vs
GERMAN AMERICAN BANCORP, INC.（GABC）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GERMAN AMERICAN BANCORP, INC.的1.7倍（$212.2M vs $126.7M），GERMAN AMERICAN BANCORP, INC.净利率更高（28.2% vs 18.8%，领先9.4%），GERMAN AMERICAN BANCORP, INC.同比增速更快（39.7% vs 8.6%），过去两年GERMAN AMERICAN BANCORP, INC.的营收复合增速更高（22.7% vs 11.1%）
German American Bancorp, Inc.（股票代码：GABC）是一家美国的银行控股企业，专注于提供多元金融服务，核心业务涵盖支付卡相关服务，总部位于纽约曼哈顿下城的巴特利公园城，在金融服务领域拥有成熟的业务布局。
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。
GABC vs RAMP — 直观对比
营收规模更大
RAMP
是对方的1.7倍
$126.7M
营收增速更快
GABC
高出31.1%
8.6%
净利率更高
GABC
高出9.4%
18.8%
两年增速更快
GABC
近两年复合增速
11.1%
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $126.7M | $212.2M |
| 净利润 | $35.7M | $39.9M |
| 毛利率 | — | 71.9% |
| 营业利润率 | 34.6% | 18.6% |
| 净利率 | 28.2% | 18.8% |
| 营收同比 | 39.7% | 8.6% |
| 净利润同比 | 53.7% | 255.7% |
| 每股收益（稀释后） | $0.98 | $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GABCRAMP
| Q4 25 | $126.7M | $212.2M | ||
| Q3 25 | $126.5M | $199.8M | ||
| Q2 25 | $123.2M | $194.8M | ||
| Q1 25 | $111.1M | $188.7M | ||
| Q4 24 | $90.7M | $195.4M | ||
| Q3 24 | $88.5M | $185.5M | ||
| Q2 24 | $90.5M | $176.0M | ||
| Q1 24 | $84.1M | $171.9M |
净利润GABCRAMP
| Q4 25 | $35.7M | $39.9M | ||
| Q3 25 | $35.1M | $27.4M | ||
| Q2 25 | $31.4M | $7.7M | ||
| Q1 25 | $10.5M | $-6.3M | ||
| Q4 24 | $23.2M | $11.2M | ||
| Q3 24 | $21.0M | $1.7M | ||
| Q2 24 | $20.5M | $-7.5M | ||
| Q1 24 | $19.0M | $-5.4M |
毛利率GABCRAMP
| 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GABCRAMP
| Q4 25 | 34.6% | 18.6% | ||
| Q3 25 | 34.6% | 10.7% | ||
| Q2 25 | 31.8% | 3.7% | ||
| Q1 25 | 12.0% | -6.1% | ||
| Q4 24 | 31.6% | 7.5% | ||
| Q3 24 | 29.0% | 4.0% | ||
| Q2 24 | 29.4% | -3.0% | ||
| Q1 24 | 27.6% | -8.3% |
净利率GABCRAMP
| Q4 25 | 28.2% | 18.8% | ||
| Q3 25 | 27.7% | 13.7% | ||
| Q2 25 | 25.5% | 4.0% | ||
| Q1 25 | 9.5% | -3.3% | ||
| Q4 24 | 25.6% | 5.7% | ||
| Q3 24 | 23.8% | 0.9% | ||
| Q2 24 | 22.7% | -4.3% | ||
| Q1 24 | 22.6% | -3.1% |
每股收益（稀释后）GABCRAMP
| Q4 25 | $0.98 | $0.62 | ||
| Q3 25 | $0.94 | $0.42 | ||
| Q2 25 | $0.84 | $0.12 | ||
| Q1 25 | $0.30 | $-0.10 | ||
| Q4 24 | $0.79 | $0.17 | ||
| Q3 24 | $0.71 | $0.03 | ||
| Q2 24 | $0.69 | $-0.11 | ||
| Q1 24 | $0.64 | $-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 | $100.0M | — |
| 股东权益账面价值 | $1.2B | $962.3M |
| 总资产 | $8.4B | $1.3B |
