Ally 金融 ALLY
$38.17 −$0.66 (-1.70%)
休市 · Nov 6, 8:10 pm ET · 最新盘后价 $38.18 +0.02%
开盘$38.39
昨收$38.83
当日区间$38.15 – $38.98
成交量2.56M
市值$11.45B
市盈率（TTM）8.7
股息率3.14%
基本面
最新报告季度：Q3, ended Sep 2026
营收$2.61B+9.9% YoY
净利润$433.00M+8.8% YoY
摊薄每股收益$1.30+10.2% YoY
自由现金流$629.00M+569.4% YoY
经营现金流$1.35B
营收，近8个季度
净利润，近8个季度
各季度摊薄每股收益
各季度自由现金流
年度营收
盈利能力与资产负债表
净利率16.6%
负债/资产比率92.6%
现金及投资$7.84B
总负债$25.03B
净现金（净负债）-$17.19B
营收构成
2026/Q2 季度
按业务线
利润表
| 项目 | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| 报告营业总收入 | $2.33B | $2.29B | $2.10B | $7.91B | $2.12B |
| 营业总收入 | $2.61B | $2.54B | $2.35B | $8.77B | $2.36B |
| 净利息收入 | $2.02B | $1.95B | $1.86B | $7.11B | $1.85B |
| -利息收入 | $3.57B | $3.47B | $3.37B | $13.52B | $3.42B |
| -利息支出 | $1.55B | $1.51B | $1.52B | $6.41B | $1.56B |
| 非利息收入 | $584.00M | $591.00M | $496.00M | $1.66B | $508.00M |
| -已赚保费合计 | $365.00M | $368.00M | $360.00M | $482.00M | -$602.00M |
| -其他非利息收入 | $193.00M | $123.00M | $128.00M | $487.00M | $124.00M |
| -资产出售损益 | $26.00M | $70.00M | -$24.00M | -$396.00M | -$8.00M |
| 信用损失准备 | -$529.00M | -$430.00M | -$467.00M | -$1.48B | -$487.00M |
| 非利息支出 | $1.51B | $1.59B | $1.50B | $6.02B | $1.51B |
| 销售及管理费用 | $576.00M | $887.00M | $824.00M | $3.36B | $808.00M |
| -管理费用 | $576.00M | $816.00M | $764.00M | $3.10B | $740.00M |
| 折旧、摊销与折耗 | $273.00M | $326.00M | $327.00M | $1.18B | $315.00M |
| -折旧与摊销 | $273.00M | $326.00M | $327.00M | $1.18B | $315.00M |
| 其他非利息支出 | $660.00M | $340.00M | $317.00M | $1.33B | $343.00M |
| 特殊收益（费用） | $0.00 | -$2.00M | $0.00 | -$305.00M | $0.00 |
| -减：资本性资产减值 | $0.00 | $0.00 | $0.00 | $305.00M | $0.00 |
| -债务清偿收益 | $0.00 | $2.00M | – | – | – |
| 税前利润 | $567.00M | $537.00M | $400.00M | $1.05B | $386.00M |
| 税费 | $134.00M | $127.00M | $81.00M | $199.00M | $59.00M |
| 净利润 | $433.00M | $410.00M | $319.00M | $852.00M | $327.00M |
| 持续经营利润 | $433.00M | $410.00M | $319.00M | $852.00M | $327.00M |
| 终止经营净利润 | $0.00 | – | – | $0.00 | – |
| 归属母公司净利润 | $433.00M | $410.00M | $319.00M | $852.00M | $327.00M |
| 优先股股息 | $32.00M | $43.00M | $28.00M | $110.00M | $27.00M |
| 归属普通股股东净利润 | $401.00M | $367.00M | $291.00M | $742.00M | $300.00M |
| 基本每股收益 | $1.32 | $1.19 | $0.94 | $2.39 | $0.97 |
| 摊薄每股收益 | $1.30 | $1.18 | $0.93 | $2.37 | $0.95 |
| 每股股息 | $0.30 | $0.30 | $0.30 | $1.20 | $0.30 |
| -手续费及佣金 | – | $30.00M | $32.00M | $1.08B | $994.00M |
| 专业及外包服务费用 | – | $35.00M | $35.00M | $145.00M | $40.00M |
| -销售及营销费用 | – | $71.00M | $60.00M | $259.00M | $68.00M |
