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Ally Financial Inc.（ALLY）与Rapid7, Inc.（RPD）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Rapid7, Inc.的1.4倍（$301.0M vs $217.4M），Ally Financial Inc.净利率更高（108.6% vs 1.4%，领先107.2%），Rapid7, Inc.同比增速更快（0.5% vs -3.2%），过去两年Ally Financial Inc.的营收复合增速更高（11.1% vs 3.0%）
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。
Rapid7是全球领先的网络安全企业，提供漏洞管理、威胁检测与响应、云安全、安全分析等全系列安全解决方案，服务全球科技、医疗、金融、制造等行业的各类规模企业及公共部门客户，助力客户高效识别、应对和缓解网络安全风险。
ALLY vs RPD — 直观对比
营收规模更大
ALLY
是对方的1.4倍
$217.4M
营收增速更快
RPD
高出3.7%
-3.2%
净利率更高
ALLY
高出107.2%
1.4%
两年增速更快
ALLY
近两年复合增速
3.0%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $301.0M | $217.4M |
| 净利润 | $327.0M | $3.1M |
| 毛利率 | — | 68.9% |
| 营业利润率 | — | 1.0% |
| 净利率 | 108.6% | 1.4% |
| 营收同比 | -3.2% | 0.5% |
| 净利润同比 | 333.6% | 44.1% |
| 每股收益（稀释后） | $0.97 | $0.05 |
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ALLYRPD
| Q4 25 | $301.0M | $217.4M | ||
| Q3 25 | $308.0M | $218.0M | ||
| Q2 25 | $312.0M | $214.2M | ||
| Q1 25 | $323.0M | $210.3M | ||
| Q4 24 | $311.0M | $216.3M | ||
| Q3 24 | $319.0M | $214.7M | ||
| Q2 24 | $324.0M | $208.0M | ||
| Q1 24 | $244.0M | $205.1M |
净利润ALLYRPD
| Q4 25 | $327.0M | $3.1M | ||
| Q3 25 | $398.0M | $9.8M | ||
| Q2 25 | $352.0M | $8.3M | ||
| Q1 25 | $-225.0M | $2.1M | ||
| Q4 24 | $-140.0M | $2.2M | ||
| Q3 24 | $357.0M | $15.4M | ||
| Q2 24 | $294.0M | $6.5M | ||
| Q1 24 | $157.0M | $1.4M |
毛利率ALLYRPD
| Q4 25 | — | 68.9% | ||
| Q3 25 | — | 70.2% | ||
| Q2 25 | — | 70.6% | ||
| Q1 25 | — | 71.7% | ||
| Q4 24 | — | 69.5% | ||
| Q3 24 | — | 70.6% | ||
| Q2 24 | — | 70.7% | ||
| Q1 24 | — | 70.3% |
营业利润率ALLYRPD
| Q4 25 | — | 1.0% | ||
| Q3 25 | — | 2.7% | ||
| Q2 25 | — | 1.6% | ||
| Q1 25 | -87.9% | -0.0% | ||
| Q4 24 | 56.3% | 3.4% | ||
| Q3 24 | 73.0% | 6.0% | ||
| Q2 24 | 79.3% | 2.5% | ||
| Q1 24 | 70.1% | 4.7% |
净利率ALLYRPD
| Q4 25 | 108.6% | 1.4% | ||
| Q3 25 | 129.2% | 4.5% | ||
| Q2 25 | 112.8% | 3.9% | ||
| Q1 25 | -69.7% | 1.0% | ||
| Q4 24 | -45.0% | 1.0% | ||
| Q3 24 | 111.9% | 7.2% | ||
| Q2 24 | 90.7% | 3.1% | ||
| Q1 24 | 64.3% | 0.7% |
每股收益（稀释后）ALLYRPD
| Q4 25 | $0.97 | $0.05 | ||
| Q3 25 | $1.18 | $0.15 | ||
| Q2 25 | $1.04 | $0.13 | ||
| Q1 25 | $-0.82 | $0.03 | ||
| Q4 24 | $-0.54 | $0.08 | ||
| Q3 24 | $1.06 | $0.21 | ||
| Q2 24 | $0.86 | $0.09 | ||
| Q1 24 | $0.42 | $0.02 |
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 | $474.7M |
| 总债务越低越好 | $17.1B | — |
