYRARE
| Q4 25 | — | $-100.8M | ||
| Q3 25 | — | $-92.7M | ||
| Q2 25 | — | $-110.7M | ||
| Q1 25 | — | $-167.8M | ||
| Q4 24 | — | $-79.5M | ||
| Q3 24 | — | $-68.6M | ||
| Q2 24 | — | $-79.0M | ||
| Q1 24 | — | $-193.9M |
自由现金流率ALLYRARE
| Q4 25 | — | -48.6% | ||
| Q3 25 | — | -58.0% | ||
| Q2 25 | — | -66.5% | ||
| Q1 25 | — | -120.5% | ||
| Q4 24 | — | -48.3% | ||
| Q3 24 | — | -49.2% | ||
| Q2 24 | — | -53.7% | ||
| Q1 24 | — | -178.2% |
资本支出强度ALLYRARE
| Q4 25 | — | 0.5% | ||
| Q3 25 | — | 0.8% | ||
| Q2 25 | — | 1.5% | ||
| Q1 25 | — | 1.0% | ||
| Q4 24 | — | 0.1% | ||
| Q3 24 | — | 1.2% | ||
| Q2 24 | — | 1.4% | ||
| Q1 24 | — | 3.0% |
现金转化率ALLYRARE
| Q4 25 | 1.96× | — | ||
| Q3 25 | 3.02× | — | ||
| Q2 25 | 2.69× | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 2.78× | — | ||
| 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% |
RARE
| Royalty | $105.6M | 51% |
| Products | $101.7M | 49% |
