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Ally Financial Inc.（ALLY）与SouthState Bank Corp（SSB）财务数据对比。点击上方公司名可切换其他公司
SouthState Bank Corp的季度营收约是Ally Financial Inc.的2.2倍（$661.7M vs $301.0M）。Ally Financial Inc.净利率更高（108.6% vs 34.1%，领先74.5%）。过去两年SouthState Bank Corp的营收复合增速更高（37.4% vs 11.1%）
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。
SouthState Bank总部位于美国佛罗里达州温特黑文，是银行控股公司SouthState Corporation旗下的银行子公司。截至2025年5月26日，该行已在南卡罗来纳、北卡罗来纳、佐治亚、佛罗里达、阿拉巴马、弗吉尼亚、科罗拉多、得克萨斯八州设有371家营业网点，为当地客户提供各类银行金融服务。
ALLY vs SSB — 直观对比
营收规模更大
SSB
是对方的2.2倍
$301.0M
净利率更高
ALLY
高出74.5%
34.1%
两年增速更快
SSB
近两年复合增速
11.1%
损益表 — Q4 2025 vs Q1 2026
| 指标 | | |
|---|---|---|
| 营收 | $301.0M | $661.7M |
| 净利润 | $327.0M | $225.8M |
| 毛利率 | — | — |
| 营业利润率 | — | 15.1% |
| 净利率 | 108.6% | 34.1% |
| 营收同比 | -3.2% | — |
| 净利润同比 | 333.6% | 153.5% |
| 每股收益（稀释后） | $0.97 | $2.28 |
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ALLYSSB
| Q1 26 | — | $661.7M | ||
| Q4 25 | $301.0M | $581.1M | ||
| Q3 25 | $308.0M | $599.7M | ||
| Q2 25 | $312.0M | $577.9M | ||
| Q1 25 | $323.0M | $544.5M | ||
| Q4 24 | $311.0M | $369.8M | ||
| Q3 24 | $319.0M | $351.5M | ||
| Q2 24 | $324.0M | $350.3M |
净利润ALLYSSB
| Q1 26 | — | $225.8M | ||
| Q4 25 | $327.0M | $247.7M | ||
| Q3 25 | $398.0M | $246.6M | ||
| Q2 25 | $352.0M | $215.2M | ||
| Q1 25 | $-225.0M | $89.1M | ||
| Q4 24 | $-140.0M | $144.2M | ||
| Q3 24 | $357.0M | $143.2M | ||
| Q2 24 | $294.0M | $132.4M |
营业利润率ALLYSSB
| Q1 26 | — | 15.1% | ||
| Q4 25 | — | 54.3% | ||
| Q3 25 | — | 53.6% | ||
| Q2 25 | — | 48.8% | ||
| Q1 25 | -87.9% | 22.3% | ||
| Q4 24 | 56.3% | 50.7% | ||
| Q3 24 | 73.0% | 53.1% | ||
| Q2 24 | 79.3% | 49.3% |
净利率ALLYSSB
| Q1 26 | — | 34.1% | ||
| Q4 25 | 108.6% | 42.6% | ||
| Q3 25 | 129.2% | 41.1% | ||
| Q2 25 | 112.8% | 37.2% | ||
| Q1 25 | -69.7% | 16.4% | ||
| Q4 24 | -45.0% | 39.0% | ||
| Q3 24 | 111.9% | 40.7% | ||
| Q2 24 | 90.7% | 37.8% |
每股收益（稀释后）ALLYSSB
| Q1 26 | — | $2.28 | ||
| Q4 25 | $0.97 | $2.47 | ||
| Q3 25 | $1.18 | $2.42 | ||
| Q2 25 | $1.04 | $2.11 | ||
| Q1 25 | $-0.82 | $0.87 | ||
| Q4 24 | $-0.54 | $1.88 | ||
| Q3 24 | $1.06 | $1.86 | ||
| Q2 24 | $0.86 | $1.73 |
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 | $2.9B |
| 总债务越低越好 | $17.1B | — |
| 股东权益账面价值 | $15.5B | $9.0B |
| 总资产 | $196.0B | $68.0B |
