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Ally Financial Inc.（ALLY）与Truist Financial（TFC）财务数据对比。点击上方公司名可切换其他公司
Truist Financial的季度营收约是Ally Financial Inc.的12.3倍（$3.7B vs $301.0M）。Ally Financial Inc.净利率更高（108.6% vs 36.6%，领先72.0%）。Truist Financial同比增速更快（3.1% vs -3.2%）。过去两年Ally Financial Inc.的营收复合增速更高（11.1% vs 4.8%）
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。
Truist Financial是美国银行控股公司，总部位于北卡罗来纳州夏洛特，2019年12月由BB&T与SunTrust合并组建。旗下银行在15个州及华盛顿特区共运营1928家网点，提供零售、商业、投资银行、证券经纪、资产管理、抵押贷款、保险等多元金融产品服务，为美国第十大银行，总资产达5230亿美元。
ALLY vs TFC — 直观对比
营收规模更大
TFC
是对方的12.3倍
$301.0M
营收增速更快
TFC
高出6.3%
-3.2%
净利率更高
ALLY
高出72.0%
36.6%
两年增速更快
ALLY
近两年复合增速
4.8%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $301.0M | $3.7B |
| 净利润 | $327.0M | $1.4B |
| 毛利率 | — | — |
| 营业利润率 | — | 42.3% |
| 净利率 | 108.6% | 36.6% |
| 营收同比 | -3.2% | 3.1% |
| 净利润同比 | 333.6% | 6.1% |
| 每股收益（稀释后） | $0.97 | $1.01 |
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ALLYTFC
| Q4 25 | $301.0M | $3.7B | ||
| Q3 25 | $308.0M | $3.6B | ||
| Q2 25 | $312.0M | $3.6B | ||
| Q1 25 | $323.0M | $3.5B | ||
| Q4 24 | $311.0M | $3.6B | ||
| Q3 24 | $319.0M | $3.6B | ||
| Q2 24 | $324.0M | $3.5B | ||
| Q1 24 | $244.0M | $3.4B |
净利润ALLYTFC
| Q4 25 | $327.0M | $1.4B | ||
| Q3 25 | $398.0M | $1.5B | ||
| Q2 25 | $352.0M | $1.2B | ||
| Q1 25 | $-225.0M | $1.3B | ||
| Q4 24 | $-140.0M | $1.3B | ||
| Q3 24 | $357.0M | $1.4B | ||
| Q2 24 | $294.0M | $922.0M | ||
| Q1 24 | $157.0M | $1.2B |
营业利润率ALLYTFC
| Q4 25 | — | 42.3% | ||
| Q3 25 | — | 47.9% | ||
| Q2 25 | — | 42.2% | ||
| Q1 25 | -87.9% | 43.8% | ||
| Q4 24 | 56.3% | 43.3% | ||
| Q3 24 | 73.0% | 47.5% | ||
| Q2 24 | 79.3% | -148.3% | ||
| Q1 24 | 70.1% | 40.5% |
净利率ALLYTFC
| Q4 25 | 108.6% | 36.6% | ||
| Q3 25 | 129.2% | 40.0% | ||
| Q2 25 | 112.8% | 34.6% | ||
| Q1 25 | -69.7% | 36.0% | ||
| Q4 24 | -45.0% | 35.5% | ||
| Q3 24 | 111.9% | 40.0% | ||
| Q2 24 | 90.7% | 26.1% | ||
| Q1 24 | 64.3% | 35.6% |
每股收益（稀释后）ALLYTFC
| Q4 25 | $0.97 | $1.01 | ||
| Q3 25 | $1.18 | $1.04 | ||
| Q2 25 | $1.04 | $0.90 | ||
| Q1 25 | $-0.82 | $0.87 | ||
| Q4 24 | $-0.54 | $0.94 | ||
| Q3 24 | $1.06 | $0.99 | ||
| Q2 24 | $0.86 | $0.62 | ||
| Q1 24 | $0.42 | $0.81 |
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 | $42.0B |
| 股东权益账面价值 | $15.5B | $65.2B |
| 总资产 | $196.0B | $547.5B |
| 负债/权益比越低杠杆越低 | 1.10× | 0.64× |
8季度趋势，按日历期对齐
现金及短期投资ALLYTFC
| 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ALLYTFC
| Q4 25 | $17.1B | $42.0B | ||
| Q3 25 | $16.7B | $41.7B | ||
| Q2 25 | $15.9B | $44.4B | ||
| Q1 25 | $16.5B | $32.0B | ||
| Q4 24 | $17.5B | $35.0B | ||
| Q3 24 | $16.8B | $36.8B | ||
| Q2 24 | $16.0B | $34.6B | ||
| Q1 24 | $17.0B | $39.1B |
股东权益ALLYTFC
| Q4 25 | $15.5B | $65.2B | ||
| Q3 25 | $15.1B | $65.6B | ||
| Q2 25 | $14.5B | $64.8B | ||
| Q1 25 | $14.2B | $64.6B | ||
| Q4 24 | $13.9B | $63.7B | ||
| Q3 24 | $14.7B | $65.7B | ||
| Q2 24 | $13.9B | $63.8B | ||
| Q1 24 | $13.7B | $59.1B |
总资产ALLYTFC
| Q4 25 | $196.0B | $547.5B | ||
| Q3 25 | $191.7B | $543.9B | ||
| Q2 25 | $189.5B | $543.8B | ||
| Q1 25 | $193.3B | $535.9B | ||
| Q4 24 | $191.8B | $531.2B | ||
| Q3 24 | $193.0B | $523.4B | ||
| Q2 24 | $192.5B | $519.9B | ||
| Q1 24 | $192.9B | $535.0B |
负债/权益比ALLYTFC
| Q4 25 | 1.10× | 0.64× | ||
| Q3 25 | 1.11× | 0.64× | ||
| Q2 25 | 1.09× | 0.69× | ||
| Q1 25 | 1.16× | 0.50× | ||
| Q4 24 | 1.26× | 0.55× | ||
| Q3 24 | 1.14× | 0.56× | ||
| Q2 24 | 1.15× | 0.54× | ||
| Q1 24 | 1.25× | 0.66× |
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 | $2.6B |
| 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× | 1.91× |
| 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ALLYTFC
| Q4 25 | $640.0M | $2.6B | ||
| Q3 25 | $1.2B | $1.5B | ||
| Q2 25 | $947.0M | $914.0M | ||
| Q1 25 | $940.0M | $746.0M | ||
| Q4 24 | $620.0M | $775.0M | ||
| Q3 24 | $992.0M | $1.5B | ||
| Q2 24 | $1.6B | $845.0M | ||
| Q1 24 | $1.3B | $-990.0M |
现金转化率ALLYTFC
| Q4 25 | 1.96× | 1.91× | ||
| Q3 25 | 3.02× | 1.03× | ||
| Q2 25 | 2.69× | 0.74× | ||
| Q1 25 | — | 0.59× | ||
| Q4 24 | — | 0.61× | ||
| Q3 24 | 2.78× | 1.06× | ||
| Q2 24 | 5.36× | 0.92× | ||
| Q1 24 | 8.54× | -0.82× |
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% |
TFC
暂无分部数据
