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CPI Card Group Inc.（PMTS）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CPI Card Group Inc.的1.4倍（$212.2M vs $153.1M），LiveRamp Holdings, Inc.净利率更高（18.8% vs 4.8%，领先14.0%），CPI Card Group Inc.同比增速更快（22.3% vs 8.6%），过去两年CPI Card Group Inc.的营收复合增速更高（16.9% vs 11.1%）
CPI Card Group Inc.是知名的支付卡生产及配套解决方案供应商，主营接触式、非接触式信用卡、借记卡、预付卡的制造与个性化定制服务，客户以北美地区的金融机构、金融科技企业及零售品牌为主。
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。
PMTS vs RAMP — 直观对比
营收规模更大
RAMP
是对方的1.4倍
$153.1M
营收增速更快
PMTS
高出13.8%
8.6%
净利率更高
RAMP
高出14.0%
4.8%
两年增速更快
PMTS
近两年复合增速
11.1%
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $153.1M | $212.2M |
| 净利润 | $7.3M | $39.9M |
| 毛利率 | 31.5% | 71.9% |
| 营业利润率 | 12.0% | 18.6% |
| 净利率 | 4.8% | 18.8% |
| 营收同比 | 22.3% | 8.6% |
| 净利润同比 | 8.5% | 255.7% |
| 每股收益（稀释后） | $0.62 | $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PMTSRAMP
| Q4 25 | $153.1M | $212.2M | ||
| Q3 25 | $138.0M | $199.8M | ||
| Q2 25 | $129.8M | $194.8M | ||
| Q1 25 | $122.8M | $188.7M | ||
| Q4 24 | $125.1M | $195.4M | ||
| Q3 24 | $124.8M | $185.5M | ||
| Q2 24 | $118.8M | $176.0M | ||
| Q1 24 | $111.9M | $171.9M |
净利润PMTSRAMP
| Q4 25 | $7.3M | $39.9M | ||
| Q3 25 | $2.3M | $27.4M | ||
| Q2 25 | $518.0K | $7.7M | ||
| Q1 25 | $4.8M | $-6.3M | ||
| Q4 24 | $6.8M | $11.2M | ||
| Q3 24 | $1.3M | $1.7M | ||
| Q2 24 | $6.0M | $-7.5M | ||
| Q1 24 | $5.5M | $-5.4M |
毛利率PMTSRAMP
| Q4 25 | 31.5% | 71.9% | ||
| Q3 25 | 29.7% | 70.2% | ||
| Q2 25 | 30.9% | 70.1% | ||
| Q1 25 | 33.2% | 69.3% | ||
| Q4 24 | 34.1% | 71.9% | ||
| Q3 24 | 35.8% | 72.4% | ||
| Q2 24 | 35.7% | 70.6% | ||
| Q1 24 | 37.1% | 72.2% |
营业利润率PMTSRAMP
| Q4 25 | 12.0% | 18.6% | ||
| Q3 25 | 9.4% | 10.7% | ||
| Q2 25 | 7.3% | 3.7% | ||
| Q1 25 | 11.5% | -6.1% | ||
| Q4 24 | 12.7% | 7.5% | ||
| Q3 24 | 14.3% | 4.0% | ||
| Q2 24 | 12.5% | -3.0% | ||
| Q1 24 | 12.6% | -8.3% |
净利率PMTSRAMP
| Q4 25 | 4.8% | 18.8% | ||
| Q3 25 | 1.7% | 13.7% | ||
| Q2 25 | 0.4% | 4.0% | ||
| Q1 25 | 3.9% | -3.3% | ||
| Q4 24 | 5.4% | 5.7% | ||
| Q3 24 | 1.0% | 0.9% | ||
| Q2 24 | 5.1% | -4.3% | ||
| Q1 24 | 4.9% | -3.1% |
每股收益（稀释后）PMTSRAMP
| Q4 25 | $0.62 | $0.62 | ||
| Q3 25 | $0.19 | $0.42 | ||
| Q2 25 | $0.04 | $0.12 | ||
| Q1 25 | $0.40 | $-0.10 | ||
| Q4 24 | $0.56 | $0.17 | ||
| Q3 24 | $0.11 | $0.03 | ||
| Q2 24 | $0.51 | $-0.11 | ||
| Q1 24 | $0.46 | $-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 | $21.7M | $403.4M |
| 总债务越低越好 | $286.7M | — |
| 股东权益账面价值 | $-17.3M | $962.3M |
| 总资产 | $403.2M | $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PMTSRAMP
