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Side-by-side financial comparison of Envela Corp (ELA) and PennyMac Mortgage Investment Trust (PMT). Click either name above to swap in a different company.
PennyMac Mortgage Investment Trust is the larger business by last-quarter revenue ($93.6M vs $80.5M, roughly 1.2× Envela Corp). PennyMac Mortgage Investment Trust runs the higher net margin — 56.0% vs 7.4%, a 48.5% gap on every dollar of revenue. On growth, Envela Corp posted the faster year-over-year revenue change (66.6% vs -13.3%). Over the past eight quarters, Envela Corp's revenue compounded faster (42.1% CAGR vs 12.3%).
Envela Corporation is a U.S.-based company that provides recommerce services aimed at extending product lifecycles and reducing resource consumption. The company operates through two primary segments: consumer and commercial.
PennyMac Mortgage Investment Trust is a U.S.-headquartered real estate investment trust specializing in residential mortgage assets. It invests in performing and non-performing mortgage loans, mortgage-backed securities, and credit risk transfer instruments, operating across investment management and mortgage servicing segments in the U.S. housing market.
ELA vs PMT — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $80.5M | $93.6M |
| Net Profit | $6.0M | $52.4M |
| Gross Margin | 20.5% | — |
| Operating Margin | 9.4% | 38.6% |
| Net Margin | 7.4% | 56.0% |
| Revenue YoY | 66.6% | -13.3% |
| Net Profit YoY | 274.6% | 12.5% |
| EPS (diluted) | $0.22 | $0.49 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $80.5M | $93.6M | ||
| Q3 25 | $57.4M | $99.2M | ||
| Q2 25 | $54.9M | $70.2M | ||
| Q1 25 | $48.3M | $44.5M | ||
| Q4 24 | $48.3M | $107.9M | ||
| Q3 24 | $46.9M | $80.9M | ||
| Q2 24 | $45.3M | $71.2M | ||
| Q1 24 | $39.9M | $74.2M |
| Q4 25 | $6.0M | $52.4M | ||
| Q3 25 | $3.4M | $58.3M | ||
| Q2 25 | $2.8M | $7.5M | ||
| Q1 25 | $2.5M | $9.7M | ||
| Q4 24 | $1.6M | $46.5M | ||
| Q3 24 | $1.7M | $41.4M | ||
| Q2 24 | $1.6M | $25.4M | ||
| Q1 24 | $1.9M | $47.6M |
| Q4 25 | 20.5% | — | ||
| Q3 25 | 22.8% | — | ||
| Q2 25 | 22.6% | — | ||
| Q1 25 | 24.8% | — | ||
| Q4 24 | 23.1% | — | ||
| Q3 24 | 24.4% | — | ||
| Q2 24 | 25.1% | — | ||
| Q1 24 | 25.9% | — |
| Q4 25 | 9.4% | 38.6% | ||
| Q3 25 | 7.3% | 47.4% | ||
| Q2 25 | 5.9% | 24.2% | ||
| Q1 25 | 6.5% | -14.2% | ||
| Q4 24 | 3.9% | 51.1% | ||
| Q3 24 | 4.3% | 32.8% | ||
| Q2 24 | 4.2% | 40.2% | ||
| Q1 24 | 5.9% | 43.6% |
| Q4 25 | 7.4% | 56.0% | ||
| Q3 25 | 5.8% | 58.7% | ||
| Q2 25 | 5.0% | 10.7% | ||
| Q1 25 | 5.2% | 21.8% | ||
| Q4 24 | 3.3% | 43.1% | ||
| Q3 24 | 3.6% | 51.2% | ||
| Q2 24 | 3.5% | 35.7% | ||
| Q1 24 | 4.8% | 64.2% |
| Q4 25 | $0.22 | $0.49 | ||
| Q3 25 | $0.13 | $0.55 | ||
| Q2 25 | $0.11 | $-0.04 | ||
| Q1 25 | $0.10 | $-0.01 | ||
| Q4 24 | $0.07 | $0.45 | ||
| Q3 24 | $0.06 | $0.36 | ||
| Q2 24 | $0.06 | $0.17 | ||
| Q1 24 | $0.07 | $0.39 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $190.5M |
| Total DebtLower is stronger | $9.9M | $1.1B |
