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Ally Financial Inc.（ALLY）与UNITED COMMUNITY BANKS INC（UCB）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UNITED COMMUNITY BANKS INC的1.1倍（$301.0M vs $276.5M）。Ally Financial Inc.净利率更高（108.6% vs 30.5%，领先78.2%）。UNITED COMMUNITY BANKS INC同比增速更快（11.6% vs -3.2%）。过去两年Ally Financial Inc.的营收复合增速更高（11.1% vs 8.9%）
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。
联合社区银行是美国的金融机构，为美国东南部规模领先的全服务金融机构之一，总资产达277亿美元，在阿拉巴马州、佛罗里达州、佐治亚州、北卡罗来纳州、南卡罗来纳州和田纳西州设有200个营业网点，同时也是总部位于南卡罗来纳州的总资产规模最大的银行。
ALLY vs UCB — 直观对比
营收规模更大
ALLY
是对方的1.1倍
$276.5M
营收增速更快
UCB
高出14.9%
-3.2%
净利率更高
ALLY
高出78.2%
30.5%
两年增速更快
ALLY
近两年复合增速
8.9%
损益表 — Q4 2025 vs Q1 2026
| 指标 | | |
|---|---|---|
| 营收 | $301.0M | $276.5M |
| 净利润 | $327.0M | $84.3M |
| 毛利率 | — | — |
| 营业利润率 | — | — |
| 净利率 | 108.6% | 30.5% |
| 营收同比 | -3.2% | 11.6% |
| 净利润同比 | 333.6% | 18.0% |
| 每股收益（稀释后） | $0.97 | $0.69 |
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ALLYUCB
| Q1 26 | — | $276.5M | ||
| Q4 25 | $301.0M | $278.4M | ||
| Q3 25 | $308.0M | $276.8M | ||
| Q2 25 | $312.0M | $260.2M | ||
| Q1 25 | $323.0M | $247.7M | ||
| Q4 24 | $311.0M | $239.5M | ||
| Q3 24 | $319.0M | $202.8M | ||
| Q2 24 | $324.0M | $233.0M |
净利润ALLYUCB
| Q1 26 | — | $84.3M | ||
| Q4 25 | $327.0M | $86.5M | ||
| Q3 25 | $398.0M | $91.5M | ||
| Q2 25 | $352.0M | $78.7M | ||
| Q1 25 | $-225.0M | $71.4M | ||
| Q4 24 | $-140.0M | $75.8M | ||
| Q3 24 | $357.0M | $47.3M | ||
| Q2 24 | $294.0M | $66.6M |
营业利润率ALLYUCB
| Q1 26 | — | — | ||
| Q4 25 | — | 40.5% | ||
| Q3 25 | — | 42.6% | ||
| Q2 25 | — | 38.6% | ||
| Q1 25 | -87.9% | 36.8% | ||
| Q4 24 | 56.3% | 40.3% | ||
| Q3 24 | 73.0% | 29.5% | ||
| Q2 24 | 79.3% | 36.9% |
净利率ALLYUCB
| Q1 26 | — | 30.5% | ||
| Q4 25 | 108.6% | 31.1% | ||
| Q3 25 | 129.2% | 33.0% | ||
| Q2 25 | 112.8% | 30.3% | ||
| Q1 25 | -69.7% | 28.8% | ||
| Q4 24 | -45.0% | 31.7% | ||
| Q3 24 | 111.9% | 23.3% | ||
| Q2 24 | 90.7% | 28.6% |
每股收益（稀释后）ALLYUCB
| Q1 26 | — | $0.69 | ||
| Q4 25 | $0.97 | $0.71 | ||
| Q3 25 | $1.18 | $0.70 | ||
| Q2 25 | $1.04 | $0.63 | ||
| Q1 25 | $-0.82 | $0.58 | ||
| Q4 24 | $-0.54 | $0.61 | ||
| Q3 24 | $1.06 | $0.38 | ||
| Q2 24 | $0.86 | $0.54 |
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 | $493.1M |
| 总债务越低越好 | $17.1B | $205.5M |
| 股东权益账面价值 | $15.5B | $3.7B |
| 总资产 | $196.0B | $28.2M |
| 负债/权益比越低杠杆越低 | 1.10× | 0.06× |
8季度趋势，按日历期对齐
现金及短期投资ALLYUCB
| Q1 26 | — | $493.1M | ||
| 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ALLYUCB
| Q1 26 | — | $205.5M | ||
| Q4 25 | $17.1B | $120.4M | ||
| Q3 25 | $16.7B | $155.3M | ||
| Q2 25 | $15.9B | $155.1M | ||
