vs
Ally Financial Inc.（ALLY）与UNITIL CORP（UTL）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UNITIL CORP的1.9倍（$301.0M vs $161.5M），Ally Financial Inc.净利率更高（108.6% vs 11.8%，领先96.9%），UNITIL CORP同比增速更快（26.7% vs -3.2%），过去两年Ally Financial Inc.的营收复合增速更高（11.1% vs -4.9%）
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。
Unitil是一家跨州电力与天然气公用事业公司，业务覆盖美国新罕布什尔州、马萨诸塞州与缅因州。公司最早前身是1849年在缅因州成立的波特兰煤气灯公司，现企业主体于1984年设立，总部位于新罕布什尔州。目前公司总市值约6.8651亿美元，为约10.24万电力客户、超7.59万天然气客户提供服务。
ALLY vs UTL — 直观对比
营收规模更大
ALLY
是对方的1.9倍
$161.5M
营收增速更快
UTL
高出29.9%
-3.2%
净利率更高
ALLY
高出96.9%
11.8%
两年增速更快
ALLY
近两年复合增速
-4.9%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $301.0M | $161.5M |
| 净利润 | $327.0M | $19.0M |
| 毛利率 | — | — |
| 营业利润率 | — | 21.5% |
| 净利率 | 108.6% | 11.8% |
| 营收同比 | -3.2% | 26.7% |
| 净利润同比 | 333.6% | 21.8% |
| 每股收益（稀释后） | $0.97 | $1.05 |
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ALLYUTL
| Q4 25 | $301.0M | $161.5M | ||
| Q3 25 | $308.0M | $101.1M | ||
| Q2 25 | $312.0M | $102.6M | ||
| Q1 25 | $323.0M | $170.8M | ||
| Q4 24 | $311.0M | $127.5M | ||
| Q3 24 | $319.0M | $92.9M | ||
| Q2 24 | $324.0M | $95.7M | ||
| Q1 24 | $244.0M | $178.7M |
净利润ALLYUTL
| Q4 25 | $327.0M | $19.0M | ||
| Q3 25 | $398.0M | $-300.0K | ||
| Q2 25 | $352.0M | $4.0M | ||
| Q1 25 | $-225.0M | $27.5M | ||
| Q4 24 | $-140.0M | $15.6M | ||
| Q3 24 | $357.0M | $0 | ||
| Q2 24 | $294.0M | $4.3M | ||
| Q1 24 | $157.0M | $27.2M |
营业利润率ALLYUTL
| Q4 25 | — | 21.5% | ||
| Q3 25 | — | 6.9% | ||
| Q2 25 | — | 13.0% | ||
| Q1 25 | -87.9% | 27.0% | ||
| Q4 24 | 56.3% | 22.1% | ||
| Q3 24 | 73.0% | 6.2% | ||
| Q2 24 | 79.3% | 13.0% | ||
| Q1 24 | 70.1% | 24.7% |
净利率ALLYUTL
| Q4 25 | 108.6% | 11.8% | ||
| Q3 25 | 129.2% | -0.3% | ||
| Q2 25 | 112.8% | 3.9% | ||
| Q1 25 | -69.7% | 16.1% | ||
| Q4 24 | -45.0% | 12.2% | ||
| Q3 24 | 111.9% | — | ||
| Q2 24 | 90.7% | 4.5% | ||
| Q1 24 | 64.3% | 15.2% |
每股收益（稀释后）ALLYUTL
| Q4 25 | $0.97 | $1.05 | ||
| Q3 25 | $1.18 | $-0.02 | ||
| Q2 25 | $1.04 | $0.25 | ||
| Q1 25 | $-0.82 | $1.69 | ||
| Q4 24 | $-0.54 | $0.97 | ||
| Q3 24 | $1.06 | $0.00 | ||
| Q2 24 | $0.86 | $0.27 | ||
| Q1 24 | $0.42 | $1.69 |
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 | $15.6M |
| 总债务越低越好 | $17.1B | $670.5M |
| 股东权益账面价值 | $15.5B | $609.6M |
| 总资产 | $196.0B | $2.1B |
| 负债/权益比越低杠杆越低 | 1.10× | 1.10× |
8季度趋势，按日历期对齐
现金及短期投资ALLYUTL
| Q4 25 | $10.0B | $15.6M | ||
| Q3 25 | $10.2B | $14.6M | ||
| Q2 25 | $10.6B | $8.5M | ||
| Q1 25 | $10.4B | $10.2M | ||
| Q4 24 | $10.3B | $6.3M | ||
| Q3 24 | $8.6B | $6.3M | ||