| Stockholders' EquityBook value | $67.1M | $1.9B |
| Total Assets | $96.0M | $21.3B |
| Debt / EquityLower = less leverage | 0.15× | 0.58× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $190.5M | ||
| Q3 25 | — | $181.0M | ||
| Q2 25 | — | $108.6M | ||
| Q1 25 | — | $204.2M | ||
| Q4 24 | — | $103.2M | ||
| Q3 24 | — | $102.8M | ||
| Q2 24 | — | $336.3M | ||
| Q1 24 | $19.8M | $343.3M |
| Q4 25 | $9.9M | $1.1B | ||
| Q3 25 | $12.5M | $299.0M | ||
| Q2 25 | $13.0M | $1.2B | ||
| Q1 25 | $13.2M | $968.4M | ||
| Q4 24 | $13.5M | $1.0B | ||
| Q3 24 | $13.8M | $5.2B | ||
| Q2 24 | $14.3M | $5.4B | ||
| Q1 24 | $14.6M | $5.1B |
| Q4 25 | $67.1M | $1.9B | ||
| Q3 25 | $61.1M | $1.9B | ||
| Q2 25 | $57.8M | $1.9B | ||
| Q1 25 | $55.1M | $1.9B | ||
| Q4 24 | $52.7M | $1.9B | ||
| Q3 24 | $51.1M | $1.9B | ||
| Q2 24 | $50.2M | $1.9B | ||
| Q1 24 | $49.3M | $2.0B |
| Q4 25 | $96.0M | $21.3B | ||
| Q3 25 | $90.9M | $18.5B | ||
| Q2 25 | $82.7M | $16.8B | ||
| Q1 25 | $79.7M | $14.9B | ||
| Q4 24 | $77.9M | $14.4B | ||
| Q3 24 | $77.4M | $13.1B | ||
| Q2 24 | $73.8M | $12.1B | ||
| Q1 24 | $74.7M | $12.3B |
| Q4 25 | 0.15× | 0.58× | ||
| Q3 25 | 0.20× | 0.16× | ||
| Q2 25 | 0.23× | 0.65× | ||
| Q1 25 | 0.24× | 0.51× | ||
| Q4 24 | 0.26× | 0.52× | ||
| Q3 24 | 0.27× | 2.70× | ||
| Q2 24 | 0.29× | 2.76× | ||
| Q1 24 | 0.30× | 2.60× |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $-3.5M | $-7.2B |
| Free Cash FlowOCF − Capex | $-3.7M | — |
| FCF MarginFCF / Revenue | -4.6% | — |
| Capex IntensityCapex / Revenue | 0.2% | — |
| Cash ConversionOCF / Net Profit | -0.59× | -137.76× |
| TTM Free Cash FlowTrailing 4 quarters | $1.4M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-3.5M | $-7.2B | ||
| Q3 25 | $2.4M | $-1.3B | ||
| Q2 25 | $2.6M | $-2.0B | ||
| Q1 25 | $1.1M | $-594.3M | ||
| Q4 24 | $3.7M | $-2.7B | ||
| Q3 24 | $3.4M | $-983.8M | ||
| Q2 24 | $-789.5K | $243.8M | ||
| Q1 24 | $3.8M | $-342.4M |
| Q4 25 | $-3.7M | — | ||
| Q3 25 | $2.2M | — | ||
| Q2 25 | $2.1M | — | ||
| Q1 25 | $746.6K | — | ||
| Q4 24 | $3.2M | — | ||
| Q3 24 | $1.5M | — | ||
| Q2 24 | $-1.3M | — | ||
| Q1 24 | $3.3M | — |
| Q4 25 | -4.6% | — | ||
| Q3 25 | 3.8% | — | ||
| Q2 25 | 3.9% | — | ||
| Q1 25 | 1.5% | — | ||
| Q4 24 | 6.7% | — | ||
| Q3 24 | 3.1% | — | ||
| Q2 24 | -2.9% | — | ||
| Q1 24 | 8.4% | — |
| Q4 25 | 0.2% | — | ||
| Q3 25 | 0.4% | — | ||
| Q2 25 | 0.8% | — | ||
| Q1 25 | 0.8% | — | ||
| Q4 24 | 1.0% | — | ||
| Q3 24 | 4.2% | — | ||
| Q2 24 | 1.1% | — | ||
| Q1 24 | 1.1% | — |
| Q4 25 | -0.59× | -137.76× | ||
| Q3 25 | 0.72× | -22.26× | ||
| Q2 25 | 0.94× | -267.53× | ||
| Q1 25 | 0.45× | -61.39× | ||
| Q4 24 | 2.34× | -58.08× | ||
| Q3 24 | 2.05× | -23.76× | ||
| Q2 24 | -0.50× | 9.59× | ||
| Q1 24 | 1.99× | -7.19× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
ELA
| Consumer Segment | $67.7M | 84% |
| Commercial Segment | $12.8M | 16% |
PMT
| Other | $55.0M | 59% |
| Interest Rate Sensitive Strategies | $31.4M | 34% |
| Correspondent Production | $7.2M | 8% |
