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Bowhead Specialty Holdings Inc.（BOW）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Bowhead Specialty Holdings Inc.的1.4倍（$212.2M vs $151.7M），LiveRamp Holdings, Inc.净利率更高（18.8% vs 9.8%，领先9.0%）
Bowhead Specialty Holdings Inc.是一家专业保险控股企业，主营财产及意外伤害保险产品，聚焦北美地区服务不足的小众细分市场，为商业和个人客户提供定制化风险管理方案与专属保险保障服务。
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。
BOW vs RAMP — 直观对比
营收规模更大
RAMP
是对方的1.4倍
$151.7M
净利率更高
RAMP
高出9.0%
9.8%
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $151.7M | $212.2M |
| 净利润 | $14.8M | $39.9M |
| 毛利率 | — | 71.9% |
| 营业利润率 | 11.7% | 18.6% |
| 净利率 | 9.8% | 18.8% |
| 营收同比 | — | 8.6% |
| 净利润同比 | — | 255.7% |
| 每股收益（稀释后） | $0.44 | $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BOWRAMP
| Q4 25 | $151.7M | $212.2M | ||
| Q3 25 | $143.9M | $199.8M | ||
| Q2 25 | $133.3M | $194.8M | ||
| Q1 25 | $122.7M | $188.7M | ||
| Q4 24 | — | $195.4M | ||
| Q3 24 | $116.8M | $185.5M | ||
| Q2 24 | $98.9M | $176.0M | ||
| Q1 24 | — | $171.9M |
净利润BOWRAMP
| Q4 25 | $14.8M | $39.9M | ||
| Q3 25 | $15.2M | $27.4M | ||
| Q2 25 | $12.3M | $7.7M | ||
| Q1 25 | $11.4M | $-6.3M | ||
| Q4 24 | — | $11.2M | ||
| Q3 24 | $12.1M | $1.7M | ||
| Q2 24 | $5.5M | $-7.5M | ||
| Q1 24 | — | $-5.4M |
毛利率BOWRAMP
| 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BOWRAMP
| Q4 25 | 11.7% | 18.6% | ||
| Q3 25 | 13.3% | 10.7% | ||
| Q2 25 | 11.9% | 3.7% | ||
| Q1 25 | 11.8% | -6.1% | ||
| Q4 24 | — | 7.5% | ||
| Q3 24 | 13.5% | 4.0% | ||
| Q2 24 | 7.5% | -3.0% | ||
| Q1 24 | — | -8.3% |
净利率BOWRAMP
| Q4 25 | 9.8% | 18.8% | ||
| Q3 25 | 10.5% | 13.7% | ||
| Q2 25 | 9.3% | 4.0% | ||
| Q1 25 | 9.3% | -3.3% | ||
| Q4 24 | — | 5.7% | ||
| Q3 24 | 10.4% | 0.9% | ||
| Q2 24 | 5.6% | -4.3% | ||
| Q1 24 | — | -3.1% |
每股收益（稀释后）BOWRAMP
| Q4 25 | $0.44 | $0.62 | ||
| Q3 25 | $0.45 | $0.42 | ||
| Q2 25 | $0.36 | $0.12 | ||
| Q1 25 | $0.34 | $-0.10 | ||
| Q4 24 | — | $0.17 | ||
| Q3 24 | $0.36 | $0.03 | ||
| Q2 24 | $0.20 | $-0.11 | ||
| Q1 24 | — | $-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 | $193.5M | $403.4M |
| 总债务越低越好 | $146.4M | — |
| 股东权益账面价值 | $448.3M | $962.3M |
| 总资产 | $2.4B | $1.3B |
| 负债/权益比越低杠杆越低 | 0.33× | — |
8季度趋势，按日历期对齐
现金及短期投资BOWRAMP
