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Ally Financial Inc.（ALLY）与Regency Centers（REG）财务数据对比。点击上方公司名可切换其他公司
Regency Centers的季度营收约是Ally Financial Inc.的1.3倍（$404.2M vs $301.0M），Ally Financial Inc.净利率更高（108.6% vs 50.1%，领先58.5%），Regency Centers同比增速更快（8.5% vs -3.2%），过去两年Ally Financial Inc.的营收复合增速更高（11.1% vs 5.4%）
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。
Regency Centers是总部位于美国佛罗里达州杰克逊维尔的房地产投资信托基金，也是以超市为核心租户的大型购物中心运营商之一。截至2020年10月21日，公司共持有415处物业，总建筑面积达5600万平方英尺，知名资产包括Serramonte Center及Village District 30%的股权。
ALLY vs REG — 直观对比
营收规模更大
REG
是对方的1.3倍
$301.0M
营收增速更快
REG
高出11.7%
-3.2%
净利率更高
ALLY
高出58.5%
50.1%
两年增速更快
ALLY
近两年复合增速
5.4%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $301.0M | $404.2M |
| 净利润 | $327.0M | $202.5M |
| 毛利率 | — | — |
| 营业利润率 | — | 71.0% |
| 净利率 | 108.6% | 50.1% |
| 营收同比 | -3.2% | 8.5% |
| 净利润同比 | 333.6% | 134.1% |
| 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ALLYREG
| Q4 25 | $301.0M | $404.2M | ||
| Q3 25 | $308.0M | $387.6M | ||
| Q2 25 | $312.0M | $380.8M | ||
| Q1 25 | $323.0M | $380.9M | ||
| Q4 24 | $311.0M | $372.5M | ||
| Q3 24 | $319.0M | $360.3M | ||
| Q2 24 | $324.0M | $357.3M | ||
| Q1 24 | $244.0M | $363.9M |
净利润ALLYREG
| Q4 25 | $327.0M | $202.5M | ||
| Q3 25 | $398.0M | $109.4M | ||
| Q2 25 | $352.0M | $106.0M | ||
| Q1 25 | $-225.0M | $109.6M | ||
| Q4 24 | $-140.0M | $86.5M | ||
| Q3 24 | $357.0M | $101.5M | ||
| Q2 24 | $294.0M | $102.7M | ||
| Q1 24 | $157.0M | $109.8M |
营业利润率ALLYREG
| Q4 25 | — | 71.0% | ||
| Q3 25 | — | 72.7% | ||
| Q2 25 | — | 73.8% | ||
| Q1 25 | -87.9% | 71.8% | ||
| Q4 24 | 56.3% | 71.1% | ||
| Q3 24 | 73.0% | 72.5% | ||
| Q2 24 | 79.3% | 72.3% | ||
| Q1 24 | 70.1% | 72.3% |
净利率ALLYREG
| Q4 25 | 108.6% | 50.1% | ||
| Q3 25 | 129.2% | 28.2% | ||
| Q2 25 | 112.8% | 27.8% | ||
| Q1 25 | -69.7% | 28.8% | ||
| Q4 24 | -45.0% | 23.2% | ||
| Q3 24 | 111.9% | 28.2% | ||
| Q2 24 | 90.7% | 28.7% | ||
| Q1 24 | 64.3% | 30.2% |
每股收益（稀释后）ALLYREG
| 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 | — |
| 总债务越低越好 | $17.1B | $4.7B |
| 股东权益账面价值 | $15.5B | $6.9B |
| 总资产 | $196.0B | $13.0B |
| 负债/权益比越低杠杆越低 | 1.10× | 0.69× |
8季度趋势，按日历期对齐
现金及短期投资ALLYREG
| Q4 25 | $10.0B | — | ||
| Q3 25 | $10.2B | — | ||
| Q2 25 | $10.6B | — | ||
| Q1 25 | $10.4B | — | ||
| Q4 24 | $10.3B | — | ||
| Q3 24 | $8.6B | — | ||
| Q2 24 | $7.4B | — | ||
| Q1 24 | $8.2B | — |
总债务ALLYREG
| Q4 25 | $17.1B | $4.7B | ||
| Q3 25 | $16.7B | $4.9B | ||
| Q2 25 | $15.9B | $4.8B | ||
| Q1 25 | $16.5B | $4.6B | ||
| Q4 24 | $17.5B | $4.4B | ||
| Q3 24 | $16.8B | $4.4B | ||
| Q2 24 | $16.0B | $4.4B | ||
| Q1 24 | $17.0B | $4.4B |
股东权益ALLYREG
| Q4 25 | $15.5B | $6.9B | ||
| Q3 25 | $15.1B | $6.8B | ||
| Q2 25 | $14.5B | $6.7B | ||
| Q1 25 | $14.2B | $6.7B | ||
| Q4 24 | $13.9B | $6.7B | ||
| Q3 24 | $14.7B | $6.8B | ||
| Q2 24 | $13.9B | $6.8B | ||
| Q1 24 | $13.7B | $7.0B |
总资产ALLYREG
| Q4 25 | $196.0B | $13.0B | ||
| Q3 25 | $191.7B | $13.1B | ||
| Q2 25 | $189.5B | $12.7B | ||
| Q1 25 | $193.3B | $12.6B | ||
| Q4 24 | $191.8B | $12.4B | ||
| Q3 24 | $193.0B | $12.4B | ||
| Q2 24 | $192.5B | $12.4B | ||
| Q1 24 | $192.9B | $12.7B |
负债/权益比ALLYREG
| Q4 25 | 1.10× | 0.69× | ||
| Q3 25 | 1.11× | 0.72× | ||
| Q2 25 | 1.09× | 0.72× | ||
| Q1 25 | 1.16× | 0.69× | ||
| Q4 24 | 1.26× | 0.66× | ||
| Q3 24 | 1.14× | 0.65× | ||
| Q2 24 | 1.15× | 0.64× | ||
| Q1 24 | 1.25× | 0.63× |
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 | $203.9M |
| 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× | 1.01× |
| 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ALLYREG
| Q4 25 | $640.0M | $203.9M | ||
| Q3 25 | $1.2B | $218.7M | ||
| Q2 25 | $947.0M | $244.0M | ||
| Q1 25 | $940.0M | $161.0M | ||
| Q4 24 | $620.0M | $191.4M | ||
| Q3 24 | $992.0M | $227.6M | ||
| Q2 24 | $1.6B | $203.5M | ||
| Q1 24 | $1.3B | $167.8M |
现金转化率ALLYREG
| Q4 25 | 1.96× | 1.01× | ||
| Q3 25 | 3.02× | 2.00× | ||
| Q2 25 | 2.69× | 2.30× | ||
| Q1 25 | — | 1.47× | ||
| Q4 24 | — | 2.21× | ||
| Q3 24 | 2.78× | 2.24× | ||
| Q2 24 | 5.36× | 1.98× | ||
| Q1 24 | 8.54× | 1.53× |
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% |
REG
| Shopping Centers | $418.0M | 103% |
| Propertymanagementservices | $4.1M | 1% |
| Assetmanagementservices | $1.7M | 0% |
