vs
Ally Financial Inc.（ALLY）与Ribbon Communications Inc.（RBBN）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Ribbon Communications Inc.的1.9倍（$301.0M vs $162.6M），Ally Financial Inc.净利率更高（108.6% vs 54.8%，领先53.9%），Ally Financial Inc.同比增速更快（-3.2% vs -10.3%），过去两年Ally Financial Inc.的营收复合增速更高（11.1% vs -8.1%）
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。
睿宾通信公司（Ribbon Communications Inc.）主要为电信运营商、企业及关键基础设施领域提供软件、IP与光网络解决方案。公司于2017年由Genband与Sonus Networks合并成立，总部位于美国得克萨斯州普莱诺，是一家上市科技企业。
ALLY vs RBBN — 直观对比
营收规模更大
ALLY
是对方的1.9倍
$162.6M
营收增速更快
ALLY
高出7.1%
-10.3%
净利率更高
ALLY
高出53.9%
54.8%
两年增速更快
ALLY
近两年复合增速
-8.1%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $301.0M | $162.6M |
| 净利润 | $327.0M | $89.1M |
| 毛利率 | — | 42.9% |
| 营业利润率 | — | 37.6% |
| 净利率 | 108.6% | 54.8% |
| 营收同比 | -3.2% | -10.3% |
| 净利润同比 | 333.6% | — |
| 每股收益（稀释后） | $0.97 | $0.50 |
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ALLYRBBN
| Q1 26 | — | $162.6M | ||
| Q4 25 | $301.0M | $227.3M | ||
| Q3 25 | $308.0M | $215.4M | ||
| Q2 25 | $312.0M | $220.6M | ||
| Q1 25 | $323.0M | $181.3M | ||
| Q4 24 | $311.0M | $251.4M | ||
| Q3 24 | $319.0M | $210.2M | ||
| Q2 24 | $324.0M | $192.6M |
净利润ALLYRBBN
| Q1 26 | — | $89.1M | ||
| Q4 25 | $327.0M | — | ||
| Q3 25 | $398.0M | $-12.1M | ||
| Q2 25 | $352.0M | $-11.1M | ||
| Q1 25 | $-225.0M | $-26.2M | ||
| Q4 24 | $-140.0M | — | ||
| Q3 24 | $357.0M | $-13.4M | ||
| Q2 24 | $294.0M | $-16.8M |
毛利率ALLYRBBN
| Q1 26 | — | 42.9% | ||
| Q4 25 | — | 53.3% | ||
| Q3 25 | — | 50.1% | ||
| Q2 25 | — | 49.6% | ||
| Q1 25 | — | 45.4% | ||
| Q4 24 | — | 55.7% | ||
| Q3 24 | — | 52.1% | ||
| Q2 24 | — | 50.8% |
营业利润率ALLYRBBN
| Q1 26 | — | 37.6% | ||
| Q4 25 | — | 4.1% | ||
| Q3 25 | — | 1.3% | ||
| Q2 25 | — | 1.9% | ||
| Q1 25 | -87.9% | -10.8% | ||
| Q4 24 | 56.3% | 13.2% | ||
| Q3 24 | 73.0% | -0.4% | ||
| Q2 24 | 79.3% | -1.0% |
净利率ALLYRBBN
| Q1 26 | — | 54.8% | ||
| Q4 25 | 108.6% | — | ||
| Q3 25 | 129.2% | -5.6% | ||
| Q2 25 | 112.8% | -5.0% | ||
| Q1 25 | -69.7% | -14.5% | ||
| Q4 24 | -45.0% | — | ||
| Q3 24 | 111.9% | -6.4% | ||
| Q2 24 | 90.7% | -8.7% |
每股收益（稀释后）ALLYRBBN
| Q1 26 | — | $0.50 | ||
| Q4 25 | $0.97 | $0.50 | ||
| Q3 25 | $1.18 | $-0.07 | ||
| Q2 25 | $1.04 | $-0.06 | ||
| Q1 25 | $-0.82 | $-0.15 | ||
| Q4 24 | $-0.54 | $0.05 | ||
| Q3 24 | $1.06 | $-0.08 | ||
| Q2 24 | $0.86 | $-0.10 |
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 | $67.6M |
| 总债务越低越好 | $17.1B | — |
| 股东权益账面价值 | $15.5B | $419.1M |
| 总资产 | $196.0B | — |
| 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ALLYRBBN
