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Merchants Bancorp（MBIN）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Merchants Bancorp的1.2倍（$212.2M vs $175.2M），Merchants Bancorp净利率更高（38.6% vs 18.8%，领先19.9%），过去两年LiveRamp Holdings, Inc.的营收复合增速更高（11.1% vs 4.8%）
Ameris Bancorp是总部位于美国佐治亚州亚特兰大的银行控股企业，旗下设有Ameris Bank子公司，在佐治亚州、阿拉巴马州、佛罗里达州、北卡罗来纳州、南卡罗来纳州运营全服务网点，同时在上述五州及弗吉尼亚州、马里兰州、田纳西州设立仅办理抵押贷款业务的网点，为个人和企业客户提供线上及移动端银行服务。
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。
MBIN vs RAMP — 直观对比
营收规模更大
RAMP
是对方的1.2倍
$175.2M
净利率更高
MBIN
高出19.9%
18.8%
两年增速更快
RAMP
近两年复合增速
4.8%
损益表 — Q1 FY2026 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $175.2M | $212.2M |
| 净利润 | $67.7M | $39.9M |
| 毛利率 | — | 71.9% |
| 营业利润率 | — | 18.6% |
| 净利率 | 38.6% | 18.8% |
| 营收同比 | — | 8.6% |
| 净利润同比 | 16.3% | 255.7% |
| 每股收益（稀释后） | $1.25 | $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MBINRAMP
| Q1 26 | $175.2M | — | ||
| Q4 25 | $185.3M | $212.2M | ||
| Q3 25 | $171.1M | $199.8M | ||
| Q2 25 | $179.2M | $194.8M | ||
| Q1 25 | $145.9M | $188.7M | ||
| Q4 24 | $193.8M | $195.4M | ||
| Q3 24 | $149.6M | $185.5M | ||
| Q2 24 | $159.5M | $176.0M |
净利润MBINRAMP
| Q1 26 | $67.7M | — | ||
| Q4 25 | — | $39.9M | ||
| Q3 25 | $54.7M | $27.4M | ||
| Q2 25 | $38.0M | $7.7M | ||
| Q1 25 | $58.2M | $-6.3M | ||
| Q4 24 | — | $11.2M | ||
| Q3 24 | $61.3M | $1.7M | ||
| Q2 24 | $76.4M | $-7.5M |
毛利率MBINRAMP
| 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MBINRAMP
| Q1 26 | — | — | ||
| Q4 25 | 39.9% | 18.6% | ||
| Q3 25 | 37.8% | 10.7% | ||
| Q2 25 | 27.3% | 3.7% | ||
| Q1 25 | 52.4% | -6.1% | ||
| Q4 24 | 66.0% | 7.5% | ||
| Q3 24 | 54.4% | 4.0% | ||
| Q2 24 | 62.2% | -3.0% |
净利率MBINRAMP
| Q1 26 | 38.6% | — | ||
| Q4 25 | — | 18.8% | ||
| Q3 25 | 32.0% | 13.7% | ||
| Q2 25 | 21.2% | 4.0% | ||
| Q1 25 | 39.9% | -3.3% | ||
| Q4 24 | — | 5.7% | ||
| Q3 24 | 41.0% | 0.9% | ||
| Q2 24 | 47.9% | -4.3% |
每股收益（稀释后）MBINRAMP
| Q1 26 | $1.25 | — | ||
| Q4 25 | $1.28 | $0.62 | ||
| Q3 25 | $0.97 | $0.42 | ||
| Q2 25 | $0.60 | $0.12 | ||
| Q1 25 | $0.93 | $-0.10 | ||
| Q4 24 | $1.84 | $0.17 | ||
| Q3 24 | $1.17 | $0.03 | ||
| Q2 24 | $1.49 | $-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 | $83.2M | $403.4M |
| 总债务越低越好 | $32.0M | — |
| 股东权益账面价值 | $2.3B | $962.3M |
| 总资产 | $20.3B | $1.3B |
| 负债/权益比越低杠杆越低 | 0.01× | — |
8季度趋势，按日历期对齐
现金及短期投资MBINRAMP
| Q1 26 | $83.2M | — | ||
| 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 |
总债务MBINRAMP
| Q1 26 | $32.0M | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
股东权益MBINRAMP
| Q1 26 | $2.3B | — | ||
| Q4 25 | $2.3B | $962.3M | ||
| Q3 25 | $2.2B | $943.8M | ||
| Q2 25 | $2.2B | $947.8M | ||
| Q1 25 | $2.2B | $948.9M | ||
| Q4 24 | $2.2B | $957.7M | ||
| Q3 24 | $1.9B | $932.1M | ||
| Q2 24 | $1.9B | $951.9M |
总资产MBINRAMP
| Q1 26 | $20.3B | — | ||
| Q4 25 | $19.4B | $1.3B | ||
| Q3 25 | $19.4B | $1.2B | ||
| Q2 25 | $19.1B | $1.2B | ||
| Q1 25 | $18.8B | $1.3B | ||
| Q4 24 | $18.8B | $1.3B | ||
| Q3 24 | $18.7B | $1.2B | ||
| Q2 24 | $18.2B | $1.2B |
负债/权益比MBINRAMP
| Q1 26 | 0.01× | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
业务分部营收拆解
MBIN
| Net Interest Income | $128.6M | 73% |
| Noninterest Income | $46.6M | 27% |
RAMP
暂无分部数据