| Q1 25 | $16.5B | $254.3M | ||
| Q4 24 | $17.5B | $254.2M | ||
| Q3 24 | $16.8B | $316.4M | ||
| Q2 24 | $16.0B | $324.9M |
股东权益ALLYUCB
| Q1 26 | — | $3.7B | ||
| Q4 25 | $15.5B | $3.6B | ||
| Q3 25 | $15.1B | $3.6B | ||
| Q2 25 | $14.5B | $3.6B | ||
| Q1 25 | $14.2B | $3.5B | ||
| Q4 24 | $13.9B | $3.4B | ||
| Q3 24 | $14.7B | $3.4B | ||
| Q2 24 | $13.9B | $3.3B |
总资产ALLYUCB
| Q1 26 | — | $28.2M | ||
| Q4 25 | $196.0B | $28.0B | ||
| Q3 25 | $191.7B | $28.1B | ||
| Q2 25 | $189.5B | $28.1B | ||
| Q1 25 | $193.3B | $27.9B | ||
| Q4 24 | $191.8B | $27.7B | ||
| Q3 24 | $193.0B | $27.4B | ||
| Q2 24 | $192.5B | $27.1B |
负债/权益比ALLYUCB
| Q1 26 | — | 0.06× | ||
| Q4 25 | 1.10× | 0.03× | ||
| Q3 25 | 1.11× | 0.04× | ||
| Q2 25 | 1.09× | 0.04× | ||
| Q1 25 | 1.16× | 0.07× | ||
| Q4 24 | 1.26× | 0.07× | ||
| Q3 24 | 1.14× | 0.09× | ||
| Q2 24 | 1.15× | 0.10× |
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ALLYUCB
| Q1 26 | — | — | ||
| Q4 25 | $640.0M | $65.5M | ||
| Q3 25 | $1.2B | $123.1M | ||
| Q2 25 | $947.0M | $96.8M | ||
| Q1 25 | $940.0M | $98.6M | ||
| Q4 24 | $620.0M | $148.1M | ||
| Q3 24 | $992.0M | $7.7M | ||
| Q2 24 | $1.6B | $105.1M |
自由现金流ALLYUCB
| Q1 26 | — | — | ||
| Q4 25 | — | $59.7M | ||
| Q3 25 | — | $117.7M | ||
| Q2 25 | — | $84.7M | ||
| Q1 25 | — | $94.3M | ||
| Q4 24 | — | $142.6M | ||
| Q3 24 | — | $-2.2M | ||
| Q2 24 | — | $87.2M |
自由现金流率ALLYUCB
| Q1 26 | — | — | ||
| Q4 25 | — | 21.4% | ||
| Q3 25 | — | 42.5% | ||
| Q2 25 | — | 32.6% | ||
| Q1 25 | — | 38.1% | ||
| Q4 24 | — | 59.5% | ||
| Q3 24 | — | -1.1% | ||
| Q2 24 | — | 37.4% |
资本支出强度ALLYUCB
| Q1 26 | — | — | ||
| Q4 25 | — | 2.1% | ||
| Q3 25 | — | 1.9% | ||
| Q2 25 | — | 4.7% | ||
| Q1 25 | — | 1.7% | ||
| Q4 24 | — | 2.3% | ||
| Q3 24 | — | 4.9% | ||
| Q2 24 | — | 7.7% |
现金转化率ALLYUCB
| Q1 26 | — | — | ||
| Q4 25 | 1.96× | 0.76× | ||
| Q3 25 | 3.02× | 1.35× | ||
| Q2 25 | 2.69× | 1.23× | ||
| Q1 25 | — | 1.38× | ||
| Q4 24 | — | 1.95× | ||
| Q3 24 | 2.78× | 0.16× | ||
| Q2 24 | 5.36× | 1.58× |
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% |
UCB
| Deposits | $98.0M | 35% |
| Investment securities, including tax exempt of $1,646 and $1,678, respectively | $45.3M | 16% |
| Money market | $40.7M | 15% |
| Time | $28.7M | 10% |
| NOW and interest-bearing demand | $28.1M | 10% |
| Service charges and fees | $9.5M | 3% |
| Other | $8.0M | 3% |
| Mortgage loan gains and other related fees | $8.0M | 3% |
| Wealth management fees | $4.6M | 2% |
| Lending and loan servicing fees | $4.0M | 1% |
| Deposits in banks and short-term investments | $1.2M | 0% |
| Securities gains, net | $133.0K | 0% |
