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Ally Financial Inc.（ALLY）与REPLIGEN CORP（RGEN）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REPLIGEN CORP的1.5倍（$301.0M vs $197.9M），Ally Financial Inc.净利率更高（108.6% vs 6.7%，领先101.9%），REPLIGEN CORP同比增速更快（13.6% vs -3.2%），过去两年REPLIGEN CORP的营收复合增速更高（14.4% 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。
Repligen是一家全球生命科学企业，专注于创新生物工艺技术与系统的研发及商业化，助力提升生物药生产效率。公司1981年成立，总部位于美国马萨诸塞州沃尔瑟姆，于纳斯达克挂牌上市，股票代码RGEN，截至2025年全球员工超1900人，主要服务生物制药领域客户。
ALLY vs RGEN — 直观对比
营收规模更大
ALLY
是对方的1.5倍
$197.9M
营收增速更快
RGEN
高出16.9%
-3.2%
净利率更高
ALLY
高出101.9%
6.7%
两年增速更快
RGEN
近两年复合增速
11.1%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $301.0M | $197.9M |
| 净利润 | $327.0M | $13.3M |
| 毛利率 | — | 52.5% |
| 营业利润率 | — | 9.0% |
| 净利率 | 108.6% | 6.7% |
| 营收同比 | -3.2% | 13.6% |
| 净利润同比 | 333.6% | 143.9% |
| 每股收益（稀释后） | $0.97 | $0.24 |
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ALLYRGEN
| Q4 25 | $301.0M | $197.9M | ||
| Q3 25 | $308.0M | $188.8M | ||
| Q2 25 | $312.0M | $182.4M | ||
| Q1 25 | $323.0M | $169.2M | ||
| Q4 24 | $311.0M | $174.1M | ||
| Q3 24 | $319.0M | $154.9M | ||
| Q2 24 | $324.0M | $154.1M | ||
| Q1 24 | $244.0M | $151.3M |
净利润ALLYRGEN
| Q4 25 | $327.0M | $13.3M | ||
| Q3 25 | $398.0M | $14.9M | ||
| Q2 25 | $352.0M | $14.9M | ||
| Q1 25 | $-225.0M | $5.8M | ||
| Q4 24 | $-140.0M | $-30.3M | ||
| Q3 24 | $357.0M | $-654.0K | ||
| Q2 24 | $294.0M | $3.3M | ||
| Q1 24 | $157.0M | $2.1M |
毛利率ALLYRGEN
| Q4 25 | — | 52.5% | ||
| Q3 25 | — | 53.2% | ||
| Q2 25 | — | 50.0% | ||
| Q1 25 | — | 53.6% | ||
| Q4 24 | — | 26.1% | ||
| Q3 24 | — | 50.0% | ||
| Q2 24 | — | 49.8% | ||
| Q1 24 | — | 49.5% |
营业利润率ALLYRGEN
| Q4 25 | — | 9.0% | ||
| Q3 25 | — | 8.9% | ||
| Q2 25 | — | 7.6% | ||
| Q1 25 | -87.9% | 3.9% | ||
| Q4 24 | 56.3% | -17.7% | ||
| Q3 24 | 73.0% | -5.1% | ||
| Q2 24 | 79.3% | 1.0% | ||
| Q1 24 | 70.1% | 1.3% |
净利率ALLYRGEN
| Q4 25 | 108.6% | 6.7% | ||
| Q3 25 | 129.2% | 7.9% | ||
| Q2 25 | 112.8% | 8.2% | ||
| Q1 25 | -69.7% | 3.4% | ||
| Q4 24 | -45.0% | -17.4% | ||
| Q3 24 | 111.9% | -0.4% | ||
| Q2 24 | 90.7% | 2.2% | ||
| Q1 24 | 64.3% | 1.4% |
每股收益（稀释后）ALLYRGEN
| Q4 25 | $0.97 | $0.24 | ||
| Q3 25 | $1.18 | $0.26 | ||
| Q2 25 | $1.04 | $0.26 | ||
| Q1 25 | $-0.82 | $0.10 | ||
| Q4 24 | $-0.54 | $-0.55 | ||
| Q3 24 | $1.06 | $-0.01 | ||
| Q2 24 | $0.86 | $0.06 | ||
| Q1 24 | $0.42 | $0.04 |
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 | $767.6M |
| 总债务越低越好 | $17.1B | $542.2M |
| 股东权益账面价值 | $15.5B | $2.1B |
| 总资产 | $196.0B | $2.9B |
| 负债/权益比越低杠杆越低 | 1.10× | 0.26× |
8季度趋势，按日历期对齐
