vs
Ally Financial Inc.（ALLY）与标普全球（SPGI）财务数据对比。点击上方公司名可切换其他公司
标普全球的季度营收约是Ally Financial Inc.的13.0倍（$3.9B vs $301.0M）。Ally Financial Inc.净利率更高（108.6% vs 28.9%，领先79.7%）。标普全球同比增速更快（9.0% vs -3.2%）。过去两年Ally Financial Inc.的营收复合增速更高（11.1% vs 5.9%）
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。
标普全球是总部位于美国纽约曼哈顿的上市企业，核心业务涵盖金融信息、数据分析、能源及大宗商品情报服务，旗下拥有标普全球评级、标普全球市场财智、标普全球能源、标普全球移动、印度信用评级机构CRISIL等业务板块，同时控股合资企业标普道琼斯指数。
ALLY vs SPGI — 直观对比
营收规模更大
SPGI
是对方的13.0倍
$301.0M
营收增速更快
SPGI
高出12.2%
-3.2%
净利率更高
ALLY
高出79.7%
28.9%
两年增速更快
ALLY
近两年复合增速
5.9%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $301.0M | $3.9B |
| 净利润 | $327.0M | $1.1B |
| 毛利率 | — | 70.1% |
| 营业利润率 | — | 42.7% |
| 净利率 | 108.6% | 28.9% |
| 营收同比 | -3.2% | 9.0% |
| 净利润同比 | 333.6% | 28.9% |
| 每股收益（稀释后） | $0.97 | $3.76 |
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ALLYSPGI
| Q4 25 | $301.0M | $3.9B | ||
| Q3 25 | $308.0M | $3.9B | ||
| Q2 25 | $312.0M | $3.8B | ||
| Q1 25 | $323.0M | $3.8B | ||
| Q4 24 | $311.0M | $3.6B | ||
| Q3 24 | $319.0M | $3.6B | ||
| Q2 24 | $324.0M | $3.5B | ||
| Q1 24 | $244.0M | $3.5B |
净利润ALLYSPGI
| Q4 25 | $327.0M | $1.1B | ||
| Q3 25 | $398.0M | $1.2B | ||
| Q2 25 | $352.0M | $1.1B | ||
| Q1 25 | $-225.0M | $1.1B | ||
| Q4 24 | $-140.0M | $879.0M | ||
| Q3 24 | $357.0M | $971.0M | ||
| Q2 24 | $294.0M | $1.0B | ||
| Q1 24 | $157.0M | $991.0M |
毛利率ALLYSPGI
| Q4 25 | — | 70.1% | ||
| Q3 25 | — | 71.2% | ||
| Q2 25 | — | 70.2% | ||
| Q1 25 | — | 69.5% | ||
| Q4 24 | — | 69.8% | ||
| Q3 24 | — | 70.0% | ||
| Q2 24 | — | 69.4% | ||
| Q1 24 | — | 67.9% |
营业利润率ALLYSPGI
| Q4 25 | — | 42.7% | ||
| Q3 25 | — | 43.1% | ||
| Q2 25 | — | 41.3% | ||
| Q1 25 | -87.9% | 41.8% | ||
| Q4 24 | 56.3% | 36.4% | ||
| Q3 24 | 73.0% | 40.1% | ||
| Q2 24 | 79.3% | 40.9% | ||
| Q1 24 | 70.1% | 39.7% |
净利率ALLYSPGI
| Q4 25 | 108.6% | 28.9% | ||
| Q3 25 | 129.2% | 30.2% | ||
| Q2 25 | 112.8% | 28.5% | ||
| Q1 25 | -69.7% | 28.9% | ||
| Q4 24 | -45.0% | 24.5% | ||
| Q3 24 | 111.9% | 27.2% | ||
| Q2 24 | 90.7% | 28.5% | ||
| Q1 24 | 64.3% | 28.4% |
每股收益（稀释后）ALLYSPGI
| Q4 25 | $0.97 | $3.76 | ||
| Q3 25 | $1.18 | $3.86 | ||
| Q2 25 | $1.04 | $3.50 | ||
| Q1 25 | $-0.82 | $3.54 | ||
| Q4 24 | $-0.54 | $2.85 | ||
| Q3 24 | $1.06 | $3.11 | ||
| Q2 24 | $0.86 | $3.23 | ||
| Q1 24 | $0.42 | $3.16 |
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 | $1.8B |
| 总债务越低越好 | $17.1B | $13.1B |
| 股东权益账面价值 | $15.5B | $31.1B |
| 总资产 | $196.0B | $61.2B |
| 负债/权益比越低杠杆越低 | 1.10× | 0.42× |
8季度趋势，按日历期对齐
现金及短期投资ALLYSPGI
| Q4 25 | $10.0B | $1.8B | ||
| Q3 25 | $10.2B | $1.7B | ||
| Q2 25 | $10.6B | $1.8B | ||
| Q1 25 | $10.4B | $1.5B | ||
| Q4 24 | $10.3B | $1.7B | ||
| Q3 24 | $8.6B | $1.7B | ||
| Q2 24 | $7.4B | $2.0B | ||
| Q1 24 | $8.2B | $1.5B |
总债务ALLYSPGI
| Q4 25 | $17.1B | $13.1B | ||
