vs
Palomar Holdings, Inc.（PLMR）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
Palomar Holdings, Inc.的季度营收约是LiveRamp Holdings, Inc.的1.2倍（$253.4M vs $212.2M），Palomar Holdings, Inc.同比增速更快（62.7% vs 8.6%），过去两年Palomar Holdings, Inc.的营收复合增速更高（46.2% vs 11.1%）
Palomar Holdings, Inc.是一家专业保险控股企业，主要为存在巨灾风险敞口的住宅及商业资产提供财产保险产品，业务范围覆盖美国全境，核心业务板块包含地震、洪水、风暴等高危财产保障服务。
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。
PLMR vs RAMP — 直观对比
营收规模更大
PLMR
是对方的1.2倍
$212.2M
营收增速更快
PLMR
高出54.1%
8.6%
两年增速更快
PLMR
近两年复合增速
11.1%
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $253.4M | $212.2M |
| 净利润 | — | $39.9M |
| 毛利率 | — | 71.9% |
| 营业利润率 | 28.7% | 18.6% |
| 净利率 | — | 18.8% |
| 营收同比 | 62.7% | 8.6% |
| 净利润同比 | — | 255.7% |
| 每股收益（稀释后） | $2.05 | $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PLMRRAMP
| Q4 25 | $253.4M | $212.2M | ||
| Q3 25 | $244.7M | $199.8M | ||
| Q2 25 | $203.3M | $194.8M | ||
| Q1 25 | $174.6M | $188.7M | ||
| Q4 24 | $155.8M | $195.4M | ||
| Q3 24 | $148.5M | $185.5M | ||
| Q2 24 | $131.1M | $176.0M | ||
| Q1 24 | $118.5M | $171.9M |
净利润PLMRRAMP
| Q4 25 | — | $39.9M | ||
| Q3 25 | $51.5M | $27.4M | ||
| Q2 25 | $46.5M | $7.7M | ||
| Q1 25 | $42.9M | $-6.3M | ||
| Q4 24 | — | $11.2M | ||
| Q3 24 | $30.5M | $1.7M | ||
| Q2 24 | $25.7M | $-7.5M | ||
| Q1 24 | $26.4M | $-5.4M |
毛利率PLMRRAMP
| 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PLMRRAMP
| Q4 25 | 28.7% | 18.6% | ||
| Q3 25 | 27.4% | 10.7% | ||
| Q2 25 | 29.5% | 3.7% | ||
| Q1 25 | 30.8% | -6.1% | ||
| Q4 24 | 28.9% | 7.5% | ||
| Q3 24 | 25.9% | 4.0% | ||
| Q2 24 | 25.5% | -3.0% | ||
| Q1 24 | 29.0% | -8.3% |
净利率PLMRRAMP
| Q4 25 | — | 18.8% | ||
| Q3 25 | 21.0% | 13.7% | ||
| Q2 25 | 22.9% | 4.0% | ||
| Q1 25 | 24.6% | -3.3% | ||
| Q4 24 | — | 5.7% | ||
| Q3 24 | 20.5% | 0.9% | ||
| Q2 24 | 19.6% | -4.3% | ||
| Q1 24 | 22.3% | -3.1% |
每股收益（稀释后）PLMRRAMP
| Q4 25 | $2.05 | $0.62 | ||
| Q3 25 | $1.87 | $0.42 | ||
| Q2 25 | $1.68 | $0.12 | ||
| Q1 25 | $1.57 | $-0.10 | ||
| Q4 24 | $1.29 | $0.17 | ||
| Q3 24 | $1.15 | $0.03 | ||
| Q2 24 | $1.00 | $-0.11 | ||
| Q1 24 | $1.04 | $-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 | $106.9M | $403.4M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $942.7M | $962.3M |
