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Side-by-side financial comparison of Hour Loop, Inc (HOUR) 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 $56.1M, roughly 1.7× Hour Loop, Inc). PennyMac Mortgage Investment Trust runs the higher net margin — 56.0% vs -1.2%, a 57.1% gap on every dollar of revenue. On growth, Hour Loop, Inc posted the faster year-over-year revenue change (3.0% vs -13.3%). Over the past eight quarters, Hour Loop, Inc's revenue compounded faster (50.7% CAGR vs 12.3%).
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.
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.
HOUR vs PMT — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $56.1M | $93.6M |
| Net Profit | $-657.3K | $52.4M |
| Gross Margin | 49.6% | — |
| Operating Margin | -1.5% | 38.6% |
| Net Margin | -1.2% | 56.0% |
| Revenue YoY | 3.0% | -13.3% |
| Net Profit YoY | 57.0% | 12.5% |
| EPS (diluted) | $-0.02 | $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 | $56.1M | $93.6M | ||
| Q3 25 | $33.4M | $99.2M | ||
| Q2 25 | $27.1M | $70.2M | ||
| Q1 25 | $25.8M | $44.5M | ||
| Q4 24 | $54.4M | $107.9M | ||
| Q3 24 | $31.1M | $80.9M | ||
| Q2 24 | $28.1M | $71.2M | ||
| Q1 24 | $24.7M | $74.2M |
| Q4 25 | $-657.3K | $52.4M | ||
| Q3 25 | $530.6K | $58.3M | ||
| Q2 25 | $1.2M | $7.5M | ||
| Q1 25 | $654.5K | $9.7M | ||
| Q4 24 | $-1.5M | $46.5M | ||
| Q3 24 | $469.6K | $41.4M | ||
| Q2 24 | $649.1K | $25.4M | ||
| Q1 24 | $1.1M | $47.6M |
| 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% | 38.6% | ||
| Q3 25 | 2.2% | 47.4% | ||
| Q2 25 | 6.0% | 24.2% | ||
| Q1 25 | 3.6% | -14.2% | ||
| Q4 24 | -4.5% | 51.1% | ||
| Q3 24 | 2.3% | 32.8% | ||
| Q2 24 | 3.3% | 40.2% | ||
| Q1 24 | 6.2% | 43.6% |
| Q4 25 | -1.2% | 56.0% | ||
| Q3 25 | 1.6% | 58.7% | ||
| Q2 25 | 4.3% | 10.7% | ||
| Q1 25 | 2.5% | 21.8% | ||
| Q4 24 | -2.8% | 43.1% | ||
| Q3 24 | 1.5% | 51.2% | ||
| Q2 24 | 2.3% | 35.7% | ||
| Q1 24 | 4.3% | 64.2% |
| Q4 25 | $-0.02 | $0.49 | ||
| Q3 25 | $0.01 | $0.55 | ||
| Q2 25 | $0.04 | $-0.04 | ||
| Q1 25 | $0.02 | $-0.01 | ||
| Q4 24 | $-0.04 | $0.45 | ||
| Q3 24 | $0.01 | $0.36 | ||
| Q2 24 | $0.02 | $0.17 | ||
| Q1 24 | $0.03 | $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 | — | $1.1B |
| Stockholders' EquityBook value | $7.0M | $1.9B |
| Total Assets | $23.8M | $21.3B |
| Debt / EquityLower = less leverage | — | 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 | $2.9M | $343.3M |
| Q4 25 | — | $1.1B | ||
| Q3 25 | — | $299.0M | ||
| Q2 25 | — | $1.2B | ||
| Q1 25 | — | $968.4M | ||
| Q4 24 | — | $1.0B | ||
| Q3 24 | — | $5.2B | ||
| Q2 24 | — | $5.4B | ||
| Q1 24 | — | $5.1B |
| Q4 25 | $7.0M | $1.9B | ||
| Q3 25 | $7.7M | $1.9B | ||
| Q2 25 | $7.2M | $1.9B | ||
| Q1 25 | $5.8M | $1.9B | ||
| Q4 24 | $5.2M | $1.9B | ||
| Q3 24 | $6.7M | $1.9B | ||
| Q2 24 | $6.2M | $1.9B | ||
| Q1 24 | $5.5M | $2.0B |
| Q4 25 | $23.8M | $21.3B | ||
| Q3 25 | $31.6M | $18.5B | ||
| Q2 25 | $23.0M | $16.8B | ||
| Q1 25 | $19.1M | $14.9B | ||
| Q4 24 | $20.0M | $14.4B | ||
| Q3 24 | $32.4M | $13.1B | ||
| Q2 24 | $20.2M | $12.1B | ||
| Q1 24 | $16.7M | $12.3B |
| Q4 25 | — | 0.58× | ||
| Q3 25 | — | 0.16× | ||
| Q2 25 | — | 0.65× | ||
| Q1 25 | — | 0.51× | ||
| Q4 24 | — | 0.52× | ||
| Q3 24 | — | 2.70× | ||
| Q2 24 | — | 2.76× | ||
| Q1 24 | — | 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 | $3.0M | $-7.2B |
| Free Cash FlowOCF − Capex | $3.0M | — |
| FCF MarginFCF / Revenue | 5.3% | — |
| Capex IntensityCapex / Revenue | 0.0% | — |
| Cash ConversionOCF / Net Profit | — | -137.76× |
| TTM Free Cash FlowTrailing 4 quarters | $2.5M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $3.0M | $-7.2B | ||
| Q3 25 | $500.4K | $-1.3B | ||
| Q2 25 | $-901.5K | $-2.0B | ||
| Q1 25 | $-23.9K | $-594.3M | ||
| Q4 24 | $1.5M | $-2.7B | ||
| Q3 24 | $-2.2M | $-983.8M | ||
| Q2 24 | $456.2K | $243.8M | ||
| Q1 24 | $492.9K | $-342.4M |
| 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 24 | $475.1K | — |
| 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 24 | 1.9% | — |
| 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 24 | 0.1% | — |
| Q4 25 | — | -137.76× | ||
| Q3 25 | 0.94× | -22.26× | ||
| Q2 25 | -0.77× | -267.53× | ||
| Q1 25 | -0.04× | -61.39× | ||
| Q4 24 | — | -58.08× | ||
| Q3 24 | -4.64× | -23.76× | ||
| Q2 24 | 0.70× | 9.59× | ||
| Q1 24 | 0.46× | -7.19× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
HOUR
Segment breakdown not available.
PMT
| Other | $55.0M | 59% |
| Interest Rate Sensitive Strategies | $31.4M | 34% |
| Correspondent Production | $7.2M | 8% |
