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Ally Financial Inc.（ALLY）与WD 40 CO（WDFC）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WD 40 CO的1.9倍（$301.0M vs $154.4M），Ally Financial Inc.净利率更高（108.6% vs 11.3%，领先97.3%），WD 40 CO同比增速更快（0.6% vs -3.2%），过去两年Ally Financial Inc.的营收复合增速更高（11.1% vs 5.4%）
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。
WD-40公司是全球知名的消费及工业维护用品生产商，核心产品为同名多功能防锈润滑剂，同时布局清洁剂、除油剂、特殊润滑产品等品类，业务覆盖全球170余个国家和地区，服务零售、工业、汽车后市场等多个领域。
ALLY vs WDFC — 直观对比
营收规模更大
ALLY
是对方的1.9倍
$154.4M
营收增速更快
WDFC
高出3.8%
-3.2%
净利率更高
ALLY
高出97.3%
11.3%
两年增速更快
ALLY
近两年复合增速
5.4%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $301.0M | $154.4M |
| 净利润 | $327.0M | $17.5M |
| 毛利率 | — | 56.2% |
| 营业利润率 | — | 15.1% |
| 净利率 | 108.6% | 11.3% |
| 营收同比 | -3.2% | 0.6% |
| 净利润同比 | 333.6% | -7.8% |
| 每股收益（稀释后） | $0.97 | $1.28 |
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ALLYWDFC
| Q4 25 | $301.0M | $154.4M | ||
| Q3 25 | $308.0M | $163.5M | ||
| Q2 25 | $312.0M | $156.9M | ||
| Q1 25 | $323.0M | $146.1M | ||
| Q4 24 | $311.0M | $153.5M | ||
| Q3 24 | $319.0M | $156.0M | ||
| Q2 24 | $324.0M | $155.0M | ||
| Q1 24 | $244.0M | $139.1M |
净利润ALLYWDFC
| Q4 25 | $327.0M | $17.5M | ||
| Q3 25 | $398.0M | $21.2M | ||
| Q2 25 | $352.0M | $21.0M | ||
| Q1 25 | $-225.0M | $29.9M | ||
| Q4 24 | $-140.0M | $18.9M | ||
| Q3 24 | $357.0M | $16.8M | ||
| Q2 24 | $294.0M | $19.8M | ||
| Q1 24 | $157.0M | $15.5M |
毛利率ALLYWDFC
| Q4 25 | — | 56.2% | ||
| Q3 25 | — | 54.7% | ||
| Q2 25 | — | 56.2% | ||
| Q1 25 | — | 54.6% | ||
| Q4 24 | — | 54.8% | ||
| Q3 24 | — | 54.1% | ||
| Q2 24 | — | 53.1% | ||
| Q1 24 | — | 52.4% |
营业利润率ALLYWDFC
| Q4 25 | — | 15.1% | ||
| Q3 25 | — | 17.1% | ||
| Q2 25 | — | 17.4% | ||
| Q1 25 | -87.9% | 15.9% | ||
| Q4 24 | 56.3% | 16.4% | ||
| Q3 24 | 73.0% | 15.4% | ||
| Q2 24 | 79.3% | 17.5% | ||
| Q1 24 | 70.1% | 15.1% |
净利率ALLYWDFC
| Q4 25 | 108.6% | 11.3% | ||
| Q3 25 | 129.2% | 13.0% | ||
| Q2 25 | 112.8% | 13.4% | ||
| Q1 25 | -69.7% | 20.4% | ||
| Q4 24 | -45.0% | 12.3% | ||
| Q3 24 | 111.9% | 10.8% | ||
| Q2 24 | 90.7% | 12.8% | ||
| Q1 24 | 64.3% | 11.2% |
每股收益（稀释后）ALLYWDFC
| Q4 25 | $0.97 | $1.28 | ||
| Q3 25 | $1.18 | $1.57 | ||
| Q2 25 | $1.04 | $1.54 | ||
| Q1 25 | $-0.82 | $2.19 | ||
| Q4 24 | $-0.54 | $1.39 | ||
| Q3 24 | $1.06 | $1.23 | ||
| Q2 24 | $0.86 | $1.46 | ||
| Q1 24 | $0.42 | $1.14 |
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 | $48.6M |
| 总债务越低越好 | $17.1B | $85.7M |
| 股东权益账面价值 | $15.5B | $264.1M |
| 总资产 | $196.0B | $459.7M |
| 负债/权益比越低杠杆越低 | 1.10× | 0.32× |
8季度趋势，按日历期对齐
现金及短期投资ALLYWDFC
| Q4 25 | $10.0B | $48.6M | ||
| Q3 25 | $10.2B | $58.1M | ||
| Q2 25 | $10.6B | $51.7M | ||
| Q1 25 | $10.4B | $53.0M | ||
| Q4 24 | $10.3B | $54.9M | ||
