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BankUnited, Inc.（BKU）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
BankUnited, Inc.的季度营收约是LiveRamp Holdings, Inc.的1.4倍（$288.2M vs $212.2M），BankUnited, Inc.同比增速更快（9.0% vs 8.6%），过去两年LiveRamp Holdings, Inc.的营收复合增速更高（11.1% vs 9.2%）
BankUnited, Inc.是美国国民银行BankUnited, N.A.的控股公司，成立于1984年，总部位于佛罗里达州迈阿密莱克斯。业务覆盖佛罗里达州、佐治亚州亚特兰大及周边、得克萨斯州达拉斯、新泽西州莫里斯敦、北卡罗来纳州夏洛特，以及纽约大都会区，还通过全国性平台提供部分商业贷款和存款产品，截至2025年12月31日总资产达350亿美元。
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。
BKU vs RAMP — 直观对比
营收规模更大
BKU
是对方的1.4倍
$212.2M
营收增速更快
BKU
高出0.4%
8.6%
两年增速更快
RAMP
近两年复合增速
9.2%
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $288.2M | $212.2M |
| 净利润 | — | $39.9M |
| 毛利率 | — | 71.9% |
| 营业利润率 | 31.2% | 18.6% |
| 净利率 | — | 18.8% |
| 营收同比 | 9.0% | 8.6% |
| 净利润同比 | — | 255.7% |
| 每股收益（稀释后） | $0.89 | $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BKURAMP
| Q4 25 | $288.2M | $212.2M | ||
| Q3 25 | $275.7M | $199.8M | ||
| Q2 25 | $273.9M | $194.8M | ||
| Q1 25 | $255.4M | $188.7M | ||
| Q4 24 | $264.5M | $195.4M | ||
| Q3 24 | $257.0M | $185.5M | ||
| Q2 24 | $250.2M | $176.0M | ||
| Q1 24 | $241.7M | $171.9M |
净利润BKURAMP
| Q4 25 | — | $39.9M | ||
| Q3 25 | $71.9M | $27.4M | ||
| Q2 25 | $68.8M | $7.7M | ||
| Q1 25 | $58.5M | $-6.3M | ||
| Q4 24 | — | $11.2M | ||
| Q3 24 | $61.5M | $1.7M | ||
| Q2 24 | $53.7M | $-7.5M | ||
| Q1 24 | $48.0M | $-5.4M |
毛利率BKURAMP
| 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BKURAMP
| Q4 25 | 31.2% | 18.6% | ||
| Q3 25 | 35.5% | 10.7% | ||
| Q2 25 | 34.3% | 3.7% | ||
| Q1 25 | 31.4% | -6.1% | ||
| Q4 24 | 35.2% | 7.5% | ||
| Q3 24 | 32.4% | 4.0% | ||
| Q2 24 | 29.2% | -3.0% | ||
| Q1 24 | 27.8% | -8.3% |
净利率BKURAMP
| Q4 25 | — | 18.8% | ||
| Q3 25 | 26.1% | 13.7% | ||
| Q2 25 | 25.1% | 4.0% | ||
| Q1 25 | 22.9% | -3.3% | ||
| Q4 24 | — | 5.7% | ||
| Q3 24 | 23.9% | 0.9% | ||
| Q2 24 | 21.5% | -4.3% | ||
| Q1 24 | 19.8% | -3.1% |
每股收益（稀释后）BKURAMP
| Q4 25 | $0.89 | $0.62 | ||
| Q3 25 | $0.95 | $0.42 | ||
| Q2 25 | $0.91 | $0.12 | ||
| Q1 25 | $0.78 | $-0.10 | ||
| Q4 24 | $0.91 | $0.17 | ||
| Q3 24 | $0.81 | $0.03 | ||
| Q2 24 | $0.72 | $-0.11 | ||
| Q1 24 | $0.64 | $-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 | $217.8M | $403.4M |
| 总债务越低越好 | $319.7M | — |
| 股东权益账面价值 | $3.1B | $962.3M |
| 总资产 | $35.0B | $1.3B |
| 负债/权益比越低杠杆越低 | 0.10× | — |
8季度趋势，按日历期对齐
现金及短期投资BKURAMP
| Q4 25 | $217.8M | $403.4M | ||
| Q3 25 | $559.5M | $376.9M | ||
| Q2 25 | $801.3M | $371.1M | ||
