vs
Ally Financial Inc.（ALLY）与Tecnoglass Inc.（TGLS）财务数据对比。点击上方公司名可切换其他公司
Ally Financial Inc.的季度营收约是Tecnoglass Inc.的1.2倍（$301.0M vs $245.3M），Ally Financial Inc.净利率更高（108.6% vs 10.6%，领先98.0%），Tecnoglass Inc.同比增速更快（2.4% vs -3.2%），过去两年Tecnoglass Inc.的营收复合增速更高（12.8% 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。
Tecnoglass Inc.是一家领先的建筑玻璃、铝制门窗及相关建材生产商，主要服务北美及拉美地区的住宅和商业建筑领域，为新建及翻新项目提供定制化、高能效的建筑解决方案。
ALLY vs TGLS — 直观对比
营收规模更大
ALLY
是对方的1.2倍
$245.3M
营收增速更快
TGLS
高出5.6%
-3.2%
净利率更高
ALLY
高出98.0%
10.6%
两年增速更快
TGLS
近两年复合增速
11.1%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $301.0M | $245.3M |
| 净利润 | $327.0M | $26.1M |
| 毛利率 | — | 40.0% |
| 营业利润率 | — | 18.3% |
| 净利率 | 108.6% | 10.6% |
| 营收同比 | -3.2% | 2.4% |
| 净利润同比 | 333.6% | -44.5% |
| 每股收益（稀释后） | $0.97 | $0.57 |
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ALLYTGLS
| Q4 25 | $301.0M | $245.3M | ||
| Q3 25 | $308.0M | $260.5M | ||
| Q2 25 | $312.0M | $255.5M | ||
| Q1 25 | $323.0M | $222.3M | ||
| Q4 24 | $311.0M | $239.6M | ||
| Q3 24 | $319.0M | $238.3M | ||
| Q2 24 | $324.0M | $219.7M | ||
| Q1 24 | $244.0M | $192.6M |
净利润ALLYTGLS
| Q4 25 | $327.0M | $26.1M | ||
| Q3 25 | $398.0M | $47.2M | ||
| Q2 25 | $352.0M | $44.1M | ||
| Q1 25 | $-225.0M | $42.2M | ||
| Q4 24 | $-140.0M | $47.0M | ||
| Q3 24 | $357.0M | $49.5M | ||
| Q2 24 | $294.0M | $35.0M | ||
| Q1 24 | $157.0M | $29.7M |
毛利率ALLYTGLS
| Q4 25 | — | 40.0% | ||
| Q3 25 | — | 42.7% | ||
| Q2 25 | — | 44.7% | ||
| Q1 25 | — | 43.9% | ||
| Q4 24 | — | 44.5% | ||
| Q3 24 | — | 45.8% | ||
| Q2 24 | — | 40.8% | ||
| Q1 24 | — | 38.8% |
营业利润率ALLYTGLS
| Q4 25 | — | 18.3% | ||
| Q3 25 | — | 25.1% | ||
| Q2 25 | — | 24.0% | ||
| Q1 25 | -87.9% | 26.7% | ||
| Q4 24 | 56.3% | 28.0% | ||
| Q3 24 | 73.0% | 28.4% | ||
| Q2 24 | 79.3% | 23.3% | ||
| Q1 24 | 70.1% | 21.3% |
净利率ALLYTGLS
| Q4 25 | 108.6% | 10.6% | ||
| Q3 25 | 129.2% | 18.1% | ||
| Q2 25 | 112.8% | 17.3% | ||
| Q1 25 | -69.7% | 19.0% | ||
| Q4 24 | -45.0% | 19.6% | ||
| Q3 24 | 111.9% | 20.8% | ||
| Q2 24 | 90.7% | 15.9% | ||
| Q1 24 | 64.3% | 15.4% |
每股收益（稀释后）ALLYTGLS
| Q4 25 | $0.97 | $0.57 | ||
| Q3 25 | $1.18 | $1.01 | ||
| Q2 25 | $1.04 | $0.94 | ||
| Q1 25 | $-0.82 | $0.90 | ||
| Q4 24 | $-0.54 | $1.00 | ||
| Q3 24 | $1.06 | $1.05 | ||
| Q2 24 | $0.86 | $0.75 | ||
| Q1 24 | $0.42 | $0.63 |
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 | $104.1M |
| 总债务越低越好 | $17.1B | $174.4M |
| 股东权益账面价值 | $15.5B | $713.1M |
| 总资产 | $196.0B | $1.3B |
| 负债/权益比越低杠杆越低 | 1.10× | 0.24× |
8季度趋势，按日历期对齐
现金及短期投资ALLYTGLS
| Q4 25 | $10.0B | $104.1M | ||
| Q3 25 | $10.2B | $127.1M | ||
| Q2 25 | $10.6B | $140.9M | ||
| Q1 25 | $10.4B | $160.2M | ||
| Q4 24 | $10.3B | $137.5M | ||
