vs
Ally Financial Inc.（ALLY）与美国合众银行（USB）财务数据对比。点击上方公司名可切换其他公司
美国合众银行的季度营收约是Ally Financial Inc.的24.5倍（$7.4B vs $301.0M）。Ally Financial Inc.净利率更高（108.6% vs 27.8%，领先80.9%）。美国合众银行同比增速更快（5.1% vs -3.2%）。过去两年Ally Financial Inc.的营收复合增速更高（11.1% vs 4.7%）
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。
美国合众银行是美国跨国银行机构，总部位于明尼苏达州明尼阿波利斯，在特拉华州注册成立。截至2025年为美国第五大银行，也是美国中西部规模最大的银行，被金融稳定委员会认定为系统重要性机构，旗下核心运营主体提供银行、投资、按揭等多元金融服务。
ALLY vs USB — 直观对比
营收规模更大
USB
是对方的24.5倍
$301.0M
营收增速更快
USB
高出8.3%
-3.2%
净利率更高
ALLY
高出80.9%
27.8%
两年增速更快
ALLY
近两年复合增速
4.7%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $301.0M | $7.4B |
| 净利润 | $327.0M | $2.0B |
| 毛利率 | — | — |
| 营业利润率 | — | 34.4% |
| 净利率 | 108.6% | 27.8% |
| 营收同比 | -3.2% | 5.1% |
| 净利润同比 | 333.6% | 23.0% |
| 每股收益（稀释后） | $0.97 | $1.26 |
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ALLYUSB
| Q4 25 | $301.0M | $7.4B | ||
| Q3 25 | $308.0M | $7.3B | ||
| Q2 25 | $312.0M | $7.0B | ||
| Q1 25 | $323.0M | $7.0B | ||
| Q4 24 | $311.0M | $7.0B | ||
| Q3 24 | $319.0M | $6.9B | ||
| Q2 24 | $324.0M | $6.9B | ||
| Q1 24 | $244.0M | $6.7B |
净利润ALLYUSB
| Q4 25 | $327.0M | $2.0B | ||
| Q3 25 | $398.0M | $2.0B | ||
| Q2 25 | $352.0M | $1.8B | ||
| Q1 25 | $-225.0M | $1.7B | ||
| Q4 24 | $-140.0M | $1.7B | ||
| Q3 24 | $357.0M | $1.7B | ||
| Q2 24 | $294.0M | $1.6B | ||
| Q1 24 | $157.0M | $1.3B |
营业利润率ALLYUSB
| Q4 25 | — | 34.4% | ||
| Q3 25 | — | 34.5% | ||
| Q2 25 | — | 32.7% | ||
| Q1 25 | -87.9% | 31.0% | ||
| Q4 24 | 56.3% | 30.1% | ||
| Q3 24 | 73.0% | 30.2% | ||
| Q2 24 | 79.3% | 29.9% | ||
| Q1 24 | 70.1% | 24.9% |
净利率ALLYUSB
| Q4 25 | 108.6% | 27.8% | ||
| Q3 25 | 129.2% | 27.3% | ||
| Q2 25 | 112.8% | 25.9% | ||
| Q1 25 | -69.7% | 24.6% | ||
| Q4 24 | -45.0% | 23.7% | ||
| Q3 24 | 111.9% | 25.0% | ||
| Q2 24 | 90.7% | 23.3% | ||
| Q1 24 | 64.3% | 19.6% |
每股收益（稀释后）ALLYUSB
| Q4 25 | $0.97 | $1.26 | ||
| Q3 25 | $1.18 | $1.22 | ||
| Q2 25 | $1.04 | $1.11 | ||
| Q1 25 | $-0.82 | $1.03 | ||
| Q4 24 | $-0.54 | $1.01 | ||
| Q3 24 | $1.06 | $1.03 | ||
| Q2 24 | $0.86 | $0.97 | ||
| Q1 24 | $0.42 | $0.78 |
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 | $65.2B |
| 总资产 | $196.0B | $692.3B |
| 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ALLYUSB
| 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ALLYUSB
| 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ALLYUSB
| Q4 25 | $15.5B | $65.2B | ||
| Q3 25 | $15.1B | $63.3B | ||
| Q2 25 | $14.5B | $61.4B | ||
| Q1 25 | $14.2B | $60.1B | ||
| Q4 24 | $13.9B | $58.6B | ||
| Q3 24 | $14.7B | $58.9B | ||
| Q2 24 | $13.9B | $56.4B | ||
| Q1 24 | $13.7B | $55.6B |
总资产ALLYUSB
| Q4 25 | $196.0B | $692.3B | ||
| Q3 25 | $191.7B | $695.4B | ||
| Q2 25 | $189.5B | $686.4B | ||
| Q1 25 | $193.3B | $676.5B | ||
| Q4 24 | $191.8B | $678.3B | ||
| Q3 24 | $193.0B | $686.5B | ||
| Q2 24 | $192.5B | $680.1B | ||
| Q1 24 | $192.9B | $683.6B |
负债/权益比ALLYUSB
| 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 | $2.8B |
| 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× | 1.39× |
| 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ALLYUSB
| Q4 25 | $640.0M | $2.8B | ||
| Q3 25 | $1.2B | $3.4B | ||
| Q2 25 | $947.0M | $2.0B | ||
| Q1 25 | $940.0M | $-285.0M | ||
| Q4 24 | $620.0M | $4.8B | ||
| Q3 24 | $992.0M | $972.0M | ||
| Q2 24 | $1.6B | $2.9B | ||
| Q1 24 | $1.3B | $2.7B |
现金转化率ALLYUSB
| Q4 25 | 1.96× | 1.39× | ||
| Q3 25 | 3.02× | 1.69× | ||
| Q2 25 | 2.69× | 1.12× | ||
| Q1 25 | — | -0.17× | ||
| Q4 24 | — | 2.87× | ||
| Q3 24 | 2.78× | 0.57× | ||
| Q2 24 | 5.36× | 1.79× | ||
| Q1 24 | 8.54× | 2.02× |
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% |
USB
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