| 其他收入（支出） | – | $11.00M | $17.00M | -$224.00M | $17.00M |
| 联营企业及其他参股权益收益 | – | $13.00M | $17.00M | $81.00M | $17.00M |
资产负债表
| 项目 | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| 总资产 | $203.29B | $199.77B | $197.27B | $196.00B | $196.00B |
| 现金、现金等价物及联邦基金出售 | $7.84B | $9.62B | $11.23B | $11.81B | $11.81B |
| -现金及现金等价物 | $7.84B | $7.84B | $9.52B | $10.03B | $10.03B |
| 证券投资 | $27.21B | $27.79B | $27.67B | $27.54B | $27.54B |
| -可供出售证券 | $27.21B | $3.85B | $3.80B | $3.89B | $3.89B |
| 贷款净额 | $144.73B | $140.50B | $136.69B | $134.51B | $134.51B |
| -贷款总额 | $148.41B | $144.08B | $140.23B | $138.00B | $138.00B |
| -贷款及租赁损失准备 | $3.68B | $3.58B | $3.54B | $3.49B | $3.49B |
| 固定资产净值 | $8.29B | $9.79B | $9.93B | $10.03B | $10.03B |
| -固定资产原值 | $8.29B | $12.40B | $12.51B | $12.55B | $12.55B |
| 其他资产 | $15.22B | $7.46B | $7.31B | $7.53B | $7.53B |
| 负债合计 | $188.32B | $184.28B | $181.66B | $180.50B | $180.50B |
| 存款合计 | $155.80B | $154.05B | $153.15B | $151.65B | $151.65B |
| 短期债务及融资租赁负债 | $6.25B | $5.18B | $3.60B | $4.15B | $4.15B |
| -一年内到期债务 | $6.25B | $5.18B | $3.60B | $4.15B | $4.15B |
| 应付款 | $1.07B | $1.46B | $1.40B | $1.15B | $1.15B |
| -应付账款 | $1.07B | $1.46B | $1.40B | $1.15B | $1.15B |
| 长期债务及融资租赁负债 | $18.78B | $17.17B | $17.47B | $17.19B | $17.19B |
| -长期债务 | $18.78B | $17.05B | $17.35B | $17.07B | $17.07B |
| 其他负债 | $6.42B | $5.23B | $5.14B | $5.26B | $5.26B |
| 股东权益合计 | $14.97B | $15.49B | $15.61B | $15.50B | $15.50B |
| 股东权益 | $14.97B | $15.49B | $15.61B | $15.50B | $15.50B |
| 股本 | $16.94B | $24.36B | $24.67B | $24.62B | $24.62B |
| -普通股 | $14.97B | $22.39B | $22.35B | $22.30B | $22.30B |
| -优先股 | $1.98B | $1.98B | $2.32B | $2.32B | $2.32B |
| 留存收益 | $1.41B | $1.10B | $827.00M | $633.00M | $633.00M |
| 不影响留存收益的损益 | -$3.38B | -$2.71B | -$2.77B | -$2.79B | -$2.79B |
| -受限现金及投资 | – | $1.78B | $1.71B | $1.78B | $1.78B |
| -持有至到期证券 | – | $4.29B | $4.34B | $4.37B | $4.37B |
| -短期投资 | – | $19.65B | $19.54B | $19.27B | $19.27B |
| 长期股权投资 | – | $754.00M | $741.00M | $715.00M | $715.00M |
| 应收款 | – | $1.26B | $1.14B | $1.34B | $1.34B |
| -应收账款 | – | $950.00M | $930.00M | $941.00M | $941.00M |
| -其他应收款 | – | $309.00M | $210.00M | $403.00M | $403.00M |
| -累计折旧 | – | -$2.60B | -$2.58B | -$2.52B | -$2.52B |
| 商誉及其他无形资产 | – | $190.00M | $190.00M | $190.00M | $190.00M |
| -商誉 | – | $190.00M | $190.00M | $190.00M | $190.00M |
| 递延资产 | – | $2.40B | $2.37B | $2.33B | $2.33B |
