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PROASSURANCE CORP（PRA）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
PROASSURANCE CORP的季度营收约是LiveRamp Holdings, Inc.的1.3倍（$269.6M vs $212.2M），LiveRamp Holdings, Inc.净利率更高（18.8% vs 12.4%，领先6.4%），LiveRamp Holdings, Inc.同比增速更快（8.6% vs -7.1%），过去两年LiveRamp Holdings, Inc.的营收复合增速更高（11.1% vs -2.7%）
保信集团（ProAssurance）总部位于美国阿拉巴马州伯明翰，是一家财产意外保险公司，主打面向医生的职业责任保险业务。公司前身为1976年成立的Mutual Assurance，1997年更名为Medical Assurance，2001年与Professionals Group合并后改为现名，目前是全美第四大医疗职业责任险承保机构，总资产超60亿美元。
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。
PRA vs RAMP — 直观对比
营收规模更大
PRA
是对方的1.3倍
$212.2M
营收增速更快
RAMP
高出15.6%
-7.1%
净利率更高
RAMP
高出6.4%
12.4%
两年增速更快
RAMP
近两年复合增速
-2.7%
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $269.6M | $212.2M |
| 净利润 | $33.4M | $39.9M |
| 毛利率 | — | 71.9% |
| 营业利润率 | 17.3% | 18.6% |
| 净利率 | 12.4% | 18.8% |
| 营收同比 | -7.1% | 8.6% |
| 净利润同比 | 106.4% | 255.7% |
| 每股收益（稀释后） | $0.65 | $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PRARAMP
| Q4 25 | $269.6M | $212.2M | ||
| Q3 25 | $279.6M | $199.8M | ||
| Q2 25 | $276.8M | $194.8M | ||
| Q1 25 | $272.1M | $188.7M | ||
| Q4 24 | $290.1M | $195.4M | ||
| Q3 24 | $285.3M | $185.5M | ||
| Q2 24 | $290.4M | $176.0M | ||
| Q1 24 | $284.7M | $171.9M |
净利润PRARAMP
| Q4 25 | $33.4M | $39.9M | ||
| Q3 25 | $1.4M | $27.4M | ||
| Q2 25 | $21.9M | $7.7M | ||
| Q1 25 | $-5.8M | $-6.3M | ||
| Q4 24 | $16.2M | $11.2M | ||
| Q3 24 | $16.4M | $1.7M | ||
| Q2 24 | $15.5M | $-7.5M | ||
| Q1 24 | $4.6M | $-5.4M |
毛利率PRARAMP
| 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PRARAMP
| Q4 25 | 17.3% | 18.6% | ||
| Q3 25 | 1.6% | 10.7% | ||
| Q2 25 | 9.9% | 3.7% | ||
| Q1 25 | -2.3% | -6.1% | ||
| Q4 24 | 6.5% | 7.5% | ||
| Q3 24 | 7.4% | 4.0% | ||
| Q2 24 | 6.2% | -3.0% | ||
| Q1 24 | 1.9% | -8.3% |
净利率PRARAMP
| Q4 25 | 12.4% | 18.8% | ||
| Q3 25 | 0.5% | 13.7% | ||
| Q2 25 | 7.9% | 4.0% | ||
| Q1 25 | -2.1% | -3.3% | ||
| Q4 24 | 5.6% | 5.7% | ||
| Q3 24 | 5.8% | 0.9% | ||
| Q2 24 | 5.3% | -4.3% | ||
| Q1 24 | 1.6% | -3.1% |
每股收益（稀释后）PRARAMP
| Q4 25 | $0.65 | $0.62 | ||
| Q3 25 | $0.03 | $0.42 | ||
| Q2 25 | $0.42 | $0.12 | ||
| Q1 25 | $-0.11 | $-0.10 | ||
| Q4 24 | $0.32 | $0.17 | ||
| Q3 24 | $0.32 | $0.03 | ||
| Q2 24 | $0.30 | $-0.11 | ||
| Q1 24 | $0.09 | $-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 | $36.5M | $403.4M |
| 总债务越低越好 | $420.4M | — |
| 股东权益账面价值 | $1.3B | $962.3M |
| 总资产 | $5.4B | $1.3B |
| 负债/权益比越低杠杆越低 | 0.31× | — |
8季度趋势，按日历期对齐
现金及短期投资PRARAMP
| Q4 25 | $36.5M | $403.4M | ||
| Q3 25 | $54.5M | $376.9M | ||
| Q2 25 | $41.6M | $371.1M | ||
| Q1 25 | $43.5M | $420.8M | ||
