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Ally Financial Inc.（ALLY）与Rocket Lab Corp（RKLB）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Rocket Lab Corp的1.7倍（$301.0M vs $179.7M），Ally Financial Inc.净利率更高（108.6% vs -29.5%，领先138.1%），Rocket Lab Corp同比增速更快（35.7% vs -3.2%），过去两年Rocket Lab Corp的营收复合增速更高（39.2% 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。
Rocket Lab是公开上市的航空航天制造商及发射服务提供商，旗下Electron轨道火箭主打小型卫星发射，截至2026年1月已成功完成超75次任务，是全球现役发射次数最多的小型运载火箭。公司还开发了Electron的亚轨道改型HASTE用作高超音速技术测试平台，下一代可复用中型运载火箭Neutron目前也在研发中。
ALLY vs RKLB — 直观对比
营收规模更大
ALLY
是对方的1.7倍
$179.7M
营收增速更快
RKLB
高出38.9%
-3.2%
净利率更高
ALLY
高出138.1%
-29.5%
两年增速更快
RKLB
近两年复合增速
11.1%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $301.0M | $179.7M |
| 净利润 | $327.0M | $-52.9M |
| 毛利率 | — | 38.0% |
| 营业利润率 | — | -28.4% |
| 净利率 | 108.6% | -29.5% |
| 营收同比 | -3.2% | 35.7% |
| 净利润同比 | 333.6% | -1.1% |
| 每股收益（稀释后） | $0.97 | $-0.09 |
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ALLYRKLB
| Q4 25 | $301.0M | $179.7M | ||
| Q3 25 | $308.0M | $155.1M | ||
| Q2 25 | $312.0M | $144.5M | ||
| Q1 25 | $323.0M | $122.6M | ||
| Q4 24 | $311.0M | $132.4M | ||
| Q3 24 | $319.0M | $104.8M | ||
| Q2 24 | $324.0M | $106.3M | ||
| Q1 24 | $244.0M | $92.8M |
净利润ALLYRKLB
| Q4 25 | $327.0M | $-52.9M | ||
| Q3 25 | $398.0M | $-18.3M | ||
| Q2 25 | $352.0M | $-66.4M | ||
| Q1 25 | $-225.0M | $-60.6M | ||
| Q4 24 | $-140.0M | $-52.3M | ||
| Q3 24 | $357.0M | $-51.9M | ||
| Q2 24 | $294.0M | $-41.6M | ||
| Q1 24 | $157.0M | $-44.3M |
毛利率ALLYRKLB
| Q4 25 | — | 38.0% | ||
| Q3 25 | — | 37.0% | ||
| Q2 25 | — | 32.1% | ||
| Q1 25 | — | 28.8% | ||
| Q4 24 | — | 27.8% | ||
| Q3 24 | — | 26.7% | ||
| Q2 24 | — | 25.6% | ||
| Q1 24 | — | 26.1% |
营业利润率ALLYRKLB
| Q4 25 | — | -28.4% | ||
| Q3 25 | — | -38.0% | ||
| Q2 25 | — | -41.3% | ||
| Q1 25 | -87.9% | -48.3% | ||
| Q4 24 | 56.3% | -38.9% | ||
| Q3 24 | 73.0% | -49.5% | ||
| Q2 24 | 79.3% | -40.7% | ||
| Q1 24 | 70.1% | -46.4% |
净利率ALLYRKLB
| Q4 25 | 108.6% | -29.5% | ||
| Q3 25 | 129.2% | -11.8% | ||
| Q2 25 | 112.8% | -46.0% | ||
| Q1 25 | -69.7% | -49.5% | ||
| Q4 24 | -45.0% | -39.5% | ||
| Q3 24 | 111.9% | -49.6% | ||
| Q2 24 | 90.7% | -39.2% | ||
| Q1 24 | 64.3% | -47.7% |
每股收益（稀释后）ALLYRKLB
| Q4 25 | $0.97 | $-0.09 | ||
| Q3 25 | $1.18 | $-0.03 | ||
| Q2 25 | $1.04 | $-0.13 | ||
| Q1 25 | $-0.82 | $-0.12 | ||
| Q4 24 | $-0.54 | $-0.11 | ||
| Q3 24 | $1.06 | $-0.10 | ||
| Q2 24 | $0.86 | $-0.08 | ||
| Q1 24 | $0.42 | $-0.09 |
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 | $1.0B |
| 总债务越低越好 | $17.1B | $152.4M |
| 股东权益账面价值 | $15.5B | $1.7B |
| 总资产 | $196.0B | $2.3B |
| 负债/权益比越低杠杆越低 | 1.10× | 0.09× |
8季度趋势，按日历期对齐
现金及短期投资ALLYRKLB
| Q4 25 | $10.0B | $1.0B | ||
