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Q2 Holdings, Inc.（QTWO）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
Q2 Holdings, Inc.的季度营收约是LiveRamp Holdings, Inc.的1.0倍（$216.5M vs $212.2M），LiveRamp Holdings, Inc.净利率更高（18.8% vs 12.3%，领先6.5%），Q2 Holdings, Inc.同比增速更快（14.1% vs 8.6%），过去两年Q2 Holdings, Inc.的营收复合增速更高（11.9% vs 11.1%）
Q2 Holdings是一家全球金融科技企业，主要开发云原生数字银行平台及解决方案，服务地区性银行、社区银行、信用合作社等金融机构，帮助其为个人及企业客户提供安全便捷的线上、移动端银行服务，核心市场覆盖北美。
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。
QTWO vs RAMP — 直观对比
营收规模更大
QTWO
是对方的1.0倍
$212.2M
营收增速更快
QTWO
高出5.5%
8.6%
净利率更高
RAMP
高出6.5%
12.3%
两年增速更快
QTWO
近两年复合增速
11.1%
损益表 — Q1 FY2026 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $216.5M | $212.2M |
| 净利润 | $26.6M | $39.9M |
| 毛利率 | 59.1% | 71.9% |
| 营业利润率 | 12.8% | 18.6% |
| 净利率 | 12.3% | 18.8% |
| 营收同比 | 14.1% | 8.6% |
| 净利润同比 | 460.5% | 255.7% |
| 每股收益（稀释后） | $0.40 | $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QTWORAMP
| Q1 26 | $216.5M | — | ||
| Q4 25 | $208.2M | $212.2M | ||
| Q3 25 | $201.7M | $199.8M | ||
| Q2 25 | $195.1M | $194.8M | ||
| Q1 25 | $189.7M | $188.7M | ||
| Q4 24 | $183.0M | $195.4M | ||
| Q3 24 | $175.0M | $185.5M | ||
| Q2 24 | $172.9M | $176.0M |
净利润QTWORAMP
| Q1 26 | $26.6M | — | ||
| Q4 25 | $20.4M | $39.9M | ||
| Q3 25 | $15.0M | $27.4M | ||
| Q2 25 | $11.8M | $7.7M | ||
| Q1 25 | $4.8M | $-6.3M | ||
| Q4 24 | $164.0K | $11.2M | ||
| Q3 24 | $-11.8M | $1.7M | ||
| Q2 24 | $-13.1M | $-7.5M |
毛利率QTWORAMP
| Q1 26 | 59.1% | — | ||
| Q4 25 | 55.4% | 71.9% | ||
| Q3 25 | 54.0% | 70.2% | ||
| Q2 25 | 53.6% | 70.1% | ||
| Q1 25 | 53.2% | 69.3% | ||
| Q4 24 | 52.6% | 71.9% | ||
| Q3 24 | 50.9% | 72.4% | ||
| Q2 24 | 50.2% | 70.6% |
营业利润率QTWORAMP
| Q1 26 | 12.8% | — | ||
| Q4 25 | 8.1% | 18.6% | ||
| Q3 25 | 5.5% | 10.7% | ||
| Q2 25 | 5.0% | 3.7% | ||
| Q1 25 | 1.2% | -6.1% | ||
| Q4 24 | -0.9% | 7.5% | ||
| Q3 24 | -7.3% | 4.0% | ||
| Q2 24 | -7.9% | -3.0% |
净利率QTWORAMP
| Q1 26 | 12.3% | — | ||
| Q4 25 | 9.8% | 18.8% | ||
| Q3 25 | 7.5% | 13.7% | ||
| Q2 25 | 6.0% | 4.0% | ||
| Q1 25 | 2.5% | -3.3% | ||
| Q4 24 | 0.1% | 5.7% | ||
| Q3 24 | -6.7% | 0.9% | ||
| Q2 24 | -7.6% | -4.3% |
每股收益（稀释后）QTWORAMP
| Q1 26 | $0.40 | — | ||
| Q4 25 | $0.32 | $0.62 | ||
| Q3 25 | $0.23 | $0.42 | ||
| Q2 25 | $0.18 | $0.12 | ||
| Q1 25 | $0.07 | $-0.10 | ||
| Q4 24 | $0.01 | $0.17 | ||
| Q3 24 | $-0.20 | $0.03 | ||
| Q2 24 | $-0.22 | $-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 | $342.3M | $403.4M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $611.7M | $962.3M |