| 总资产 | $3.1B | $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PLMRRAMP
| Q4 25 | $106.9M | $403.4M | ||
| Q3 25 | $111.7M | $376.9M | ||
| Q2 25 | $81.3M | $371.1M | ||
| Q1 25 | $119.3M | $420.8M | ||
| Q4 24 | $80.4M | $384.3M | ||
| Q3 24 | $86.5M | $348.4M | ||
| Q2 24 | $47.8M | $342.7M | ||
| Q1 24 | $61.4M | $368.9M |
股东权益PLMRRAMP
| Q4 25 | $942.7M | $962.3M | ||
| Q3 25 | $878.1M | $943.8M | ||
| Q2 25 | $847.2M | $947.8M | ||
| Q1 25 | $790.4M | $948.9M | ||
| Q4 24 | $729.0M | $957.7M | ||
| Q3 24 | $703.3M | $932.1M | ||
| Q2 24 | $532.6M | $951.9M | ||
| Q1 24 | $501.7M | $949.1M |
总资产PLMRRAMP
| Q4 25 | $3.1B | $1.3B | ||
| Q3 25 | $2.9B | $1.2B | ||
| Q2 25 | $2.8B | $1.2B | ||
| Q1 25 | $2.4B | $1.3B | ||
| Q4 24 | $2.3B | $1.3B | ||
| Q3 24 | $2.3B | $1.2B | ||
| Q2 24 | $2.0B | $1.2B | ||
| Q1 24 | $1.9B | $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 | $409.1M | — |
| 自由现金流经营现金流 - 资本支出 | $409.0M | — |
| 自由现金流率自由现金流/营收 | 161.4% | — |
| 资本支出强度资本支出/营收 | 0.1% | 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 | $700.6M | — |
8季度趋势，按日历期对齐
经营现金流PLMRRAMP
| Q4 25 | $409.1M | — | ||
| Q3 25 | $83.6M | $57.4M | ||
| Q2 25 | $120.9M | $-15.8M | ||
| Q1 25 | $87.2M | — | ||
| Q4 24 | $261.2M | $45.1M | ||
| Q3 24 | $100.3M | $55.6M | ||
| Q2 24 | $55.1M | $-9.3M | ||
| Q1 24 | $33.1M | — |
自由现金流PLMRRAMP
| Q4 25 | $409.0M | — | ||
| Q3 25 | $83.6M | $56.8M | ||
| Q2 25 | $120.8M | $-16.2M | ||
| Q1 25 | $87.1M | — | ||
| Q4 24 | $260.9M | $44.8M | ||
| Q3 24 | $100.1M | $55.4M | ||
| Q2 24 | — | $-9.6M | ||
| Q1 24 | — | — |
自由现金流率PLMRRAMP
| Q4 25 | 161.4% | — | ||
| Q3 25 | 34.2% | 28.4% | ||
| Q2 25 | 59.4% | -8.3% | ||
| Q1 25 | 49.9% | — | ||
| Q4 24 | 167.5% | 22.9% | ||
| Q3 24 | 67.4% | 29.8% | ||
| Q2 24 | — | -5.4% | ||
| Q1 24 | — | — |
资本支出强度PLMRRAMP
| Q4 25 | 0.1% | 0.1% | ||
| Q3 25 | 0.0% | 0.3% | ||
| Q2 25 | 0.0% | 0.2% | ||
| Q1 25 | 0.0% | 0.2% | ||
| Q4 24 | 0.2% | 0.1% | ||
| Q3 24 | 0.1% | 0.1% | ||
| Q2 24 | 0.0% | 0.1% | ||
| Q1 24 | 0.0% | 1.0% |
现金转化率PLMRRAMP
| Q4 25 | — | — | ||
| Q3 25 | 1.63× | 2.09× | ||
| Q2 25 | 2.60× | -2.04× | ||
| Q1 25 | 2.03× | — | ||
| Q4 24 | — | 4.02× | ||
| Q3 24 | 3.29× | 32.10× | ||
| Q2 24 | 2.14× | — | ||
| Q1 24 | 1.26× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