| Q2 24 | $7.4B | $2.8M | ||
| Q1 24 | $8.2B | $6.3M |
总债务ALLYUTL
| Q4 25 | $17.1B | $670.5M | ||
| Q3 25 | $16.7B | $670.5M | ||
| Q2 25 | $15.9B | $640.7M | ||
| Q1 25 | $16.5B | $642.1M | ||
| Q4 24 | $17.5B | $643.3M | ||
| Q3 24 | $16.8B | $643.3M | ||
| Q2 24 | $16.0B | $511.3M | ||
| Q1 24 | $17.0B | $512.8M |
股东权益ALLYUTL
| Q4 25 | $15.5B | $609.6M | ||
| Q3 25 | $15.1B | $597.2M | ||
| Q2 25 | $14.5B | $532.8M | ||
| Q1 25 | $14.2B | $534.1M | ||
| Q4 24 | $13.9B | $512.5M | ||
| Q3 24 | $14.7B | $502.4M | ||
| Q2 24 | $13.9B | $508.8M | ||
| Q1 24 | $13.7B | $510.8M |
总资产ALLYUTL
| Q4 25 | $196.0B | $2.1B | ||
| Q3 25 | $191.7B | $1.9B | ||
| Q2 25 | $189.5B | $1.9B | ||
| Q1 25 | $193.3B | $1.9B | ||
| Q4 24 | $191.8B | $1.8B | ||
| Q3 24 | $193.0B | $1.7B | ||
| Q2 24 | $192.5B | $1.7B | ||
| Q1 24 | $192.9B | $1.7B |
负债/权益比ALLYUTL
| Q4 25 | 1.10× | 1.10× | ||
| Q3 25 | 1.11× | 1.12× | ||
| Q2 25 | 1.09× | 1.20× | ||
| Q1 25 | 1.16× | 1.20× | ||
| Q4 24 | 1.26× | 1.26× | ||
| Q3 24 | 1.14× | 1.28× | ||
| Q2 24 | 1.15× | 1.00× | ||
| Q1 24 | 1.25× | 1.00× |
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 | $21.4M |
| 自由现金流经营现金流 - 资本支出 | — | $-36.3M |
| 自由现金流率自由现金流/营收 | — | -22.5% |
| 资本支出强度资本支出/营收 | — | 35.7% |
| 现金转化率经营现金流/净利润 | 1.96× | 1.13× |
| 过去12个月自由现金流最近4个季度 | — | $-53.8M |
8季度趋势，按日历期对齐
经营现金流ALLYUTL
| Q4 25 | $640.0M | $21.4M | ||
| Q3 25 | $1.2B | $15.6M | ||
| Q2 25 | $947.0M | $42.2M | ||
| Q1 25 | $940.0M | $52.1M | ||
| Q4 24 | $620.0M | $23.3M | ||
| Q3 24 | $992.0M | $26.1M | ||
| Q2 24 | $1.6B | $49.9M | ||
| Q1 24 | $1.3B | $26.6M |
自由现金流ALLYUTL
| Q4 25 | — | $-36.3M | ||
| Q3 25 | — | $-39.0M | ||
| Q2 25 | — | $2.0M | ||
| Q1 25 | — | $19.5M | ||
| Q4 24 | — | $-32.3M | ||
| Q3 24 | — | $-31.3M | ||
| Q2 24 | — | $13.2M | ||
| Q1 24 | — | $6.4M |
自由现金流率ALLYUTL
| Q4 25 | — | -22.5% | ||
| Q3 25 | — | -38.6% | ||
| Q2 25 | — | 1.9% | ||
| Q1 25 | — | 11.4% | ||
| Q4 24 | — | -25.3% | ||
| Q3 24 | — | -33.7% | ||
| Q2 24 | — | 13.8% | ||
| Q1 24 | — | 3.6% |
资本支出强度ALLYUTL
| Q4 25 | — | 35.7% | ||
| Q3 25 | — | 54.0% | ||
| Q2 25 | — | 39.2% | ||
| Q1 25 | — | 19.1% | ||
| Q4 24 | — | 43.6% | ||
| Q3 24 | — | 61.8% | ||
| Q2 24 | — | 38.3% | ||
| Q1 24 | — | 11.3% |
现金转化率ALLYUTL
| Q4 25 | 1.96× | 1.13× | ||
| Q3 25 | 3.02× | — | ||
| Q2 25 | 2.69× | 10.55× | ||
| Q1 25 | — | 1.89× | ||
| Q4 24 | — | 1.49× | ||
| Q3 24 | 2.78× | — | ||
| Q2 24 | 5.36× | 11.60× | ||
| Q1 24 | 8.54× | 0.98× |
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% |
UTL
暂无分部数据