| 股东权益账面价值 | $15.5B | $154.7M |
| 总资产 | $196.0B | $1.7B |
| 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ALLYRPD
| Q4 25 | $10.0B | $474.7M | ||
| Q3 25 | $10.2B | $407.1M | ||
| Q2 25 | $10.6B | $511.7M | ||
| Q1 25 | $10.4B | $493.5M | ||
| Q4 24 | $10.3B | $521.7M | ||
| Q3 24 | $8.6B | $443.7M | ||
| Q2 24 | $7.4B | $442.6M | ||
| Q1 24 | $8.2B | $411.7M |
总债务ALLYRPD
| 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ALLYRPD
| Q4 25 | $15.5B | $154.7M | ||
| Q3 25 | $15.1B | $127.2M | ||
| Q2 25 | $14.5B | $90.4M | ||
| Q1 25 | $14.2B | $52.7M | ||
| Q4 24 | $13.9B | $17.7M | ||
| Q3 24 | $14.7B | $-5.1M | ||
| Q2 24 | $13.9B | $-52.6M | ||
| Q1 24 | $13.7B | $-86.4M |
总资产ALLYRPD
| Q4 25 | $196.0B | $1.7B | ||
| Q3 25 | $191.7B | $1.7B | ||
| Q2 25 | $189.5B | $1.6B | ||
| Q1 25 | $193.3B | $1.6B | ||
| Q4 24 | $191.8B | $1.7B | ||
| Q3 24 | $193.0B | $1.6B | ||
| Q2 24 | $192.5B | $1.5B | ||
| Q1 24 | $192.9B | $1.5B |
负债/权益比ALLYRPD
| 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 | $37.6M |
| 自由现金流经营现金流 - 资本支出 | — | $36.4M |
| 自由现金流率自由现金流/营收 | — | 16.8% |
| 资本支出强度资本支出/营收 | — | 0.5% |
| 现金转化率经营现金流/净利润 | 1.96× | 12.01× |
| 过去12个月自由现金流最近4个季度 | — | $146.2M |
8季度趋势，按日历期对齐
经营现金流ALLYRPD
| Q4 25 | $640.0M | $37.6M | ||
| Q3 25 | $1.2B | $39.0M | ||
| Q2 25 | $947.0M | $47.5M | ||
| Q1 25 | $940.0M | $29.8M | ||
| Q4 24 | $620.0M | $63.8M | ||
| Q3 24 | $992.0M | $44.0M | ||
| Q2 24 | $1.6B | $32.9M | ||
| Q1 24 | $1.3B | $31.1M |
自由现金流ALLYRPD
| Q4 25 | — | $36.4M | ||
| Q3 25 | — | $34.8M | ||
| Q2 25 | — | $46.6M | ||
| Q1 25 | — | $28.4M | ||
| Q4 24 | — | $62.6M | ||
| Q3 24 | — | $42.6M | ||
| Q2 24 | — | $32.6M | ||
| Q1 24 | — | $30.4M |
自由现金流率ALLYRPD
| Q4 25 | — | 16.8% | ||
| Q3 25 | — | 16.0% | ||
| Q2 25 | — | 21.8% | ||
| Q1 25 | — | 13.5% | ||
| Q4 24 | — | 28.9% | ||
| Q3 24 | — | 19.9% | ||
| Q2 24 | — | 15.7% | ||
| Q1 24 | — | 14.8% |
资本支出强度ALLYRPD
| Q4 25 | — | 0.5% | ||
| Q3 25 | — | 1.9% | ||
| Q2 25 | — | 0.4% | ||
| Q1 25 | — | 0.6% | ||
| Q4 24 | — | 0.5% | ||
| Q3 24 | — | 0.6% | ||
| Q2 24 | — | 0.1% | ||
| Q1 24 | — | 0.3% |
现金转化率ALLYRPD
| Q4 25 | 1.96× | 12.01× | ||
| Q3 25 | 3.02× | 3.97× | ||
| Q2 25 | 2.69× | 5.70× | ||
| Q1 25 | — | 14.14× | ||
| Q4 24 | — | 29.36× | ||
| Q3 24 | 2.78× | 2.85× | ||
| Q2 24 | 5.36× | 5.03× | ||
| Q1 24 | 8.54× | 22.10× |
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% |
RPD
| Products | $209.1M | 96% |
| Services | $8.2M | 4% |
