vs
Ally金融（SPFI）与null（SWIM）财务数据对比。点击上方公司名可切换其他公司
null的季度营收约是Ally金融的1.8倍（$100.0M vs $54.1M），Ally金融净利率更高（26.9% vs -7.0%，领先33.9%），过去两年Ally金融的营收复合增速更高（5.6% vs -4.9%）
Ally金融是一家注册于特拉华州的美国银行控股公司，总部位于密歇根州底特律市的Ally底特律中心。该公司提供多元金融服务，涵盖汽车融资、直营网络银行、企业贷款、车辆保险、按揭贷款，以及分期销售、租赁协议等相关融资服务。
该企业是一家源自美国的跨国律师事务所，1934年创立于加利福尼亚州洛杉矶，在诉讼业务、公司法务以及监管合规法律领域拥有深厚的行业积累与知名度，是全球颇具影响力的综合性律所之一。
SPFI vs SWIM — 直观对比
营收规模更大
SWIM
是对方的1.8倍
$54.1M
净利率更高
SPFI
高出33.9%
-7.0%
两年增速更快
SPFI
近两年复合增速
-4.9%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $54.1M | $100.0M |
| 净利润 | $14.5M | $-7.0M |
| 毛利率 | — | 28.0% |
| 营业利润率 | — | -10.7% |
| 净利率 | 26.9% | -7.0% |
| 营收同比 | — | 14.5% |
| 净利润同比 | 18.3% | 76.0% |
| 每股收益（稀释后） | — | $-0.06 |
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SPFISWIM
| Q1 26 | $54.1M | — | ||
| Q4 25 | $53.9M | $100.0M | ||
| Q3 25 | $54.2M | $161.9M | ||
| Q2 25 | $54.7M | $172.6M | ||
| Q1 25 | $49.2M | $111.4M | ||
| Q4 24 | $51.9M | $87.3M | ||
| Q3 24 | $47.9M | $150.5M | ||
| Q2 24 | $48.6M | $160.1M |
净利润SPFISWIM
| Q1 26 | $14.5M | — | ||
| Q4 25 | — | $-7.0M | ||
| Q3 25 | $16.3M | $8.1M | ||
| Q2 25 | $14.6M | $16.0M | ||
| Q1 25 | $12.3M | $-6.0M | ||
| Q4 24 | — | $-29.2M | ||
| Q3 24 | $11.2M | $5.9M | ||
| Q2 24 | $11.1M | $13.3M |
毛利率SPFISWIM
| Q1 26 | — | — | ||
| Q4 25 | — | 28.0% | ||
| Q3 25 | — | 35.4% | ||
| Q2 25 | — | 37.1% | ||
| Q1 25 | — | 29.5% | ||
| Q4 24 | — | 24.6% | ||
| Q3 24 | — | 32.4% | ||
| Q2 24 | — | 33.1% |
营业利润率SPFISWIM
| Q1 26 | — | — | ||
| Q4 25 | 35.4% | -10.7% | ||
| Q3 25 | 38.1% | 13.3% | ||
| Q2 25 | 34.1% | 14.3% | ||
| Q1 25 | 31.9% | -4.4% | ||
| Q4 24 | 39.9% | -14.9% | ||
| Q3 24 | 29.8% | 8.9% | ||
| Q2 24 | 29.3% | 12.5% |
净利率SPFISWIM
| Q1 26 | 26.9% | — | ||
| Q4 25 | — | -7.0% | ||
| Q3 25 | 30.1% | 5.0% | ||
| Q2 25 | 26.7% | 9.3% | ||
| Q1 25 | 25.0% | -5.4% | ||
| Q4 24 | — | -33.4% | ||
| Q3 24 | 23.4% | 3.9% | ||
| Q2 24 | 22.9% | 8.3% |
每股收益（稀释后）SPFISWIM
| Q1 26 | — | — | ||
| Q4 25 | $0.90 | $-0.06 | ||
| Q3 25 | $0.96 | $0.07 | ||
| Q2 25 | $0.86 | $0.13 | ||
| Q1 25 | $0.72 | $-0.05 | ||
| Q4 24 | $0.96 | $-0.24 | ||
| Q3 24 | $0.66 | $0.05 | ||
| Q2 24 | $0.66 | $0.11 |
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 | $722.0M | — |
| 总债务越低越好 | $3.0K | $279.8M |
| 股东权益账面价值 | $504.9M | $405.9M |
| 总资产 | $4.6B | $823.2M |
| 负债/权益比越低杠杆越低 | 0.00× | 0.69× |
8季度趋势，按日历期对齐
现金及短期投资SPFISWIM
| Q1 26 | $722.0M | — | ||
| Q4 25 | $552.4M | — | ||
| Q3 25 | $635.0M | — | ||
| Q2 25 | $470.5M | — | ||
| Q1 25 | $536.3M | — | ||
| Q4 24 | $359.1M | — | ||
| Q3 24 | $471.2M | — | ||
| Q2 24 | $298.0M | — |
总债务SPFISWIM