| 负债/权益比越低杠杆越低 | 0.09× | — |
8季度趋势，按日历期对齐
现金及短期投资GABCRAMP
| 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GABCRAMP
| Q4 25 | $100.0M | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $114.6M | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益GABCRAMP
| Q4 25 | $1.2B | $962.3M | ||
| Q3 25 | $1.1B | $943.8M | ||
| Q2 25 | $1.1B | $947.8M | ||
| Q1 25 | $1.0B | $948.9M | ||
| Q4 24 | $715.1M | $957.7M | ||
| Q3 24 | $744.6M | $932.1M | ||
| Q2 24 | $687.8M | $951.9M | ||
| Q1 24 | $655.3M | $949.1M |
总资产GABCRAMP
| Q4 25 | $8.4B | $1.3B | ||
| Q3 25 | $8.4B | $1.2B | ||
| Q2 25 | $8.3B | $1.2B | ||
| Q1 25 | $8.4B | $1.3B | ||
| Q4 24 | $6.3B | $1.3B | ||
| Q3 24 | $6.3B | $1.2B | ||
| Q2 24 | $6.2B | $1.2B | ||
| Q1 24 | $6.1B | $1.2B |
负债/权益比GABCRAMP
| Q4 25 | 0.09× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 0.16× | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $159.3M | — |
| 自由现金流经营现金流 - 资本支出 | $154.0M | — |
| 自由现金流率自由现金流/营收 | 121.6% | — |
| 资本支出强度资本支出/营收 | 4.2% | 0.1% |
| 现金转化率经营现金流/净利润 | 4.46× | — |
| 过去12个月自由现金流最近4个季度 | $267.0M | — |
8季度趋势，按日历期对齐
经营现金流GABCRAMP
| Q4 25 | $159.3M | — | ||
| Q3 25 | $51.8M | $57.4M | ||
| Q2 25 | $26.9M | $-15.8M | ||
| Q1 25 | $37.9M | — | ||
| Q4 24 | $95.8M | $45.1M | ||
| Q3 24 | $24.5M | $55.6M | ||
| Q2 24 | $18.7M | $-9.3M | ||
| Q1 24 | $23.9M | — |
自由现金流GABCRAMP
| Q4 25 | $154.0M | — | ||
| Q3 25 | $50.1M | $56.8M | ||
| Q2 25 | $26.2M | $-16.2M | ||
| Q1 25 | $36.7M | — | ||
| Q4 24 | $90.7M | $44.8M | ||
| Q3 24 | $23.0M | $55.4M | ||
| Q2 24 | $17.0M | $-9.6M | ||
| Q1 24 | $22.6M | — |
自由现金流率GABCRAMP
| Q4 25 | 121.6% | — | ||
| Q3 25 | 39.6% | 28.4% | ||
| Q2 25 | 21.2% | -8.3% | ||
| Q1 25 | 33.0% | — | ||
| Q4 24 | 100.1% | 22.9% | ||
| Q3 24 | 26.0% | 29.8% | ||
| Q2 24 | 18.8% | -5.4% | ||
| Q1 24 | 26.9% | — |
资本支出强度GABCRAMP
| Q4 25 | 4.2% | 0.1% | ||
| Q3 25 | 1.3% | 0.3% | ||
| Q2 25 | 0.6% | 0.2% | ||
| Q1 25 | 1.1% | 0.2% | ||
| Q4 24 | 5.6% | 0.1% | ||
| Q3 24 | 1.7% | 0.1% | ||
| Q2 24 | 1.8% | 0.1% | ||
| Q1 24 | 1.5% | 1.0% |
现金转化率GABCRAMP
| Q4 25 | 4.46× | — | ||
| Q3 25 | 1.48× | 2.09× | ||
| Q2 25 | 0.86× | -2.04× | ||
| Q1 25 | 3.61× | — | ||
| Q4 24 | 4.13× | 4.02× | ||
| Q3 24 | 1.16× | 32.10× | ||
| Q2 24 | 0.91× | — | ||
| Q1 24 | 1.25× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
