vs
Ally Financial Inc.（ALLY）与道富集团（STT）财务数据对比。点击上方公司名可切换其他公司
道富集团的季度营收约是Ally Financial Inc.的12.2倍（$3.7B vs $301.0M）。Ally Financial Inc.净利率更高（108.6% vs 20.4%，领先88.3%）。道富集团同比增速更快（7.5% vs -3.2%）。过去两年Ally Financial Inc.的营收复合增速更高（11.1% vs 8.1%）
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。
道富集团是总部位于美国波士顿的跨国金融服务及银行控股公司，历史可追溯至1792年成立的联合银行，是美国运营历史第二悠久的存续银行。作为全球顶尖的资产管理与托管机构，截至2025年第三季度，其管理资产规模约5.4万亿美元，托管及管理资产总规模达51.7万亿美元。
ALLY vs STT — 直观对比
营收规模更大
STT
是对方的12.2倍
$301.0M
营收增速更快
STT
高出10.7%
-3.2%
净利率更高
ALLY
高出88.3%
20.4%
两年增速更快
ALLY
近两年复合增速
8.1%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $301.0M | $3.7B |
| 净利润 | $327.0M | $747.0M |
| 毛利率 | — | — |
| 营业利润率 | — | 25.0% |
| 净利率 | 108.6% | 20.4% |
| 营收同比 | -3.2% | 7.5% |
| 净利润同比 | 333.6% | -4.6% |
| 每股收益（稀释后） | $0.97 | $2.41 |
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ALLYSTT
| Q4 25 | $301.0M | $3.7B | ||
| Q3 25 | $308.0M | $3.5B | ||
| Q2 25 | $312.0M | $3.4B | ||
| Q1 25 | $323.0M | $3.3B | ||
| Q4 24 | $311.0M | $3.4B | ||
| Q3 24 | $319.0M | $3.3B | ||
| Q2 24 | $324.0M | $3.2B | ||
| Q1 24 | $244.0M | $3.1B |
净利润ALLYSTT
| Q4 25 | $327.0M | $747.0M | ||
| Q3 25 | $398.0M | $861.0M | ||
| Q2 25 | $352.0M | $693.0M | ||
| Q1 25 | $-225.0M | $644.0M | ||
| Q4 24 | $-140.0M | $783.0M | ||
| Q3 24 | $357.0M | $730.0M | ||
| Q2 24 | $294.0M | $711.0M | ||
| Q1 24 | $157.0M | $463.0M |
营业利润率ALLYSTT
| Q4 25 | — | 25.0% | ||
| Q3 25 | — | 31.1% | ||
| Q2 25 | — | 25.8% | ||
| Q1 25 | -87.9% | 25.0% | ||
| Q4 24 | 56.3% | 28.1% | ||
| Q3 24 | 73.0% | 28.4% | ||
| Q2 24 | 79.3% | 28.6% | ||
| Q1 24 | 70.1% | 19.1% |
净利率ALLYSTT
| Q4 25 | 108.6% | 20.4% | ||
| Q3 25 | 129.2% | 24.3% | ||
| Q2 25 | 112.8% | 20.1% | ||
| Q1 25 | -69.7% | 19.6% | ||
| Q4 24 | -45.0% | 22.9% | ||
| Q3 24 | 111.9% | 22.4% | ||
| Q2 24 | 90.7% | 22.3% | ||
| Q1 24 | 64.3% | 14.8% |
每股收益（稀释后）ALLYSTT
| Q4 25 | $0.97 | $2.41 | ||
| Q3 25 | $1.18 | $2.78 | ||
| Q2 25 | $1.04 | $2.17 | ||
| Q1 25 | $-0.82 | $2.04 | ||
| Q4 24 | $-0.54 | $2.43 | ||
| Q3 24 | $1.06 | $2.26 | ||
| Q2 24 | $0.86 | $2.15 | ||
| Q1 24 | $0.42 | $1.37 |
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 | — |
| 总债务越低越好 | $17.1B | — |
| 股东权益账面价值 | $15.5B | $27.8B |
| 总资产 | $196.0B | $366.0B |
| 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ALLYSTT
| 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 | — | ||
