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Ally Financial Inc.（ALLY）与STURM RUGER & CO INC（RGR）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STURM RUGER & CO INC的2.0倍（$301.0M vs $151.1M），STURM RUGER & CO INC同比增速更快（3.6% vs -3.2%），过去两年Ally Financial Inc.的营收复合增速更高（11.1% vs 5.1%）
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。
鲁格公司（Ruger）是总部位于美国康涅狄格州绍斯波特的枪械制造企业，除总部外，还在新罕布什尔州纽波特、北卡罗来纳州梅约丹以及亚利桑那州普雷斯科特设有生产工厂。公司由亚历山大·麦考密克·斯特姆与威廉·B·鲁格于1949年共同创立，自1969年起公开上市交易。
ALLY vs RGR — 直观对比
营收规模更大
ALLY
是对方的2.0倍
$151.1M
营收增速更快
RGR
高出6.8%
-3.2%
两年增速更快
ALLY
近两年复合增速
5.1%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $301.0M | $151.1M |
| 净利润 | $327.0M | — |
| 毛利率 | — | 17.8% |
| 营业利润率 | — | 2.3% |
| 净利率 | 108.6% | — |
| 营收同比 | -3.2% | 3.6% |
| 净利润同比 | 333.6% | — |
| 每股收益（稀释后） | $0.97 | $0.22 |
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ALLYRGR
| Q4 25 | $301.0M | $151.1M | ||
| Q3 25 | $308.0M | $126.8M | ||
| Q2 25 | $312.0M | $132.5M | ||
| Q1 25 | $323.0M | $135.7M | ||
| Q4 24 | $311.0M | $145.8M | ||
| Q3 24 | $319.0M | $122.3M | ||
| Q2 24 | $324.0M | $130.8M | ||
| Q1 24 | $244.0M | $136.8M |
净利润ALLYRGR
| Q4 25 | $327.0M | — | ||
| Q3 25 | $398.0M | $1.6M | ||
| Q2 25 | $352.0M | $-17.2M | ||
| Q1 25 | $-225.0M | $7.8M | ||
| Q4 24 | $-140.0M | — | ||
| Q3 24 | $357.0M | $4.7M | ||
| Q2 24 | $294.0M | $8.3M | ||
| Q1 24 | $157.0M | $7.1M |
毛利率ALLYRGR
| Q4 25 | — | 17.8% | ||
| Q3 25 | — | 15.1% | ||
| Q2 25 | — | 3.9% | ||
| Q1 25 | — | 22.0% | ||
| Q4 24 | — | 22.8% | ||
| Q3 24 | — | 18.5% | ||
| Q2 24 | — | 22.3% | ||
| Q1 24 | — | 21.5% |
营业利润率ALLYRGR
| Q4 25 | — | 2.3% | ||
| Q3 25 | — | -2.7% | ||
| Q2 25 | — | -15.6% | ||
| Q1 25 | -87.9% | 6.2% | ||
| Q4 24 | 56.3% | 7.8% | ||
| Q3 24 | 73.0% | 3.1% | ||
| Q2 24 | 79.3% | 6.9% | ||
| Q1 24 | 70.1% | 5.5% |
净利率ALLYRGR
| Q4 25 | 108.6% | — | ||
| Q3 25 | 129.2% | 1.2% | ||
| Q2 25 | 112.8% | -13.0% | ||
| Q1 25 | -69.7% | 5.7% | ||
| Q4 24 | -45.0% | — | ||
| Q3 24 | 111.9% | 3.9% | ||
| Q2 24 | 90.7% | 6.3% | ||
| Q1 24 | 64.3% | 5.2% |
每股收益（稀释后）ALLYRGR
| Q4 25 | $0.97 | $0.22 | ||
| Q3 25 | $1.18 | $0.10 | ||
| Q2 25 | $1.04 | $-1.05 | ||
| Q1 25 | $-0.82 | $0.46 | ||
| Q4 24 | $-0.54 | $0.62 | ||
| Q3 24 | $1.06 | $0.28 | ||
| Q2 24 | $0.86 | $0.47 | ||
| Q1 24 | $0.42 | $0.40 |
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 | $92.5M |
| 总债务越低越好 | $17.1B | — |
| 股东权益账面价值 | $15.5B | $283.8M |