| Q3 25 | $10.2B | $976.7M | ||
| Q2 25 | $10.6B | $688.1M | ||
| Q1 25 | $10.4B | $428.4M | ||
| Q4 24 | $10.3B | $419.0M | ||
| Q3 24 | $8.6B | $442.4M | ||
| Q2 24 | $7.4B | $496.8M | ||
| Q1 24 | $8.2B | $492.5M |
总债务ALLYRKLB
| Q4 25 | $17.1B | $152.4M | ||
| Q3 25 | $16.7B | $347.0M | ||
| Q2 25 | $15.9B | $346.5M | ||
| Q1 25 | $16.5B | $345.9M | ||
| Q4 24 | $17.5B | $345.4M | ||
| Q3 24 | $16.8B | $61.2M | ||
| Q2 24 | $16.0B | $64.2M | ||
| Q1 24 | $17.0B | $66.8M |
股东权益ALLYRKLB
| Q4 25 | $15.5B | $1.7B | ||
| Q3 25 | $15.1B | $1.3B | ||
| Q2 25 | $14.5B | $688.5M | ||
| Q1 25 | $14.2B | $431.3M | ||
| Q4 24 | $13.9B | $382.5M | ||
| Q3 24 | $14.7B | $419.8M | ||
| Q2 24 | $13.9B | $455.2M | ||
| Q1 24 | $13.7B | $478.9M |
总资产ALLYRKLB
| Q4 25 | $196.0B | $2.3B | ||
| Q3 25 | $191.7B | $2.2B | ||
| Q2 25 | $189.5B | $1.6B | ||
| Q1 25 | $193.3B | $1.3B | ||
| Q4 24 | $191.8B | $1.2B | ||
| Q3 24 | $193.0B | $1.2B | ||
| Q2 24 | $192.5B | $1.2B | ||
| Q1 24 | $192.9B | $1.2B |
负债/权益比ALLYRKLB
| Q4 25 | 1.10× | 0.09× | ||
| Q3 25 | 1.11× | 0.27× | ||
| Q2 25 | 1.09× | 0.50× | ||
| Q1 25 | 1.16× | 0.80× | ||
| Q4 24 | 1.26× | 0.90× | ||
| Q3 24 | 1.14× | 0.15× | ||
| Q2 24 | 1.15× | 0.14× | ||
| Q1 24 | 1.25× | 0.14× |
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 | $-64.5M |
| 自由现金流经营现金流 - 资本支出 | — | $-114.2M |
| 自由现金流率自由现金流/营收 | — | -63.6% |
| 资本支出强度资本支出/营收 | — | 27.6% |
| 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 | — | $-321.8M |
8季度趋势，按日历期对齐
经营现金流ALLYRKLB
| Q4 25 | $640.0M | $-64.5M | ||
| Q3 25 | $1.2B | $-23.5M | ||
| Q2 25 | $947.0M | $-23.2M | ||
| Q1 25 | $940.0M | $-54.2M | ||
| Q4 24 | $620.0M | $-2.4M | ||
| Q3 24 | $992.0M | $-30.9M | ||
| Q2 24 | $1.6B | $-13.0M | ||
| Q1 24 | $1.3B | $-2.6M |
自由现金流ALLYRKLB
| Q4 25 | — | $-114.2M | ||
| Q3 25 | — | $-69.4M | ||
| Q2 25 | — | $-55.3M | ||
| Q1 25 | — | $-82.9M | ||
| Q4 24 | — | $-23.9M | ||
| Q3 24 | — | $-41.9M | ||
| Q2 24 | — | $-28.3M | ||
| Q1 24 | — | $-21.8M |
自由现金流率ALLYRKLB
| Q4 25 | — | -63.6% | ||
| Q3 25 | — | -44.8% | ||
| Q2 25 | — | -38.3% | ||
| Q1 25 | — | -67.6% | ||
| Q4 24 | — | -18.1% | ||
| Q3 24 | — | -40.0% | ||
| Q2 24 | — | -26.7% | ||
| Q1 24 | — | -23.5% |
资本支出强度ALLYRKLB
| Q4 25 | — | 27.6% | ||
| Q3 25 | — | 29.6% | ||
| Q2 25 | — | 22.2% | ||
| Q1 25 | — | 23.4% | ||
| Q4 24 | — | 16.3% | ||
| Q3 24 | — | 10.5% | ||
| Q2 24 | — | 14.4% | ||
| Q1 24 | — | 20.7% |
现金转化率ALLYRKLB
| Q4 25 | 1.96× | — | ||
| Q3 25 | 3.02× | — | ||
| Q2 25 | 2.69× | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 2.78× | — | ||
| Q2 24 | 5.36× | — | ||
| 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% |
RKLB
| Products | $94.0M | 52% |
| Transferred Over Time | $87.3M | 49% |
