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Ally Financial Inc.（ALLY）与SHOE CARNIVAL INC（SCVL）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SHOE CARNIVAL INC的1.0倍（$301.0M vs $297.2M），Ally Financial Inc.净利率更高（108.6% vs 4.9%，领先103.7%），SHOE CARNIVAL INC同比增速更快（-3.2% 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。
Shoe Carnival Inc是一家美国家庭鞋类零售商，目前在美国中西部、南部、东南部地区以及波多黎各共开设了429家门店。该公司由大卫·拉塞尔于1978年创立，截至2025年，其总部位于南卡罗来纳州福特米尔。
ALLY vs SCVL — 直观对比
营收规模更大
ALLY
是对方的1.0倍
$297.2M
营收增速更快
SCVL
高出0.0%
-3.2%
净利率更高
ALLY
高出103.7%
4.9%
两年增速更快
ALLY
近两年复合增速
3.0%
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $301.0M | $297.2M |
| 净利润 | $327.0M | $14.6M |
| 毛利率 | — | 37.6% |
| 营业利润率 | — | 6.3% |
| 净利率 | 108.6% | 4.9% |
| 营收同比 | -3.2% | -3.2% |
| 净利润同比 | 333.6% | -23.9% |
| 每股收益（稀释后） | $0.97 | $0.53 |
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ALLYSCVL
| Q4 25 | $301.0M | $297.2M | ||
| Q3 25 | $308.0M | $306.4M | ||
| Q2 25 | $312.0M | $277.7M | ||
| Q1 25 | $323.0M | $262.9M | ||
| Q4 24 | $311.0M | $306.9M | ||
| Q3 24 | $319.0M | $332.7M | ||
| Q2 24 | $324.0M | $300.4M | ||
| Q1 24 | $244.0M | $280.2M |
净利润ALLYSCVL
| Q4 25 | $327.0M | $14.6M | ||
| Q3 25 | $398.0M | $19.2M | ||
| Q2 25 | $352.0M | $9.3M | ||
| Q1 25 | $-225.0M | $14.7M | ||
| Q4 24 | $-140.0M | $19.2M | ||
| Q3 24 | $357.0M | $22.6M | ||
| Q2 24 | $294.0M | $17.3M | ||
| Q1 24 | $157.0M | $15.5M |
毛利率ALLYSCVL
| Q4 25 | — | 37.6% | ||
| Q3 25 | — | 38.8% | ||
| Q2 25 | — | 34.5% | ||
| Q1 25 | — | 34.9% | ||
| Q4 24 | — | 36.0% | ||
| Q3 24 | — | 36.1% | ||
| Q2 24 | — | 35.6% | ||
| Q1 24 | — | 35.6% |
营业利润率ALLYSCVL
| Q4 25 | — | 6.3% | ||
| Q3 25 | — | 8.2% | ||
| Q2 25 | — | 4.3% | ||
| Q1 25 | -87.9% | 5.3% | ||
| Q4 24 | 56.3% | 8.0% | ||
| Q3 24 | 73.0% | 9.0% | ||
| Q2 24 | 79.3% | 7.5% | ||
| Q1 24 | 70.1% | 7.1% |
净利率ALLYSCVL
| Q4 25 | 108.6% | 4.9% | ||
| Q3 25 | 129.2% | 6.3% | ||
| Q2 25 | 112.8% | 3.4% | ||
| Q1 25 | -69.7% | 5.6% | ||
| Q4 24 | -45.0% | 6.3% | ||
| Q3 24 | 111.9% | 6.8% | ||
| Q2 24 | 90.7% | 5.8% | ||
| Q1 24 | 64.3% | 5.5% |
每股收益（稀释后）ALLYSCVL
| Q4 25 | $0.97 | $0.53 | ||
| Q3 25 | $1.18 | $0.70 | ||
| Q2 25 | $1.04 | $0.34 | ||
| Q1 25 | $-0.82 | $0.53 | ||
| Q4 24 | $-0.54 | $0.70 | ||
| Q3 24 | $1.06 | $0.82 | ||
| Q2 24 | $0.86 | $0.63 | ||
| Q1 24 | $0.42 | $0.57 |
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 | $107.7M |
| 总债务越低越好 | $17.1B | — |
