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FIRST MERCHANTS CORP（FRME）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FIRST MERCHANTS CORP的1.4倍（$212.2M vs $157.1M），LiveRamp Holdings, Inc.净利率更高（18.8% vs 17.9%，领先0.9%），过去两年LiveRamp Holdings, Inc.的营收复合增速更高（11.1% vs -0.9%）
第一商人集团是总部位于美国印第安纳州曼西的金融控股公司，业务覆盖印第安纳州中部地区，旗下拥有第一商人银行、第一商人私人财富顾问两大板块，在纳斯达克上市，股票代码为FRME。截至2023年3月，集团总资产达182亿美元，为客户提供商业银行、个人银行及投资顾问服务。
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。
FRME vs RAMP — 直观对比
营收规模更大
RAMP
是对方的1.4倍
$157.1M
净利率更高
RAMP
高出0.9%
17.9%
两年增速更快
RAMP
近两年复合增速
-0.9%
损益表 — Q1 FY2026 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $157.1M | $212.2M |
| 净利润 | $28.2M | $39.9M |
| 毛利率 | — | 71.9% |
| 营业利润率 | — | 18.6% |
| 净利率 | 17.9% | 18.8% |
| 营收同比 | — | 8.6% |
| 净利润同比 | -49.1% | 255.7% |
| 每股收益（稀释后） | $0.45 | $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FRMERAMP
| Q1 26 | $157.1M | — | ||
| Q4 25 | $172.2M | $212.2M | ||
| Q3 25 | $166.1M | $199.8M | ||
| Q2 25 | $164.3M | $194.8M | ||
| Q1 25 | $160.3M | $188.7M | ||
| Q4 24 | $177.1M | $195.4M | ||
| Q3 24 | $156.0M | $185.5M | ||
| Q2 24 | $159.9M | $176.0M |
净利润FRMERAMP
| Q1 26 | $28.2M | — | ||
| Q4 25 | $57.1M | $39.9M | ||
| Q3 25 | $56.8M | $27.4M | ||
| Q2 25 | $56.8M | $7.7M | ||
| Q1 25 | $55.3M | $-6.3M | ||
| Q4 24 | $64.3M | $11.2M | ||
| Q3 24 | $49.2M | $1.7M | ||
| Q2 24 | $39.9M | $-7.5M |
毛利率FRMERAMP
| 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FRMERAMP
| Q1 26 | — | — | ||
| Q4 25 | 38.0% | 18.6% | ||
| Q3 25 | 39.3% | 10.7% | ||
| Q2 25 | 39.6% | 3.7% | ||
| Q1 25 | 39.4% | -6.1% | ||
| Q4 24 | 43.3% | 7.5% | ||
| Q3 24 | 36.1% | 4.0% | ||
| Q2 24 | 27.5% | -3.0% |
净利率FRMERAMP
| Q1 26 | 17.9% | — | ||
| Q4 25 | 33.1% | 18.8% | ||
| Q3 25 | 34.2% | 13.7% | ||
| Q2 25 | 34.6% | 4.0% | ||
| Q1 25 | 34.5% | -3.3% | ||
| Q4 24 | 36.3% | 5.7% | ||
| Q3 24 | 31.5% | 0.9% | ||
| Q2 24 | 25.0% | -4.3% |
每股收益（稀释后）FRMERAMP
| Q1 26 | $0.45 | — | ||
| Q4 25 | $0.98 | $0.62 | ||
| Q3 25 | $0.98 | $0.42 | ||
| Q2 25 | $0.98 | $0.12 | ||
| Q1 25 | $0.94 | $-0.10 | ||
| Q4 24 | $1.09 | $0.17 | ||
| Q3 24 | $0.84 | $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 | — | $403.4M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $2.7B | $962.3M |
| 总资产 | $21.1B | $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FRMERAMP
| Q1 26 | — | — | ||
| 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 |
股东权益FRMERAMP
| Q1 26 | $2.7B | — | ||
| Q4 25 | $2.5B | $962.3M | ||
| Q3 25 | $2.4B | $943.8M | ||
| Q2 25 | $2.3B | $947.8M | ||
| Q1 25 | $2.3B | $948.9M | ||
| Q4 24 | $2.3B | $957.7M | ||
| Q3 24 | $2.3B | $932.1M | ||
| Q2 24 | $2.2B | $951.9M |
总资产FRMERAMP
| Q1 26 | $21.1B | — | ||
| Q4 25 | $19.0B | $1.3B | ||
| Q3 25 | $18.8B | $1.2B | ||
| Q2 25 | $18.6B | $1.2B | ||
| Q1 25 | $18.4B | $1.3B | ||
| Q4 24 | $18.3B | $1.3B | ||
| Q3 24 | $18.3B | $1.2B | ||
| Q2 24 | $18.3B | $1.2B |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
业务分部营收拆解
FRME
| Net Interest Income | $151.3M | 96% |
| Noninterest Income | $5.8M | 4% |
RAMP
暂无分部数据
