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Side-by-side financial comparison of Hour Loop, Inc (HOUR) and Ponce Financial Group, Inc. (PDLB). Click either name above to swap in a different company.
Hour Loop, Inc is the larger business by last-quarter revenue ($56.1M vs $31.4M, roughly 1.8× Ponce Financial Group, Inc.). Ponce Financial Group, Inc. runs the higher net margin — 36.3% vs -1.2%, a 37.5% gap on every dollar of revenue. On growth, Ponce Financial Group, Inc. posted the faster year-over-year revenue change (37.6% vs 3.0%). Ponce Financial Group, Inc. produced more free cash flow last quarter ($54.6M vs $3.0M). Over the past eight quarters, Hour Loop, Inc's revenue compounded faster (50.7% CAGR vs 23.7%).
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.
Ponce Financial Group, Inc. is a U.S.-based financial holding company operating Ponce Bank as its core subsidiary. It serves multicultural, immigrant and low-to-moderate income communities in the New York metro area, offering retail and commercial banking products including deposits, mortgages, small business financing and personal credit.
HOUR vs PDLB — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $56.1M | $31.4M |
| Net Profit | $-657.3K | $10.1M |
| Gross Margin | 49.6% | — |
| Operating Margin | -1.5% | 43.6% |
| Net Margin | -1.2% | 36.3% |
| Revenue YoY | 3.0% | 37.6% |
| Net Profit YoY | 57.0% | 245.6% |
| EPS (diluted) | $-0.02 | $0.43 |
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 | $56.1M | $31.4M | ||
| Q3 25 | $33.4M | $26.7M | ||
| Q2 25 | $27.1M | $26.5M | ||
| Q1 25 | $25.8M | $24.6M | ||
| Q4 24 | $54.4M | $22.8M | ||
| Q3 24 | $31.1M | $20.2M | ||
| Q2 24 | $28.1M | $20.2M | ||
| Q1 24 | $24.7M | $20.5M |
| Q4 25 | $-657.3K | $10.1M | ||
| Q3 25 | $530.6K | $6.5M | ||
| Q2 25 | $1.2M | $6.1M | ||
| Q1 25 | $654.5K | $6.0M | ||
| Q4 24 | $-1.5M | $2.9M | ||
| Q3 24 | $469.6K | $2.4M | ||
| Q2 24 | $649.1K | $3.2M | ||
| Q1 24 | $1.1M | $2.4M |
| 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 24 | 58.6% | — |
| Q4 25 | -1.5% | 43.6% | ||
| Q3 25 | 2.2% | 32.8% | ||
| Q2 25 | 6.0% | 30.2% | ||
| Q1 25 | 3.6% | 32.5% | ||
| Q4 24 | -4.5% | 19.6% | ||
| Q3 24 | 2.3% | 15.2% | ||
| Q2 24 | 3.3% | 21.8% | ||
| Q1 24 | 6.2% | 18.3% |
| Q4 25 | -1.2% | 36.3% | ||
| Q3 25 | 1.6% | 24.3% | ||
| Q2 25 | 4.3% | 23.0% | ||
| Q1 25 | 2.5% | 24.2% | ||
| Q4 24 | -2.8% | 14.1% | ||
| Q3 24 | 1.5% | 12.1% | ||
| Q2 24 | 2.3% | 15.8% | ||
| Q1 24 | 4.3% | 11.8% |
| Q4 25 | $-0.02 | $0.43 | ||
| Q3 25 | $0.01 | $0.27 | ||
| Q2 25 | $0.04 | $0.25 | ||
| Q1 25 | $0.02 | $0.25 | ||
| Q4 24 | $-0.04 | $0.11 | ||
| Q3 24 | $0.01 | $0.10 | ||
| Q2 24 | $0.02 | $0.14 | ||
| Q1 24 | $0.03 | $0.11 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $126.2M |
| Total DebtLower is stronger | — | $596.1M |