| 总资产 | $196.0B | $342.0M |
| 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ALLYRGR
| Q4 25 | $10.0B | $92.5M | ||
| Q3 25 | $10.2B | $80.8M | ||
| Q2 25 | $10.6B | $101.4M | ||
| Q1 25 | $10.4B | $108.3M | ||
| Q4 24 | $10.3B | $105.5M | ||
| Q3 24 | $8.6B | $96.0M | ||
| Q2 24 | $7.4B | $105.6M | ||
| Q1 24 | $8.2B | $115.3M |
总债务ALLYRGR
| 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ALLYRGR
| Q4 25 | $15.5B | $283.8M | ||
| Q3 25 | $15.1B | $279.6M | ||
| Q2 25 | $14.5B | $289.3M | ||
| Q1 25 | $14.2B | $321.5M | ||
| Q4 24 | $13.9B | $319.6M | ||
| Q3 24 | $14.7B | $314.9M | ||
| Q2 24 | $13.9B | $321.5M | ||
| Q1 24 | $13.7B | $332.0M |
总资产ALLYRGR
| Q4 25 | $196.0B | $342.0M | ||
| Q3 25 | $191.7B | $342.3M | ||
| Q2 25 | $189.5B | $349.5M | ||
| Q1 25 | $193.3B | $379.0M | ||
| Q4 24 | $191.8B | $384.0M | ||
| Q3 24 | $193.0B | $373.5M | ||
| Q2 24 | $192.5B | $376.7M | ||
| Q1 24 | $192.9B | $385.0M |
负债/权益比ALLYRGR
| 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 | $15.5M |
| 自由现金流经营现金流 - 资本支出 | — | $12.3M |
| 自由现金流率自由现金流/营收 | — | 8.2% |
| 资本支出强度资本支出/营收 | — | 2.1% |
| 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 | — | $38.5M |
8季度趋势，按日历期对齐
经营现金流ALLYRGR
| Q4 25 | $640.0M | $15.5M | ||
| Q3 25 | $1.2B | $12.9M | ||
| Q2 25 | $947.0M | $14.7M | ||
| Q1 25 | $940.0M | $11.1M | ||
| Q4 24 | $620.0M | $20.0M | ||
| Q3 24 | $992.0M | $9.4M | ||
| Q2 24 | $1.6B | $18.7M | ||
| Q1 24 | $1.3B | $7.3M |
自由现金流ALLYRGR
| Q4 25 | — | $12.3M | ||
| Q3 25 | — | $7.0M | ||
| Q2 25 | — | $9.1M | ||
| Q1 25 | — | $10.0M | ||
| Q4 24 | — | $16.4M | ||
| Q3 24 | — | $2.6M | ||
| Q2 24 | — | $10.1M | ||
| Q1 24 | — | $5.6M |
自由现金流率ALLYRGR
| Q4 25 | — | 8.2% | ||
| Q3 25 | — | 5.5% | ||
| Q2 25 | — | 6.9% | ||
| Q1 25 | — | 7.4% | ||
| Q4 24 | — | 11.2% | ||
| Q3 24 | — | 2.1% | ||
| Q2 24 | — | 7.7% | ||
| Q1 24 | — | 4.1% |
资本支出强度ALLYRGR
| Q4 25 | — | 2.1% | ||
| Q3 25 | — | 4.6% | ||
| Q2 25 | — | 4.2% | ||
| Q1 25 | — | 0.8% | ||
| Q4 24 | — | 2.5% | ||
| Q3 24 | — | 5.5% | ||
| Q2 24 | — | 6.6% | ||
| Q1 24 | — | 1.3% |
现金转化率ALLYRGR
| Q4 25 | 1.96× | — | ||
| Q3 25 | 3.02× | 8.15× | ||
| Q2 25 | 2.69× | — | ||
| Q1 25 | — | 1.43× | ||
| Q4 24 | — | — | ||
| Q3 24 | 2.78× | 1.98× | ||
| Q2 24 | 5.36× | 2.27× | ||
| Q1 24 | 8.54× | 1.04× |
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% |
RGR
| Firearms | $150.6M | 100% |
| Castings | $7.3M | 5% |
