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Live Oak Bancshares, Inc.（LOB）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Live Oak Bancshares, Inc.的1.5倍（$212.2M vs $145.5M），Live Oak Bancshares, Inc.净利率更高（19.2% vs 18.8%，领先0.4%），Live Oak Bancshares, Inc.同比增速更快（18.4% vs 8.6%），过去两年LiveRamp Holdings, Inc.的营收复合增速更高（11.1% vs 7.7%）
Live Oak Bancshares, Inc.是一家美国金融控股公司，旗下子公司Live Oak Bank总部位于北卡罗来纳州威尔明顿，业务覆盖美国全部50个州，专注为小企业主提供金融服务，2022年按放贷金额计是美国SBA 7(a)贷款项目的头部放贷机构。
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。
LOB vs RAMP — 直观对比
营收规模更大
RAMP
是对方的1.5倍
$145.5M
营收增速更快
LOB
高出9.8%
8.6%
净利率更高
LOB
高出0.4%
18.8%
两年增速更快
RAMP
近两年复合增速
7.7%
损益表 — Q1 FY2026 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $145.5M | $212.2M |
| 净利润 | $27.9M | $39.9M |
| 毛利率 | — | 71.9% |
| 营业利润率 | — | 18.6% |
| 净利率 | 19.2% | 18.8% |
| 营收同比 | 18.4% | 8.6% |
| 净利润同比 | 187.6% | 255.7% |
| 每股收益（稀释后） | $0.60 | $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LOBRAMP
| Q1 26 | $145.5M | — | ||
| Q4 25 | $161.9M | $212.2M | ||
| Q3 25 | $146.1M | $199.8M | ||
| Q2 25 | $143.7M | $194.8M | ||
| Q1 25 | $126.1M | $188.7M | ||
| Q4 24 | $116.9M | $195.4M | ||
| Q3 24 | $129.9M | $185.5M | ||
| Q2 24 | $125.5M | $176.0M |
净利润LOBRAMP
| Q1 26 | $27.9M | — | ||
| Q4 25 | $46.2M | $39.9M | ||
| Q3 25 | $26.5M | $27.4M | ||
| Q2 25 | $23.4M | $7.7M | ||
| Q1 25 | $9.7M | $-6.3M | ||
| Q4 24 | $9.9M | $11.2M | ||
| Q3 24 | $13.0M | $1.7M | ||
| Q2 24 | $27.0M | $-7.5M |
毛利率LOBRAMP
| Q1 26 | — | — | ||
| 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% |
营业利润率LOBRAMP
| Q1 26 | — | — | ||
| Q4 25 | 38.2% | 18.6% | ||
| Q3 25 | 25.0% | 10.7% | ||
| Q2 25 | 21.7% | 3.7% | ||
| Q1 25 | 10.4% | -6.1% | ||
| Q4 24 | 11.3% | 7.5% | ||
| Q3 24 | 13.7% | 4.0% | ||
| Q2 24 | 28.7% | -3.0% |
净利率LOBRAMP
| Q1 26 | 19.2% | — | ||
| Q4 25 | 28.5% | 18.8% | ||
| Q3 25 | 18.1% | 13.7% | ||
| Q2 25 | 16.3% | 4.0% | ||
| Q1 25 | 7.7% | -3.3% | ||
| Q4 24 | 8.5% | 5.7% | ||
| Q3 24 | 10.0% | 0.9% | ||
| Q2 24 | 21.5% | -4.3% |
每股收益（稀释后）LOBRAMP
| Q1 26 | $0.60 | — | ||
| Q4 25 | $0.96 | $0.62 | ||
| Q3 25 | $0.55 | $0.42 | ||
| Q2 25 | $0.51 | $0.12 | ||
| Q1 25 | $0.21 | $-0.10 | ||
| Q4 24 | $0.22 | $0.17 | ||
| Q3 24 | $0.28 | $0.03 | ||
| Q2 24 | $0.59 | $-0.11 |
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 | $1.3B | $962.3M |
| 总资产 | $15.3B | $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LOBRAMP
| Q1 26 | — | — | ||
| 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 |
股东权益LOBRAMP
| Q1 26 | $1.3B | — | ||
| Q4 25 | $1.2B | $962.3M | ||
| Q3 25 | $1.2B | $943.8M | ||
| Q2 25 | $1.1B | $947.8M | ||
| Q1 25 | $1.0B | $948.9M | ||
| Q4 24 | $999.0M | $957.7M | ||
| Q3 24 | $1.0B | $932.1M | ||
| Q2 24 | $961.0M | $951.9M |
总资产LOBRAMP
| Q1 26 | $15.3B | — | ||
| Q4 25 | $15.1B | $1.3B | ||
| Q3 25 | $14.7B | $1.2B | ||
| Q2 25 | $13.8B | $1.2B | ||
| Q1 25 | $13.6B | $1.3B | ||
| Q4 24 | $12.9B | $1.3B | ||
| Q3 24 | $12.6B | $1.2B | ||
| Q2 24 | $11.9B | $1.2B |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
