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Amerant Bancorp Inc.（AMTB）与LiveRamp Holdings, Inc.（RAMP）财务数据对比。点击上方公司名可切换其他公司
LiveRamp Holdings, Inc.的季度营收约是Amerant Bancorp Inc.的1.9倍（$212.2M vs $112.2M），LiveRamp Holdings, Inc.净利率更高（18.8% vs 3.0%，领先15.8%），LiveRamp Holdings, Inc.同比增速更快（8.6% vs 2.9%），过去两年LiveRamp Holdings, Inc.的营收复合增速更高（11.1% vs 10.1%）
阿梅兰特银行是一家注册于美国佛罗里达州的本土银行，总部坐落于佛罗里达州科勒尔盖布尔斯。目前该行在佛罗里达州共设有19家实体分行，通过自有运营及合作网络可提供超过5.5万台ATM的取款服务。
LiveRamp Holdings, Inc.是一家美国SaaS企业，核心业务为提供数据连接平台，服务涵盖数据导入、线下数据线上迁移等能力，助力企业开展营销相关的数据应用，为品牌及营销从业者的数字化运营提供技术支撑。
AMTB vs RAMP — 直观对比
营收规模更大
RAMP
是对方的1.9倍
$112.2M
营收增速更快
RAMP
高出5.7%
2.9%
净利率更高
RAMP
高出15.8%
3.0%
两年增速更快
RAMP
近两年复合增速
10.1%
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $112.2M | $212.2M |
| 净利润 | $2.7M | $39.9M |
| 毛利率 | — | 71.9% |
| 营业利润率 | 1.7% | 18.6% |
| 净利率 | 3.0% | 18.8% |
| 营收同比 | 2.9% | 8.6% |
| 净利润同比 | -84.0% | 255.7% |
| 每股收益（稀释后） | $0.08 | $0.62 |
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AMTBRAMP
| Q4 25 | $112.2M | $212.2M | ||
| Q3 25 | $111.4M | $199.8M | ||
| Q2 25 | $110.3M | $194.8M | ||
| Q1 25 | $105.4M | $188.7M | ||
| Q4 24 | $87.6M | $195.4M | ||
| Q3 24 | $33.3M | $185.5M | ||
| Q2 24 | $98.8M | $176.0M | ||
| Q1 24 | $92.5M | $171.9M |
净利润AMTBRAMP
| Q4 25 | $2.7M | $39.9M | ||
| Q3 25 | $14.8M | $27.4M | ||
| Q2 25 | $23.0M | $7.7M | ||
| Q1 25 | $12.0M | $-6.3M | ||
| Q4 24 | $16.9M | $11.2M | ||
| Q3 24 | $-48.2M | $1.7M | ||
| Q2 24 | $5.0M | $-7.5M | ||
| Q1 24 | $10.6M | $-5.4M |
毛利率AMTBRAMP
| Q4 25 | — | 71.9% | ||
| Q3 25 | — | 70.2% | ||
| Q2 25 | — | 70.1% | ||
| Q1 25 | — | 69.3% | ||
| Q4 24 | — | 71.9% | ||
| Q3 24 | — | 72.4% | ||
| Q2 24 | — | 70.6% | ||
| Q1 24 | — | 72.2% |
营业利润率AMTBRAMP
| Q4 25 | 1.7% | 18.6% | ||
| Q3 25 | 17.1% | 10.7% | ||
| Q2 25 | 27.0% | 3.7% | ||
| Q1 25 | 14.6% | -6.1% | ||
| Q4 24 | 20.6% | 7.5% | ||
| Q3 24 | -185.8% | 4.0% | ||
| Q2 24 | 6.4% | -3.0% | ||
| Q1 24 | 14.6% | -8.3% |
净利率AMTBRAMP
| Q4 25 | 3.0% | 18.8% | ||
| Q3 25 | 13.2% | 13.7% | ||
| Q2 25 | 20.9% | 4.0% | ||
| Q1 25 | 11.3% | -3.3% | ||
| Q4 24 | 19.3% | 5.7% | ||
| Q3 24 | -144.6% | 0.9% | ||
| Q2 24 | 5.0% | -4.3% | ||
| Q1 24 | 11.4% | -3.1% |
每股收益（稀释后）AMTBRAMP
| Q4 25 | $0.08 | $0.62 | ||
| Q3 25 | $0.35 | $0.42 | ||
| Q2 25 | $0.55 | $0.12 | ||
| Q1 25 | $0.28 | $-0.10 | ||
| Q4 24 | $0.53 | $0.17 | ||
| Q3 24 | $-1.43 | $0.03 | ||
| Q2 24 | $0.15 | $-0.11 | ||
| Q1 24 | $0.31 | $-0.09 |
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 | — | $403.4M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $938.8M | $962.3M |
