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Ally Financial Inc.（ALLY）与REPUBLIC BANCORP INC（RBCAA）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REPUBLIC BANCORP INC的3.2倍（$301.0M vs $94.3M），Ally Financial Inc.净利率更高（108.6% vs 24.2%，领先84.4%），REPUBLIC BANCORP INC同比增速更快（5.3% vs -3.2%），过去两年Ally Financial Inc.的营收复合增速更高（11.1% vs -11.5%）
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。
肯塔基州共和银行是美国的一家区域性银行控股企业，提供零售及商业银行全品类服务，涵盖个人存贷款、企业融资、按揭产品及财富管理解决方案，主要服务肯塔基州及周边州的个人消费者和中小企业客户。
ALLY vs RBCAA — 直观对比
营收规模更大
ALLY
是对方的3.2倍
$94.3M
营收增速更快
RBCAA
高出8.5%
-3.2%
净利率更高
ALLY
高出84.4%
24.2%
两年增速更快
ALLY
近两年复合增速
-11.5%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $301.0M | $94.3M |
| 净利润 | $327.0M | $22.8M |
| 毛利率 | — | — |
| 营业利润率 | — | 29.3% |
| 净利率 | 108.6% | 24.2% |
| 营收同比 | -3.2% | 5.3% |
| 净利润同比 | 333.6% | 20.0% |
| 每股收益（稀释后） | $0.97 | — |
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ALLYRBCAA
| Q4 25 | $301.0M | $94.3M | ||
| Q3 25 | $308.0M | $93.5M | ||
| Q2 25 | $312.0M | $93.8M | ||
| Q1 25 | $323.0M | $135.8M | ||
| Q4 24 | $311.0M | $89.5M | ||
| Q3 24 | $319.0M | $88.1M | ||
| Q2 24 | $324.0M | $86.9M | ||
| Q1 24 | $244.0M | $120.3M |
净利润ALLYRBCAA
| Q4 25 | $327.0M | $22.8M | ||
| Q3 25 | $398.0M | $29.7M | ||
| Q2 25 | $352.0M | $31.5M | ||
| Q1 25 | $-225.0M | $47.3M | ||
| Q4 24 | $-140.0M | $19.0M | ||
| Q3 24 | $357.0M | $26.5M | ||
| Q2 24 | $294.0M | $25.2M | ||
| Q1 24 | $157.0M | $30.6M |
营业利润率ALLYRBCAA
| Q4 25 | — | 29.3% | ||
| Q3 25 | — | 40.4% | ||
| Q2 25 | — | 43.0% | ||
| Q1 25 | -87.9% | 44.1% | ||
| Q4 24 | 56.3% | 25.8% | ||
| Q3 24 | 73.0% | 38.4% | ||
| Q2 24 | 79.3% | 37.0% | ||
| Q1 24 | 70.1% | 32.2% |
净利率ALLYRBCAA
| Q4 25 | 108.6% | 24.2% | ||
| Q3 25 | 129.2% | 31.8% | ||
| Q2 25 | 112.8% | 33.5% | ||
| Q1 25 | -69.7% | 34.8% | ||
| Q4 24 | -45.0% | 21.2% | ||
| Q3 24 | 111.9% | 30.1% | ||
| Q2 24 | 90.7% | 29.0% | ||
| Q1 24 | 64.3% | 25.4% |
每股收益（稀释后）ALLYRBCAA
| Q4 25 | $0.97 | — | ||
| Q3 25 | $1.18 | — | ||
| Q2 25 | $1.04 | — | ||
| Q1 25 | $-0.82 | — | ||
| Q4 24 | $-0.54 | — | ||
| Q3 24 | $1.06 | — | ||
| Q2 24 | $0.86 | — | ||
| Q1 24 | $0.42 | — |
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 | $220.0M |
| 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 | $7.0B |
