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INTERNATIONAL BANCSHARES CORP（IBOC）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
INTERNATIONAL BANCSHARES CORP的季度营收约是LiveRamp Holdings, Inc.的1.0倍（$217.7M vs $212.2M），INTERNATIONAL BANCSHARES CORP净利率更高（62.3% vs 18.8%，领先43.5%），LiveRamp Holdings, Inc.同比增速更快（8.6% vs 4.5%），过去两年LiveRamp Holdings, Inc.的营收复合增速更高（11.1% vs 2.8%）
国际银行股份公司（International Bancshares Corporation）是总部位于美国得克萨斯州拉雷多的银行控股公司，核心子公司为国际商业银行。目前集团通过旗下银行子公司运营217个营业网点、315台自动柜员机，服务覆盖得克萨斯州、俄克拉荷马州的88个城镇社区。
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。
IBOC vs RAMP — 直观对比
营收规模更大
IBOC
是对方的1.0倍
$212.2M
营收增速更快
RAMP
高出4.1%
4.5%
净利率更高
IBOC
高出43.5%
18.8%
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 | $217.7M | $212.2M |
| 净利润 | $106.9M | $39.9M |
| 毛利率 | — | 71.9% |
| 营业利润率 | 62.8% | 18.6% |
| 净利率 | 62.3% | 18.8% |
| 营收同比 | 4.5% | 8.6% |
| 净利润同比 | -7.1% | 255.7% |
| 每股收益（稀释后） | $1.71 | $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IBOCRAMP
| Q4 25 | $217.7M | $212.2M | ||
| Q3 25 | $218.1M | $199.8M | ||
| Q2 25 | $208.2M | $194.8M | ||
| Q1 25 | $198.2M | $188.7M | ||
| Q4 24 | $208.3M | $195.4M | ||
| Q3 24 | $211.8M | $185.5M | ||
| Q2 24 | $207.8M | $176.0M | ||
| Q1 24 | $205.8M | $171.9M |
净利润IBOCRAMP
| Q4 25 | $106.9M | $39.9M | ||
| Q3 25 | $108.4M | $27.4M | ||
| Q2 25 | $100.1M | $7.7M | ||
| Q1 25 | $96.9M | $-6.3M | ||
| Q4 24 | $115.1M | $11.2M | ||
| Q3 24 | $99.8M | $1.7M | ||
| Q2 24 | $97.0M | $-7.5M | ||
| Q1 24 | $97.3M | $-5.4M |
毛利率IBOCRAMP
| 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IBOCRAMP
| Q4 25 | 62.8% | 18.6% | ||
| Q3 25 | 62.6% | 10.7% | ||
| Q2 25 | 60.5% | 3.7% | ||
| Q1 25 | 61.1% | -6.1% | ||
| Q4 24 | 64.2% | 7.5% | ||
| Q3 24 | 60.0% | 4.0% | ||
| Q2 24 | 60.1% | -3.0% | ||
| Q1 24 | 59.9% | -8.3% |
净利率IBOCRAMP
| Q4 25 | 62.3% | 18.8% | ||
| Q3 25 | 49.7% | 13.7% | ||
| Q2 25 | 48.1% | 4.0% | ||
| Q1 25 | 48.9% | -3.3% | ||
| Q4 24 | 71.5% | 5.7% | ||
| Q3 24 | 47.1% | 0.9% | ||
| Q2 24 | 46.7% | -4.3% | ||
| Q1 24 | 47.3% | -3.1% |
每股收益（稀释后）IBOCRAMP
| Q4 25 | $1.71 | $0.62 | ||
| Q3 25 | $1.74 | $0.42 | ||
| Q2 25 | $1.61 | $0.12 | ||
| Q1 25 | $1.56 | $-0.10 | ||
| Q4 24 | $1.85 | $0.17 | ||
| Q3 24 | $1.60 | $0.03 | ||
| Q2 24 | $1.56 | $-0.11 | ||
| Q1 24 | $1.56 | $-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 | $5.5B | $403.4M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $3.3B | $962.3M |
