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Ally Financial Inc.（ALLY）与GIBRALTAR INDUSTRIES, INC.（ROCK）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GIBRALTAR INDUSTRIES, INC.的1.3倍（$301.0M vs $225.0M），GIBRALTAR INDUSTRIES, INC.同比增速更快（24.9% vs -3.2%），过去两年Ally Financial Inc.的营收复合增速更高（11.1% vs -12.3%）
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。
直布罗陀工业公司是专业建筑、基础设施及可再生能源产品制造商与分销商，主营通风系统、屋面配件、太阳能安装支架、园林景观产品等，主要服务北美地区住宅、商业建筑及清洁能源市场，专注提供创新可持续的客户解决方案。
ALLY vs ROCK — 直观对比
营收规模更大
ALLY
是对方的1.3倍
$225.0M
营收增速更快
ROCK
高出28.2%
-3.2%
两年增速更快
ALLY
近两年复合增速
-12.3%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $301.0M | $225.0M |
| 净利润 | $327.0M | — |
| 毛利率 | — | 25.3% |
| 营业利润率 | — | 7.9% |
| 净利率 | 108.6% | — |
| 营收同比 | -3.2% | 24.9% |
| 净利润同比 | 333.6% | — |
| 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ALLYROCK
| Q4 25 | $301.0M | $225.0M | ||
| Q3 25 | $308.0M | $310.9M | ||
| Q2 25 | $312.0M | $309.5M | ||
| Q1 25 | $323.0M | $290.0M | ||
| Q4 24 | $311.0M | $180.1M | ||
| Q3 24 | $319.0M | $277.1M | ||
| Q2 24 | $324.0M | $273.6M | ||
| Q1 24 | $244.0M | $292.5M |
净利润ALLYROCK
| Q4 25 | $327.0M | — | ||
| Q3 25 | $398.0M | $-89.1M | ||
| Q2 25 | $352.0M | $26.0M | ||
| Q1 25 | $-225.0M | $21.1M | ||
| Q4 24 | $-140.0M | — | ||
| Q3 24 | $357.0M | $34.0M | ||
| Q2 24 | $294.0M | $32.2M | ||
| Q1 24 | $157.0M | $24.9M |
毛利率ALLYROCK
| Q4 25 | — | 25.3% | ||
| Q3 25 | — | 26.6% | ||
| Q2 25 | — | 28.4% | ||
| Q1 25 | — | 26.8% | ||
| Q4 24 | — | 29.0% | ||
| Q3 24 | — | 29.4% | ||
| Q2 24 | — | 30.5% | ||
| Q1 24 | — | 28.9% |
营业利润率ALLYROCK
| Q4 25 | — | 7.9% | ||
| Q3 25 | — | 12.8% | ||
| Q2 25 | — | 12.8% | ||
| Q1 25 | -87.9% | 8.8% | ||
| Q4 24 | 56.3% | 13.3% | ||
| Q3 24 | 73.0% | 15.6% | ||
| Q2 24 | 79.3% | 14.9% | ||
| Q1 24 | 70.1% | 10.8% |
净利率ALLYROCK
| Q4 25 | 108.6% | — | ||
| Q3 25 | 129.2% | -28.6% | ||
| Q2 25 | 112.8% | 8.4% | ||
| Q1 25 | -69.7% | 7.3% | ||
| Q4 24 | -45.0% | — | ||
| Q3 24 | 111.9% | 12.3% | ||
| Q2 24 | 90.7% | 11.8% | ||
| Q1 24 | 64.3% | 8.5% |
每股收益（稀释后）ALLYROCK
| Q4 25 | $0.97 | — | ||
| Q3 25 | $1.18 | $-2.98 | ||
| Q2 25 | $1.04 | $0.87 | ||
| Q1 25 | $-0.82 | — | ||
| Q4 24 | $-0.54 | — | ||
| Q3 24 | $1.06 | $1.11 | ||
| Q2 24 | $0.86 | $1.05 | ||
| 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 | $115.7M |
| 总债务越低越好 | $17.1B | $0 |
| 股东权益账面价值 | $15.5B | $950.4M |
| 总资产 | $196.0B | $1.4B |
| 负债/权益比越低杠杆越低 | 1.10× | 0.00× |
8季度趋势，按日历期对齐
现金及短期投资ALLYROCK
| Q4 25 | $10.0B | $115.7M | ||
| Q3 25 | $10.2B | $89.4M | ||
| Q2 25 | $10.6B | $43.3M | ||
| Q1 25 | $10.4B | $25.1M | ||
| Q4 24 | $10.3B | $269.5M | ||
