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OFG BANCORP（OFG）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OFG BANCORP的1.2倍（$212.2M vs $184.3M），OFG BANCORP净利率更高（30.3% vs 18.8%，领先11.5%），LiveRamp Holdings, Inc.同比增速更快（8.6% vs 0.9%），过去两年LiveRamp Holdings, Inc.的营收复合增速更高（11.1% vs 2.8%）
OFG Bancorp成立于1964年，总部位于波多黎各圣胡安，是东方银行的金融控股公司。公司通过东方银行、东方金融服务有限责任公司、东方保险有限责任公司等核心子公司，主要面向波多黎各和美属维尔京群岛市场，提供多元化的零售与商业银行、贷款、财富管理相关产品、服务及技术解决方案。
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。
OFG vs RAMP — 直观对比
营收规模更大
RAMP
是对方的1.2倍
$184.3M
营收增速更快
RAMP
高出7.7%
0.9%
净利率更高
OFG
高出11.5%
18.8%
两年增速更快
RAMP
近两年复合增速
2.8%
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $184.3M | $212.2M |
| 净利润 | $55.9M | $39.9M |
| 毛利率 | — | 71.9% |
| 营业利润率 | 25.7% | 18.6% |
| 净利率 | 30.3% | 18.8% |
| 营收同比 | 0.9% | 8.6% |
| 净利润同比 | 11.0% | 255.7% |
| 每股收益（稀释后） | $1.27 | $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OFGRAMP
| Q4 25 | $184.3M | $212.2M | ||
| Q3 25 | $186.2M | $199.8M | ||
| Q2 25 | $182.4M | $194.8M | ||
| Q1 25 | $178.6M | $188.7M | ||
| Q4 24 | $182.7M | $195.4M | ||
| Q3 24 | $174.7M | $185.5M | ||
| Q2 24 | $179.8M | $176.0M | ||
| Q1 24 | $174.4M | $171.9M |
净利润OFGRAMP
| Q4 25 | $55.9M | $39.9M | ||
| Q3 25 | $51.8M | $27.4M | ||
| Q2 25 | $51.8M | $7.7M | ||
| Q1 25 | $45.6M | $-6.3M | ||
| Q4 24 | $50.3M | $11.2M | ||
| Q3 24 | $47.0M | $1.7M | ||
| Q2 24 | $51.1M | $-7.5M | ||
| Q1 24 | $49.7M | $-5.4M |
毛利率OFGRAMP
| 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OFGRAMP
| Q4 25 | 25.7% | 18.6% | ||
| Q3 25 | 33.0% | 10.7% | ||
| Q2 25 | 36.1% | 3.7% | ||
| Q1 25 | 33.3% | -6.1% | ||
| Q4 24 | 28.9% | 7.5% | ||
| Q3 24 | 35.4% | 4.0% | ||
| Q2 24 | 39.6% | -3.0% | ||
| Q1 24 | 38.9% | -8.3% |
净利率OFGRAMP
| Q4 25 | 30.3% | 18.8% | ||
| Q3 25 | 27.8% | 13.7% | ||
| Q2 25 | 28.4% | 4.0% | ||
| Q1 25 | 25.5% | -3.3% | ||
| Q4 24 | 27.6% | 5.7% | ||
| Q3 24 | 26.9% | 0.9% | ||
| Q2 24 | 28.4% | -4.3% | ||
| Q1 24 | 28.5% | -3.1% |
每股收益（稀释后）OFGRAMP
| Q4 25 | $1.27 | $0.62 | ||
| Q3 25 | $1.16 | $0.42 | ||
| Q2 25 | $1.15 | $0.12 | ||
| Q1 25 | $1.00 | $-0.10 | ||
| Q4 24 | $1.10 | $0.17 | ||
| Q3 24 | $1.00 | $0.03 | ||
| Q2 24 | $1.08 | $-0.11 | ||
| Q1 24 | $1.05 | $-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 | $1.0B | $403.4M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $1.4B | $962.3M |