| Q1 24 | $8.2B | — |
总债务ALLYSTT
| 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ALLYSTT
| Q4 25 | $15.5B | $27.8B | ||
| Q3 25 | $15.1B | $27.6B | ||
| Q2 25 | $14.5B | $27.3B | ||
| Q1 25 | $14.2B | $26.7B | ||
| Q4 24 | $13.9B | $25.3B | ||
| Q3 24 | $14.7B | $25.8B | ||
| Q2 24 | $13.9B | $24.8B | ||
| Q1 24 | $13.7B | $24.4B |
总资产ALLYSTT
| Q4 25 | $196.0B | $366.0B | ||
| Q3 25 | $191.7B | $371.1B | ||
| Q2 25 | $189.5B | $376.7B | ||
| Q1 25 | $193.3B | $372.7B | ||
| Q4 24 | $191.8B | $353.2B | ||
| Q3 24 | $193.0B | $338.5B | ||
| Q2 24 | $192.5B | $325.6B | ||
| Q1 24 | $192.9B | $338.0B |
负债/权益比ALLYSTT
| 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 | $10.0B |
| 自由现金流经营现金流 - 资本支出 | — | $9.8B |
| 自由现金流率自由现金流/营收 | — | 266.6% |
| 资本支出强度资本支出/营收 | — | 7.3% |
| 现金转化率经营现金流/净利润 | 1.96× | 13.44× |
| 过去12个月自由现金流最近4个季度 | — | $10.8B |
8季度趋势，按日历期对齐
经营现金流ALLYSTT
| Q4 25 | $640.0M | $10.0B | ||
| Q3 25 | $1.2B | $7.9B | ||
| Q2 25 | $947.0M | $-8.4B | ||
| Q1 25 | $940.0M | $2.4B | ||
| Q4 24 | $620.0M | $-7.4B | ||
| Q3 24 | $992.0M | $2.7B | ||
| Q2 24 | $1.6B | $-7.6B | ||
| Q1 24 | $1.3B | $-844.0M |
自由现金流ALLYSTT
| Q4 25 | — | $9.8B | ||
| Q3 25 | — | $7.7B | ||
| Q2 25 | — | $-8.8B | ||
| Q1 25 | — | $2.2B | ||
| Q4 24 | — | $-7.7B | ||
| Q3 24 | — | $2.5B | ||
| Q2 24 | — | $-7.9B | ||
| Q1 24 | — | $-1.1B |
自由现金流率ALLYSTT
| Q4 25 | — | 266.6% | ||
| Q3 25 | — | 216.0% | ||
| Q2 25 | — | -254.1% | ||
| Q1 25 | — | 66.1% | ||
| Q4 24 | — | -225.1% | ||
| Q3 24 | — | 75.9% | ||
| Q2 24 | — | -246.2% | ||
| Q1 24 | — | -34.2% |
资本支出强度ALLYSTT
| Q4 25 | — | 7.3% | ||
| Q3 25 | — | 6.9% | ||
| Q2 25 | — | 9.3% | ||
| Q1 25 | — | 6.9% | ||
| Q4 24 | — | 7.3% | ||
| Q3 24 | — | 7.2% | ||
| Q2 24 | — | 6.7% | ||
| Q1 24 | — | 7.3% |
现金转化率ALLYSTT
| Q4 25 | 1.96× | 13.44× | ||
| Q3 25 | 3.02× | 9.18× | ||
| Q2 25 | 2.69× | -12.18× | ||
| Q1 25 | — | 3.72× | ||
| Q4 24 | — | -9.49× | ||
| Q3 24 | 2.78× | 3.71× | ||
| Q2 24 | 5.36× | -10.75× | ||
| Q1 24 | 8.54× | -1.82× |
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% |
STT
| Other | $2.1B | 56% |
| Investment Management | $729.0M | 20% |
| Management Services | $662.0M | 18% |
| Foreign Exchange Trading Services | $102.0M | 3% |
| Other Fee Revenue | $56.0M | 2% |
| Securities Financing Services | $54.0M | 1% |
