vs
loanDepot, Inc.（LDI）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
loanDepot, Inc.的季度营收约是LiveRamp Holdings, Inc.的1.5倍（$310.3M vs $212.2M），LiveRamp Holdings, Inc.净利率更高（18.8% vs -7.2%，领先26.0%），loanDepot, Inc.同比增速更快（20.5% vs 8.6%），过去两年loanDepot, Inc.的营收复合增速更高（18.0% vs 11.1%）
loanDepot, Inc.是一家总部位于美国加利福尼亚州欧文市的非银行控股公司，主营抵押贷款及其他非抵押类贷款产品的销售业务，是美国市场上颇具规模的消费信贷服务提供商。
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。
LDI vs RAMP — 直观对比
营收规模更大
LDI
是对方的1.5倍
$212.2M
营收增速更快
LDI
高出11.9%
8.6%
净利率更高
RAMP
高出26.0%
-7.2%
两年增速更快
LDI
近两年复合增速
11.1%
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $310.3M | $212.2M |
| 净利润 | $-22.5M | $39.9M |
| 毛利率 | — | 71.9% |
| 营业利润率 | -10.3% | 18.6% |
| 净利率 | -7.2% | 18.8% |
| 营收同比 | 20.5% | 8.6% |
| 净利润同比 | 32.4% | 255.7% |
| 每股收益（稀释后） | — | $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LDIRAMP
| Q4 25 | $310.3M | $212.2M | ||
| Q3 25 | $323.3M | $199.8M | ||
| Q2 25 | $282.5M | $194.8M | ||
| Q1 25 | $273.6M | $188.7M | ||
| Q4 24 | $257.5M | $195.4M | ||
| Q3 24 | $314.6M | $185.5M | ||
| Q2 24 | $265.4M | $176.0M | ||
| Q1 24 | $222.8M | $171.9M |
净利润LDIRAMP
| Q4 25 | $-22.5M | $39.9M | ||
| Q3 25 | $-4.9M | $27.4M | ||
| Q2 25 | $-13.4M | $7.7M | ||
| Q1 25 | $-21.9M | $-6.3M | ||
| Q4 24 | $-33.2M | $11.2M | ||
| Q3 24 | $1.4M | $1.7M | ||
| Q2 24 | $-32.2M | $-7.5M | ||
| Q1 24 | $-34.3M | $-5.4M |
毛利率LDIRAMP
| 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LDIRAMP
| Q4 25 | -10.3% | 18.6% | ||
| Q3 25 | -3.2% | 10.7% | ||
| Q2 25 | -11.4% | 3.7% | ||
| Q1 25 | -16.8% | -6.1% | ||
| Q4 24 | -32.7% | 7.5% | ||
| Q3 24 | 1.1% | 4.0% | ||
| Q2 24 | -29.1% | -3.0% | ||
| Q1 24 | -38.2% | -8.3% |
净利率LDIRAMP
| Q4 25 | -7.2% | 18.8% | ||
| Q3 25 | -1.5% | 13.7% | ||
| Q2 25 | -4.7% | 4.0% | ||
| Q1 25 | -8.0% | -3.3% | ||
| Q4 24 | -12.9% | 5.7% | ||
| Q3 24 | 0.4% | 0.9% | ||
| Q2 24 | -12.1% | -4.3% | ||
| Q1 24 | -15.4% | -3.1% |
每股收益（稀释后）LDIRAMP
| Q4 25 | — | $0.62 | ||
| Q3 25 | — | $0.42 | ||
| Q2 25 | — | $0.12 | ||
| Q1 25 | — | $-0.10 | ||
| Q4 24 | — | $0.17 | ||
| Q3 24 | $0.01 | $0.03 | ||
| Q2 24 | $-0.18 | $-0.11 | ||
| Q1 24 | $-0.19 | $-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 | $337.2M | $403.4M |
| 总债务越低越好 | $2.1B | — |
| 股东权益账面价值 | $386.0M | $962.3M |
| 总资产 | $6.9B | $1.3B |
| 负债/权益比越低杠杆越低 | 5.44× | — |
8季度趋势，按日历期对齐
现金及短期投资LDIRAMP
| Q4 25 | $337.2M | $403.4M | ||
| Q3 25 | $459.2M | $376.9M | ||
| Q2 25 | $408.6M | $371.1M | ||
| Q1 25 | $371.5M | $420.8M | ||