| 总资产 | $12.5B | $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OFGRAMP
| Q4 25 | $1.0B | $403.4M | ||
| Q3 25 | $740.3M | $376.9M | ||
| Q2 25 | $851.8M | $371.1M | ||
| Q1 25 | $710.6M | $420.8M | ||
| Q4 24 | $591.1M | $384.3M | ||
| Q3 24 | $680.6M | $348.4M | ||
| Q2 24 | $740.4M | $342.7M | ||
| Q1 24 | $754.4M | $368.9M |
股东权益OFGRAMP
| Q4 25 | $1.4B | $962.3M | ||
| Q3 25 | $1.4B | $943.8M | ||
| Q2 25 | $1.3B | $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 | ||
| Q1 24 | $1.2B | $949.1M |
总资产OFGRAMP
| Q4 25 | $12.5B | $1.3B | ||
| Q3 25 | $12.2B | $1.2B | ||
| Q2 25 | $12.2B | $1.2B | ||
| Q1 25 | $11.7B | $1.3B | ||
| Q4 24 | $11.5B | $1.3B | ||
| Q3 24 | $11.5B | $1.2B | ||
| Q2 24 | $11.3B | $1.2B | ||
| Q1 24 | $11.2B | $1.2B |
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 | $217.7M | — |
| 自由现金流经营现金流 - 资本支出 | $199.3M | — |
| 自由现金流率自由现金流/营收 | 108.1% | — |
| 资本支出强度资本支出/营收 | 10.0% | 0.1% |
| 现金转化率经营现金流/净利润 | 3.90× | — |
| 过去12个月自由现金流最近4个季度 | $345.4M | — |
8季度趋势，按日历期对齐
经营现金流OFGRAMP
| Q4 25 | $217.7M | — | ||
| Q3 25 | $39.5M | $57.4M | ||
| Q2 25 | $35.9M | $-15.8M | ||
| Q1 25 | $83.1M | — | ||
| Q4 24 | $252.5M | $45.1M | ||
| Q3 24 | $58.1M | $55.6M | ||
| Q2 24 | $95.1M | $-9.3M | ||
| Q1 24 | $61.0M | — |
自由现金流OFGRAMP
| Q4 25 | $199.3M | — | ||
| Q3 25 | $35.5M | $56.8M | ||
| Q2 25 | $31.8M | $-16.2M | ||
| Q1 25 | $78.7M | — | ||
| Q4 24 | $231.2M | $44.8M | ||
| Q3 24 | $51.8M | $55.4M | ||
| Q2 24 | $90.4M | $-9.6M | ||
| Q1 24 | $54.8M | — |
自由现金流率OFGRAMP
| Q4 25 | 108.1% | — | ||
| Q3 25 | 19.1% | 28.4% | ||
| Q2 25 | 17.4% | -8.3% | ||
| Q1 25 | 44.1% | — | ||
| Q4 24 | 126.5% | 22.9% | ||
| Q3 24 | 29.6% | 29.8% | ||
| Q2 24 | 50.3% | -5.4% | ||
| Q1 24 | 31.4% | — |
资本支出强度OFGRAMP
| Q4 25 | 10.0% | 0.1% | ||
| Q3 25 | 2.1% | 0.3% | ||
| Q2 25 | 2.3% | 0.2% | ||
| Q1 25 | 2.4% | 0.2% | ||
| Q4 24 | 11.7% | 0.1% | ||
| Q3 24 | 3.6% | 0.1% | ||
| Q2 24 | 2.6% | 0.1% | ||
| Q1 24 | 3.5% | 1.0% |
现金转化率OFGRAMP
| Q4 25 | 3.90× | — | ||
| Q3 25 | 0.76× | 2.09× | ||
| Q2 25 | 0.69× | -2.04× | ||
| Q1 25 | 1.82× | — | ||
| Q4 24 | 5.02× | 4.02× | ||
| Q3 24 | 1.24× | 32.10× | ||
| Q2 24 | 1.86× | — | ||
| Q1 24 | 1.23× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
