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NAVIENT CORP（NAVI）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NAVIENT CORP的1.5倍（$212.2M vs $137.0M），LiveRamp Holdings, Inc.净利率更高（18.8% vs -5.0%，领先23.8%），LiveRamp Holdings, Inc.同比增速更快（8.6% vs -38.3%），过去两年LiveRamp Holdings, Inc.的营收复合增速更高（11.1% vs -30.9%）
纳文特公司是一家总部位于美国特拉华州威尔明顿的金融服务企业，前身是学生贷款服务商。公司于2014年由学生贷款机构萨利美拆分而来，目前在美国各地设有办事处，共有约4500名员工，2018年时曾承接全美四分之一的学生贷款业务，2024年被禁止承接联邦学生贷款业务。
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。
NAVI vs RAMP — 直观对比
营收规模更大
RAMP
是对方的1.5倍
$137.0M
营收增速更快
RAMP
高出46.9%
-38.3%
净利率更高
RAMP
高出23.8%
-5.0%
两年增速更快
RAMP
近两年复合增速
-30.9%
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $137.0M | $212.2M |
| 净利润 | $-6.0M | $39.9M |
| 毛利率 | — | 71.9% |
| 营业利润率 | -5.9% | 18.6% |
| 净利率 | -5.0% | 18.8% |
| 营收同比 | -38.3% | 8.6% |
| 净利润同比 | -125.0% | 255.7% |
| 每股收益（稀释后） | $-0.05 | $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NAVIRAMP
| Q4 25 | $137.0M | $212.2M | ||
| Q3 25 | $161.0M | $199.8M | ||
| Q2 25 | $156.0M | $194.8M | ||
| Q1 25 | $156.0M | $188.7M | ||
| Q4 24 | $222.0M | $195.4M | ||
| Q3 24 | $396.0M | $185.5M | ||
| Q2 24 | $247.0M | $176.0M | ||
| Q1 24 | $287.0M | $171.9M |
净利润NAVIRAMP
| Q4 25 | $-6.0M | $39.9M | ||
| Q3 25 | $-86.0M | $27.4M | ||
| Q2 25 | $14.0M | $7.7M | ||
| Q1 25 | $-2.0M | $-6.3M | ||
| Q4 24 | $24.0M | $11.2M | ||
| Q3 24 | $-2.0M | $1.7M | ||
| Q2 24 | $36.0M | $-7.5M | ||
| Q1 24 | $73.0M | $-5.4M |
毛利率NAVIRAMP
| 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NAVIRAMP
| Q4 25 | -5.9% | 18.6% | ||
| Q3 25 | -72.7% | 10.7% | ||
| Q2 25 | 11.5% | 3.7% | ||
| Q1 25 | -3.2% | -6.1% | ||
| Q4 24 | 11.7% | 7.5% | ||
| Q3 24 | 3.0% | 4.0% | ||
| Q2 24 | 19.4% | -3.0% | ||
| Q1 24 | 30.7% | -8.3% |
净利率NAVIRAMP
| Q4 25 | -5.0% | 18.8% | ||
| Q3 25 | -53.4% | 13.7% | ||
| Q2 25 | 9.0% | 4.0% | ||
| Q1 25 | -1.3% | -3.3% | ||
| Q4 24 | 10.8% | 5.7% | ||
| Q3 24 | -0.5% | 0.9% | ||
| Q2 24 | 14.6% | -4.3% | ||
| Q1 24 | 25.4% | -3.1% |
每股收益（稀释后）NAVIRAMP
| Q4 25 | $-0.05 | $0.62 | ||
| Q3 25 | $-0.87 | $0.42 | ||
| Q2 25 | $0.13 | $0.12 | ||
| Q1 25 | $-0.02 | $-0.10 | ||
| Q4 24 | $0.24 | $0.17 | ||
| Q3 24 | $-0.02 | $0.03 | ||
| Q2 24 | $0.32 | $-0.11 | ||
| Q1 24 | $0.64 | $-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 | $637.0M | $403.4M |
| 总债务越低越好 | $40.6B | — |
| 股东权益账面价值 | $2.4B | $962.3M |
| 总资产 | $48.7B | $1.3B |
| 负债/权益比越低杠杆越低 | 16.94× | — |
8季度趋势，按日历期对齐
现金及短期投资NAVIRAMP
| Q4 25 | $637.0M | $403.4M | ||
| Q3 25 | $571.0M | $376.9M | ||