| 总资产 | $1.2B | $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QTWORAMP
| Q1 26 | $342.3M | — | ||
| Q4 25 | $432.7M | $403.4M | ||
| Q3 25 | $568.7M | $376.9M | ||
| Q2 25 | $532.1M | $371.1M | ||
| Q1 25 | $486.0M | $420.8M | ||
| Q4 24 | $446.6M | $384.3M | ||
| Q3 24 | $407.9M | $348.4M | ||
| Q2 24 | $372.1M | $342.7M |
股东权益QTWORAMP
| Q1 26 | $611.7M | — | ||
| Q4 25 | $661.8M | $962.3M | ||
| Q3 25 | $622.9M | $943.8M | ||
| Q2 25 | $584.3M | $947.8M | ||
| Q1 25 | $545.5M | $948.9M | ||
| Q4 24 | $517.8M | $957.7M | ||
| Q3 24 | $495.1M | $932.1M | ||
| Q2 24 | $480.7M | $951.9M |
总资产QTWORAMP
| Q1 26 | $1.2B | — | ||
| Q4 25 | $1.3B | $1.3B | ||
| Q3 25 | $1.4B | $1.2B | ||
| Q2 25 | $1.4B | $1.2B | ||
| Q1 25 | $1.3B | $1.3B | ||
| Q4 24 | $1.3B | $1.3B | ||
| Q3 24 | $1.3B | $1.2B | ||
| Q2 24 | $1.2B | $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 | $56.3M | — |
| 自由现金流经营现金流 - 资本支出 | $44.2M | — |
| 自由现金流率自由现金流/营收 | 20.4% | — |
| 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 | 2.11× | — |
| 过去12个月自由现金流最近4个季度 | $196.1M | — |
8季度趋势，按日历期对齐
经营现金流QTWORAMP
| Q1 26 | $56.3M | — | ||
| Q4 25 | $63.7M | — | ||
| Q3 25 | $45.6M | $57.4M | ||
| Q2 25 | $48.6M | $-15.8M | ||
| Q1 25 | $43.5M | — | ||
| Q4 24 | $43.0M | $45.1M | ||
| Q3 24 | $43.3M | $55.6M | ||
| Q2 24 | $36.0M | $-9.3M |
自由现金流QTWORAMP
| Q1 26 | $44.2M | — | ||
| Q4 25 | $61.7M | — | ||
| Q3 25 | $42.9M | $56.8M | ||
| Q2 25 | $47.3M | $-16.2M | ||
| Q1 25 | $42.7M | — | ||
| Q4 24 | $41.6M | $44.8M | ||
| Q3 24 | $40.9M | $55.4M | ||
| Q2 24 | $34.6M | $-9.6M |
自由现金流率QTWORAMP
| Q1 26 | 20.4% | — | ||
| Q4 25 | 29.6% | — | ||
| Q3 25 | 21.3% | 28.4% | ||
| Q2 25 | 24.3% | -8.3% | ||
| Q1 25 | 22.5% | — | ||
| Q4 24 | 22.7% | 22.9% | ||
| Q3 24 | 23.3% | 29.8% | ||
| Q2 24 | 20.0% | -5.4% |
资本支出强度QTWORAMP
| Q1 26 | — | — | ||
| Q4 25 | 1.0% | 0.1% | ||
| Q3 25 | 1.3% | 0.3% | ||
| Q2 25 | 0.7% | 0.2% | ||
| Q1 25 | 0.4% | 0.2% | ||
| Q4 24 | 0.8% | 0.1% | ||
| Q3 24 | 1.4% | 0.1% | ||
| Q2 24 | 0.8% | 0.1% |
现金转化率QTWORAMP
| Q1 26 | 2.11× | — | ||
| Q4 25 | 3.12× | — | ||
| Q3 25 | 3.03× | 2.09× | ||
| Q2 25 | 4.13× | -2.04× | ||
| Q1 25 | 9.16× | — | ||
| Q4 24 | 262.41× | 4.02× | ||
| Q3 24 | — | 32.10× | ||
| Q2 24 | — | — |
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
QTWO
| Subscription | $179.9M | 83% |
| Services and Other | $18.8M | 9% |
| Transactional | $17.8M | 8% |
RAMP
暂无分部数据
