vs
Ally Financial Inc.（ALLY）与RBC Bearings INC（RBC）财务数据对比。点击上方公司名可切换其他公司
RBC Bearings INC的季度营收约是Ally Financial Inc.的1.5倍（$461.6M vs $301.0M），Ally Financial Inc.净利率更高（108.6% vs 14.6%，领先94.0%），RBC Bearings INC同比增速更快（17.0% vs -3.2%），过去两年Ally Financial Inc.的营收复合增速更高（11.1% vs 5.6%）
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。
该文本实际介绍的并非RBC Bearings，而是美国多佛公司。多佛是一家工业产品综合制造商，1955年成立，总部位于伊利诺伊州当纳斯格罗夫。2021年其业务分为五大板块：工程产品、清洁能源与加注、成像与识别、泵与工艺解决方案、气候与可持续技术，是标普500成分股，在纽约证券交易所上市。
ALLY vs RBC — 直观对比
营收规模更大
RBC
是对方的1.5倍
$301.0M
营收增速更快
RBC
高出20.3%
-3.2%
净利率更高
ALLY
高出94.0%
14.6%
两年增速更快
ALLY
近两年复合增速
5.6%
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $301.0M | $461.6M |
| 净利润 | $327.0M | $67.4M |
| 毛利率 | — | 44.3% |
| 营业利润率 | — | 22.3% |
| 净利率 | 108.6% | 14.6% |
| 营收同比 | -3.2% | 17.0% |
| 净利润同比 | 333.6% | 16.4% |
| 每股收益（稀释后） | $0.97 | $2.13 |
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ALLYRBC
| Q4 25 | $301.0M | $461.6M | ||
| Q3 25 | $308.0M | $455.3M | ||
| Q2 25 | $312.0M | $436.0M | ||
| Q1 25 | $323.0M | $437.7M | ||
| Q4 24 | $311.0M | $394.4M | ||
| Q3 24 | $319.0M | $397.9M | ||
| Q2 24 | $324.0M | $406.3M | ||
| Q1 24 | $244.0M | $413.7M |
净利润ALLYRBC
| Q4 25 | $327.0M | $67.4M | ||
| Q3 25 | $398.0M | $60.0M | ||
| Q2 25 | $352.0M | $68.5M | ||
| Q1 25 | $-225.0M | $72.7M | ||
| Q4 24 | $-140.0M | $57.9M | ||
| Q3 24 | $357.0M | $54.2M | ||
| Q2 24 | $294.0M | $61.4M | ||
| Q1 24 | $157.0M | — |
毛利率ALLYRBC
| Q4 25 | — | 44.3% | ||
| Q3 25 | — | 44.1% | ||
| Q2 25 | — | 44.8% | ||
| Q1 25 | — | 44.2% | ||
| Q4 24 | — | 44.3% | ||
| Q3 24 | — | 43.7% | ||
| Q2 24 | — | 45.3% | ||
| Q1 24 | — | 43.1% |
营业利润率ALLYRBC
| Q4 25 | — | 22.3% | ||
| Q3 25 | — | 21.5% | ||
| Q2 25 | — | 23.2% | ||
| Q1 25 | -87.9% | 23.0% | ||
| Q4 24 | 56.3% | 21.7% | ||
| Q3 24 | 73.0% | 21.6% | ||
| Q2 24 | 79.3% | 24.0% | ||
| Q1 24 | 70.1% | 22.8% |
净利率ALLYRBC
| Q4 25 | 108.6% | 14.6% | ||
| Q3 25 | 129.2% | 13.2% | ||
| Q2 25 | 112.8% | 15.7% | ||
| Q1 25 | -69.7% | 16.6% | ||
| Q4 24 | -45.0% | 14.7% | ||
| Q3 24 | 111.9% | 13.6% | ||
| Q2 24 | 90.7% | 15.1% | ||
| Q1 24 | 64.3% | — |
每股收益（稀释后）ALLYRBC
| Q4 25 | $0.97 | $2.13 | ||
| Q3 25 | $1.18 | $1.90 | ||
| Q2 25 | $1.04 | $2.17 | ||
| Q1 25 | $-0.82 | $2.33 | ||
| Q4 24 | $-0.54 | $1.82 | ||
| Q3 24 | $1.06 | $1.65 | ||
| Q2 24 | $0.86 | $1.90 | ||
| Q1 24 | $0.42 | $1.92 |
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 | $107.6M |
| 总债务越低越好 | $17.1B | $990.2M |
| 股东权益账面价值 | $15.5B | $3.3B |
| 总资产 | $196.0B | $5.1B |
| 负债/权益比越低杠杆越低 | 1.10× | 0.30× |
8季度趋势，按日历期对齐
现金及短期投资ALLYRBC
| Q4 25 | $10.0B | $107.6M | ||
| Q3 25 | $10.2B | $91.2M | ||