| Q3 24 | $8.6B | $228.9M | ||
| Q2 24 | $7.4B | $179.1M | ||
| Q1 24 | $8.2B | $146.7M |
总债务ALLYROCK
| Q4 25 | $17.1B | $0 | ||
| Q3 25 | $16.7B | $0 | ||
| Q2 25 | $15.9B | $0 | ||
| Q1 25 | $16.5B | $0 | ||
| Q4 24 | $17.5B | $0 | ||
| Q3 24 | $16.8B | $0 | ||
| Q2 24 | $16.0B | $0 | ||
| Q1 24 | $17.0B | $0 |
股东权益ALLYROCK
| Q4 25 | $15.5B | $950.4M | ||
| Q3 25 | $15.1B | $951.8M | ||
| Q2 25 | $14.5B | $1.0B | ||
| Q1 25 | $14.2B | $1.0B | ||
| Q4 24 | $13.9B | $1.0B | ||
| Q3 24 | $14.7B | $1.0B | ||
| Q2 24 | $13.9B | $975.7M | ||
| Q1 24 | $13.7B | $940.2M |
总资产ALLYROCK
| Q4 25 | $196.0B | $1.4B | ||
| Q3 25 | $191.7B | $1.4B | ||
| Q2 25 | $189.5B | $1.5B | ||
| Q1 25 | $193.3B | $1.4B | ||
| Q4 24 | $191.8B | $1.4B | ||
| Q3 24 | $193.0B | $1.4B | ||
| Q2 24 | $192.5B | $1.4B | ||
| Q1 24 | $192.9B | $1.3B |
负债/权益比ALLYROCK
| Q4 25 | 1.10× | 0.00× | ||
| Q3 25 | 1.11× | 0.00× | ||
| Q2 25 | 1.09× | 0.00× | ||
| Q1 25 | 1.16× | 0.00× | ||
| Q4 24 | 1.26× | 0.00× | ||
| Q3 24 | 1.14× | 0.00× | ||
| Q2 24 | 1.15× | 0.00× | ||
| Q1 24 | 1.25× | 0.00× |
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 | $35.5M |
| 自由现金流经营现金流 - 资本支出 | — | $26.2M |
| 自由现金流率自由现金流/营收 | — | 11.7% |
| 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× | — |
| 过去12个月自由现金流最近4个季度 | — | $120.6M |
8季度趋势，按日历期对齐
经营现金流ALLYROCK
| Q4 25 | $640.0M | $35.5M | ||
| Q3 25 | $1.2B | $73.0M | ||
| Q2 25 | $947.0M | $44.9M | ||
| Q1 25 | $940.0M | $13.7M | ||
| Q4 24 | $620.0M | $19.9M | ||
| Q3 24 | $992.0M | $64.7M | ||
| Q2 24 | $1.6B | $36.5M | ||
| Q1 24 | $1.3B | $53.2M |
自由现金流ALLYROCK
| Q4 25 | — | $26.2M | ||
| Q3 25 | — | $64.8M | ||
| Q2 25 | — | $27.3M | ||
| Q1 25 | — | $2.3M | ||
| Q4 24 | — | $14.1M | ||
| Q3 24 | — | $60.5M | ||
| Q2 24 | — | $33.5M | ||
| Q1 24 | — | $48.8M |
自由现金流率ALLYROCK
| Q4 25 | — | 11.7% | ||
| Q3 25 | — | 20.8% | ||
| Q2 25 | — | 8.8% | ||
| Q1 25 | — | 0.8% | ||
| Q4 24 | — | 7.8% | ||
| Q3 24 | — | 21.8% | ||
| Q2 24 | — | 12.2% | ||
| Q1 24 | — | 16.7% |
资本支出强度ALLYROCK
| Q4 25 | — | 4.1% | ||
| Q3 25 | — | 2.6% | ||
| Q2 25 | — | 5.7% | ||
| Q1 25 | — | 3.9% | ||
| Q4 24 | — | 3.3% | ||
| Q3 24 | — | 1.5% | ||
| Q2 24 | — | 1.1% | ||
| Q1 24 | — | 1.5% |
现金转化率ALLYROCK
| Q4 25 | 1.96× | — | ||
| Q3 25 | 3.02× | — | ||
| Q2 25 | 2.69× | 1.73× | ||
| Q1 25 | — | 0.65× | ||
| Q4 24 | — | — | ||
| Q3 24 | 2.78× | 1.90× | ||
| Q2 24 | 5.36× | 1.13× | ||
| Q1 24 | 8.54× | 2.13× |
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% |
ROCK
| Transferred At Point In Time | $183.5M | 82% |
| Infrastructure | $22.5M | 10% |
| Other | $18.9M | 8% |