| Q1 26 | $3.0K | — | ||
| Q4 25 | — | $279.8M | ||
| Q3 25 | — | $281.1M | ||
| Q2 25 | — | $281.5M | ||
| Q1 25 | — | $306.9M | ||
| Q4 24 | — | $281.5M | ||
| Q3 24 | — | $282.8M | ||
| Q2 24 | — | $282.4M |
股东权益SPFISWIM
| Q1 26 | $504.9M | — | ||
| Q4 25 | $493.8M | $405.9M | ||
| Q3 25 | $477.8M | $408.4M | ||
| Q2 25 | $454.1M | $398.4M | ||
| Q1 25 | $443.7M | $381.1M | ||
| Q4 24 | $438.9M | $387.2M | ||
| Q3 24 | $443.1M | $416.6M | ||
| Q2 24 | $418.0M | $408.1M |
总资产SPFISWIM
| Q1 26 | $4.6B | — | ||
| Q4 25 | $4.5B | $823.2M | ||
| Q3 25 | $4.5B | $844.4M | ||
| Q2 25 | $4.4B | $822.1M | ||
| Q1 25 | $4.4B | $824.6M | ||
| Q4 24 | $4.2B | $794.2M | ||
| Q3 24 | $4.3B | $853.4M | ||
| Q2 24 | $4.2B | $830.0M |
负债/权益比SPFISWIM
| Q1 26 | 0.00× | — | ||
| Q4 25 | — | 0.69× | ||
| Q3 25 | — | 0.69× | ||
| Q2 25 | — | 0.71× | ||
| Q1 25 | — | 0.81× | ||
| Q4 24 | — | 0.73× | ||
| Q3 24 | — | 0.68× | ||
| Q2 24 | — | 0.69× |
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 | — | $23.3M |
| 自由现金流经营现金流 - 资本支出 | — | $14.1M |
| 自由现金流率自由现金流/营收 | — | 14.1% |
| 资本支出强度资本支出/营收 | — | 9.2% |
| 现金转化率经营现金流/净利润 | — | — |
| 过去12个月自由现金流最近4个季度 | — | $38.0M |
8季度趋势，按日历期对齐
经营现金流SPFISWIM
| Q1 26 | — | — | ||
| Q4 25 | $77.5M | $23.3M | ||
| Q3 25 | $24.2M | $51.0M | ||
| Q2 25 | $14.7M | $36.0M | ||
| Q1 25 | $26.1M | $-46.9M | ||
| Q4 24 | $59.4M | $6.2M | ||
| Q3 24 | $17.9M | $37.2M | ||
| Q2 24 | $18.2M | $52.4M |
自由现金流SPFISWIM
| Q1 26 | — | — | ||
| Q4 25 | $71.8M | $14.1M | ||
| Q3 25 | $22.5M | $45.2M | ||
| Q2 25 | $13.0M | $29.1M | ||
| Q1 25 | $25.0M | $-50.3M | ||
| Q4 24 | $56.0M | $-98.0K | ||
| Q3 24 | $17.1M | $33.2M | ||
| Q2 24 | $17.1M | $47.9M |
自由现金流率SPFISWIM
| Q1 26 | — | — | ||
| Q4 25 | 133.3% | 14.1% | ||
| Q3 25 | 41.5% | 27.9% | ||
| Q2 25 | 23.8% | 16.8% | ||
| Q1 25 | 50.8% | -45.2% | ||
| Q4 24 | 108.0% | -0.1% | ||
| Q3 24 | 35.7% | 22.1% | ||
| Q2 24 | 35.2% | 29.9% |
资本支出强度SPFISWIM
| Q1 26 | — | — | ||
| Q4 25 | 10.5% | 9.2% | ||
| Q3 25 | 3.2% | 3.6% | ||
| Q2 25 | 3.2% | 4.0% | ||
| Q1 25 | 2.3% | 3.1% | ||
| Q4 24 | 6.5% | 7.2% | ||
| Q3 24 | 1.6% | 2.7% | ||
| Q2 24 | 2.2% | 2.8% |
现金转化率SPFISWIM
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | 1.48× | 6.29× | ||
| Q2 25 | 1.01× | 2.25× | ||
| Q1 25 | 2.12× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 1.59× | 6.32× | ||
| Q2 24 | 1.63× | 3.95× |
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
SPFI
| Net Interest Income | $42.9M | 79% |
| Noninterest Income | $11.3M | 21% |
SWIM
| In Ground Swimming Pools | $50.2M | 50% |
| Covers | $37.0M | 37% |
| Liners | $12.7M | 13% |