| Q2 25 | $712.0M | $371.1M | ||
| Q1 25 | $642.0M | $420.8M | ||
| Q4 24 | $722.0M | $384.3M | ||
| Q3 24 | $1.1B | $348.4M | ||
| Q2 24 | $1.1B | $342.7M | ||
| Q1 24 | $823.0M | $368.9M |
总债务NAVIRAMP
| Q4 25 | $40.6B | — | ||
| Q3 25 | $41.4B | — | ||
| Q2 25 | $42.3B | — | ||
| Q1 25 | $42.9B | — | ||
| Q4 24 | $43.2B | — | ||
| Q3 24 | $44.7B | — | ||
| Q2 24 | $47.5B | — | ||
| Q1 24 | $50.8B | — |
股东权益NAVIRAMP
| Q4 25 | $2.4B | $962.3M | ||
| Q3 25 | $2.4B | $943.8M | ||
| Q2 25 | $2.6B | $947.8M | ||
| Q1 25 | $2.6B | $948.9M | ||
| Q4 24 | $2.6B | $957.7M | ||
| Q3 24 | $2.7B | $932.1M | ||
| Q2 24 | $2.7B | $951.9M | ||
| Q1 24 | $2.8B | $949.1M |
总资产NAVIRAMP
| Q4 25 | $48.7B | $1.3B | ||
| Q3 25 | $49.3B | $1.2B | ||
| Q2 25 | $50.2B | $1.2B | ||
| Q1 25 | $51.0B | $1.3B | ||
| Q4 24 | $51.8B | $1.3B | ||
| Q3 24 | $53.4B | $1.2B | ||
| Q2 24 | $56.6B | $1.2B | ||
| Q1 24 | $59.0B | $1.2B |
负债/权益比NAVIRAMP
| Q4 25 | 16.94× | — | ||
| Q3 25 | 16.98× | — | ||
| Q2 25 | 16.52× | — | ||
| Q1 25 | 16.56× | — | ||
| Q4 24 | 16.35× | — | ||
| Q3 24 | 16.59× | — | ||
| Q2 24 | 17.30× | — | ||
| Q1 24 | 18.38× | — |
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 | $441.0M | — |
| 自由现金流经营现金流 - 资本支出 | — | — |
| 自由现金流率自由现金流/营收 | — | — |
| 资本支出强度资本支出/营收 | — | 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 | — | — |
8季度趋势，按日历期对齐
经营现金流NAVIRAMP
| Q4 25 | $441.0M | — | ||
| Q3 25 | $70.0M | $57.4M | ||
| Q2 25 | $126.0M | $-15.8M | ||
| Q1 25 | $71.0M | — | ||
| Q4 24 | $459.0M | $45.1M | ||
| Q3 24 | $-10.0M | $55.6M | ||
| Q2 24 | $279.0M | $-9.3M | ||
| Q1 24 | $182.0M | — |
自由现金流NAVIRAMP
| Q4 25 | — | — | ||
| Q3 25 | — | $56.8M | ||
| Q2 25 | — | $-16.2M | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $44.8M | ||
| Q3 24 | — | $55.4M | ||
| Q2 24 | — | $-9.6M | ||
| Q1 24 | — | — |
自由现金流率NAVIRAMP
| Q4 25 | — | — | ||
| Q3 25 | — | 28.4% | ||
| Q2 25 | — | -8.3% | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 22.9% | ||
| Q3 24 | — | 29.8% | ||
| Q2 24 | — | -5.4% | ||
| Q1 24 | — | — |
资本支出强度NAVIRAMP
| Q4 25 | — | 0.1% | ||
| Q3 25 | — | 0.3% | ||
| Q2 25 | — | 0.2% | ||
| Q1 25 | — | 0.2% | ||
| Q4 24 | — | 0.1% | ||
| Q3 24 | — | 0.1% | ||
| Q2 24 | — | 0.1% | ||
| Q1 24 | — | 1.0% |
现金转化率NAVIRAMP
| Q4 25 | — | — | ||
| Q3 25 | — | 2.09× | ||
| Q2 25 | 9.00× | -2.04× | ||
| Q1 25 | — | — | ||
| Q4 24 | 19.13× | 4.02× | ||
| Q3 24 | — | 32.10× | ||
| Q2 24 | 7.75× | — | ||
| Q1 24 | 2.49× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
