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CONSUMER PORTFOLIO SERVICES, INC.（CPSS）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CONSUMER PORTFOLIO SERVICES, INC.的1.9倍（$212.2M vs $109.4M），LiveRamp Holdings, Inc.净利率更高（18.8% vs 4.6%，领先14.2%），LiveRamp Holdings, Inc.同比增速更快（8.6% vs 3.9%），过去两年LiveRamp Holdings, Inc.的营收复合增速更高（11.1% vs 9.2%）
Consumer Portfolio Services, Inc.是总部位于美国的专业金融公司，主要面向信用记录有限或信用评分不佳的消费者，与各类汽车经销商合作，提供新车及二手车购买的间接汽车贷款融资及贷后管理服务。
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。
CPSS vs RAMP — 直观对比
营收规模更大
RAMP
是对方的1.9倍
$109.4M
营收增速更快
RAMP
高出4.7%
3.9%
净利率更高
RAMP
高出14.2%
4.6%
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 | $109.4M | $212.2M |
| 净利润 | $5.0M | $39.9M |
| 毛利率 | — | 71.9% |
| 营业利润率 | 6.6% | 18.6% |
| 净利率 | 4.6% | 18.8% |
| 营收同比 | 3.9% | 8.6% |
| 净利润同比 | -3.2% | 255.7% |
| 每股收益（稀释后） | $0.21 | $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CPSSRAMP
| Q4 25 | $109.4M | $212.2M | ||
| Q3 25 | $108.4M | $199.8M | ||
| Q2 25 | $109.8M | $194.8M | ||
| Q1 25 | $106.9M | $188.7M | ||
| Q4 24 | $105.3M | $195.4M | ||
| Q3 24 | $100.6M | $185.5M | ||
| Q2 24 | $95.9M | $176.0M | ||
| Q1 24 | $91.7M | $171.9M |
净利润CPSSRAMP
| Q4 25 | $5.0M | $39.9M | ||
| Q3 25 | $4.9M | $27.4M | ||
| Q2 25 | $4.8M | $7.7M | ||
| Q1 25 | $4.7M | $-6.3M | ||
| Q4 24 | $5.1M | $11.2M | ||
| Q3 24 | $4.8M | $1.7M | ||
| Q2 24 | $4.7M | $-7.5M | ||
| Q1 24 | $4.6M | $-5.4M |
毛利率CPSSRAMP
| 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CPSSRAMP
| Q4 25 | 6.6% | 18.6% | ||
| Q3 25 | 6.5% | 10.7% | ||
| Q2 25 | 6.3% | 3.7% | ||
| Q1 25 | 6.4% | -6.1% | ||
| Q4 24 | 7.0% | 7.5% | ||
| Q3 24 | 6.8% | 4.0% | ||
| Q2 24 | 7.0% | -3.0% | ||
| Q1 24 | 7.1% | -8.3% |
净利率CPSSRAMP
| Q4 25 | 4.6% | 18.8% | ||
| Q3 25 | 4.5% | 13.7% | ||
| Q2 25 | 4.4% | 4.0% | ||
| Q1 25 | 4.4% | -3.3% | ||
| Q4 24 | 4.9% | 5.7% | ||
| Q3 24 | 4.8% | 0.9% | ||
| Q2 24 | 4.9% | -4.3% | ||
| Q1 24 | 5.0% | -3.1% |
每股收益（稀释后）CPSSRAMP
| Q4 25 | $0.21 | $0.62 | ||
| Q3 25 | $0.20 | $0.42 | ||
| Q2 25 | $0.20 | $0.12 | ||
| Q1 25 | $0.19 | $-0.10 | ||
| Q4 24 | $0.21 | $0.17 | ||
| Q3 24 | $0.20 | $0.03 | ||
| Q2 24 | $0.19 | $-0.11 | ||
| Q1 24 | $0.19 | $-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 | $6.3M | $403.4M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $309.5M | $962.3M |
