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Heritage Insurance Holdings, Inc.（HRTG）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
Heritage Insurance Holdings, Inc.的季度营收约是LiveRamp Holdings, Inc.的1.0倍（$215.3M vs $212.2M），Heritage Insurance Holdings, Inc.净利率更高（31.0% vs 18.8%，领先12.2%），LiveRamp Holdings, Inc.同比增速更快（8.6% vs 2.4%），过去两年LiveRamp Holdings, Inc.的营收复合增速更高（11.1% vs 6.1%）
该公司是一家位于美国佛罗里达州的财产意外保险公司，在美国多个沿海州开展业务，主要为客户提供商业保险、住宅保险、房主保险以及洪水保险等各类财产意外保障产品。
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。
HRTG vs RAMP — 直观对比
营收规模更大
HRTG
是对方的1.0倍
$212.2M
营收增速更快
RAMP
高出6.2%
2.4%
净利率更高
HRTG
高出12.2%
18.8%
两年增速更快
RAMP
近两年复合增速
6.1%
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $215.3M | $212.2M |
| 净利润 | $66.7M | $39.9M |
| 毛利率 | — | 71.9% |
| 营业利润率 | 41.6% | 18.6% |
| 净利率 | 31.0% | 18.8% |
| 营收同比 | 2.4% | 8.6% |
| 净利润同比 | 228.6% | 255.7% |
| 每股收益（稀释后） | $2.15 | $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HRTGRAMP
| Q4 25 | $215.3M | $212.2M | ||
| Q3 25 | $212.5M | $199.8M | ||
| Q2 25 | $208.0M | $194.8M | ||
| Q1 25 | $211.5M | $188.7M | ||
| Q4 24 | $210.3M | $195.4M | ||
| Q3 24 | $211.8M | $185.5M | ||
| Q2 24 | $203.6M | $176.0M | ||
| Q1 24 | $191.3M | $171.9M |
净利润HRTGRAMP
| Q4 25 | $66.7M | $39.9M | ||
| Q3 25 | $50.4M | $27.4M | ||
| Q2 25 | $48.0M | $7.7M | ||
| Q1 25 | $30.5M | $-6.3M | ||
| Q4 24 | $20.3M | $11.2M | ||
| Q3 24 | $8.2M | $1.7M | ||
| Q2 24 | $18.9M | $-7.5M | ||
| Q1 24 | $14.2M | $-5.4M |
毛利率HRTGRAMP
| 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HRTGRAMP
| Q4 25 | 41.6% | 18.6% | ||
| Q3 25 | 33.0% | 10.7% | ||
| Q2 25 | 31.2% | 3.7% | ||
| Q1 25 | 20.1% | -6.1% | ||
| Q4 24 | 15.0% | 7.5% | ||
| Q3 24 | 5.5% | 4.0% | ||
| Q2 24 | 13.6% | -3.0% | ||
| Q1 24 | 11.9% | -8.3% |
净利率HRTGRAMP
| Q4 25 | 31.0% | 18.8% | ||
| Q3 25 | 23.7% | 13.7% | ||
| Q2 25 | 23.1% | 4.0% | ||
| Q1 25 | 14.4% | -3.3% | ||
| Q4 24 | 9.7% | 5.7% | ||
| Q3 24 | 3.8% | 0.9% | ||
| Q2 24 | 9.3% | -4.3% | ||
| Q1 24 | 7.4% | -3.1% |
每股收益（稀释后）HRTGRAMP
| Q4 25 | $2.15 | $0.62 | ||
| Q3 25 | $1.63 | $0.42 | ||
| Q2 25 | $1.55 | $0.12 | ||
| Q1 25 | $0.99 | $-0.10 | ||
| Q4 24 | $0.66 | $0.17 | ||
| Q3 24 | $0.27 | $0.03 | ||
| Q2 24 | $0.61 | $-0.11 | ||
| Q1 24 | $0.47 | $-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 | $559.3M | $403.4M |
| 总债务越低越好 | $78.4M | — |
| 股东权益账面价值 | $505.3M | $962.3M |
| 总资产 | $2.2B | $1.3B |
| 负债/权益比越低杠杆越低 | 0.16× | — |
8季度趋势，按日历期对齐
现金及短期投资HRTGRAMP
| Q4 25 | $559.3M | $403.4M | ||
| Q3 25 | $560.4M | $376.9M | ||
| Q2 25 | $473.5M | $371.1M | ||
