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INDEPENDENT BANK CORP（INDB）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
INDEPENDENT BANK CORP的季度营收约是LiveRamp Holdings, Inc.的1.0倍（$212.5M vs $212.2M），INDEPENDENT BANK CORP净利率更高（35.5% vs 18.8%，领先16.7%），INDEPENDENT BANK CORP同比增速更快（46.9% vs 8.6%），过去两年INDEPENDENT BANK CORP的营收复合增速更高（24.3% vs 11.1%）
Independent Bank Corp是一家总部位于美国密歇根州大急流城的商业银行，业务全部布局于密歇根州内，目前在全州范围内共设有62家实体营业网点，为当地个人及企业客户提供各类银行金融服务。
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。
INDB vs RAMP — 直观对比
营收规模更大
INDB
是对方的1.0倍
$212.2M
营收增速更快
INDB
高出38.3%
8.6%
净利率更高
INDB
高出16.7%
18.8%
两年增速更快
INDB
近两年复合增速
11.1%
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $212.5M | $212.2M |
| 净利润 | $75.3M | $39.9M |
| 毛利率 | — | 71.9% |
| 营业利润率 | — | 18.6% |
| 净利率 | 35.5% | 18.8% |
| 营收同比 | 46.9% | 8.6% |
| 净利润同比 | 50.6% | 255.7% |
| 每股收益（稀释后） | $1.51 | $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INDBRAMP
| Q4 25 | $212.5M | $212.2M | ||
| Q3 25 | $203.3M | $199.8M | ||
| Q2 25 | $147.5M | $194.8M | ||
| Q1 25 | $145.5M | $188.7M | ||
| Q4 24 | $144.7M | $195.4M | ||
| Q3 24 | $141.7M | $185.5M | ||
| Q2 24 | $137.9M | $176.0M | ||
| Q1 24 | $137.4M | $171.9M |
净利润INDBRAMP
| Q4 25 | $75.3M | $39.9M | ||
| Q3 25 | $34.3M | $27.4M | ||
| Q2 25 | $51.1M | $7.7M | ||
| Q1 25 | $44.4M | $-6.3M | ||
| Q4 24 | $50.0M | $11.2M | ||
| Q3 24 | $42.9M | $1.7M | ||
| Q2 24 | $51.3M | $-7.5M | ||
| Q1 24 | $47.8M | $-5.4M |
毛利率INDBRAMP
| 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INDBRAMP
| Q4 25 | — | 18.6% | ||
| Q3 25 | 21.8% | 10.7% | ||
| Q2 25 | 44.6% | 3.7% | ||
| Q1 25 | 39.3% | -6.1% | ||
| Q4 24 | — | 7.5% | ||
| Q3 24 | 39.0% | 4.0% | ||
| Q2 24 | 48.1% | -3.0% | ||
| Q1 24 | 45.5% | -8.3% |
净利率INDBRAMP
| Q4 25 | 35.5% | 18.8% | ||
| Q3 25 | 16.8% | 13.7% | ||
| Q2 25 | 34.6% | 4.0% | ||
| Q1 25 | 30.5% | -3.3% | ||
| Q4 24 | 34.6% | 5.7% | ||
| Q3 24 | 30.3% | 0.9% | ||
| Q2 24 | 37.2% | -4.3% | ||
| Q1 24 | 34.8% | -3.1% |
每股收益（稀释后）INDBRAMP
| Q4 25 | $1.51 | $0.62 | ||
| Q3 25 | $0.69 | $0.42 | ||
| Q2 25 | $1.20 | $0.12 | ||
| Q1 25 | $1.04 | $-0.10 | ||
| Q4 24 | $1.18 | $0.17 | ||
| Q3 24 | $1.01 | $0.03 | ||
| Q2 24 | $1.21 | $-0.11 | ||
| Q1 24 | $1.12 | $-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 | — | — |
| 股东权益账面价值 | $3.6B | $962.3M |
| 总资产 | $24.9B | $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INDBRAMP
| 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 |
股东权益INDBRAMP
| Q4 25 | $3.6B | $962.3M | ||
| Q3 25 | $3.5B | $943.8M | ||
| Q2 25 | $3.1B | $947.8M | ||
| Q1 25 | $3.0B | $948.9M | ||
| Q4 24 | $3.0B | $957.7M | ||
| Q3 24 | $3.0B | $932.1M | ||
| Q2 24 | $2.9B | $951.9M | ||
| Q1 24 | $2.9B | $949.1M |
总资产INDBRAMP
| Q4 25 | $24.9B | $1.3B | ||
| Q3 25 | $25.0B | $1.2B | ||
| Q2 25 | $20.0B | $1.2B | ||
| Q1 25 | $19.9B | $1.3B | ||
| Q4 24 | $19.4B | $1.3B | ||
| Q3 24 | $19.4B | $1.2B | ||
| Q2 24 | $19.4B | $1.2B | ||
| Q1 24 | $19.3B | $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 | $78.9M | — |
| 自由现金流经营现金流 - 资本支出 | $75.5M | — |
| 自由现金流率自由现金流/营收 | 35.5% | — |
| 资本支出强度资本支出/营收 | 1.6% | 0.1% |
| 现金转化率经营现金流/净利润 | 1.05× | — |
| 过去12个月自由现金流最近4个季度 | $239.0M | — |
8季度趋势，按日历期对齐
经营现金流INDBRAMP
| Q4 25 | $78.9M | — | ||
| Q3 25 | $52.2M | $57.4M | ||
| Q2 25 | $106.7M | $-15.8M | ||
| Q1 25 | $13.3M | — | ||
| Q4 24 | $42.9M | $45.1M | ||
| Q3 24 | $70.2M | $55.6M | ||
| Q2 24 | $65.6M | $-9.3M | ||
| Q1 24 | $51.1M | — |
自由现金流INDBRAMP
| Q4 25 | $75.5M | — | ||
| Q3 25 | $49.7M | $56.8M | ||
| Q2 25 | $102.5M | $-16.2M | ||
| Q1 25 | $11.3M | — | ||
| Q4 24 | $36.5M | $44.8M | ||
| Q3 24 | $64.4M | $55.4M | ||
| Q2 24 | $61.9M | $-9.6M | ||
| Q1 24 | $46.7M | — |
自由现金流率INDBRAMP
| Q4 25 | 35.5% | — | ||
| Q3 25 | 24.4% | 28.4% | ||
| Q2 25 | 69.5% | -8.3% | ||
| Q1 25 | 7.8% | — | ||
| Q4 24 | 25.2% | 22.9% | ||
| Q3 24 | 45.4% | 29.8% | ||
| Q2 24 | 44.9% | -5.4% | ||
| Q1 24 | 34.0% | — |
资本支出强度INDBRAMP
| Q4 25 | 1.6% | 0.1% | ||
| Q3 25 | 1.2% | 0.3% | ||
| Q2 25 | 2.9% | 0.2% | ||
| Q1 25 | 1.4% | 0.2% | ||
| Q4 24 | 4.4% | 0.1% | ||
| Q3 24 | 4.1% | 0.1% | ||
| Q2 24 | 2.7% | 0.1% | ||
| Q1 24 | 3.2% | 1.0% |
现金转化率INDBRAMP
| Q4 25 | 1.05× | — | ||
| Q3 25 | 1.52× | 2.09× | ||
| Q2 25 | 2.09× | -2.04× | ||
| Q1 25 | 0.30× | — | ||
| Q4 24 | 0.86× | 4.02× | ||
| Q3 24 | 1.64× | 32.10× | ||
| Q2 24 | 1.28× | — | ||
| Q1 24 | 1.07× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