| Q1 25 | $443.7M | $420.8M | ||
| Q4 24 | $491.1M | $384.3M | ||
| Q3 24 | $889.9M | $348.4M | ||
| Q2 24 | $433.5M | $342.7M | ||
| Q1 24 | $421.2M | $368.9M |
总债务BKURAMP
| Q4 25 | $319.7M | — | ||
| Q3 25 | $320.4M | — | ||
| Q2 25 | $708.9M | — | ||
| Q1 25 | $709.1M | — | ||
| Q4 24 | $708.6M | — | ||
| Q3 24 | $708.7M | — | ||
| Q2 24 | $708.8M | — | ||
| Q1 24 | $709.0M | — |
股东权益BKURAMP
| Q4 25 | $3.1B | $962.3M | ||
| Q3 25 | $3.0B | $943.8M | ||
| Q2 25 | $3.0B | $947.8M | ||
| Q1 25 | $2.9B | $948.9M | ||
| Q4 24 | $2.8B | $957.7M | ||
| Q3 24 | $2.8B | $932.1M | ||
| Q2 24 | $2.7B | $951.9M | ||
| Q1 24 | $2.6B | $949.1M |
总资产BKURAMP
| Q4 25 | $35.0B | $1.3B | ||
| Q3 25 | $35.1B | $1.2B | ||
| Q2 25 | $35.5B | $1.2B | ||
| Q1 25 | $34.8B | $1.3B | ||
| Q4 24 | $35.2B | $1.3B | ||
| Q3 24 | $35.8B | $1.2B | ||
| Q2 24 | $35.4B | $1.2B | ||
| Q1 24 | $35.1B | $1.2B |
负债/权益比BKURAMP
| Q4 25 | 0.10× | — | ||
| Q3 25 | 0.11× | — | ||
| Q2 25 | 0.24× | — | ||
| Q1 25 | 0.24× | — | ||
| Q4 24 | 0.25× | — | ||
| Q3 24 | 0.25× | — | ||
| Q2 24 | 0.26× | — | ||
| Q1 24 | 0.27× | — |
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 | $358.6M | — |
| 自由现金流经营现金流 - 资本支出 | — | — |
| 自由现金流率自由现金流/营收 | — | — |
| 资本支出强度资本支出/营收 | — | 0.1% |
| 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 | — | — |
8季度趋势，按日历期对齐
经营现金流BKURAMP
| Q4 25 | $358.6M | — | ||
| Q3 25 | $99.7M | $57.4M | ||
| Q2 25 | $117.6M | $-15.8M | ||
| Q1 25 | $16.4M | — | ||
| Q4 24 | $433.8M | $45.1M | ||
| Q3 24 | $46.1M | $55.6M | ||
| Q2 24 | $135.7M | $-9.3M | ||
| Q1 24 | $66.5M | — |
自由现金流BKURAMP
| Q4 25 | — | — | ||
| Q3 25 | — | $56.8M | ||
| Q2 25 | — | $-16.2M | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $44.8M | ||
| Q3 24 | — | $55.4M | ||
| Q2 24 | — | $-9.6M | ||
| Q1 24 | — | — |
自由现金流率BKURAMP
| Q4 25 | — | — | ||
| Q3 25 | — | 28.4% | ||
| Q2 25 | — | -8.3% | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 22.9% | ||
| Q3 24 | — | 29.8% | ||
| Q2 24 | — | -5.4% | ||
| Q1 24 | — | — |
资本支出强度BKURAMP
| Q4 25 | — | 0.1% | ||
| Q3 25 | — | 0.3% | ||
| Q2 25 | — | 0.2% | ||
| Q1 25 | — | 0.2% | ||
| Q4 24 | — | 0.1% | ||
| Q3 24 | — | 0.1% | ||
| Q2 24 | — | 0.1% | ||
| Q1 24 | — | 1.0% |
现金转化率BKURAMP
| Q4 25 | — | — | ||
| Q3 25 | 1.39× | 2.09× | ||
| Q2 25 | 1.71× | -2.04× | ||
| Q1 25 | 0.28× | — | ||
| Q4 24 | — | 4.02× | ||
| Q3 24 | 0.75× | 32.10× | ||
| Q2 24 | 2.53× | — | ||
| Q1 24 | 1.39× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
