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BYLINE BANCORP, INC.（BY）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BYLINE BANCORP, INC.的1.9倍（$212.2M vs $112.4M），BYLINE BANCORP, INC.净利率更高（33.4% vs 18.8%，领先14.6%），BYLINE BANCORP, 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 6.4%）
Byline Bank是总部位于美国伊利诺伊州芝加哥的银行，为银行控股公司Byline Bancorp, Inc.的核心子公司，同时是全美SBA 7(a)贷款项目的第四大放贷机构，为客户提供专业的银行及融资相关服务。
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。
BY vs RAMP — 直观对比
营收规模更大
RAMP
是对方的1.9倍
$112.4M
营收增速更快
BY
高出0.5%
8.6%
净利率更高
BY
高出14.6%
18.8%
两年增速更快
RAMP
近两年复合增速
6.4%
损益表 — Q1 FY2026 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $112.4M | $212.2M |
| 净利润 | $37.6M | $39.9M |
| 毛利率 | — | 71.9% |
| 营业利润率 | — | 18.6% |
| 净利率 | 33.4% | 18.8% |
| 营收同比 | 9.0% | 8.6% |
| 净利润同比 | 33.0% | 255.7% |
| 每股收益（稀释后） | $0.83 | $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BYRAMP
| Q1 26 | $112.4M | — | ||
| Q4 25 | $117.0M | $212.2M | ||
| Q3 25 | $115.7M | $199.8M | ||
| Q2 25 | $110.5M | $194.8M | ||
| Q1 25 | $103.1M | $188.7M | ||
| Q4 24 | $104.7M | $195.4M | ||
| Q3 24 | $101.8M | $185.5M | ||
| Q2 24 | $99.4M | $176.0M |
净利润BYRAMP
| Q1 26 | $37.6M | — | ||
| Q4 25 | $34.5M | $39.9M | ||
| Q3 25 | $37.2M | $27.4M | ||
| Q2 25 | $30.1M | $7.7M | ||
| Q1 25 | $28.2M | $-6.3M | ||
| Q4 24 | $30.3M | $11.2M | ||
| Q3 24 | $30.3M | $1.7M | ||
| Q2 24 | $29.7M | $-7.5M |
毛利率BYRAMP
| Q1 26 | — | — | ||
| 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% |
营业利润率BYRAMP
| Q1 26 | — | — | ||
| Q4 25 | 40.1% | 18.6% | ||
| Q3 25 | 43.1% | 10.7% | ||
| Q2 25 | 35.2% | 3.7% | ||
| Q1 25 | 36.4% | -6.1% | ||
| Q4 24 | 38.6% | 7.5% | ||
| Q3 24 | 39.3% | 4.0% | ||
| Q2 24 | 40.4% | -3.0% |
净利率BYRAMP
| Q1 26 | 33.4% | — | ||
| Q4 25 | 34.1% | 18.8% | ||
| Q3 25 | 32.1% | 13.7% | ||
| Q2 25 | 27.2% | 4.0% | ||
| Q1 25 | 27.4% | -3.3% | ||
| Q4 24 | 34.3% | 5.7% | ||
| Q3 24 | 29.8% | 0.9% | ||
| Q2 24 | 29.9% | -4.3% |
每股收益（稀释后）BYRAMP
| Q1 26 | $0.83 | — | ||
| Q4 25 | $0.77 | $0.62 | ||
| Q3 25 | $0.82 | $0.42 | ||
| Q2 25 | $0.66 | $0.12 | ||
| Q1 25 | $0.64 | $-0.10 | ||
| Q4 24 | $0.68 | $0.17 | ||
| Q3 24 | $0.69 | $0.03 | ||
| Q2 24 | $0.68 | $-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 | $198.4M | $403.4M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $1.3B | $962.3M |
| 总资产 | $9.9B | $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BYRAMP
| Q1 26 | $198.4M | — | ||
| Q4 25 | $149.1M | $403.4M | ||
| Q3 25 | $259.0M | $376.9M | ||
| Q2 25 | $218.3M | $371.1M | ||
| Q1 25 | $421.3M | $420.8M | ||
| Q4 24 | $563.1M | $384.3M | ||
| Q3 24 | $452.6M | $348.4M | ||
| Q2 24 | $730.5M | $342.7M |
股东权益BYRAMP
| Q1 26 | $1.3B | — | ||
| Q4 25 | $1.3B | $962.3M | ||
| Q3 25 | $1.2B | $943.8M | ||
| Q2 25 | $1.2B | $947.8M | ||
| Q1 25 | $1.1B | $948.9M | ||
| Q4 24 | $1.1B | $957.7M | ||
| Q3 24 | $1.1B | $932.1M | ||
| Q2 24 | $1.0B | $951.9M |
总资产BYRAMP
| Q1 26 | $9.9B | — | ||
| Q4 25 | $9.7B | $1.3B | ||
| Q3 25 | $9.8B | $1.2B | ||
| Q2 25 | $9.7B | $1.2B | ||
| Q1 25 | $9.6B | $1.3B | ||
| Q4 24 | $9.5B | $1.3B | ||
| Q3 24 | $9.4B | $1.2B | ||
| Q2 24 | $9.6B | $1.2B |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
