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FNB CORP（FNB）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
FNB CORP的季度营收约是LiveRamp Holdings, Inc.的1.7倍（$366.0M vs $212.2M），FNB CORP净利率更高（45.9% vs 18.8%，领先27.1%），FNB CORP同比增速更快（13.7% vs 8.6%），过去两年LiveRamp Holdings, Inc.的营收复合增速更高（11.1% vs 7.1%）
FNB集团是总部位于美国宾夕法尼亚州匹兹堡的多元化金融服务机构，为旗下最大子公司第一国民银行的控股主体，截至2025年12月31日总资产超500亿美元，业务覆盖匹兹堡、巴尔的摩、克利夫兰、华盛顿特区、北卡罗来纳州多座城市及南卡罗来纳州查尔斯顿等核心都会区。
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。
FNB vs RAMP — 直观对比
营收规模更大
FNB
是对方的1.7倍
$212.2M
营收增速更快
FNB
高出5.1%
8.6%
净利率更高
FNB
高出27.1%
18.8%
两年增速更快
RAMP
近两年复合增速
7.1%
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $366.0M | $212.2M |
| 净利润 | $168.0M | $39.9M |
| 毛利率 | — | 71.9% |
| 营业利润率 | 45.1% | 18.6% |
| 净利率 | 45.9% | 18.8% |
| 营收同比 | 13.7% | 8.6% |
| 净利润同比 | 52.7% | 255.7% |
| 每股收益（稀释后） | $0.47 | $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FNBRAMP
| Q4 25 | $366.0M | $212.2M | ||
| Q3 25 | $359.0M | $199.8M | ||
| Q2 25 | $348.0M | $194.8M | ||
| Q1 25 | $323.0M | $188.7M | ||
| Q4 24 | $322.0M | $195.4M | ||
| Q3 24 | $323.0M | $185.5M | ||
| Q2 24 | $316.0M | $176.0M | ||
| Q1 24 | $319.0M | $171.9M |
净利润FNBRAMP
| Q4 25 | $168.0M | $39.9M | ||
| Q3 25 | $150.0M | $27.4M | ||
| Q2 25 | $130.0M | $7.7M | ||
| Q1 25 | $117.0M | $-6.3M | ||
| Q4 24 | $110.0M | $11.2M | ||
| Q3 24 | $110.0M | $1.7M | ||
| Q2 24 | $123.0M | $-7.5M | ||
| Q1 24 | $122.0M | $-5.4M |
毛利率FNBRAMP
| 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FNBRAMP
| Q4 25 | 45.1% | 18.6% | ||
| Q3 25 | 52.9% | 10.7% | ||
| Q2 25 | 47.7% | 3.7% | ||
| Q1 25 | 45.8% | -6.1% | ||
| Q4 24 | 31.7% | 7.5% | ||
| Q3 24 | 43.3% | 4.0% | ||
| Q2 24 | 49.7% | -3.0% | ||
| Q1 24 | 48.9% | -8.3% |
净利率FNBRAMP
| Q4 25 | 45.9% | 18.8% | ||
| Q3 25 | 41.8% | 13.7% | ||
| Q2 25 | 37.4% | 4.0% | ||
| Q1 25 | 36.2% | -3.3% | ||
| Q4 24 | 34.2% | 5.7% | ||
| Q3 24 | 34.1% | 0.9% | ||
| Q2 24 | 38.9% | -4.3% | ||
| Q1 24 | 38.2% | -3.1% |
每股收益（稀释后）FNBRAMP
| Q4 25 | $0.47 | $0.62 | ||
| Q3 25 | $0.41 | $0.42 | ||
| Q2 25 | $0.36 | $0.12 | ||
| Q1 25 | $0.32 | $-0.10 | ||
| Q4 24 | $0.31 | $0.17 | ||
| Q3 24 | $0.30 | $0.03 | ||
| Q2 24 | $0.34 | $-0.11 | ||
| Q1 24 | $0.32 | $-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 | $2.5B | $403.4M |
| 总债务越低越好 | $1.9B | — |
| 股东权益账面价值 | $6.8B | $962.3M |
| 总资产 | $50.2B | $1.3B |
| 负债/权益比越低杠杆越低 | 0.28× | — |
8季度趋势，按日历期对齐
现金及短期投资FNBRAMP
| Q4 25 | $2.5B | $403.4M | ||
| Q3 25 | $2.4B | $376.9M | ||
| Q2 25 | $2.4B | $371.1M | ||
| Q1 25 | $2.4B | $420.8M | ||
