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Ally Financial Inc.（ALLY）与Stitch Fix, Inc.（SFIX）财务数据对比。点击上方公司名可切换其他公司
Stitch Fix, Inc.的季度营收约是Ally Financial Inc.的1.1倍（$342.1M vs $301.0M），Ally Financial Inc.净利率更高（108.6% vs -1.9%，领先110.5%），Stitch Fix, Inc.同比增速更快（7.3% vs -3.2%），过去两年Ally Financial Inc.的营收复合增速更高（11.1% vs 1.8%）
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。
Stitch Fix是美国的在线个人造型服务平台，依托推荐算法与数据科学技术，根据顾客的身形尺寸、预算和风格偏好推送个性化服饰单品。该公司创立于2011年，2017年完成首次公开募股，目前总部位于旧金山。
ALLY vs SFIX — 直观对比
营收规模更大
SFIX
是对方的1.1倍
$301.0M
营收增速更快
SFIX
高出10.5%
-3.2%
净利率更高
ALLY
高出110.5%
-1.9%
两年增速更快
ALLY
近两年复合增速
1.8%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $301.0M | $342.1M |
| 净利润 | $327.0M | $-6.4M |
| 毛利率 | — | 43.6% |
| 营业利润率 | — | -2.5% |
| 净利率 | 108.6% | -1.9% |
| 营收同比 | -3.2% | 7.3% |
| 净利润同比 | 333.6% | -1.7% |
| 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ALLYSFIX
| Q4 25 | $301.0M | $342.1M | ||
| Q3 25 | $308.0M | $311.2M | ||
| Q2 25 | $312.0M | $325.0M | ||
| Q1 25 | $323.0M | $312.1M | ||
| Q4 24 | $311.0M | $318.8M | ||
| Q3 24 | $319.0M | $319.6M | ||
| Q2 24 | $324.0M | $322.7M | ||
| Q1 24 | $244.0M | $330.4M |
净利润ALLYSFIX
| Q4 25 | $327.0M | $-6.4M | ||
| Q3 25 | $398.0M | $-8.6M | ||
| Q2 25 | $352.0M | $-7.4M | ||
| Q1 25 | $-225.0M | $-6.5M | ||
| Q4 24 | $-140.0M | $-6.3M | ||
| Q3 24 | $357.0M | $-36.5M | ||
| Q2 24 | $294.0M | $-21.3M | ||
| Q1 24 | $157.0M | $-35.5M |
毛利率ALLYSFIX
| Q4 25 | — | 43.6% | ||
| Q3 25 | — | 43.6% | ||
| Q2 25 | — | 44.2% | ||
| Q1 25 | — | 44.5% | ||
| Q4 24 | — | 45.4% | ||
| Q3 24 | — | 44.6% | ||
| Q2 24 | — | 45.5% | ||
| Q1 24 | — | 43.4% |
营业利润率ALLYSFIX
| Q4 25 | — | -2.5% | ||
| Q3 25 | — | -3.6% | ||
| Q2 25 | — | -3.0% | ||
| Q1 25 | -87.9% | -2.9% | ||
| Q4 24 | 56.3% | -2.8% | ||
| Q3 24 | 73.0% | -13.1% | ||
| Q2 24 | 79.3% | -7.7% | ||
| Q1 24 | 70.1% | -11.5% |
净利率ALLYSFIX
| Q4 25 | 108.6% | -1.9% | ||
| Q3 25 | 129.2% | -2.8% | ||
| Q2 25 | 112.8% | -2.3% | ||
| Q1 25 | -69.7% | -2.1% | ||
| Q4 24 | -45.0% | -2.0% | ||
| Q3 24 | 111.9% | -11.4% | ||
| Q2 24 | 90.7% | -6.6% | ||
| Q1 24 | 64.3% | -10.8% |
每股收益（稀释后）ALLYSFIX
| Q4 25 | $0.97 | $-0.05 | ||
| Q3 25 | $1.18 | $-0.06 | ||
| Q2 25 | $1.04 | $-0.06 | ||
| Q1 25 | $-0.82 | $-0.05 | ||
| Q4 24 | $-0.54 | $-0.05 | ||
| Q3 24 | $1.06 | $-0.29 | ||
| Q2 24 | $0.86 | $-0.18 | ||