| 总资产 | $3.9B | $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CPSSRAMP
| Q4 25 | $6.3M | $403.4M | ||
| Q3 25 | $9.4M | $376.9M | ||
| Q2 25 | $15.8M | $371.1M | ||
| Q1 25 | $29.8M | $420.8M | ||
| Q4 24 | $11.7M | $384.3M | ||
| Q3 24 | $8.1M | $348.4M | ||
| Q2 24 | $9.8M | $342.7M | ||
| Q1 24 | $13.2M | $368.9M |
股东权益CPSSRAMP
| Q4 25 | $309.5M | $962.3M | ||
| Q3 25 | $307.6M | $943.8M | ||
| Q2 25 | $303.1M | $947.8M | ||
| Q1 25 | $298.4M | $948.9M | ||
| Q4 24 | $292.8M | $957.7M | ||
| Q3 24 | $285.1M | $932.1M | ||
| Q2 24 | $280.3M | $951.9M | ||
| Q1 24 | $279.1M | $949.1M |
总资产CPSSRAMP
| Q4 25 | $3.9B | $1.3B | ||
| Q3 25 | $3.8B | $1.2B | ||
| Q2 25 | $3.8B | $1.2B | ||
| Q1 25 | $3.7B | $1.3B | ||
| Q4 24 | $3.5B | $1.3B | ||
| Q3 24 | $3.5B | $1.2B | ||
| Q2 24 | $3.3B | $1.2B | ||
| Q1 24 | $3.0B | $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 | $289.0M | — |
| 自由现金流经营现金流 - 资本支出 | $288.3M | — |
| 自由现金流率自由现金流/营收 | 263.5% | — |
| 资本支出强度资本支出/营收 | 0.6% | 0.1% |
| 现金转化率经营现金流/净利润 | 58.02× | — |
| 过去12个月自由现金流最近4个季度 | $500.9M | — |
8季度趋势，按日历期对齐
经营现金流CPSSRAMP
| Q4 25 | $289.0M | — | ||
| Q3 25 | $84.9M | $57.4M | ||
| Q2 25 | $54.5M | $-15.8M | ||
| Q1 25 | $73.9M | — | ||
| Q4 24 | $233.8M | $45.1M | ||
| Q3 24 | $69.8M | $55.6M | ||
| Q2 24 | $43.3M | $-9.3M | ||
| Q1 24 | $52.7M | — |
自由现金流CPSSRAMP
| Q4 25 | $288.3M | — | ||
| Q3 25 | $84.9M | $56.8M | ||
| Q2 25 | $54.3M | $-16.2M | ||
| Q1 25 | $73.4M | — | ||
| Q4 24 | $233.3M | $44.8M | ||
| Q3 24 | $69.7M | $55.4M | ||
| Q2 24 | $43.1M | $-9.6M | ||
| Q1 24 | $52.6M | — |
自由现金流率CPSSRAMP
| Q4 25 | 263.5% | — | ||
| Q3 25 | 78.3% | 28.4% | ||
| Q2 25 | 49.5% | -8.3% | ||
| Q1 25 | 68.7% | — | ||
| Q4 24 | 221.6% | 22.9% | ||
| Q3 24 | 69.3% | 29.8% | ||
| Q2 24 | 45.0% | -5.4% | ||
| Q1 24 | 57.3% | — |
资本支出强度CPSSRAMP
| Q4 25 | 0.6% | 0.1% | ||
| Q3 25 | 0.0% | 0.3% | ||
| Q2 25 | 0.1% | 0.2% | ||
| Q1 25 | 0.4% | 0.2% | ||
| Q4 24 | 0.4% | 0.1% | ||
| Q3 24 | 0.1% | 0.1% | ||
| Q2 24 | 0.2% | 0.1% | ||
| Q1 24 | 0.1% | 1.0% |
现金转化率CPSSRAMP
| Q4 25 | 58.02× | — | ||
| Q3 25 | 17.50× | 2.09× | ||
| Q2 25 | 11.35× | -2.04× | ||
| Q1 25 | 15.74× | — | ||
| Q4 24 | 45.43× | 4.02× | ||
| Q3 24 | 14.55× | 32.10× | ||
| Q2 24 | 9.27× | — | ||
| Q1 24 | 11.48× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