| Q1 25 | $425.9M | $420.8M | ||
| Q4 24 | $452.7M | $384.3M | ||
| Q3 24 | $509.9M | $348.4M | ||
| Q2 24 | $480.9M | $342.7M | ||
| Q1 24 | $386.1M | $368.9M |
总债务HRTGRAMP
| Q4 25 | $78.4M | — | ||
| Q3 25 | $79.3M | — | ||
| Q2 25 | $92.4M | — | ||
| Q1 25 | $94.8M | — | ||
| Q4 24 | $116.3M | — | ||
| Q3 24 | $118.6M | — | ||
| Q2 24 | $120.8M | — | ||
| Q1 24 | $123.0M | — |
股东权益HRTGRAMP
| Q4 25 | $505.3M | $962.3M | ||
| Q3 25 | $437.3M | $943.8M | ||
| Q2 25 | $383.3M | $947.8M | ||
| Q1 25 | $329.0M | $948.9M | ||
| Q4 24 | $290.8M | $957.7M | ||
| Q3 24 | $279.3M | $932.1M | ||
| Q2 24 | $255.3M | $951.9M | ||
| Q1 24 | $234.9M | $949.1M |
总资产HRTGRAMP
| Q4 25 | $2.2B | $1.3B | ||
| Q3 25 | $2.4B | $1.2B | ||
| Q2 25 | $2.5B | $1.2B | ||
| Q1 25 | $2.2B | $1.3B | ||
| Q4 24 | $2.5B | $1.3B | ||
| Q3 24 | $2.4B | $1.2B | ||
| Q2 24 | $2.6B | $1.2B | ||
| Q1 24 | $2.1B | $1.2B |
负债/权益比HRTGRAMP
| Q4 25 | 0.16× | — | ||
| Q3 25 | 0.18× | — | ||
| Q2 25 | 0.24× | — | ||
| Q1 25 | 0.29× | — | ||
| Q4 24 | 0.40× | — | ||
| Q3 24 | 0.42× | — | ||
| Q2 24 | 0.47× | — | ||
| Q1 24 | 0.52× | — |
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 | $182.2M | — |
| 自由现金流经营现金流 - 资本支出 | $174.2M | — |
| 自由现金流率自由现金流/营收 | 80.9% | — |
| 资本支出强度资本支出/营收 | 3.7% | 0.1% |
| 现金转化率经营现金流/净利润 | 2.73× | — |
| 过去12个月自由现金流最近4个季度 | $337.4M | — |
8季度趋势，按日历期对齐
经营现金流HRTGRAMP
| Q4 25 | $182.2M | — | ||
| Q3 25 | $124.3M | $57.4M | ||
| Q2 25 | $43.3M | $-15.8M | ||
| Q1 25 | $837.0K | — | ||
| Q4 24 | $87.1M | $45.1M | ||
| Q3 24 | $-13.4M | $55.6M | ||
| Q2 24 | $152.2M | $-9.3M | ||
| Q1 24 | $4.3M | — |
自由现金流HRTGRAMP
| Q4 25 | $174.2M | — | ||
| Q3 25 | $122.7M | $56.8M | ||
| Q2 25 | $41.8M | $-16.2M | ||
| Q1 25 | $-1.3M | — | ||
| Q4 24 | $78.9M | $44.8M | ||
| Q3 24 | $-16.3M | $55.4M | ||
| Q2 24 | $149.8M | $-9.6M | ||
| Q1 24 | $4.1M | — |
自由现金流率HRTGRAMP
| Q4 25 | 80.9% | — | ||
| Q3 25 | 57.8% | 28.4% | ||
| Q2 25 | 20.1% | -8.3% | ||
| Q1 25 | -0.6% | — | ||
| Q4 24 | 37.5% | 22.9% | ||
| Q3 24 | -7.7% | 29.8% | ||
| Q2 24 | 73.6% | -5.4% | ||
| Q1 24 | 2.1% | — |
资本支出强度HRTGRAMP
| Q4 25 | 3.7% | 0.1% | ||
| Q3 25 | 0.7% | 0.3% | ||
| Q2 25 | 0.7% | 0.2% | ||
| Q1 25 | 1.0% | 0.2% | ||
| Q4 24 | 3.9% | 0.1% | ||
| Q3 24 | 1.4% | 0.1% | ||
| Q2 24 | 1.2% | 0.1% | ||
| Q1 24 | 0.1% | 1.0% |
现金转化率HRTGRAMP
| Q4 25 | 2.73× | — | ||
| Q3 25 | 2.47× | 2.09× | ||
| Q2 25 | 0.90× | -2.04× | ||
| Q1 25 | 0.03× | — | ||
| Q4 24 | 4.29× | 4.02× | ||
| Q3 24 | -1.64× | 32.10× | ||
| Q2 24 | 8.07× | — | ||
| Q1 24 | 0.30× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