| Q1 24 | $0.42 | $-0.30 |
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 | $244.2M |
| 总债务越低越好 | $17.1B | — |
| 股东权益账面价值 | $15.5B | $204.1M |
| 总资产 | $196.0B | $530.7M |
| 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ALLYSFIX
| Q4 25 | $10.0B | $244.2M | ||
| Q3 25 | $10.2B | $234.9M | ||
| Q2 25 | $10.6B | $234.2M | ||
| Q1 25 | $10.4B | $219.1M | ||
| Q4 24 | $10.3B | $253.3M | ||
| Q3 24 | $8.6B | $247.0M | ||
| Q2 24 | $7.4B | $244.5M | ||
| Q1 24 | $8.2B | $229.8M |
总债务ALLYSFIX
| 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ALLYSFIX
| Q4 25 | $15.5B | $204.1M | ||
| Q3 25 | $15.1B | $203.0M | ||
| Q2 25 | $14.5B | $200.4M | ||
| Q1 25 | $14.2B | $197.8M | ||
| Q4 24 | $13.9B | $190.5M | ||
| Q3 24 | $14.7B | $187.0M | ||
| Q2 24 | $13.9B | $208.9M | ||
| Q1 24 | $13.7B | $213.3M |
总资产ALLYSFIX
| Q4 25 | $196.0B | $530.7M | ||
| Q3 25 | $191.7B | $480.6M | ||
| Q2 25 | $189.5B | $484.7M | ||
| Q1 25 | $193.3B | $472.6M | ||
| Q4 24 | $191.8B | $507.1M | ||
| Q3 24 | $193.0B | $486.9M | ||
| Q2 24 | $192.5B | $537.0M | ||
| Q1 24 | $192.9B | $538.3M |
负债/权益比ALLYSFIX
| 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 | $10.9M |
| 自由现金流经营现金流 - 资本支出 | — | $5.6M |
| 自由现金流率自由现金流/营收 | — | 1.6% |
| 资本支出强度资本支出/营收 | — | 1.6% |
| 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 | — | $4.9M |
8季度趋势，按日历期对齐
经营现金流ALLYSFIX
| Q4 25 | $640.0M | $10.9M | ||
| Q3 25 | $1.2B | $7.0M | ||
| Q2 25 | $947.0M | $20.5M | ||
| Q1 25 | $940.0M | $-16.2M | ||
| Q4 24 | $620.0M | $14.3M | ||
| Q3 24 | $992.0M | $8.2M | ||
| Q2 24 | $1.6B | $21.7M | ||
| Q1 24 | $1.3B | $-22.3M |
自由现金流ALLYSFIX
| Q4 25 | — | $5.6M | ||
| Q3 25 | — | $2.8M | ||
| Q2 25 | — | $16.0M | ||
| Q1 25 | — | $-19.4M | ||
| Q4 24 | — | $9.9M | ||
| Q3 24 | — | $4.5M | ||
| Q2 24 | — | $18.9M | ||
| Q1 24 | — | $-26.1M |
自由现金流率ALLYSFIX
| Q4 25 | — | 1.6% | ||
| Q3 25 | — | 0.9% | ||
| Q2 25 | — | 4.9% | ||
| Q1 25 | — | -6.2% | ||
| Q4 24 | — | 3.1% | ||
| Q3 24 | — | 1.4% | ||
| Q2 24 | — | 5.9% | ||
| Q1 24 | — | -7.9% |
资本支出强度ALLYSFIX
| Q4 25 | — | 1.6% | ||
| Q3 25 | — | 1.4% | ||
| Q2 25 | — | 1.4% | ||
| Q1 25 | — | 1.0% | ||
| Q4 24 | — | 1.4% | ||
| Q3 24 | — | 1.2% | ||
| Q2 24 | — | 0.9% | ||
| Q1 24 | — | 1.1% |
现金转化率ALLYSFIX
| 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% |
SFIX
暂无分部数据
