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Side-by-side financial comparison of Hour Loop, Inc (HOUR) and Neptune Insurance Holdings Inc. (NP). Click either name above to swap in a different company.
Hour Loop, Inc is the larger business by last-quarter revenue ($56.1M vs $37.8M, roughly 1.5× Neptune Insurance Holdings Inc.). Neptune Insurance Holdings Inc. runs the higher net margin — 0.1% vs -1.2%, a 1.3% gap on every dollar of revenue. On growth, Neptune Insurance Holdings Inc. posted the faster year-over-year revenue change (28.8% vs 3.0%).
Hour Loop, Inc. is an e-commerce retail company that offers a diverse portfolio of products including home goods, apparel, toys, electronics accessories, and daily consumer essentials. It primarily operates through leading third-party online marketplaces, with its core customer base concentrated in North America, focusing on delivering affordable, high-value daily products to mass consumers.
Neptune Insurance Holdings Inc. is a specialty insurance holding company that offers a broad portfolio of property and casualty insurance products, with a core focus on residential and commercial flood insurance for customers across the United States. It serves both individual consumers and small to mid-sized business clients, using advanced data analytics to support accurate policy pricing and robust risk management.
HOUR vs NP — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $56.1M | $37.8M |
| Net Profit | $-657.3K | $50.0K |
| Gross Margin | 49.6% | — |
| Operating Margin | -1.5% | — |
| Net Margin | -1.2% | 0.1% |
| Revenue YoY | 3.0% | 28.8% |
| Net Profit YoY | 57.0% | 0.0% |
| EPS (diluted) | $-0.02 | $0.05 |
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.
| Q1 26 | — | $37.8M | ||
| Q4 25 | $56.1M | — | ||
| Q3 25 | $33.4M | $44.4M | ||
| Q2 25 | $27.1M | — | ||
| Q1 25 | $25.8M | — | ||
| Q4 24 | $54.4M | — | ||
| Q3 24 | $31.1M | $33.8M | ||
| Q2 24 | $28.1M | — |
| Q1 26 | — | $50.0K | ||
| Q4 25 | $-657.3K | — | ||
| Q3 25 | $530.6K | $11.5M | ||
| Q2 25 | $1.2M | — | ||
| Q1 25 | $654.5K | — | ||
| Q4 24 | $-1.5M | — | ||
| Q3 24 | $469.6K | $12.1M | ||
| Q2 24 | $649.1K | — |
| Q1 26 | — | — | ||
| Q4 25 | 49.6% | — | ||
| Q3 25 | 51.4% | — | ||
| Q2 25 | 57.2% | — | ||
| Q1 25 | 54.7% | — | ||
| Q4 24 | 45.7% | — | ||
| Q3 24 | 54.8% | — | ||
| Q2 24 | 55.7% | — |
| Q1 26 | — | — | ||
| Q4 25 | -1.5% | — | ||
| Q3 25 | 2.2% | 46.7% | ||
| Q2 25 | 6.0% | — | ||
| Q1 25 | 3.6% | — | ||
| Q4 24 | -4.5% | — | ||
| Q3 24 | 2.3% | 58.6% | ||
| Q2 24 | 3.3% | — |
| Q1 26 | — | 0.1% | ||
| Q4 25 | -1.2% | — | ||
| Q3 25 | 1.6% | 25.9% | ||
| Q2 25 | 4.3% | — | ||
| Q1 25 | 2.5% | — | ||
| Q4 24 | -2.8% | — | ||
| Q3 24 | 1.5% | 35.8% | ||
| Q2 24 | 2.3% | — |
| Q1 26 | — | $0.05 | ||
| Q4 25 | $-0.02 | — | ||
| Q3 25 | $0.01 | $0.06 | ||
| Q2 25 | $0.04 | — | ||
| Q1 25 | $0.02 | — | ||
| Q4 24 | $-0.04 | — | ||
| Q3 24 | $0.01 | $0.06 | ||
| Q2 24 | $0.02 | — |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | — |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $7.0M | — |
| Total Assets | $23.8M | — |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | $12.2M | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | $247.6M | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q1 26 | — | — | ||
| Q4 25 | $7.0M | — | ||
| Q3 25 | $7.7M | $-509.5M | ||
| Q2 25 | $7.2M | — | ||
| Q1 25 | $5.8M | — | ||
| Q4 24 | $5.2M | — | ||
| Q3 24 | $6.7M | $-374.3M | ||
| Q2 24 | $6.2M | — |
| Q1 26 | — | — | ||
| Q4 25 | $23.8M | — | ||
| Q3 25 | $31.6M | $89.6M | ||
| Q2 25 | $23.0M | — | ||
| Q1 25 | $19.1M | — | ||
| Q4 24 | $20.0M | — | ||
| Q3 24 | $32.4M | — | ||
| Q2 24 | $20.2M | — |
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 | $3.0M | — |
| Free Cash FlowOCF − Capex | $3.0M | — |
| FCF MarginFCF / Revenue | 5.3% | — |
| Capex IntensityCapex / Revenue | 0.0% | — |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $2.5M | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $3.0M | — | ||
| Q3 25 | $500.4K | $38.9M | ||
| Q2 25 | $-901.5K | — | ||
| Q1 25 | $-23.9K | — | ||
| Q4 24 | $1.5M | — | ||
| Q3 24 | $-2.2M | — | ||
| Q2 24 | $456.2K | — |
| Q1 26 | — | — | ||
| Q4 25 | $3.0M | — | ||
| Q3 25 | $449.3K | — | ||
| Q2 25 | $-901.6K | — | ||
| Q1 25 | $-24.6K | — | ||
| Q4 24 | $1.5M | — | ||
| Q3 24 | $-2.2M | — | ||
| Q2 24 | $439.4K | — |
| Q1 26 | — | — | ||
| Q4 25 | 5.3% | — | ||
| Q3 25 | 1.3% | — | ||
| Q2 25 | -3.3% | — | ||
| Q1 25 | -0.1% | — | ||
| Q4 24 | 2.8% | — | ||
| Q3 24 | -7.0% | — | ||
| Q2 24 | 1.6% | — |
| Q1 26 | — | — | ||
| Q4 25 | 0.0% | — | ||
| Q3 25 | 0.2% | — | ||
| Q2 25 | 0.0% | — | ||
| Q1 25 | 0.0% | — | ||
| Q4 24 | 0.0% | — | ||
| Q3 24 | 0.0% | — | ||
| Q2 24 | 0.1% | — |
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | 0.94× | 3.38× | ||
| Q2 25 | -0.77× | — | ||
| Q1 25 | -0.04× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | -4.64× | — | ||
| Q2 24 | 0.70× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