现金及短期投资ALLYRGEN
| Q4 25 | $10.0B | $767.6M | ||
| Q3 25 | $10.2B | $748.7M | ||
| Q2 25 | $10.6B | $708.9M | ||
| Q1 25 | $10.4B | $697.2M | ||
| Q4 24 | $10.3B | $757.4M | ||
| Q3 24 | $8.6B | $784.0M | ||
| Q2 24 | $7.4B | $809.1M | ||
| Q1 24 | $8.2B | $780.6M |
总债务ALLYRGEN
| Q4 25 | $17.1B | $542.2M | ||
| Q3 25 | $16.7B | $537.9M | ||
| Q2 25 | $15.9B | — | ||
| Q1 25 | $16.5B | — | ||
| Q4 24 | $17.5B | $525.6M | ||
| Q3 24 | $16.8B | — | ||
| Q2 24 | $16.0B | — | ||
| Q1 24 | $17.0B | — |
股东权益ALLYRGEN
| Q4 25 | $15.5B | $2.1B | ||
| Q3 25 | $15.1B | $2.1B | ||
| Q2 25 | $14.5B | $2.1B | ||
| Q1 25 | $14.2B | $2.0B | ||
| Q4 24 | $13.9B | $2.0B | ||
| Q3 24 | $14.7B | $2.0B | ||
| Q2 24 | $13.9B | $2.0B | ||
| Q1 24 | $13.7B | $2.0B |
总资产ALLYRGEN
| Q4 25 | $196.0B | $2.9B | ||
| Q3 25 | $191.7B | $2.9B | ||
| Q2 25 | $189.5B | $2.9B | ||
| Q1 25 | $193.3B | $2.9B | ||
| Q4 24 | $191.8B | $2.8B | ||
| Q3 24 | $193.0B | $2.8B | ||
| Q2 24 | $192.5B | $2.9B | ||
| Q1 24 | $192.9B | $2.8B |
负债/权益比ALLYRGEN
| Q4 25 | 1.10× | 0.26× | ||
| Q3 25 | 1.11× | 0.26× | ||
| Q2 25 | 1.09× | — | ||
| Q1 25 | 1.16× | — | ||
| Q4 24 | 1.26× | 0.27× | ||
| 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 | $25.7M |
| 自由现金流经营现金流 - 资本支出 | — | $17.6M |
| 自由现金流率自由现金流/营收 | — | 8.9% |
| 资本支出强度资本支出/营收 | — | 4.1% |
| 现金转化率经营现金流/净利润 | 1.96× | 1.93× |
| 过去12个月自由现金流最近4个季度 | — | $93.9M |
8季度趋势，按日历期对齐
经营现金流ALLYRGEN
| Q4 25 | $640.0M | $25.7M | ||
| Q3 25 | $1.2B | $48.1M | ||
| Q2 25 | $947.0M | $28.6M | ||
| Q1 25 | $940.0M | $15.0M | ||
| Q4 24 | $620.0M | $39.2M | ||
| Q3 24 | $992.0M | $49.3M | ||
| Q2 24 | $1.6B | $42.2M | ||
| Q1 24 | $1.3B | $44.7M |
自由现金流ALLYRGEN
| Q4 25 | — | $17.6M | ||
| Q3 25 | — | $43.4M | ||
| Q2 25 | — | $21.5M | ||
| Q1 25 | — | $11.4M | ||
| Q4 24 | — | $33.6M | ||
| Q3 24 | — | $42.3M | ||
| Q2 24 | — | $37.4M | ||
| Q1 24 | — | $36.4M |
自由现金流率ALLYRGEN
| Q4 25 | — | 8.9% | ||
| Q3 25 | — | 23.0% | ||
| Q2 25 | — | 11.8% | ||
| Q1 25 | — | 6.8% | ||
| Q4 24 | — | 19.3% | ||
| Q3 24 | — | 27.3% | ||
| Q2 24 | — | 24.3% | ||
| Q1 24 | — | 24.0% |
资本支出强度ALLYRGEN
| Q4 25 | — | 4.1% | ||
| Q3 25 | — | 2.5% | ||
| Q2 25 | — | 3.9% | ||
| Q1 25 | — | 2.1% | ||
| Q4 24 | — | 3.2% | ||
| Q3 24 | — | 4.5% | ||
| Q2 24 | — | 3.1% | ||
| Q1 24 | — | 5.5% |
现金转化率ALLYRGEN
| Q4 25 | 1.96× | 1.93× | ||
| Q3 25 | 3.02× | 3.23× | ||
| Q2 25 | 2.69× | 1.92× | ||
| Q1 25 | — | 2.57× | ||
| Q4 24 | — | — | ||
| Q3 24 | 2.78× | — | ||
| Q2 24 | 5.36× | 12.70× | ||
| Q1 24 | 8.54× | 21.35× |
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% |
RGEN
暂无分部数据