| Q4 24 | $54.9M | $384.3M | ||
| Q3 24 | $45.3M | $348.4M | ||
| Q2 24 | $36.9M | $342.7M | ||
| Q1 24 | $65.4M | $368.9M |
总债务PRARAMP
| Q4 25 | $420.4M | — | ||
| Q3 25 | $421.5M | — | ||
| Q2 25 | $422.6M | — | ||
| Q1 25 | $423.7M | — | ||
| Q4 24 | $424.9M | — | ||
| Q3 24 | $425.9M | — | ||
| Q2 24 | $426.9M | — | ||
| Q1 24 | $427.8M | — |
股东权益PRARAMP
| Q4 25 | $1.3B | $962.3M | ||
| Q3 25 | $1.3B | $943.8M | ||
| Q2 25 | $1.3B | $947.8M | ||
| Q1 25 | $1.2B | $948.9M | ||
| Q4 24 | $1.2B | $957.7M | ||
| Q3 24 | $1.2B | $932.1M | ||
| Q2 24 | $1.1B | $951.9M | ||
| Q1 24 | $1.1B | $949.1M |
总资产PRARAMP
| Q4 25 | $5.4B | $1.3B | ||
| Q3 25 | $5.6B | $1.2B | ||
| Q2 25 | $5.5B | $1.2B | ||
| Q1 25 | $5.5B | $1.3B | ||
| Q4 24 | $5.6B | $1.3B | ||
| Q3 24 | $5.7B | $1.2B | ||
| Q2 24 | $5.6B | $1.2B | ||
| Q1 24 | $5.7B | $1.2B |
负债/权益比PRARAMP
| Q4 25 | 0.31× | — | ||
| Q3 25 | 0.32× | — | ||
| Q2 25 | 0.33× | — | ||
| Q1 25 | 0.34× | — | ||
| Q4 24 | 0.35× | — | ||
| Q3 24 | 0.35× | — | ||
| Q2 24 | 0.38× | — | ||
| Q1 24 | 0.38× | — |
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 | $-25.6M | — |
| 自由现金流经营现金流 - 资本支出 | — | — |
| 自由现金流率自由现金流/营收 | — | — |
| 资本支出强度资本支出/营收 | — | 0.1% |
| 现金转化率经营现金流/净利润 | -0.77× | — |
| 过去12个月自由现金流最近4个季度 | — | — |
8季度趋势，按日历期对齐
经营现金流PRARAMP
| Q4 25 | $-25.6M | — | ||
| Q3 25 | $27.2M | $57.4M | ||
| Q2 25 | $-28.1M | $-15.8M | ||
| Q1 25 | $-11.6M | — | ||
| Q4 24 | $-10.7M | $45.1M | ||
| Q3 24 | $14.0M | $55.6M | ||
| Q2 24 | $-12.8M | $-9.3M | ||
| Q1 24 | $-11.6M | — |
自由现金流PRARAMP
| Q4 25 | — | — | ||
| Q3 25 | — | $56.8M | ||
| Q2 25 | — | $-16.2M | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $44.8M | ||
| Q3 24 | — | $55.4M | ||
| Q2 24 | — | $-9.6M | ||
| Q1 24 | — | — |
自由现金流率PRARAMP
| Q4 25 | — | — | ||
| Q3 25 | — | 28.4% | ||
| Q2 25 | — | -8.3% | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 22.9% | ||
| Q3 24 | — | 29.8% | ||
| Q2 24 | — | -5.4% | ||
| Q1 24 | — | — |
资本支出强度PRARAMP
| Q4 25 | — | 0.1% | ||
| Q3 25 | — | 0.3% | ||
| Q2 25 | — | 0.2% | ||
| Q1 25 | — | 0.2% | ||
| Q4 24 | — | 0.1% | ||
| Q3 24 | — | 0.1% | ||
| Q2 24 | — | 0.1% | ||
| Q1 24 | — | 1.0% |
现金转化率PRARAMP
| Q4 25 | -0.77× | — | ||
| Q3 25 | 18.81× | 2.09× | ||
| Q2 25 | -1.28× | -2.04× | ||
| Q1 25 | — | — | ||
| Q4 24 | -0.66× | 4.02× | ||
| Q3 24 | 0.85× | 32.10× | ||
| Q2 24 | -0.83× | — | ||
| Q1 24 | -2.52× | — |
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
PRA
| Workers Compensation Insurance Segment | $164.4M | 61% |
| Other | $59.6M | 22% |
| Segregated Portfolio Cell Reinsurance | $45.7M | 17% |
RAMP
暂无分部数据