| Q3 24 | $8.6B | $46.7M | ||
| Q2 24 | $7.4B | $45.3M | ||
| Q1 24 | $8.2B | $55.4M |
总债务ALLYWDFC
| Q4 25 | $17.1B | $85.7M | ||
| Q3 25 | $16.7B | $86.2M | ||
| Q2 25 | $15.9B | $85.6M | ||
| Q1 25 | $16.5B | $84.4M | ||
| Q4 24 | $17.5B | $84.6M | ||
| Q3 24 | $16.8B | $86.0M | ||
| Q2 24 | $16.0B | $85.5M | ||
| Q1 24 | $17.0B | $85.9M |
股东权益ALLYWDFC
| Q4 25 | $15.5B | $264.1M | ||
| Q3 25 | $15.1B | $268.2M | ||
| Q2 25 | $14.5B | $257.1M | ||
| Q1 25 | $14.2B | $242.1M | ||
| Q4 24 | $13.9B | $226.3M | ||
| Q3 24 | $14.7B | $230.5M | ||
| Q2 24 | $13.9B | $222.2M | ||
| Q1 24 | $13.7B | $216.3M |
总资产ALLYWDFC
| Q4 25 | $196.0B | $459.7M | ||
| Q3 25 | $191.7B | $475.8M | ||
| Q2 25 | $189.5B | $456.0M | ||
| Q1 25 | $193.3B | $458.3M | ||
| Q4 24 | $191.8B | $447.3M | ||
| Q3 24 | $193.0B | $449.0M | ||
| Q2 24 | $192.5B | $443.6M | ||
| Q1 24 | $192.9B | $442.0M |
负债/权益比ALLYWDFC
| Q4 25 | 1.10× | 0.32× | ||
| Q3 25 | 1.11× | 0.32× | ||
| Q2 25 | 1.09× | 0.33× | ||
| Q1 25 | 1.16× | 0.35× | ||
| Q4 24 | 1.26× | 0.37× | ||
| Q3 24 | 1.14× | 0.37× | ||
| Q2 24 | 1.15× | 0.38× | ||
| Q1 24 | 1.25× | 0.40× |
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 | $10.0M |
| 自由现金流经营现金流 - 资本支出 | — | $9.1M |
| 自由现金流率自由现金流/营收 | — | 5.9% |
| 资本支出强度资本支出/营收 | — | 0.6% |
| 现金转化率经营现金流/净利润 | 1.96× | 0.57× |
| 过去12个月自由现金流最近4个季度 | — | $78.2M |
8季度趋势，按日历期对齐
经营现金流ALLYWDFC
| Q4 25 | $640.0M | $10.0M | ||
| Q3 25 | $1.2B | $29.9M | ||
| Q2 25 | $947.0M | $35.1M | ||
| Q1 25 | $940.0M | $8.0M | ||
| Q4 24 | $620.0M | $14.9M | ||
| Q3 24 | $992.0M | $27.2M | ||
| Q2 24 | $1.6B | $19.9M | ||
| Q1 24 | $1.3B | $18.0M |
自由现金流ALLYWDFC
| Q4 25 | — | $9.1M | ||
| Q3 25 | — | $28.6M | ||
| Q2 25 | — | $34.0M | ||
| Q1 25 | — | $6.6M | ||
| Q4 24 | — | $14.2M | ||
| Q3 24 | — | $26.4M | ||
| Q2 24 | — | $18.7M | ||
| Q1 24 | — | $16.7M |
自由现金流率ALLYWDFC
| Q4 25 | — | 5.9% | ||
| Q3 25 | — | 17.5% | ||
| Q2 25 | — | 21.6% | ||
| Q1 25 | — | 4.5% | ||
| Q4 24 | — | 9.3% | ||
| Q3 24 | — | 16.9% | ||
| Q2 24 | — | 12.0% | ||
| Q1 24 | — | 12.0% |
资本支出强度ALLYWDFC
| Q4 25 | — | 0.6% | ||
| Q3 25 | — | 0.8% | ||
| Q2 25 | — | 0.7% | ||
| Q1 25 | — | 0.9% | ||
| Q4 24 | — | 0.5% | ||
| Q3 24 | — | 0.5% | ||
| Q2 24 | — | 0.8% | ||
| Q1 24 | — | 0.9% |
现金转化率ALLYWDFC
| Q4 25 | 1.96× | 0.57× | ||
| Q3 25 | 3.02× | 1.41× | ||
| Q2 25 | 2.69× | 1.67× | ||
| Q1 25 | — | 0.27× | ||
| Q4 24 | — | 0.79× | ||
| Q3 24 | 2.78× | 1.62× | ||
| Q2 24 | 5.36× | 1.00× | ||
| Q1 24 | 8.54× | 1.16× |
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% |
WDFC
| Other | $82.6M | 53% |
| WD40Multi Use Product | $56.0M | 36% |
| WD40Specialist | $9.0M | 6% |
| Other Maintenance Products | $4.0M | 3% |
| Homecare And Cleaning Products | $2.7M | 2% |
