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CVB FINANCIAL CORP（CVBF）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CVB FINANCIAL CORP的1.6倍（$212.2M vs $133.8M），LiveRamp Holdings, Inc.同比增速更快（8.6% vs 8.4%），过去两年LiveRamp Holdings, Inc.的营收复合增速更高（11.1% vs 2.8%）
CVB金融集团是一家美国银行控股公司，运营公民商业银行，主要服务加利福尼亚州市场，面向中小企业、专业机构及个人客户提供商业银行、个人银行、财富管理等多元金融服务，核心业务包含商业贷款、存款账户、资产管理等。
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。
CVBF vs RAMP — 直观对比
营收规模更大
RAMP
是对方的1.6倍
$133.8M
营收增速更快
RAMP
高出0.2%
8.4%
两年增速更快
RAMP
近两年复合增速
2.8%
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $133.8M | $212.2M |
| 净利润 | — | $39.9M |
| 毛利率 | — | 71.9% |
| 营业利润率 | 55.6% | 18.6% |
| 净利率 | — | 18.8% |
| 营收同比 | 8.4% | 8.6% |
| 净利润同比 | — | 255.7% |
| 每股收益（稀释后） | $0.41 | $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CVBFRAMP
| Q4 25 | $133.8M | $212.2M | ||
| Q3 25 | $128.6M | $199.8M | ||
| Q2 25 | $126.4M | $194.8M | ||
| Q1 25 | $126.7M | $188.7M | ||
| Q4 24 | $123.5M | $195.4M | ||
| Q3 24 | $126.5M | $185.5M | ||
| Q2 24 | $125.3M | $176.0M | ||
| Q1 24 | $126.6M | $171.9M |
净利润CVBFRAMP
| Q4 25 | — | $39.9M | ||
| Q3 25 | $52.6M | $27.4M | ||
| Q2 25 | $50.6M | $7.7M | ||
| Q1 25 | $51.1M | $-6.3M | ||
| Q4 24 | — | $11.2M | ||
| Q3 24 | $51.2M | $1.7M | ||
| Q2 24 | $50.0M | $-7.5M | ||
| Q1 24 | $48.6M | $-5.4M |
毛利率CVBFRAMP
| 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CVBFRAMP
| Q4 25 | 55.6% | 18.6% | ||
| Q3 25 | 53.7% | 10.7% | ||
| Q2 25 | 54.4% | 3.7% | ||
| Q1 25 | 54.9% | -6.1% | ||
| Q4 24 | 55.1% | 7.5% | ||
| Q3 24 | 53.5% | 4.0% | ||
| Q2 24 | 54.9% | -3.0% | ||
| Q1 24 | 52.8% | -8.3% |
净利率CVBFRAMP
| Q4 25 | — | 18.8% | ||
| Q3 25 | 40.9% | 13.7% | ||
| Q2 25 | 40.0% | 4.0% | ||
| Q1 25 | 40.3% | -3.3% | ||
| Q4 24 | — | 5.7% | ||
| Q3 24 | 40.5% | 0.9% | ||
| Q2 24 | 39.9% | -4.3% | ||
| Q1 24 | 38.4% | -3.1% |
每股收益（稀释后）CVBFRAMP
| Q4 25 | $0.41 | $0.62 | ||
| Q3 25 | $0.38 | $0.42 | ||
| Q2 25 | $0.37 | $0.12 | ||
| Q1 25 | $0.36 | $-0.10 | ||
| Q4 24 | $0.36 | $0.17 | ||
| Q3 24 | $0.37 | $0.03 | ||
| Q2 24 | $0.36 | $-0.11 | ||
| Q1 24 | $0.35 | $-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 | $376.4M | $403.4M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $2.3B | $962.3M |