| Q1 26 | — | $67.6M | ||
| Q4 25 | $10.0B | $96.4M | ||
| Q3 25 | $10.2B | $74.8M | ||
| Q2 25 | $10.6B | $60.5M | ||
| Q1 25 | $10.4B | $71.2M | ||
| Q4 24 | $10.3B | $87.8M | ||
| Q3 24 | $8.6B | $37.2M | ||
| Q2 24 | $7.4B | $64.6M |
总债务ALLYRBBN
| Q1 26 | — | — | ||
| Q4 25 | $17.1B | $342.1M | ||
| Q3 25 | $16.7B | $344.3M | ||
| Q2 25 | $15.9B | $346.5M | ||
| Q1 25 | $16.5B | $347.4M | ||
| Q4 24 | $17.5B | $348.3M | ||
| Q3 24 | $16.8B | $349.1M | ||
| Q2 24 | $16.0B | $350.0M |
股东权益ALLYRBBN
| Q1 26 | — | $419.1M | ||
| Q4 25 | $15.5B | $449.0M | ||
| Q3 25 | $15.1B | $360.1M | ||
| Q2 25 | $14.5B | $370.4M | ||
| Q1 25 | $14.2B | $381.8M | ||
| Q4 24 | $13.9B | $404.6M | ||
| Q3 24 | $14.7B | $395.5M | ||
| Q2 24 | $13.9B | $405.0M |
总资产ALLYRBBN
| Q1 26 | — | — | ||
| Q4 25 | $196.0B | $1.2B | ||
| Q3 25 | $191.7B | $1.1B | ||
| Q2 25 | $189.5B | $1.1B | ||
| Q1 25 | $193.3B | $1.1B | ||
| Q4 24 | $191.8B | $1.2B | ||
| Q3 24 | $193.0B | $1.1B | ||
| Q2 24 | $192.5B | $1.1B |
负债/权益比ALLYRBBN
| Q1 26 | — | — | ||
| Q4 25 | 1.10× | 0.76× | ||
| Q3 25 | 1.11× | 0.96× | ||
| Q2 25 | 1.09× | 0.94× | ||
| Q1 25 | 1.16× | 0.91× | ||
| Q4 24 | 1.26× | 0.86× | ||
| Q3 24 | 1.14× | 0.88× | ||
| Q2 24 | 1.15× | 0.86× |
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 | — | — |
| 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ALLYRBBN
| Q1 26 | — | — | ||
| Q4 25 | $640.0M | $29.2M | ||
| Q3 25 | $1.2B | $26.5M | ||
| Q2 25 | $947.0M | $-795.0K | ||
| Q1 25 | $940.0M | $-3.5M | ||
| Q4 24 | $620.0M | $61.8M | ||
| Q3 24 | $992.0M | $-14.8M | ||
| Q2 24 | $1.6B | $-9.8M |
自由现金流ALLYRBBN
| Q1 26 | — | — | ||
| Q4 25 | — | $27.3M | ||
| Q3 25 | — | $21.0M | ||
| Q2 25 | — | $-6.5M | ||
| Q1 25 | — | $-15.7M | ||
| Q4 24 | — | $53.8M | ||
| Q3 24 | — | $-23.7M | ||
| Q2 24 | — | $-12.9M |
自由现金流率ALLYRBBN
| Q1 26 | — | — | ||
| Q4 25 | — | 12.0% | ||
| Q3 25 | — | 9.7% | ||
| Q2 25 | — | -2.9% | ||
| Q1 25 | — | -8.7% | ||
| Q4 24 | — | 21.4% | ||
| Q3 24 | — | -11.3% | ||
| Q2 24 | — | -6.7% |
资本支出强度ALLYRBBN
| Q1 26 | — | — | ||
| Q4 25 | — | 0.9% | ||
| Q3 25 | — | 2.6% | ||
| Q2 25 | — | 2.6% | ||
| Q1 25 | — | 6.7% | ||
| Q4 24 | — | 3.2% | ||
| Q3 24 | — | 4.2% | ||
| Q2 24 | — | 1.6% |
现金转化率ALLYRBBN
| Q1 26 | — | — | ||
| Q4 25 | 1.96× | — | ||
| Q3 25 | 3.02× | — | ||
| Q2 25 | 2.69× | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 2.78× | — | ||
| Q2 24 | 5.36× | — |
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% |
RBBN
| Service | $94.5M | 58% |
| Product | $68.1M | 42% |