| Q4 25 | $193.5M | $403.4M | ||
| Q3 25 | $197.9M | $376.9M | ||
| Q2 25 | $114.8M | $371.1M | ||
| Q1 25 | $88.0M | $420.8M | ||
| Q4 24 | — | $384.3M | ||
| Q3 24 | $132.9M | $348.4M | ||
| Q2 24 | $180.3M | $342.7M | ||
| Q1 24 | — | $368.9M |
总债务BOWRAMP
| Q4 25 | $146.4M | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益BOWRAMP
| Q4 25 | $448.3M | $962.3M | ||
| Q3 25 | $430.2M | $943.8M | ||
| Q2 25 | $407.2M | $947.8M | ||
| Q1 25 | $391.0M | $948.9M | ||
| Q4 24 | — | $957.7M | ||
| Q3 24 | $364.7M | $932.1M | ||
| Q2 24 | $339.9M | $951.9M | ||
| Q1 24 | — | $949.1M |
总资产BOWRAMP
| Q4 25 | $2.4B | $1.3B | ||
| Q3 25 | $2.1B | $1.2B | ||
| Q2 25 | $1.9B | $1.2B | ||
| Q1 25 | $1.8B | $1.3B | ||
| Q4 24 | — | $1.3B | ||
| Q3 24 | $1.5B | $1.2B | ||
| Q2 24 | $1.4B | $1.2B | ||
| Q1 24 | — | $1.2B |
负债/权益比BOWRAMP
| Q4 25 | 0.33× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $331.6M | — |
| 自由现金流经营现金流 - 资本支出 | $326.0M | — |
| 自由现金流率自由现金流/营收 | 214.9% | — |
| 资本支出强度资本支出/营收 | 3.7% | 0.1% |
| 现金转化率经营现金流/净利润 | 22.34× | — |
| 过去12个月自由现金流最近4个季度 | $593.4M | — |
8季度趋势，按日历期对齐
经营现金流BOWRAMP
| Q4 25 | $331.6M | — | ||
| Q3 25 | $114.7M | $57.4M | ||
| Q2 25 | $109.0M | $-15.8M | ||
| Q1 25 | $47.7M | — | ||
| Q4 24 | — | $45.1M | ||
| Q3 24 | $119.4M | $55.6M | ||
| Q2 24 | — | $-9.3M | ||
| Q1 24 | — | — |
自由现金流BOWRAMP
| Q4 25 | $326.0M | — | ||
| Q3 25 | $113.5M | $56.8M | ||
| Q2 25 | $107.4M | $-16.2M | ||
| Q1 25 | $46.5M | — | ||
| Q4 24 | — | $44.8M | ||
| Q3 24 | $118.4M | $55.4M | ||
| Q2 24 | — | $-9.6M | ||
| Q1 24 | — | — |
自由现金流率BOWRAMP
| Q4 25 | 214.9% | — | ||
| Q3 25 | 78.8% | 28.4% | ||
| Q2 25 | 80.6% | -8.3% | ||
| Q1 25 | 37.9% | — | ||
| Q4 24 | — | 22.9% | ||
| Q3 24 | 101.4% | 29.8% | ||
| Q2 24 | — | -5.4% | ||
| Q1 24 | — | — |
资本支出强度BOWRAMP
| Q4 25 | 3.7% | 0.1% | ||
| Q3 25 | 0.9% | 0.3% | ||
| Q2 25 | 1.2% | 0.2% | ||
| Q1 25 | 1.0% | 0.2% | ||
| Q4 24 | — | 0.1% | ||
| Q3 24 | 0.9% | 0.1% | ||
| Q2 24 | — | 0.1% | ||
| Q1 24 | — | 1.0% |
现金转化率BOWRAMP
| Q4 25 | 22.34× | — | ||
| Q3 25 | 7.56× | 2.09× | ||
| Q2 25 | 8.83× | -2.04× | ||
| Q1 25 | 4.18× | — | ||
| Q4 24 | — | 4.02× | ||
| Q3 24 | 9.88× | 32.10× | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