| Stockholders' EquityBook value | $7.0M | $541.5M |
| Total Assets | $23.8M | $3.2B |
| Debt / EquityLower = less leverage | — | 1.10× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $126.2M | ||
| Q3 25 | — | $146.6M | ||
| Q2 25 | — | $126.6M | ||
| Q1 25 | — | $129.9M | ||
| Q4 24 | — | $139.8M | ||
| Q3 24 | — | $155.8M | ||
| Q2 24 | — | $103.2M | ||
| Q1 24 | $2.9M | $134.7M |
| Q4 25 | — | $596.1M | ||
| Q3 25 | — | $521.1M | ||
| Q2 25 | — | $536.1M | ||
| Q1 25 | — | $521.1M | ||
| Q4 24 | — | $596.1M | ||
| Q3 24 | — | $580.4M | ||
| Q2 24 | — | $680.4M | ||
| Q1 24 | — | $680.4M |
| Q4 25 | $7.0M | $541.5M | ||
| Q3 25 | $7.7M | $529.8M | ||
| Q2 25 | $7.2M | $521.1M | ||
| Q1 25 | $5.8M | $513.9M | ||
| Q4 24 | $5.2M | $505.5M | ||
| Q3 24 | $6.7M | $504.6M | ||
| Q2 24 | $6.2M | $497.7M | ||
| Q1 24 | $5.5M | $493.7M |
| Q4 25 | $23.8M | $3.2B | ||
| Q3 25 | $31.6M | $3.2B | ||
| Q2 25 | $23.0M | $3.2B | ||
| Q1 25 | $19.1M | $3.1B | ||
| Q4 24 | $20.0M | $3.0B | ||
| Q3 24 | $32.4M | $3.0B | ||
| Q2 24 | $20.2M | $2.8B | ||
| Q1 24 | $16.7M | $2.8B |
| Q4 25 | — | 1.10× | ||
| Q3 25 | — | 0.98× | ||
| Q2 25 | — | 1.03× | ||
| Q1 25 | — | 1.01× | ||
| Q4 24 | — | 1.18× | ||
| Q3 24 | — | 1.15× | ||
| Q2 24 | — | 1.37× | ||
| Q1 24 | — | 1.38× |
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 | $55.6M |
| Free Cash FlowOCF − Capex | $3.0M | $54.6M |
| FCF MarginFCF / Revenue | 5.3% | 173.9% |
| Capex IntensityCapex / Revenue | 0.0% | 3.1% |
| Cash ConversionOCF / Net Profit | — | 5.48× |
| TTM Free Cash FlowTrailing 4 quarters | $2.5M | $74.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $3.0M | $55.6M | ||
| Q3 25 | $500.4K | $1.4M | ||
| Q2 25 | $-901.5K | $6.2M | ||
| Q1 25 | $-23.9K | $13.1M | ||
| Q4 24 | $1.5M | $7.2M | ||
| Q3 24 | $-2.2M | $-14.6M | ||
| Q2 24 | $456.2K | $-2.6M | ||
| Q1 24 | $492.9K | $1.5M |
| Q4 25 | $3.0M | $54.6M | ||
| Q3 25 | $449.3K | $786.0K | ||
| Q2 25 | $-901.6K | $5.9M | ||
| Q1 25 | $-24.6K | $12.9M | ||
| Q4 24 | $1.5M | $4.5M | ||
| Q3 24 | $-2.2M | $-15.0M | ||
| Q2 24 | $439.4K | $-2.6M | ||
| Q1 24 | $475.1K | $-315.0K |
| Q4 25 | 5.3% | 173.9% | ||
| Q3 25 | 1.3% | 2.9% | ||
| Q2 25 | -3.3% | 22.4% | ||
| Q1 25 | -0.1% | 52.6% | ||
| Q4 24 | 2.8% | 19.7% | ||
| Q3 24 | -7.0% | -74.1% | ||
| Q2 24 | 1.6% | -13.0% | ||
| Q1 24 | 1.9% | -1.5% |
| Q4 25 | 0.0% | 3.1% | ||
| Q3 25 | 0.2% | 2.3% | ||
| Q2 25 | 0.0% | 1.0% | ||
| Q1 25 | 0.0% | 0.6% | ||
| Q4 24 | 0.0% | 11.9% | ||
| Q3 24 | 0.0% | 2.0% | ||
| Q2 24 | 0.1% | 0.3% | ||
| Q1 24 | 0.1% | 8.7% |
| Q4 25 | — | 5.48× | ||
| Q3 25 | 0.94× | 0.21× | ||
| Q2 25 | -0.77× | 1.01× | ||
| Q1 25 | -0.04× | 2.20× | ||
| Q4 24 | — | 2.46× | ||
| Q3 24 | -4.64× | -5.99× | ||
| Q2 24 | 0.70× | -0.80× | ||
| Q1 24 | 0.46× | 0.61× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
