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CATHAY GENERAL BANCORP（CATY）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
CATHAY GENERAL BANCORP的季度营收约是LiveRamp Holdings, Inc.的1.1倍（$222.8M vs $212.2M），CATHAY GENERAL BANCORP净利率更高（653.4% vs 18.8%，领先634.6%），CATHAY GENERAL BANCORP同比增速更快（19.5% vs 8.6%），过去两年CATHAY GENERAL BANCORP的营收复合增速更高（12.8% vs 11.1%）
国泰万通金控是总部位于美国的银行控股公司，旗下运营国泰银行，面向亚裔社区、中小企业提供个人及商业存贷款、财富管理等金融服务，业务覆盖加州、纽约、得州等美国多州及部分亚洲市场。
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。
CATY vs RAMP — 直观对比
营收规模更大
CATY
是对方的1.1倍
$212.2M
营收增速更快
CATY
高出10.9%
8.6%
净利率更高
CATY
高出634.6%
18.8%
两年增速更快
CATY
近两年复合增速
11.1%
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $222.8M | $212.2M |
| 净利润 | $90.5M | $39.9M |
| 毛利率 | — | 71.9% |
| 营业利润率 | 50.9% | 18.6% |
| 净利率 | 653.4% | 18.8% |
| 营收同比 | 19.5% | 8.6% |
| 净利润同比 | 12.9% | 255.7% |
| 每股收益（稀释后） | $1.33 | $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CATYRAMP
| Q4 25 | $222.8M | $212.2M | ||
| Q3 25 | $210.6M | $199.8M | ||
| Q2 25 | $196.6M | $194.8M | ||
| Q1 25 | $187.8M | $188.7M | ||
| Q4 24 | $186.5M | $195.4M | ||
| Q3 24 | $189.5M | $185.5M | ||
| Q2 24 | $178.5M | $176.0M | ||
| Q1 24 | $175.2M | $171.9M |
净利润CATYRAMP
| Q4 25 | $90.5M | $39.9M | ||
| Q3 25 | $77.7M | $27.4M | ||
| Q2 25 | $77.5M | $7.7M | ||
| Q1 25 | $69.5M | $-6.3M | ||
| Q4 24 | $80.2M | $11.2M | ||
| Q3 24 | $67.5M | $1.7M | ||
| Q2 24 | $66.8M | $-7.5M | ||
| Q1 24 | $71.4M | $-5.4M |
毛利率CATYRAMP
| 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CATYRAMP
| Q4 25 | 50.9% | 18.6% | ||
| Q3 25 | 44.5% | 10.7% | ||
| Q2 25 | 49.0% | 3.7% | ||
| Q1 25 | 46.1% | -6.1% | ||
| Q4 24 | 46.5% | 7.5% | ||
| Q3 24 | 41.2% | 4.0% | ||
| Q2 24 | 40.7% | -3.0% | ||
| Q1 24 | 45.7% | -8.3% |
净利率CATYRAMP
| Q4 25 | 653.4% | 18.8% | ||
| Q3 25 | 36.9% | 13.7% | ||
| Q2 25 | 39.4% | 4.0% | ||
| Q1 25 | 37.0% | -3.3% | ||
| Q4 24 | 587.9% | 5.7% | ||
| Q3 24 | 35.6% | 0.9% | ||
| Q2 24 | 37.4% | -4.3% | ||
| Q1 24 | 40.8% | -3.1% |
每股收益（稀释后）CATYRAMP
| Q4 25 | $1.33 | $0.62 | ||
| Q3 25 | $1.13 | $0.42 | ||
| Q2 25 | $1.10 | $0.12 | ||
| Q1 25 | $0.98 | $-0.10 | ||
| Q4 24 | $1.11 | $0.17 | ||
| Q3 24 | $0.94 | $0.03 | ||
| Q2 24 | $0.92 | $-0.11 | ||
| Q1 24 | $0.98 | $-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 | $119.1M | — |
| 股东权益账面价值 | $2.9B | $962.3M |
| 总资产 | $24.2B | $1.3B |
| 负债/权益比越低杠杆越低 | 0.04× | — |
8季度趋势，按日历期对齐
现金及短期投资CATYRAMP
| 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 |