| Q3 25 | $16.7B | $11.4B | ||
| Q2 25 | $15.9B | $11.4B | ||
| Q1 25 | $16.5B | $11.4B | ||
| Q4 24 | $17.5B | $11.4B | ||
| Q3 24 | $16.8B | $11.4B | ||
| Q2 24 | $16.0B | $11.4B | ||
| Q1 24 | $17.0B | $11.7B |
股东权益ALLYSPGI
| Q4 25 | $15.5B | $31.1B | ||
| Q3 25 | $15.1B | $33.1B | ||
| Q2 25 | $14.5B | $33.4B | ||
| Q1 25 | $14.2B | $33.4B | ||
| Q4 24 | $13.9B | $33.2B | ||
| Q3 24 | $14.7B | $34.0B | ||
| Q2 24 | $13.9B | $34.9B | ||
| Q1 24 | $13.7B | $34.3B |
总资产ALLYSPGI
| Q4 25 | $196.0B | $61.2B | ||
| Q3 25 | $191.7B | $59.7B | ||
| Q2 25 | $189.5B | $60.4B | ||
| Q1 25 | $193.3B | $59.9B | ||
| Q4 24 | $191.8B | $60.2B | ||
| Q3 24 | $193.0B | $60.4B | ||
| Q2 24 | $192.5B | $61.0B | ||
| Q1 24 | $192.9B | $60.5B |
负债/权益比ALLYSPGI
| Q4 25 | 1.10× | 0.42× | ||
| Q3 25 | 1.11× | 0.34× | ||
| Q2 25 | 1.09× | 0.34× | ||
| Q1 25 | 1.16× | 0.34× | ||
| Q4 24 | 1.26× | 0.34× | ||
| Q3 24 | 1.14× | 0.34× | ||
| Q2 24 | 1.15× | 0.33× | ||
| Q1 24 | 1.25× | 0.34× |
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 | $1.7B |
| 自由现金流经营现金流 - 资本支出 | — | $1.7B |
| 自由现金流率自由现金流/营收 | — | 43.5% |
| 资本支出强度资本支出/营收 | — | 1.2% |
| 现金转化率经营现金流/净利润 | 1.96× | 1.54× |
| 过去12个月自由现金流最近4个季度 | — | $5.5B |
8季度趋势，按日历期对齐
经营现金流ALLYSPGI
| Q4 25 | $640.0M | $1.7B | ||
| Q3 25 | $1.2B | $1.5B | ||
| Q2 25 | $947.0M | $1.4B | ||
| Q1 25 | $940.0M | $953.0M | ||
| Q4 24 | $620.0M | $1.7B | ||
| Q3 24 | $992.0M | $1.4B | ||
| Q2 24 | $1.6B | $1.6B | ||
| Q1 24 | $1.3B | $948.0M |
自由现金流ALLYSPGI
| Q4 25 | — | $1.7B | ||
| Q3 25 | — | $1.5B | ||
| Q2 25 | — | $1.4B | ||
| Q1 25 | — | $910.0M | ||
| Q4 24 | — | $1.7B | ||
| Q3 24 | — | $1.4B | ||
| Q2 24 | — | $1.5B | ||
| Q1 24 | — | $924.0M |
自由现金流率ALLYSPGI
| Q4 25 | — | 43.5% | ||
| Q3 25 | — | 37.6% | ||
| Q2 25 | — | 36.9% | ||
| Q1 25 | — | 24.1% | ||
| Q4 24 | — | 47.5% | ||
| Q3 24 | — | 39.4% | ||
| Q2 24 | — | 42.9% | ||
| Q1 24 | — | 26.5% |
资本支出强度ALLYSPGI
| Q4 25 | — | 1.2% | ||
| Q3 25 | — | 1.2% | ||
| Q2 25 | — | 1.6% | ||
| Q1 25 | — | 1.1% | ||
| Q4 24 | — | 0.9% | ||
| Q3 24 | — | 1.0% | ||
| Q2 24 | — | 0.9% | ||
| Q1 24 | — | 0.7% |
现金转化率ALLYSPGI
| Q4 25 | 1.96× | 1.54× | ||
| Q3 25 | 3.02× | 1.28× | ||
| Q2 25 | 2.69× | 1.35× | ||
| Q1 25 | — | 0.87× | ||
| Q4 24 | — | 1.98× | ||
| Q3 24 | 2.78× | 1.49× | ||
| Q2 24 | 5.36× | 1.54× | ||
| Q1 24 | 8.54× | 0.96× |
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% |
SPGI
| Subscription | $1.1B | 27% |
| Other | $706.0M | 18% |
| Non Transaction | $602.0M | 15% |
| Indices Segment | $495.0M | 13% |
| Mobility Segment | $444.0M | 11% |
| Asset Linked Fees | $329.0M | 8% |
| Recurring Variable Revenue | $157.0M | 4% |
| Related Party | $46.0M | 1% |
| Non Subscription Transaction | $45.0M | 1% |
| Sales Usage Based Royalties | $30.0M | 1% |