| 总资产 | $9.8B | $1.3B |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
现金及短期投资AMTBRAMP
| Q4 25 | — | $403.4M | ||
| Q3 25 | — | $376.9M | ||
| Q2 25 | — | $371.1M | ||
| Q1 25 | — | $420.8M | ||
| Q4 24 | — | $384.3M | ||
| Q3 24 | — | $348.4M | ||
| Q2 24 | — | $342.7M | ||
| Q1 24 | — | $368.9M |
股东权益AMTBRAMP
| Q4 25 | $938.8M | $962.3M | ||
| Q3 25 | $944.9M | $943.8M | ||
| Q2 25 | $924.3M | $947.8M | ||
| Q1 25 | $906.3M | $948.9M | ||
| Q4 24 | $890.5M | $957.7M | ||
| Q3 24 | $902.9M | $932.1M | ||
| Q2 24 | $734.3M | $951.9M | ||
| Q1 24 | $738.1M | $949.1M |
总资产AMTBRAMP
| Q4 25 | $9.8B | $1.3B | ||
| Q3 25 | $10.4B | $1.2B | ||
| Q2 25 | $10.3B | $1.2B | ||
| Q1 25 | $10.2B | $1.3B | ||
| Q4 24 | $9.9B | $1.3B | ||
| Q3 24 | $10.4B | $1.2B | ||
| Q2 24 | $9.7B | $1.2B | ||
| Q1 24 | $9.8B | $1.2B |
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 | $137.0M | — |
| 自由现金流经营现金流 - 资本支出 | $129.2M | — |
| 自由现金流率自由现金流/营收 | 115.2% | — |
| 资本支出强度资本支出/营收 | 6.9% | 0.1% |
| 现金转化率经营现金流/净利润 | 50.71× | — |
| 过去12个月自由现金流最近4个季度 | $225.2M | — |
8季度趋势，按日历期对齐
经营现金流AMTBRAMP
| Q4 25 | $137.0M | — | ||
| Q3 25 | $22.7M | $57.4M | ||
| Q2 25 | $57.6M | $-15.8M | ||
| Q1 25 | $20.2M | — | ||
| Q4 24 | $82.2M | $45.1M | ||
| Q3 24 | $4.2M | $55.6M | ||
| Q2 24 | $-2.3M | $-9.3M | ||
| Q1 24 | $2.8M | — |
自由现金流AMTBRAMP
| Q4 25 | $129.2M | — | ||
| Q3 25 | $21.7M | $56.8M | ||
| Q2 25 | $56.3M | $-16.2M | ||
| Q1 25 | $18.0M | — | ||
| Q4 24 | $74.8M | $44.8M | ||
| Q3 24 | $2.6M | $55.4M | ||
| Q2 24 | $-3.9M | $-9.6M | ||
| Q1 24 | $-694.0K | — |
自由现金流率AMTBRAMP
| Q4 25 | 115.2% | — | ||
| Q3 25 | 19.5% | 28.4% | ||
| Q2 25 | 51.0% | -8.3% | ||
| Q1 25 | 17.1% | — | ||
| Q4 24 | 85.3% | 22.9% | ||
| Q3 24 | 7.8% | 29.8% | ||
| Q2 24 | -3.9% | -5.4% | ||
| Q1 24 | -0.8% | — |
资本支出强度AMTBRAMP
| Q4 25 | 6.9% | 0.1% | ||
| Q3 25 | 0.9% | 0.3% | ||
| Q2 25 | 1.2% | 0.2% | ||
| Q1 25 | 2.1% | 0.2% | ||
| Q4 24 | 8.4% | 0.1% | ||
| Q3 24 | 4.8% | 0.1% | ||
| Q2 24 | 1.5% | 0.1% | ||
| Q1 24 | 3.8% | 1.0% |
现金转化率AMTBRAMP
| Q4 25 | 50.71× | — | ||
| Q3 25 | 1.54× | 2.09× | ||
| Q2 25 | 2.50× | -2.04× | ||
| Q1 25 | 1.69× | — | ||
| Q4 24 | 4.87× | 4.02× | ||
| Q3 24 | — | 32.10× | ||
| Q2 24 | -0.47× | — | ||
| Q1 24 | 0.26× | — |
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
AMTB
| Other | $58.0M | 52% |
| Commercial Portfolio Segment | $25.7M | 23% |
| Commercial Real Estate Portfolio Segment | $17.3M | 15% |
| Consumer Portfolio Segment | $11.1M | 10% |
RAMP
暂无分部数据