| 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ALLYSSB
| Q1 26 | — | $2.9B | ||
| Q4 25 | $10.0B | — | ||
| Q3 25 | $10.2B | — | ||
| Q2 25 | $10.6B | — | ||
| Q1 25 | $10.4B | — | ||
| Q4 24 | $10.3B | — | ||
| Q3 24 | $8.6B | — | ||
| Q2 24 | $7.4B | — |
总债务ALLYSSB
| Q1 26 | — | — | ||
| 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 | — |
股东权益ALLYSSB
| Q1 26 | — | $9.0B | ||
| Q4 25 | $15.5B | $9.1B | ||
| Q3 25 | $15.1B | $9.0B | ||
| Q2 25 | $14.5B | $8.8B | ||
| Q1 25 | $14.2B | $8.6B | ||
| Q4 24 | $13.9B | $5.9B | ||
| Q3 24 | $14.7B | $5.9B | ||
| Q2 24 | $13.9B | $5.7B |
总资产ALLYSSB
| Q1 26 | — | $68.0B | ||
| Q4 25 | $196.0B | $67.2B | ||
| Q3 25 | $191.7B | $66.0B | ||
| Q2 25 | $189.5B | $65.9B | ||
| Q1 25 | $193.3B | $65.1B | ||
| Q4 24 | $191.8B | $46.4B | ||
| Q3 24 | $193.0B | $46.1B | ||
| Q2 24 | $192.5B | $45.5B |
负债/权益比ALLYSSB
| Q1 26 | — | — | ||
| 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× | — |
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 | — |
| 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ALLYSSB
| Q1 26 | — | — | ||
| Q4 25 | $640.0M | $232.1M | ||
| Q3 25 | $1.2B | $122.4M | ||
| Q2 25 | $947.0M | $72.6M | ||
| Q1 25 | $940.0M | $-126.3M | ||
| Q4 24 | $620.0M | $354.3M | ||
| Q3 24 | $992.0M | $-246.8M | ||
| Q2 24 | $1.6B | $126.8M |
自由现金流ALLYSSB
| Q1 26 | — | — | ||
| Q4 25 | — | $215.5M | ||
| Q3 25 | — | $101.7M | ||
| Q2 25 | — | $52.5M | ||
| Q1 25 | — | $-139.1M | ||
| Q4 24 | — | $340.9M | ||
| Q3 24 | — | $-254.2M | ||
| Q2 24 | — | $117.3M |
自由现金流率ALLYSSB
| Q1 26 | — | — | ||
| Q4 25 | — | 37.1% | ||
| Q3 25 | — | 17.0% | ||
| Q2 25 | — | 9.1% | ||
| Q1 25 | — | -25.5% | ||
| Q4 24 | — | 92.2% | ||
| Q3 24 | — | -72.3% | ||
| Q2 24 | — | 33.5% |
资本支出强度ALLYSSB
| Q1 26 | — | — | ||
| Q4 25 | — | 2.9% | ||
| Q3 25 | — | 3.5% | ||
| Q2 25 | — | 3.5% | ||
| Q1 25 | — | 2.4% | ||
| Q4 24 | — | 3.6% | ||
| Q3 24 | — | 2.1% | ||
| Q2 24 | — | 2.7% |
现金转化率ALLYSSB
| Q1 26 | — | — | ||
| Q4 25 | 1.96× | 0.94× | ||
| Q3 25 | 3.02× | 0.50× | ||
| Q2 25 | 2.69× | 0.34× | ||
| Q1 25 | — | -1.42× | ||
| Q4 24 | — | 2.46× | ||
| Q3 24 | 2.78× | -1.72× | ||
| Q2 24 | 5.36× | 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% |
SSB
| Net Interest Income | $561.6M | 85% |
| Noninterest Income | $100.1M | 15% |