| 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ALLYRBCAA
| Q4 25 | $10.0B | $220.0M | ||
| Q3 25 | $10.2B | $484.2M | ||
| Q2 25 | $10.6B | $484.8M | ||
| Q1 25 | $10.4B | $793.0M | ||
| Q4 24 | $10.3B | $432.2M | ||
| Q3 24 | $8.6B | $530.9M | ||
| Q2 24 | $7.4B | $400.1M | ||
| Q1 24 | $8.2B | $546.4M |
总债务ALLYRBCAA
| 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ALLYRBCAA
| 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 | $992.0M | ||
| Q3 24 | $14.7B | $979.7M | ||
| Q2 24 | $13.9B | $955.4M | ||
| Q1 24 | $13.7B | $935.6M |
总资产ALLYRBCAA
| Q4 25 | $196.0B | $7.0B | ||
| Q3 25 | $191.7B | $7.0B | ||
| Q2 25 | $189.5B | $7.0B | ||
| Q1 25 | $193.3B | $7.1B | ||
| Q4 24 | $191.8B | $6.8B | ||
| Q3 24 | $193.0B | $6.7B | ||
| Q2 24 | $192.5B | $6.6B | ||
| Q1 24 | $192.9B | $6.9B |
负债/权益比ALLYRBCAA
| 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 | $168.2M |
| 自由现金流经营现金流 - 资本支出 | — | $161.1M |
| 自由现金流率自由现金流/营收 | — | 170.9% |
| 资本支出强度资本支出/营收 | — | 7.5% |
| 现金转化率经营现金流/净利润 | 1.96× | 7.37× |
| 过去12个月自由现金流最近4个季度 | — | $288.6M |
8季度趋势，按日历期对齐
经营现金流ALLYRBCAA
| Q4 25 | $640.0M | $168.2M | ||
| Q3 25 | $1.2B | $33.3M | ||
| Q2 25 | $947.0M | $8.4M | ||
| Q1 25 | $940.0M | $93.2M | ||
| Q4 24 | $620.0M | $149.0M | ||
| Q3 24 | $992.0M | $51.3M | ||
| Q2 24 | $1.6B | $4.0M | ||
| Q1 24 | $1.3B | $71.2M |
自由现金流ALLYRBCAA
| Q4 25 | — | $161.1M | ||
| Q3 25 | — | $30.8M | ||
| Q2 25 | — | $5.2M | ||
| Q1 25 | — | $91.6M | ||
| Q4 24 | — | $143.2M | ||
| Q3 24 | — | $49.8M | ||
| Q2 24 | — | $2.7M | ||
| Q1 24 | — | $69.1M |
自由现金流率ALLYRBCAA
| Q4 25 | — | 170.9% | ||
| Q3 25 | — | 32.9% | ||
| Q2 25 | — | 5.5% | ||
| Q1 25 | — | 67.4% | ||
| Q4 24 | — | 160.0% | ||
| Q3 24 | — | 56.5% | ||
| Q2 24 | — | 3.1% | ||
| Q1 24 | — | 57.5% |
资本支出强度ALLYRBCAA
| Q4 25 | — | 7.5% | ||
| Q3 25 | — | 2.6% | ||
| Q2 25 | — | 3.5% | ||
| Q1 25 | — | 1.2% | ||
| Q4 24 | — | 6.5% | ||
| Q3 24 | — | 1.7% | ||
| Q2 24 | — | 1.5% | ||
| Q1 24 | — | 1.7% |
现金转化率ALLYRBCAA
| Q4 25 | 1.96× | 7.37× | ||
| Q3 25 | 3.02× | 1.12× | ||
| Q2 25 | 2.69× | 0.27× | ||
| Q1 25 | — | 1.97× | ||
| Q4 24 | — | 7.84× | ||
| Q3 24 | 2.78× | 1.93× | ||
| Q2 24 | 5.36× | 0.16× | ||
| Q1 24 | 8.54× | 2.33× |
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% |
RBCAA
暂无分部数据