总债务CATYRAMP
| Q4 25 | $119.1M | — | ||
| Q3 25 | $119.1M | — | ||
| Q2 25 | $119.1M | — | ||
| Q1 25 | $119.1M | — | ||
| Q4 24 | $119.1M | — | ||
| Q3 24 | $119.1M | — | ||
| Q2 24 | $119.1M | — | ||
| Q1 24 | $119.1M | — |
股东权益CATYRAMP
| Q4 25 | $2.9B | $962.3M | ||
| Q3 25 | $2.9B | $943.8M | ||
| Q2 25 | $2.9B | $947.8M | ||
| Q1 25 | $2.9B | $948.9M | ||
| Q4 24 | $2.8B | $957.7M | ||
| Q3 24 | $2.8B | $932.1M | ||
| Q2 24 | $2.8B | $951.9M | ||
| Q1 24 | $2.8B | $949.1M |
总资产CATYRAMP
| Q4 25 | $24.2B | $1.3B | ||
| Q3 25 | $24.1B | $1.2B | ||
| Q2 25 | $23.7B | $1.2B | ||
| Q1 25 | $23.2B | $1.3B | ||
| Q4 24 | $23.1B | $1.3B | ||
| Q3 24 | $23.3B | $1.2B | ||
| Q2 24 | $23.2B | $1.2B | ||
| Q1 24 | $23.4B | $1.2B |
负债/权益比CATYRAMP
| Q4 25 | 0.04× | — | ||
| Q3 25 | 0.04× | — | ||
| Q2 25 | 0.04× | — | ||
| Q1 25 | 0.04× | — | ||
| Q4 24 | 0.04× | — | ||
| Q3 24 | 0.04× | — | ||
| Q2 24 | 0.04× | — | ||
| Q1 24 | 0.04× | — |
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 | $368.6M | — |
| 自由现金流经营现金流 - 资本支出 | $363.7M | — |
| 自由现金流率自由现金流/营收 | 163.2% | — |
| 资本支出强度资本支出/营收 | 2.2% | 0.1% |
| 现金转化率经营现金流/净利润 | 4.07× | — |
| 过去12个月自由现金流最近4个季度 | $672.7M | — |
8季度趋势，按日历期对齐
经营现金流CATYRAMP
| Q4 25 | $368.6M | — | ||
| Q3 25 | $150.6M | $57.4M | ||
| Q2 25 | $64.0M | $-15.8M | ||
| Q1 25 | $99.0M | — | ||
| Q4 24 | $329.2M | $45.1M | ||
| Q3 24 | $81.2M | $55.6M | ||
| Q2 24 | $72.9M | $-9.3M | ||
| Q1 24 | $88.2M | — |
自由现金流CATYRAMP
| Q4 25 | $363.7M | — | ||
| Q3 25 | $150.1M | $56.8M | ||
| Q2 25 | $62.7M | $-16.2M | ||
| Q1 25 | $96.3M | — | ||
| Q4 24 | $325.5M | $44.8M | ||
| Q3 24 | $80.0M | $55.4M | ||
| Q2 24 | $72.4M | $-9.6M | ||
| Q1 24 | $87.3M | — |
自由现金流率CATYRAMP
| Q4 25 | 163.2% | — | ||
| Q3 25 | 71.3% | 28.4% | ||
| Q2 25 | 31.9% | -8.3% | ||
| Q1 25 | 51.2% | — | ||
| Q4 24 | 174.6% | 22.9% | ||
| Q3 24 | 42.2% | 29.8% | ||
| Q2 24 | 40.5% | -5.4% | ||
| Q1 24 | 49.8% | — |
资本支出强度CATYRAMP
| Q4 25 | 2.2% | 0.1% | ||
| Q3 25 | 0.2% | 0.3% | ||
| Q2 25 | 0.6% | 0.2% | ||
| Q1 25 | 1.4% | 0.2% | ||
| Q4 24 | 1.9% | 0.1% | ||
| Q3 24 | 0.6% | 0.1% | ||
| Q2 24 | 0.3% | 0.1% | ||
| Q1 24 | 0.5% | 1.0% |
现金转化率CATYRAMP
| Q4 25 | 4.07× | — | ||
| Q3 25 | 1.94× | 2.09× | ||
| Q2 25 | 0.83× | -2.04× | ||
| Q1 25 | 1.42× | — | ||
| Q4 24 | 4.10× | 4.02× | ||
| Q3 24 | 1.20× | 32.10× | ||
| Q2 24 | 1.09× | — | ||
| Q1 24 | 1.23× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