| Q4 24 | $421.6M | $384.3M | ||
| Q3 24 | $483.0M | $348.4M | ||
| Q2 24 | $533.2M | $342.7M | ||
| Q1 24 | $603.7M | $368.9M |
总债务LDIRAMP
| Q4 25 | $2.1B | — | ||
| Q3 25 | $2.1B | — | ||
| Q2 25 | $2.1B | — | ||
| Q1 25 | $2.0B | — | ||
| Q4 24 | $2.0B | — | ||
| Q3 24 | $2.0B | — | ||
| Q2 24 | $2.0B | — | ||
| Q1 24 | $2.3B | — |
股东权益LDIRAMP
| Q4 25 | $386.0M | $962.3M | ||
| Q3 25 | $433.3M | $943.8M | ||
| Q2 25 | $439.1M | $947.8M | ||
| Q1 25 | $469.3M | $948.9M | ||
| Q4 24 | $506.6M | $957.7M | ||
| Q3 24 | $592.0M | $932.1M | ||
| Q2 24 | $578.9M | $951.9M | ||
| Q1 24 | $637.3M | $949.1M |
总资产LDIRAMP
| Q4 25 | $6.9B | $1.3B | ||
| Q3 25 | $6.2B | $1.2B | ||
| Q2 25 | $6.2B | $1.2B | ||
| Q1 25 | $6.4B | $1.3B | ||
| Q4 24 | $6.3B | $1.3B | ||
| Q3 24 | $6.4B | $1.2B | ||
| Q2 24 | $5.9B | $1.2B | ||
| Q1 24 | $6.2B | $1.2B |
负债/权益比LDIRAMP
| Q4 25 | 5.44× | — | ||
| Q3 25 | 4.83× | — | ||
| Q2 25 | 4.70× | — | ||
| Q1 25 | 4.30× | — | ||
| Q4 24 | 4.00× | — | ||
| Q3 24 | 3.31× | — | ||
| Q2 24 | 3.41× | — | ||
| Q1 24 | 3.63× | — |
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 | $-638.7M | — |
| 自由现金流经营现金流 - 资本支出 | $-648.0M | — |
| 自由现金流率自由现金流/营收 | -208.9% | — |
| 资本支出强度资本支出/营收 | 3.0% | 0.1% |
| 现金转化率经营现金流/净利润 | — | — |
| 过去12个月自由现金流最近4个季度 | $-734.6M | — |
8季度趋势，按日历期对齐
经营现金流LDIRAMP
| Q4 25 | $-638.7M | — | ||
| Q3 25 | $43.4M | $57.4M | ||
| Q2 25 | $67.6M | $-15.8M | ||
| Q1 25 | $-179.9M | — | ||
| Q4 24 | $47.7M | $45.1M | ||
| Q3 24 | $-349.2M | $55.6M | ||
| Q2 24 | $-278.3M | $-9.3M | ||
| Q1 24 | $-278.5M | — |
自由现金流LDIRAMP
| Q4 25 | $-648.0M | — | ||
| Q3 25 | $38.7M | $56.8M | ||
| Q2 25 | $61.4M | $-16.2M | ||
| Q1 25 | $-186.7M | — | ||
| Q4 24 | $40.8M | $44.8M | ||
| Q3 24 | $-356.4M | $55.4M | ||
| Q2 24 | $-285.7M | $-9.6M | ||
| Q1 24 | $-283.3M | — |
自由现金流率LDIRAMP
| Q4 25 | -208.9% | — | ||
| Q3 25 | 12.0% | 28.4% | ||
| Q2 25 | 21.7% | -8.3% | ||
| Q1 25 | -68.2% | — | ||
| Q4 24 | 15.8% | 22.9% | ||
| Q3 24 | -113.3% | 29.8% | ||
| Q2 24 | -107.7% | -5.4% | ||
| Q1 24 | -127.2% | — |
资本支出强度LDIRAMP
| Q4 25 | 3.0% | 0.1% | ||
| Q3 25 | 1.5% | 0.3% | ||
| Q2 25 | 2.2% | 0.2% | ||
| Q1 25 | 2.5% | 0.2% | ||
| Q4 24 | 2.7% | 0.1% | ||
| Q3 24 | 2.3% | 0.1% | ||
| Q2 24 | 2.8% | 0.1% | ||
| Q1 24 | 2.1% | 1.0% |
现金转化率LDIRAMP
| Q4 25 | — | — | ||
| Q3 25 | — | 2.09× | ||
| Q2 25 | — | -2.04× | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 4.02× | ||
| Q3 24 | -255.05× | 32.10× | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