| Q4 24 | $2.4B | $384.3M | ||
| Q3 24 | $2.1B | $348.4M | ||
| Q2 24 | $1.9B | $342.7M | ||
| Q1 24 | $1.5B | $368.9M |
总债务FNBRAMP
| Q4 25 | $1.9B | — | ||
| Q3 25 | $2.1B | — | ||
| Q2 25 | $2.7B | — | ||
| Q1 25 | $2.5B | — | ||
| Q4 24 | $3.0B | — | ||
| Q3 24 | $2.5B | — | ||
| Q2 24 | $2.0B | — | ||
| Q1 24 | $2.1B | — |
股东权益FNBRAMP
| Q4 25 | $6.8B | $962.3M | ||
| Q3 25 | $6.6B | $943.8M | ||
| Q2 25 | $6.5B | $947.8M | ||
| Q1 25 | $6.4B | $948.9M | ||
| Q4 24 | $6.3B | $957.7M | ||
| Q3 24 | $6.2B | $932.1M | ||
| Q2 24 | $6.1B | $951.9M | ||
| Q1 24 | $6.0B | $949.1M |
总资产FNBRAMP
| Q4 25 | $50.2B | $1.3B | ||
| Q3 25 | $49.9B | $1.2B | ||
| Q2 25 | $49.7B | $1.2B | ||
| Q1 25 | $49.0B | $1.3B | ||
| Q4 24 | $48.6B | $1.3B | ||
| Q3 24 | $48.0B | $1.2B | ||
| Q2 24 | $47.7B | $1.2B | ||
| Q1 24 | $45.9B | $1.2B |
负债/权益比FNBRAMP
| Q4 25 | 0.28× | — | ||
| Q3 25 | 0.32× | — | ||
| Q2 25 | 0.41× | — | ||
| Q1 25 | 0.39× | — | ||
| Q4 24 | 0.48× | — | ||
| Q3 24 | 0.40× | — | ||
| Q2 24 | 0.33× | — | ||
| Q1 24 | 0.35× | — |
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 | $128.0M | — |
| 自由现金流经营现金流 - 资本支出 | $99.0M | — |
| 自由现金流率自由现金流/营收 | 27.0% | — |
| 资本支出强度资本支出/营收 | 7.9% | 0.1% |
| 现金转化率经营现金流/净利润 | 0.76× | — |
| 过去12个月自由现金流最近4个季度 | $376.0M | — |
8季度趋势，按日历期对齐
经营现金流FNBRAMP
| Q4 25 | $128.0M | — | ||
| Q3 25 | $167.0M | $57.4M | ||
| Q2 25 | $123.0M | $-15.8M | ||
| Q1 25 | $64.0M | — | ||
| Q4 24 | $326.0M | $45.1M | ||
| Q3 24 | $-14.0M | $55.6M | ||
| Q2 24 | $85.0M | $-9.3M | ||
| Q1 24 | $245.0M | — |
自由现金流FNBRAMP
| Q4 25 | $99.0M | — | ||
| Q3 25 | $149.0M | $56.8M | ||
| Q2 25 | $85.0M | $-16.2M | ||
| Q1 25 | $43.0M | — | ||
| Q4 24 | $278.0M | $44.8M | ||
| Q3 24 | $-46.0M | $55.4M | ||
| Q2 24 | $55.0M | $-9.6M | ||
| Q1 24 | $216.0M | — |
自由现金流率FNBRAMP
| Q4 25 | 27.0% | — | ||
| Q3 25 | 41.5% | 28.4% | ||
| Q2 25 | 24.4% | -8.3% | ||
| Q1 25 | 13.3% | — | ||
| Q4 24 | 86.3% | 22.9% | ||
| Q3 24 | -14.2% | 29.8% | ||
| Q2 24 | 17.4% | -5.4% | ||
| Q1 24 | 67.7% | — |
资本支出强度FNBRAMP
| Q4 25 | 7.9% | 0.1% | ||
| Q3 25 | 5.0% | 0.3% | ||
| Q2 25 | 10.9% | 0.2% | ||
| Q1 25 | 6.5% | 0.2% | ||
| Q4 24 | 14.9% | 0.1% | ||
| Q3 24 | 9.9% | 0.1% | ||
| Q2 24 | 9.5% | 0.1% | ||
| Q1 24 | 9.1% | 1.0% |
现金转化率FNBRAMP
| Q4 25 | 0.76× | — | ||
| Q3 25 | 1.11× | 2.09× | ||
| Q2 25 | 0.95× | -2.04× | ||
| Q1 25 | 0.55× | — | ||
| Q4 24 | 2.96× | 4.02× | ||
| Q3 24 | -0.13× | 32.10× | ||
| Q2 24 | 0.69× | — | ||
| Q1 24 | 2.01× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
