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Ally Financial Inc.（ALLY）与RAYONIER ADVANCED MATERIALS INC.（RYAM）财务数据对比。点击上方公司名可切换其他公司
RAYONIER ADVANCED MATERIALS INC.的季度营收约是Ally Financial Inc.的1.4倍（$417.5M vs $301.0M），Ally Financial Inc.净利率更高（108.6% vs -5.0%，领先113.7%），RAYONIER ADVANCED MATERIALS INC.同比增速更快（-1.2% vs -3.2%），过去两年Ally Financial Inc.的营收复合增速更高（11.1% vs 3.8%）
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。
RYAM（原雷尼尔先进材料公司）是一家美国全球性纤维素技术企业，主打高纯度特种纤维素产品，所生产的天然聚合物广泛应用于过滤器生产、食品加工、医药制造及各类工业领域，同时也为造纸和包装行业供应相关产品，在纤维素技术领域拥有较高的行业认可度。
ALLY vs RYAM — 直观对比
营收规模更大
RYAM
是对方的1.4倍
$301.0M
营收增速更快
RYAM
高出2.0%
-3.2%
净利率更高
ALLY
高出113.7%
-5.0%
两年增速更快
ALLY
近两年复合增速
3.8%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $301.0M | $417.5M |
| 净利润 | $327.0M | $-21.1M |
| 毛利率 | — | 8.9% |
| 营业利润率 | — | 2.6% |
| 净利率 | 108.6% | -5.0% |
| 营收同比 | -3.2% | -1.2% |
| 净利润同比 | 333.6% | -31.9% |
| 每股收益（稀释后） | $0.97 | $-0.33 |
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ALLYRYAM
| Q4 25 | $301.0M | $417.5M | ||
| Q3 25 | $308.0M | $352.8M | ||
| Q2 25 | $312.0M | $340.0M | ||
| Q1 25 | $323.0M | $356.0M | ||
| Q4 24 | $311.0M | $422.5M | ||
| Q3 24 | $319.0M | $401.1M | ||
| Q2 24 | $324.0M | $419.0M | ||
| Q1 24 | $244.0M | $387.7M |
净利润ALLYRYAM
| Q4 25 | $327.0M | $-21.1M | ||
| Q3 25 | $398.0M | $-4.5M | ||
| Q2 25 | $352.0M | $-363.2M | ||
| Q1 25 | $-225.0M | $-32.0M | ||
| Q4 24 | $-140.0M | $-16.0M | ||
| Q3 24 | $357.0M | $-32.6M | ||
| Q2 24 | $294.0M | $11.4M | ||
| Q1 24 | $157.0M | $-1.6M |
毛利率ALLYRYAM
| Q4 25 | — | 8.9% | ||
| Q3 25 | — | 9.7% | ||
| Q2 25 | — | 7.0% | ||
| Q1 25 | — | 6.8% | ||
| Q4 24 | — | 8.7% | ||
| Q3 24 | — | 10.9% | ||
| Q2 24 | — | 11.5% | ||
| Q1 24 | — | 9.5% |
营业利润率ALLYRYAM
| Q4 25 | — | 2.6% | ||
| Q3 25 | — | 2.8% | ||
| Q2 25 | — | -0.4% | ||
| Q1 25 | -87.9% | -4.2% | ||
| Q4 24 | 56.3% | 2.6% | ||
| Q3 24 | 73.0% | -4.2% | ||
| Q2 24 | 79.3% | 6.7% | ||
| Q1 24 | 70.1% | 4.4% |
净利率ALLYRYAM
| Q4 25 | 108.6% | -5.0% | ||
| Q3 25 | 129.2% | -1.3% | ||
| Q2 25 | 112.8% | -106.8% | ||
| Q1 25 | -69.7% | -9.0% | ||
| Q4 24 | -45.0% | -3.8% | ||
| Q3 24 | 111.9% | -8.1% | ||
| Q2 24 | 90.7% | 2.7% | ||
| Q1 24 | 64.3% | -0.4% |
每股收益（稀释后）ALLYRYAM
| Q4 25 | $0.97 | $-0.33 | ||
| Q3 25 | $1.18 | $-0.07 | ||
| Q2 25 | $1.04 | $-5.44 | ||
| Q1 25 | $-0.82 | $-0.49 | ||
| Q4 24 | $-0.54 | $-0.25 | ||
| Q3 24 | $1.06 | $-0.49 | ||