| Q2 25 | $10.6B | $132.9M | ||
| Q1 25 | $10.4B | $36.8M | ||
| Q4 24 | $10.3B | — | ||
| Q3 24 | $8.6B | — | ||
| Q2 24 | $7.4B | $76.8M | ||
| Q1 24 | $8.2B | $63.5M |
总债务ALLYRBC
| Q4 25 | $17.1B | $990.2M | ||
| Q3 25 | $16.7B | $1.1B | ||
| Q2 25 | $15.9B | $915.6M | ||
| Q1 25 | $16.5B | $920.1M | ||
| Q4 24 | $17.5B | — | ||
| Q3 24 | $16.8B | — | ||
| Q2 24 | $16.0B | — | ||
| Q1 24 | $17.0B | $1.2B |
股东权益ALLYRBC
| Q4 25 | $15.5B | $3.3B | ||
| Q3 25 | $15.1B | $3.2B | ||
| Q2 25 | $14.5B | $3.1B | ||
| Q1 25 | $14.2B | $3.0B | ||
| Q4 24 | $13.9B | $2.9B | ||
| Q3 24 | $14.7B | $2.9B | ||
| Q2 24 | $13.9B | $2.8B | ||
| Q1 24 | $13.7B | $2.8B |
总资产ALLYRBC
| Q4 25 | $196.0B | $5.1B | ||
| Q3 25 | $191.7B | $5.1B | ||
| Q2 25 | $189.5B | $4.8B | ||
| Q1 25 | $193.3B | $4.7B | ||
| Q4 24 | $191.8B | $4.7B | ||
| Q3 24 | $193.0B | $4.7B | ||
| Q2 24 | $192.5B | $4.7B | ||
| Q1 24 | $192.9B | $4.7B |
负债/权益比ALLYRBC
| Q4 25 | 1.10× | 0.30× | ||
| Q3 25 | 1.11× | 0.34× | ||
| Q2 25 | 1.09× | 0.29× | ||
| Q1 25 | 1.16× | 0.30× | ||
| Q4 24 | 1.26× | — | ||
| Q3 24 | 1.14× | — | ||
| Q2 24 | 1.15× | — | ||
| Q1 24 | 1.25× | 0.43× |
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 | $122.1M |
| 自由现金流经营现金流 - 资本支出 | — | $99.1M |
| 自由现金流率自由现金流/营收 | — | 21.5% |
| 资本支出强度资本支出/营收 | — | 5.0% |
| 现金转化率经营现金流/净利润 | 1.96× | 1.81× |
| 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ALLYRBC
| Q4 25 | $640.0M | $122.1M | ||
| Q3 25 | $1.2B | $88.4M | ||
| Q2 25 | $947.0M | $120.0M | ||
| Q1 25 | $940.0M | — | ||
| Q4 24 | $620.0M | $84.0M | ||
| Q3 24 | $992.0M | — | ||
| Q2 24 | $1.6B | $97.4M | ||
| Q1 24 | $1.3B | — |
自由现金流ALLYRBC
| Q4 25 | — | $99.1M | ||
| Q3 25 | — | $71.7M | ||
| Q2 25 | — | $104.3M | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $73.6M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | $88.4M | ||
| Q1 24 | — | — |
自由现金流率ALLYRBC
| Q4 25 | — | 21.5% | ||
| Q3 25 | — | 15.7% | ||
| Q2 25 | — | 23.9% | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 18.7% | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 21.8% | ||
| Q1 24 | — | — |
资本支出强度ALLYRBC
| Q4 25 | — | 5.0% | ||
| Q3 25 | — | 3.7% | ||
| Q2 25 | — | 3.6% | ||
| Q1 25 | — | 3.2% | ||
| Q4 24 | — | 2.6% | ||
| Q3 24 | — | 4.1% | ||
| Q2 24 | — | 2.2% | ||
| Q1 24 | — | — |
现金转化率ALLYRBC
| Q4 25 | 1.96× | 1.81× | ||
| Q3 25 | 3.02× | 1.47× | ||
| Q2 25 | 2.69× | 1.75× | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 1.45× | ||
| Q3 24 | 2.78× | — | ||
| Q2 24 | 5.36× | 1.59× | ||
| 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% |
RBC
| Domestic | $413.3M | 90% |
| Foreign | $48.3M | 10% |