| 股东权益账面价值 | $15.5B | $683.2M |
| 总资产 | $196.0B | $1.2B |
| 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ALLYSCVL
| Q4 25 | $10.0B | $107.7M | ||
| Q3 25 | $10.2B | $91.9M | ||
| Q2 25 | $10.6B | $93.0M | ||
| Q1 25 | $10.4B | $123.1M | ||
| Q4 24 | $10.3B | $91.1M | ||
| Q3 24 | $8.6B | $84.5M | ||
| Q2 24 | $7.4B | $69.5M | ||
| Q1 24 | $8.2B | $111.2M |
总债务ALLYSCVL
| 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ALLYSCVL
| Q4 25 | $15.5B | $683.2M | ||
| Q3 25 | $15.1B | $670.7M | ||
| Q2 25 | $14.5B | $653.6M | ||
| Q1 25 | $14.2B | $649.0M | ||
| Q4 24 | $13.9B | $635.7M | ||
| Q3 24 | $14.7B | $618.5M | ||
| Q2 24 | $13.9B | $597.8M | ||
| Q1 24 | $13.7B | $583.4M |
总资产ALLYSCVL
| Q4 25 | $196.0B | $1.2B | ||
| Q3 25 | $191.7B | $1.2B | ||
| Q2 25 | $189.5B | $1.1B | ||
| Q1 25 | $193.3B | $1.1B | ||
| Q4 24 | $191.8B | $1.1B | ||
| Q3 24 | $193.0B | $1.1B | ||
| Q2 24 | $192.5B | $1.1B | ||
| Q1 24 | $192.9B | $1.0B |
负债/权益比ALLYSCVL
| 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 | $33.6M |
| 自由现金流经营现金流 - 资本支出 | — | $19.7M |
| 自由现金流率自由现金流/营收 | — | 6.6% |
| 资本支出强度资本支出/营收 | — | 4.7% |
| 现金转化率经营现金流/净利润 | 1.96× | 2.30× |
| 过去12个月自由现金流最近4个季度 | — | $35.1M |
8季度趋势，按日历期对齐
经营现金流ALLYSCVL
| Q4 25 | $640.0M | $33.6M | ||
| Q3 25 | $1.2B | $13.3M | ||
| Q2 25 | $947.0M | $-9.6M | ||
| Q1 25 | $940.0M | $44.5M | ||
| Q4 24 | $620.0M | $17.3M | ||
| Q3 24 | $992.0M | $23.7M | ||
| Q2 24 | $1.6B | $17.1M | ||
| Q1 24 | $1.3B | $53.4M |
自由现金流ALLYSCVL
| Q4 25 | — | $19.7M | ||
| Q3 25 | — | $2.2M | ||
| Q2 25 | — | $-23.0M | ||
| Q1 25 | — | $36.2M | ||
| Q4 24 | — | $8.3M | ||
| Q3 24 | — | $18.2M | ||
| Q2 24 | — | $6.9M | ||
| Q1 24 | — | $40.7M |
自由现金流率ALLYSCVL
| Q4 25 | — | 6.6% | ||
| Q3 25 | — | 0.7% | ||
| Q2 25 | — | -8.3% | ||
| Q1 25 | — | 13.8% | ||
| Q4 24 | — | 2.7% | ||
| Q3 24 | — | 5.5% | ||
| Q2 24 | — | 2.3% | ||
| Q1 24 | — | 14.5% |
资本支出强度ALLYSCVL
| Q4 25 | — | 4.7% | ||
| Q3 25 | — | 3.6% | ||
| Q2 25 | — | 4.8% | ||
| Q1 25 | — | 3.2% | ||
| Q4 24 | — | 3.0% | ||
| Q3 24 | — | 1.7% | ||
| Q2 24 | — | 3.4% | ||
| Q1 24 | — | 4.5% |
现金转化率ALLYSCVL
| Q4 25 | 1.96× | 2.30× | ||
| Q3 25 | 3.02× | 0.69× | ||
| Q2 25 | 2.69× | -1.03× | ||
| Q1 25 | — | 3.04× | ||
| Q4 24 | — | 0.90× | ||
| Q3 24 | 2.78× | 1.05× | ||
| Q2 24 | 5.36× | 0.99× | ||
| Q1 24 | 8.54× | 3.44× |
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% |
SCVL
暂无分部数据