| 总资产 | $16.6B | $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IBOCRAMP
| Q4 25 | $5.5B | $403.4M | ||
| Q3 25 | $5.6B | $376.9M | ||
| Q2 25 | $5.8B | $371.1M | ||
| Q1 25 | $5.6B | $420.8M | ||
| Q4 24 | $5.4B | $384.3M | ||
| Q3 24 | $5.8B | $348.4M | ||
| Q2 24 | $5.7B | $342.7M | ||
| Q1 24 | $5.7B | $368.9M |
股东权益IBOCRAMP
| Q4 25 | $3.3B | $962.3M | ||
| Q3 25 | $3.1B | $943.8M | ||
| Q2 25 | $3.0B | $947.8M | ||
| Q1 25 | $2.9B | $948.9M | ||
| Q4 24 | $2.8B | $957.7M | ||
| Q3 24 | $2.7B | $932.1M | ||
| Q2 24 | $2.6B | $951.9M | ||
| Q1 24 | $2.5B | $949.1M |
总资产IBOCRAMP
| Q4 25 | $16.6B | $1.3B | ||
| Q3 25 | $16.6B | $1.2B | ||
| Q2 25 | $16.5B | $1.2B | ||
| Q1 25 | $16.3B | $1.3B | ||
| Q4 24 | $15.7B | $1.3B | ||
| Q3 24 | $15.9B | $1.2B | ||
| Q2 24 | $15.5B | $1.2B | ||
| Q1 24 | $15.4B | $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 | $491.1M | — |
| 自由现金流经营现金流 - 资本支出 | $472.9M | — |
| 自由现金流率自由现金流/营收 | 217.2% | — |
| 资本支出强度资本支出/营收 | 8.3% | 0.1% |
| 现金转化率经营现金流/净利润 | 4.59× | — |
| 过去12个月自由现金流最近4个季度 | $809.9M | — |
8季度趋势，按日历期对齐
经营现金流IBOCRAMP
| Q4 25 | $491.1M | — | ||
| Q3 25 | $115.2M | $57.4M | ||
| Q2 25 | $95.5M | $-15.8M | ||
| Q1 25 | $140.5M | — | ||
| Q4 24 | $473.9M | $45.1M | ||
| Q3 24 | $116.5M | $55.6M | ||
| Q2 24 | $107.2M | $-9.3M | ||
| Q1 24 | $135.4M | — |
自由现金流IBOCRAMP
| Q4 25 | $472.9M | — | ||
| Q3 25 | $112.2M | $56.8M | ||
| Q2 25 | $91.6M | $-16.2M | ||
| Q1 25 | $133.1M | — | ||
| Q4 24 | $459.8M | $44.8M | ||
| Q3 24 | $109.6M | $55.4M | ||
| Q2 24 | $104.9M | $-9.6M | ||
| Q1 24 | $128.9M | — |
自由现金流率IBOCRAMP
| Q4 25 | 217.2% | — | ||
| Q3 25 | 51.5% | 28.4% | ||
| Q2 25 | 44.0% | -8.3% | ||
| Q1 25 | 67.1% | — | ||
| Q4 24 | 220.8% | 22.9% | ||
| Q3 24 | 51.7% | 29.8% | ||
| Q2 24 | 50.5% | -5.4% | ||
| Q1 24 | 62.6% | — |
资本支出强度IBOCRAMP
| Q4 25 | 8.3% | 0.1% | ||
| Q3 25 | 1.3% | 0.3% | ||
| Q2 25 | 1.9% | 0.2% | ||
| Q1 25 | 3.7% | 0.2% | ||
| Q4 24 | 6.8% | 0.1% | ||
| Q3 24 | 3.3% | 0.1% | ||
| Q2 24 | 1.1% | 0.1% | ||
| Q1 24 | 3.2% | 1.0% |
现金转化率IBOCRAMP
| Q4 25 | 4.59× | — | ||
| Q3 25 | 1.06× | 2.09× | ||
| Q2 25 | 0.95× | -2.04× | ||
| Q1 25 | 1.45× | — | ||
| Q4 24 | 4.12× | 4.02× | ||
| Q3 24 | 1.17× | 32.10× | ||
| Q2 24 | 1.11× | — | ||
| Q1 24 | 1.39× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
