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National Bank Holdings Corp（NBHC）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National Bank Holdings Corp的1.7倍（$212.2M vs $126.8M），LiveRamp Holdings, Inc.净利率更高（18.8% vs 16.4%，领先2.4%），过去两年National Bank Holdings Corp的营收复合增速更高（14.0% vs 11.1%）
这是一家美国区域性银行控股集团，目前在伊利诺伊、印第安纳等八个美国州布局营业网点，拥有近250个金融服务中心与约200家零售分行，总资产达485亿美元。它是总部位于印第安纳州的最大银行控股公司，也跻身美国银行业三十强之列。
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。
NBHC vs RAMP — 直观对比
营收规模更大
RAMP
是对方的1.7倍
$126.8M
净利率更高
RAMP
高出2.4%
16.4%
两年增速更快
NBHC
近两年复合增速
11.1%
损益表 — Q1 FY2026 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $126.8M | $212.2M |
| 净利润 | $20.8M | $39.9M |
| 毛利率 | — | 71.9% |
| 营业利润率 | — | 18.6% |
| 净利率 | 16.4% | 18.8% |
| 营收同比 | — | 8.6% |
| 净利润同比 | -14.2% | 255.7% |
| 每股收益（稀释后） | $0.46 | $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NBHCRAMP
| Q1 26 | $126.8M | — | ||
| Q4 25 | $100.6M | $212.2M | ||
| Q3 25 | $108.9M | $199.8M | ||
| Q2 25 | $104.5M | $194.8M | ||
| Q1 25 | $102.1M | $188.7M | ||
| Q4 24 | $101.3M | $195.4M | ||
| Q3 24 | $106.0M | $185.5M | ||
| Q2 24 | $97.6M | $176.0M |
净利润NBHCRAMP
| Q1 26 | $20.8M | — | ||
| Q4 25 | $16.0M | $39.9M | ||
| Q3 25 | $35.3M | $27.4M | ||
| Q2 25 | $34.0M | $7.7M | ||
| Q1 25 | $24.2M | $-6.3M | ||
| Q4 24 | $28.2M | $11.2M | ||
| Q3 24 | $33.1M | $1.7M | ||
| Q2 24 | $26.1M | $-7.5M |
毛利率NBHCRAMP
| 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NBHCRAMP
| Q1 26 | — | — | ||
| Q4 25 | 19.0% | 18.6% | ||
| Q3 25 | 39.6% | 10.7% | ||
| Q2 25 | 39.8% | 3.7% | ||
| Q1 25 | 29.2% | -6.1% | ||
| Q4 24 | 34.3% | 7.5% | ||
| Q3 24 | 37.6% | 4.0% | ||
| Q2 24 | 32.5% | -3.0% |
净利率NBHCRAMP
| Q1 26 | 16.4% | — | ||
| Q4 25 | 15.9% | 18.8% | ||
| Q3 25 | 32.4% | 13.7% | ||
| Q2 25 | 32.6% | 4.0% | ||
| Q1 25 | 23.7% | -3.3% | ||
| Q4 24 | 27.8% | 5.7% | ||
| Q3 24 | 31.2% | 0.9% | ||
| Q2 24 | 26.8% | -4.3% |
每股收益（稀释后）NBHCRAMP
| Q1 26 | $0.46 | — | ||
| Q4 25 | $0.42 | $0.62 | ||
| Q3 25 | $0.92 | $0.42 | ||
| Q2 25 | $0.88 | $0.12 | ||
| Q1 25 | $0.63 | $-0.10 | ||
| Q4 24 | $0.72 | $0.17 | ||
| Q3 24 | $0.86 | $0.03 | ||
| Q2 24 | $0.68 | $-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 | $472.8M | $403.4M |
| 总债务越低越好 | $202.1M | — |
| 股东权益账面价值 | $1.7B | $962.3M |
| 总资产 | $12.6B | $1.3B |
| 负债/权益比越低杠杆越低 | 0.12× | — |
8季度趋势，按日历期对齐
现金及短期投资NBHCRAMP
| Q1 26 | $472.8M | — | ||
| Q4 25 | $417.1M | $403.4M | ||
| Q3 25 | $555.6M | $376.9M | ||
| Q2 25 | $296.5M | $371.1M | ||
| Q1 25 | $246.3M | $420.8M | ||
| Q4 24 | $127.8M | $384.3M | ||
| Q3 24 | $180.8M | $348.4M | ||
| Q2 24 | $145.0M | $342.7M |
总债务NBHCRAMP
| Q1 26 | $202.1M | — | ||
| Q4 25 | $54.5M | — | ||
| Q3 25 | $54.7M | — | ||
| Q2 25 | $54.4M | — | ||
| Q1 25 | $54.6M | — | ||
| Q4 24 | $54.5M | — | ||
| Q3 24 | $54.4M | — | ||
| Q2 24 | $54.4M | — |
股东权益NBHCRAMP
| Q1 26 | $1.7B | — | ||
| Q4 25 | $1.4B | $962.3M | ||
| Q3 25 | $1.4B | $943.8M | ||
| Q2 25 | $1.4B | $947.8M | ||
| Q1 25 | $1.3B | $948.9M | ||
| Q4 24 | $1.3B | $957.7M | ||
| Q3 24 | $1.3B | $932.1M | ||
| Q2 24 | $1.2B | $951.9M |
总资产NBHCRAMP
| Q1 26 | $12.6B | — | ||
| Q4 25 | $9.9B | $1.3B | ||
| Q3 25 | $10.2B | $1.2B | ||
| Q2 25 | $10.0B | $1.2B | ||
| Q1 25 | $10.1B | $1.3B | ||
| Q4 24 | $9.8B | $1.3B | ||
| Q3 24 | $10.0B | $1.2B | ||
| Q2 24 | $10.0B | $1.2B |
负债/权益比NBHCRAMP
| Q1 26 | 0.12× | — | ||
| Q4 25 | 0.04× | — | ||
| Q3 25 | 0.04× | — | ||
| Q2 25 | 0.04× | — | ||
| Q1 25 | 0.04× | — | ||
| Q4 24 | 0.04× | — | ||
| Q3 24 | 0.04× | — | ||
| Q2 24 | 0.04× | — |
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
NBHC
| Net Interest Income | $108.8M | 86% |
| Noninterest Income | $18.0M | 14% |
RAMP
暂无分部数据