| Q2 24 | $0.86 | $0.17 | ||
| 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 | $75.4M |
| 总债务越低越好 | $17.1B | $758.1M |
| 股东权益账面价值 | $15.5B | $316.6M |
| 总资产 | $196.0B | $1.8B |
| 负债/权益比越低杠杆越低 | 1.10× | 2.39× |
8季度趋势，按日历期对齐
现金及短期投资ALLYRYAM
| Q4 25 | $10.0B | $75.4M | ||
| Q3 25 | $10.2B | $77.0M | ||
| Q2 25 | $10.6B | $70.7M | ||
| Q1 25 | $10.4B | $129.9M | ||
| Q4 24 | $10.3B | $125.2M | ||
| Q3 24 | $8.6B | $136.1M | ||
| Q2 24 | $7.4B | $114.1M | ||
| Q1 24 | $8.2B | $54.6M |
总债务ALLYRYAM
| Q4 25 | $17.1B | $758.1M | ||
| Q3 25 | $16.7B | $763.5M | ||
| Q2 25 | $15.9B | $720.4M | ||
| Q1 25 | $16.5B | $707.0M | ||
| Q4 24 | $17.5B | $706.4M | ||
| Q3 24 | $16.8B | $747.7M | ||
| Q2 24 | $16.0B | $752.8M | ||
| Q1 24 | $17.0B | $755.6M |
股东权益ALLYRYAM
| Q4 25 | $15.5B | $316.6M | ||
| Q3 25 | $15.1B | $338.2M | ||
| Q2 25 | $14.5B | $342.3M | ||
| Q1 25 | $14.2B | $688.1M | ||
| Q4 24 | $13.9B | $713.9M | ||
| Q3 24 | $14.7B | $732.7M | ||
| Q2 24 | $13.9B | $755.1M | ||
| Q1 24 | $13.7B | $741.8M |
总资产ALLYRYAM
| Q4 25 | $196.0B | $1.8B | ||
| Q3 25 | $191.7B | $1.8B | ||
| Q2 25 | $189.5B | $1.8B | ||
| Q1 25 | $193.3B | $2.1B | ||
| Q4 24 | $191.8B | $2.1B | ||
| Q3 24 | $193.0B | $2.2B | ||
| Q2 24 | $192.5B | $2.2B | ||
| Q1 24 | $192.9B | $2.1B |
负债/权益比ALLYRYAM
| Q4 25 | 1.10× | 2.39× | ||
| Q3 25 | 1.11× | 2.26× | ||
| Q2 25 | 1.09× | 2.10× | ||
| Q1 25 | 1.16× | 1.03× | ||
| Q4 24 | 1.26× | 0.99× | ||
| Q3 24 | 1.14× | 1.02× | ||
| Q2 24 | 1.15× | 1.00× | ||
| Q1 24 | 1.25× | 1.02× |
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 | $32.3M |
| 自由现金流经营现金流 - 资本支出 | — | — |
| 自由现金流率自由现金流/营收 | — | — |
| 资本支出强度资本支出/营收 | — | — |
| 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 | — | — |
8季度趋势，按日历期对齐
经营现金流ALLYRYAM
| Q4 25 | $640.0M | $32.3M | ||
| Q3 25 | $1.2B | $-17.8M | ||
| Q2 25 | $947.0M | $-30.2M | ||
| Q1 25 | $940.0M | $39.6M | ||
| Q4 24 | $620.0M | $54.9M | ||
| Q3 24 | $992.0M | $49.8M | ||
| Q2 24 | $1.6B | $87.6M | ||
| Q1 24 | $1.3B | $11.3M |
现金转化率ALLYRYAM
| Q4 25 | 1.96× | — | ||
| Q3 25 | 3.02× | — | ||
| Q2 25 | 2.69× | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 2.78× | — | ||
| Q2 24 | 5.36× | 7.69× | ||
| 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% |
RYAM
| Cellulose Specialties | $249.6M | 60% |
| Other | $86.2M | 21% |
| Paperboard | $44.2M | 11% |
| High Yield Pulp | $28.3M | 7% |
| Biomaterials | $9.2M | 2% |