| Q3 24 | $8.6B | $124.8M | ||
| Q2 24 | $7.4B | $129.5M | ||
| Q1 24 | $8.2B | $138.8M |
总债务ALLYTGLS
| Q4 25 | $17.1B | $174.4M | ||
| Q3 25 | $16.7B | $114.7M | ||
| Q2 25 | $15.9B | $110.6M | ||
| Q1 25 | $16.5B | $110.6M | ||
| Q4 24 | $17.5B | $111.1M | ||
| Q3 24 | $16.8B | $126.8M | ||
| Q2 24 | $16.0B | $144.7M | ||
| Q1 24 | $17.0B | $160.9M |
股东权益ALLYTGLS
| Q4 25 | $15.5B | $713.1M | ||
| Q3 25 | $15.1B | $764.0M | ||
| Q2 25 | $14.5B | $736.0M | ||
| Q1 25 | $14.2B | $685.1M | ||
| Q4 24 | $13.9B | $631.2M | ||
| Q3 24 | $14.7B | $613.3M | ||
| Q2 24 | $13.9B | $574.8M | ||
| Q1 24 | $13.7B | $573.6M |
总资产ALLYTGLS
| Q4 25 | $196.0B | $1.3B | ||
| Q3 25 | $191.7B | $1.2B | ||
| Q2 25 | $189.5B | $1.2B | ||
| Q1 25 | $193.3B | $1.1B | ||
| Q4 24 | $191.8B | $1.0B | ||
| Q3 24 | $193.0B | $996.3M | ||
| Q2 24 | $192.5B | $942.5M | ||
| Q1 24 | $192.9B | $981.6M |
负债/权益比ALLYTGLS
| Q4 25 | 1.10× | 0.24× | ||
| Q3 25 | 1.11× | 0.15× | ||
| Q2 25 | 1.09× | 0.15× | ||
| Q1 25 | 1.16× | 0.16× | ||
| Q4 24 | 1.26× | 0.18× | ||
| Q3 24 | 1.14× | 0.21× | ||
| Q2 24 | 1.15× | 0.25× | ||
| Q1 24 | 1.25× | 0.28× |
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 | $31.0M |
| 自由现金流经营现金流 - 资本支出 | — | $11.4M |
| 自由现金流率自由现金流/营收 | — | 4.7% |
| 资本支出强度资本支出/营收 | — | 8.0% |
| 现金转化率经营现金流/净利润 | 1.96× | 1.19× |
| 过去12个月自由现金流最近4个季度 | — | $34.5M |
8季度趋势，按日历期对齐
经营现金流ALLYTGLS
| Q4 25 | $640.0M | $31.0M | ||
| Q3 25 | $1.2B | $40.0M | ||
| Q2 25 | $947.0M | $17.9M | ||
| Q1 25 | $940.0M | $46.9M | ||
| Q4 24 | $620.0M | $61.1M | ||
| Q3 24 | $992.0M | $41.5M | ||
| Q2 24 | $1.6B | $34.5M | ||
| Q1 24 | $1.3B | $33.4M |
自由现金流ALLYTGLS
| Q4 25 | — | $11.4M | ||
| Q3 25 | — | $21.2M | ||
| Q2 25 | — | $-14.7M | ||
| Q1 25 | — | $16.5M | ||
| Q4 24 | — | $35.4M | ||
| Q3 24 | — | $17.8M | ||
| Q2 24 | — | $14.2M | ||
| Q1 24 | — | $23.6M |
自由现金流率ALLYTGLS
| Q4 25 | — | 4.7% | ||
| Q3 25 | — | 8.2% | ||
| Q2 25 | — | -5.7% | ||
| Q1 25 | — | 7.4% | ||
| Q4 24 | — | 14.8% | ||
| Q3 24 | — | 7.5% | ||
| Q2 24 | — | 6.5% | ||
| Q1 24 | — | 12.2% |
资本支出强度ALLYTGLS
| Q4 25 | — | 8.0% | ||
| Q3 25 | — | 7.2% | ||
| Q2 25 | — | 12.7% | ||
| Q1 25 | — | 13.7% | ||
| Q4 24 | — | 10.7% | ||
| Q3 24 | — | 9.9% | ||
| Q2 24 | — | 9.2% | ||
| Q1 24 | — | 5.1% |
现金转化率ALLYTGLS
| Q4 25 | 1.96× | 1.19× | ||
| Q3 25 | 3.02× | 0.85× | ||
| Q2 25 | 2.69× | 0.41× | ||
| Q1 25 | — | 1.11× | ||
| Q4 24 | — | 1.30× | ||
| Q3 24 | 2.78× | 0.84× | ||
| Q2 24 | 5.36× | 0.98× | ||
| Q1 24 | 8.54× | 1.13× |
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% |
TGLS
| Product Sales | $164.2M | 67% |
| Fixed Price Contracts | $81.1M | 33% |
| Related Party | $692.0K | 0% |
