vs
NMI Holdings, Inc.（NMIH）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NMI Holdings, Inc.的1.2倍（$212.2M vs $183.5M），NMI Holdings, Inc.净利率更高（54.1% vs 18.8%，领先35.3%），LiveRamp Holdings, Inc.同比增速更快（8.6% vs 5.9%），过去两年LiveRamp Holdings, Inc.的营收复合增速更高（11.1% vs 6.4%）
NMI控股是美国头部私人抵押贷款保险服务商，主要为贷款机构提供抵押贷款担保保险产品，降低住房抵押贷款信用风险，服务美国本土住宅市场，助力符合资质的购房者获得购房便利，同时保护放贷机构免受违约损失。
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。
NMIH vs RAMP — 直观对比
营收规模更大
RAMP
是对方的1.2倍
$183.5M
营收增速更快
RAMP
高出2.7%
5.9%
净利率更高
NMIH
高出35.3%
18.8%
两年增速更快
RAMP
近两年复合增速
6.4%
损益表 — Q1 FY2026 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $183.5M | $212.2M |
| 净利润 | $99.3M | $39.9M |
| 毛利率 | — | 71.9% |
| 营业利润率 | — | 18.6% |
| 净利率 | 54.1% | 18.8% |
| 营收同比 | 5.9% | 8.6% |
| 净利润同比 | — | 255.7% |
| 每股收益（稀释后） | $1.28 | $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NMIHRAMP
| Q1 26 | $183.5M | — | ||
| Q4 25 | $180.7M | $212.2M | ||
| Q3 25 | $178.7M | $199.8M | ||
| Q2 25 | $173.8M | $194.8M | ||
| Q1 25 | $173.2M | $188.7M | ||
| Q4 24 | $166.5M | $195.4M | ||
| Q3 24 | $166.1M | $185.5M | ||
| Q2 24 | $162.1M | $176.0M |
净利润NMIHRAMP
| Q1 26 | $99.3M | — | ||
| Q4 25 | $94.2M | $39.9M | ||
| Q3 25 | $96.0M | $27.4M | ||
| Q2 25 | $96.2M | $7.7M | ||
| Q1 25 | $102.6M | $-6.3M | ||
| Q4 24 | $86.2M | $11.2M | ||
| Q3 24 | $92.8M | $1.7M | ||
| Q2 24 | $92.1M | $-7.5M |
毛利率NMIHRAMP
| 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NMIHRAMP
| Q1 26 | — | — | ||
| Q4 25 | 67.0% | 18.6% | ||
| Q3 25 | 69.2% | 10.7% | ||
| Q2 25 | 71.1% | 3.7% | ||
| Q1 25 | 75.8% | -6.1% | ||
| Q4 24 | 66.6% | 7.5% | ||
| Q3 24 | 71.8% | 4.0% | ||
| Q2 24 | 73.2% | -3.0% |
净利率NMIHRAMP
| Q1 26 | 54.1% | — | ||
| Q4 25 | 52.1% | 18.8% | ||
| Q3 25 | 53.7% | 13.7% | ||
| Q2 25 | 55.3% | 4.0% | ||
| Q1 25 | 59.2% | -3.3% | ||
| Q4 24 | 51.8% | 5.7% | ||
| Q3 24 | 55.9% | 0.9% | ||
| Q2 24 | 56.8% | -4.3% |
每股收益（稀释后）NMIHRAMP
| Q1 26 | $1.28 | — | ||
| Q4 25 | $1.21 | $0.62 | ||
| Q3 25 | $1.22 | $0.42 | ||
| Q2 25 | $1.21 | $0.12 | ||
| Q1 25 | $1.28 | $-0.10 | ||
| Q4 24 | $1.07 | $0.17 | ||
| Q3 24 | $1.15 | $0.03 | ||
| Q2 24 | $1.13 | $-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 | $70.7M | $403.4M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $2.6B | $962.3M |
| 总资产 | $3.9B | $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NMIHRAMP
| Q1 26 | $70.7M | — | ||
| 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NMIHRAMP
| Q1 26 | $2.6B | — | ||
| Q4 25 | $2.6B | $962.3M | ||
| Q3 25 | $2.5B | $943.8M | ||
| Q2 25 | $2.4B | $947.8M | ||
| Q1 25 | $2.3B | $948.9M | ||
| Q4 24 | $2.2B | $957.7M | ||
| Q3 24 | $2.2B | $932.1M | ||
| Q2 24 | $2.0B | $951.9M |
总资产NMIHRAMP
| Q1 26 | $3.9B | — | ||
| Q4 25 | $3.8B | $1.3B | ||
| Q3 25 | $3.7B | $1.2B | ||
| Q2 25 | $3.6B | $1.2B | ||
| Q1 25 | $3.5B | $1.3B | ||
| Q4 24 | $3.3B | $1.3B | ||
| Q3 24 | $3.3B | $1.2B | ||
| Q2 24 | $3.1B | $1.2B |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