| Q4 25 | $21.7M | $403.4M | ||
| Q3 25 | $16.0M | $376.9M | ||
| Q2 25 | $17.1M | $371.1M | ||
| Q1 25 | $31.5M | $420.8M | ||
| Q4 24 | $33.5M | $384.3M | ||
| Q3 24 | $14.7M | $348.4M | ||
| Q2 24 | $7.5M | $342.7M | ||
| Q1 24 | $17.1M | $368.9M |
总债务PMTSRAMP
| Q4 25 | $286.7M | — | ||
| Q3 25 | $308.4M | — | ||
| Q2 25 | $310.9M | — | ||
| Q1 25 | $280.7M | — | ||
| Q4 24 | $280.4M | — | ||
| Q3 24 | $280.2M | — | ||
| Q2 24 | $269.7M | — | ||
| Q1 24 | $265.3M | — |
股东权益PMTSRAMP
| Q4 25 | $-17.3M | $962.3M | ||
| Q3 25 | $-25.7M | $943.8M | ||
| Q2 25 | $-29.0M | $947.8M | ||
| Q1 25 | $-29.7M | $948.9M | ||
| Q4 24 | $-35.6M | $957.7M | ||
| Q3 24 | $-42.8M | $932.1M | ||
| Q2 24 | $-44.6M | $951.9M | ||
| Q1 24 | $-48.5M | $949.1M |
总资产PMTSRAMP
| Q4 25 | $403.2M | $1.3B | ||
| Q3 25 | $407.1M | $1.2B | ||
| Q2 25 | $399.8M | $1.2B | ||
| Q1 25 | $351.9M | $1.3B | ||
| Q4 24 | $349.7M | $1.3B | ||
| Q3 24 | $342.3M | $1.2B | ||
| Q2 24 | $321.4M | $1.2B | ||
| Q1 24 | $319.8M | $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 | $39.6M | — |
| 自由现金流经营现金流 - 资本支出 | $35.2M | — |
| 自由现金流率自由现金流/营收 | 23.0% | — |
| 资本支出强度资本支出/营收 | 2.9% | 0.1% |
| 现金转化率经营现金流/净利润 | 5.39× | — |
| 过去12个月自由现金流最近4个季度 | $41.3M | — |
8季度趋势，按日历期对齐
经营现金流PMTSRAMP
| Q4 25 | $39.6M | — | ||
| Q3 25 | $10.0M | $57.4M | ||
| Q2 25 | $4.3M | $-15.8M | ||
| Q1 25 | $5.6M | — | ||
| Q4 24 | $26.7M | $45.1M | ||
| Q3 24 | $12.5M | $55.6M | ||
| Q2 24 | $-4.8M | $-9.3M | ||
| Q1 24 | $8.9M | — |
自由现金流PMTSRAMP
| Q4 25 | $35.2M | — | ||
| Q3 25 | $5.3M | $56.8M | ||
| Q2 25 | $533.0K | $-16.2M | ||
| Q1 25 | $292.0K | — | ||
| Q4 24 | $21.6M | $44.8M | ||
| Q3 24 | $11.1M | $55.4M | ||
| Q2 24 | $-6.0M | $-9.6M | ||
| Q1 24 | $7.4M | — |
自由现金流率PMTSRAMP
| Q4 25 | 23.0% | — | ||
| Q3 25 | 3.8% | 28.4% | ||
| Q2 25 | 0.4% | -8.3% | ||
| Q1 25 | 0.2% | — | ||
| Q4 24 | 17.3% | 22.9% | ||
| Q3 24 | 8.9% | 29.8% | ||
| Q2 24 | -5.0% | -5.4% | ||
| Q1 24 | 6.6% | — |
资本支出强度PMTSRAMP
| Q4 25 | 2.9% | 0.1% | ||
| Q3 25 | 3.4% | 0.3% | ||
| Q2 25 | 2.9% | 0.2% | ||
| Q1 25 | 4.3% | 0.2% | ||
| Q4 24 | 4.0% | 0.1% | ||
| Q3 24 | 1.2% | 0.1% | ||
| Q2 24 | 1.0% | 0.1% | ||
| Q1 24 | 1.3% | 1.0% |
现金转化率PMTSRAMP
| Q4 25 | 5.39× | — | ||
| Q3 25 | 4.32× | 2.09× | ||
| Q2 25 | 8.39× | -2.04× | ||
| Q1 25 | 1.17× | — | ||
| Q4 24 | 3.94× | 4.02× | ||
| Q3 24 | 9.70× | 32.10× | ||
| Q2 24 | -0.79× | — | ||
| Q1 24 | 1.63× | — |
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
PMTS
| US Debit And Credit | $128.9M | 84% |
| US Prepaid Debit | $24.4M | 16% |
RAMP
暂无分部数据