| 联邦基金购入及回购协议下证券出售 | – | $741.00M | $526.00M | $545.00M | $545.00M |
| -长期融资租赁负债 | – | $114.00M | $121.00M | $124.00M | $124.00M |
| 员工福利 | – | $335.00M | $242.00M | $417.00M | $417.00M |
| 一年以上递延负债 | – | $128.00M | $135.00M | $141.00M | $141.00M |
| 减：库存股 | – | $7.26B | $7.12B | $6.97B | $6.97B |
现金流量表
| 项目 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| 经营活动现金流 | $1.35B | $1.37B | $3.73B | $640.00M | $1.20B |
| 持续经营经营活动现金流净额 | $1.35B | $1.37B | $3.73B | $640.00M | $1.20B |
| 持续经营净利润 | $410.00M | $319.00M | $852.00M | $327.00M | $398.00M |
| 持续经营损益 | -$39.00M | -$35.00M | $447.00M | $10.00M | -$26.00M |
| 折旧、折耗与摊销 | $378.00M | $378.00M | $1.40B | $369.00M | $338.00M |
| 其他非现金项目 | -$84.00M | -$41.00M | $101.00M | -$12.00M | -$19.00M |
| 营运资金变动 | $287.00M | $224.00M | -$799.00M | -$539.00M | $123.00M |
| -应付账款及应计费用变动 | $43.00M | $123.00M | -$161.00M | -$368.00M | $185.00M |
| -递延费用变动 | $23.00M | $22.00M | -$534.00M | -$168.00M | -$117.00M |
| -其他流动资产变动 | $30.00M | $71.00M | -$308.00M | -$81.00M | -$74.00M |
| -其他流动负债变动 | $160.00M | -$80.00M | -$33.00M | -$43.00M | $125.00M |
| -Change in Other Working Capital | $31.00M | $88.00M | $237.00M | $121.00M | $4.00M |
| 投资活动现金流净额 | -$4.60B | -$3.04B | -$5.26B | -$4.45B | -$2.38B |
| 持续经营投资活动现金流净额 | -$4.60B | -$3.04B | -$5.26B | -$4.45B | -$2.38B |
| 固定资产购置及出售净额 | -$149.00M | -$231.00M | -$1.69B | -$416.00M | -$829.00M |
| 投资购置及出售净额 | -$130.00M | -$49.00M | $577.00M | -$109.00M | $299.00M |
| 贷款净收益 | -$4.20B | -$2.64B | -$5.96B | -$3.75B | -$1.73B |
| 其他投资变动净额 | -$117.00M | -$126.00M | -$600.00M | -$180.00M | -$122.00M |
| 筹资活动现金流 | $1.64B | $1.10B | $1.96B | $4.01B | $1.28B |
| 持续经营筹资活动现金流净额 | $1.64B | $1.10B | $1.96B | $4.01B | $1.28B |
| 存款增减 | $803.00M | $1.68B | -$58.00M | $3.04B | $527.00M |
| Net Issuance Payments of Debt | $1.47B | -$312.00M | $2.56B | $1.12B | $874.00M |
| 普通股发行净额 | -$148.00M | -$147.00M | -$59.00M | -$23.00M | -$1.00M |
| 已付现金股利 | -$120.00M | -$130.00M | -$489.00M | -$121.00M | -$120.00M |
| 期末现金余额 | $9.62B | $11.23B | $11.81B | $11.81B | $11.60B |
| 现金净变动 | -$1.60B | -$577.00M | $421.00M | $202.00M | $101.00M |
| 期初现金余额 | $11.23B | $11.81B | $11.38B | $11.60B | $11.51B |
| 汇率变动影响 | -$4.00M | -$3.00M | $8.00M | $3.00M | -$5.00M |
| 自由现金流 | $629.00M | $666.00M | -$546.00M | -$251.00M | -$282.00M |
| 业务购买及出售净额 | – | – | $2.41B | $0.00 | $0.00 |
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