| 总资产 | $15.6B | $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CVBFRAMP
| Q4 25 | $376.4M | $403.4M | ||
| Q3 25 | $783.9M | $376.9M | ||
| Q2 25 | $738.6M | $371.1M | ||
| Q1 25 | $529.1M | $420.8M | ||
| Q4 24 | $204.7M | $384.3M | ||
| Q3 24 | $453.5M | $348.4M | ||
| Q2 24 | $844.2M | $342.7M | ||
| Q1 24 | $949.6M | $368.9M |
股东权益CVBFRAMP
| Q4 25 | $2.3B | $962.3M | ||
| Q3 25 | $2.3B | $943.8M | ||
| Q2 25 | $2.2B | $947.8M | ||
| Q1 25 | $2.2B | $948.9M | ||
| Q4 24 | $2.2B | $957.7M | ||
| Q3 24 | $2.2B | $932.1M | ||
| Q2 24 | $2.1B | $951.9M | ||
| Q1 24 | $2.1B | $949.1M |
总资产CVBFRAMP
| Q4 25 | $15.6B | $1.3B | ||
| Q3 25 | $15.7B | $1.2B | ||
| Q2 25 | $15.4B | $1.2B | ||
| Q1 25 | $15.3B | $1.3B | ||
| Q4 24 | $15.2B | $1.3B | ||
| Q3 24 | $15.4B | $1.2B | ||
| Q2 24 | $16.2B | $1.2B | ||
| Q1 24 | $16.5B | $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 | $221.4M | — |
| 自由现金流经营现金流 - 资本支出 | $217.3M | — |
| 自由现金流率自由现金流/营收 | 162.4% | — |
| 资本支出强度资本支出/营收 | 3.0% | 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 | $391.5M | — |
8季度趋势，按日历期对齐
经营现金流CVBFRAMP
| Q4 25 | $221.4M | — | ||
| Q3 25 | $81.5M | $57.4M | ||
| Q2 25 | $53.1M | $-15.8M | ||
| Q1 25 | $41.9M | — | ||
| Q4 24 | $249.8M | $45.1M | ||
| Q3 24 | $71.4M | $55.6M | ||
| Q2 24 | $26.1M | $-9.3M | ||
| Q1 24 | $77.5M | — |
自由现金流CVBFRAMP
| Q4 25 | $217.3M | — | ||
| Q3 25 | $80.7M | $56.8M | ||
| Q2 25 | $52.3M | $-16.2M | ||
| Q1 25 | $41.2M | — | ||
| Q4 24 | $244.6M | $44.8M | ||
| Q3 24 | $70.2M | $55.4M | ||
| Q2 24 | $24.4M | $-9.6M | ||
| Q1 24 | $77.3M | — |
自由现金流率CVBFRAMP
| Q4 25 | 162.4% | — | ||
| Q3 25 | 62.8% | 28.4% | ||
| Q2 25 | 41.4% | -8.3% | ||
| Q1 25 | 32.5% | — | ||
| Q4 24 | 198.0% | 22.9% | ||
| Q3 24 | 55.5% | 29.8% | ||
| Q2 24 | 19.5% | -5.4% | ||
| Q1 24 | 61.1% | — |
资本支出强度CVBFRAMP
| Q4 25 | 3.0% | 0.1% | ||
| Q3 25 | 0.7% | 0.3% | ||
| Q2 25 | 0.7% | 0.2% | ||
| Q1 25 | 0.5% | 0.2% | ||
| Q4 24 | 4.2% | 0.1% | ||
| Q3 24 | 1.0% | 0.1% | ||
| Q2 24 | 1.4% | 0.1% | ||
| Q1 24 | 0.1% | 1.0% |
现金转化率CVBFRAMP
| Q4 25 | — | — | ||
| Q3 25 | 1.55× | 2.09× | ||
| Q2 25 | 1.05× | -2.04× | ||
| Q1 25 | 0.82× | — | ||
| Q4 24 | — | 4.02× | ||
| Q3 24 | 1.39× | 32.10× | ||
| Q2 24 | 0.52× | — | ||
| Q1 24 | 1.59× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
