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Side-by-side financial comparison of Hour Loop, Inc (HOUR) and Repay Holdings Corp (RPAY). Click either name above to swap in a different company.
Repay Holdings Corp is the larger business by last-quarter revenue ($78.6M vs $56.1M, roughly 1.4× Hour Loop, Inc). Hour Loop, Inc runs the higher net margin — -1.2% vs -178.3%, a 177.1% gap on every dollar of revenue. On growth, Hour Loop, Inc posted the faster year-over-year revenue change (3.0% vs 0.4%). Repay Holdings Corp produced more free cash flow last quarter ($23.2M vs $3.0M). Over the past eight quarters, Hour Loop, Inc's revenue compounded faster (50.7% CAGR vs -1.3%).
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.
Repay Holdings Corp is a leading payment technology provider delivering integrated end-to-end payment processing solutions for businesses across North America. Its offerings include credit/debit card processing, ACH transfer services, POS system integrations and digital payment tools, serving retail, healthcare, automotive and e-commerce segments to help clients streamline transaction workflows and boost operational efficiency.
HOUR vs RPAY — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $56.1M | $78.6M |
| Net Profit | $-657.3K | $-140.1M |
| Gross Margin | 49.6% | 74.2% |
| Operating Margin | -1.5% | -182.2% |
| Net Margin | -1.2% | -178.3% |
| Revenue YoY | 3.0% | 0.4% |
| Net Profit YoY | 57.0% | -3304.1% |
| EPS (diluted) | $-0.02 | $-1.68 |
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 | $78.6M | ||
| Q3 25 | $33.4M | $77.7M | ||
| Q2 25 | $27.1M | $75.6M | ||
| Q1 25 | $25.8M | $77.3M | ||
| Q4 24 | $54.4M | $78.3M | ||
| Q3 24 | $31.1M | $79.1M | ||
| Q2 24 | $28.1M | $74.9M | ||
| Q1 24 | $24.7M | $80.7M |
| Q4 25 | $-657.3K | $-140.1M | ||
| Q3 25 | $530.6K | $-6.4M | ||
| Q2 25 | $1.2M | $-102.3M | ||
| Q1 25 | $654.5K | $-7.9M | ||
| Q4 24 | $-1.5M | $-4.1M | ||
| Q3 24 | $469.6K | $3.2M | ||
| Q2 24 | $649.1K | $-4.1M | ||
| Q1 24 | $1.1M | $-5.2M |
| Q4 25 | 49.6% | 74.2% | ||
| Q3 25 | 51.4% | 74.4% | ||
| Q2 25 | 57.2% | 75.7% | ||
| Q1 25 | 54.7% | 75.9% | ||
| Q4 24 | 45.7% | 76.3% | ||
| Q3 24 | 54.8% | 77.8% | ||
| Q2 24 | 55.7% | 78.2% | ||
| Q1 24 | 58.6% | 76.2% |
| Q4 25 | -1.5% | -182.2% | ||
| Q3 25 | 2.2% | -3.9% | ||
| Q2 25 | 6.0% | -138.7% | ||
| Q1 25 | 3.6% | -4.7% | ||
| Q4 24 | -4.5% | -1.5% | ||
| Q3 24 | 2.3% | -0.9% | ||
| Q2 24 | 3.3% | -4.6% | ||
| Q1 24 | 6.2% | -3.1% |
| Q4 25 | -1.2% | -178.3% | ||
| Q3 25 | 1.6% | -8.3% | ||
| Q2 25 | 4.3% | -135.2% | ||
| Q1 25 | 2.5% | -10.3% | ||
| Q4 24 | -2.8% | -5.3% | ||
| Q3 24 | 1.5% | 4.1% | ||
| Q2 24 | 2.3% | -5.4% | ||
| Q1 24 | 4.3% | -6.5% |
| Q4 25 | $-0.02 | $-1.68 | ||
| Q3 25 | $0.01 | $-0.08 | ||
| Q2 25 | $0.04 | $-1.15 | ||
| Q1 25 | $0.02 | $-0.09 | ||
| Q4 24 | $-0.04 | $-0.04 | ||
| Q3 24 | $0.01 | $0.03 | ||
| Q2 24 | $0.02 | $-0.04 | ||
| Q1 24 | $0.03 | $-0.06 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $115.7M |
| Total DebtLower is stronger | — | $280.1M |
| Stockholders' EquityBook value | $7.0M | $484.4M |
| Total Assets | $23.8M | $1.2B |
| Debt / EquityLower = less leverage | — | 0.58× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $115.7M | ||
| Q3 25 | — | $95.7M | ||
| Q2 25 | — | $162.6M | ||
| Q1 25 | — | $165.5M | ||
| Q4 24 | — | $189.5M | ||
| Q3 24 | — | $168.7M | ||
| Q2 24 | — | $147.1M | ||
| Q1 24 | $2.9M | $128.3M |
| Q4 25 | — | $280.1M | ||
| Q3 25 | — | $279.5M | ||
| Q2 25 | — | $279.0M | ||
| Q1 25 | — | $497.6M | ||
| Q4 24 | — | $496.8M | ||
| Q3 24 | — | $496.2M | ||
| Q2 24 | — | $435.6M | ||
| Q1 24 | — | $434.9M |
| Q4 25 | $7.0M | $484.4M | ||
| Q3 25 | $7.7M | $616.9M | ||
| Q2 25 | $7.2M | $633.7M | ||
| Q1 25 | $5.8M | $755.7M | ||
| Q4 24 | $5.2M | $761.3M | ||
| Q3 24 | $6.7M | $754.7M | ||
| Q2 24 | $6.2M | $815.4M | ||
| Q1 24 | $5.5M | $813.8M |
| Q4 25 | $23.8M | $1.2B | ||
| Q3 25 | $31.6M | $1.3B | ||
| Q2 25 | $23.0M | $1.4B | ||
| Q1 25 | $19.1M | $1.5B | ||
| Q4 24 | $20.0M | $1.6B | ||
| Q3 24 | $32.4M | $1.6B | ||
| Q2 24 | $20.2M | $1.5B | ||
| Q1 24 | $16.7M | $1.5B |
| Q4 25 | — | 0.58× | ||
| Q3 25 | — | 0.45× | ||
| Q2 25 | — | 0.44× | ||
| Q1 25 | — | 0.66× | ||
| Q4 24 | — | 0.65× | ||
| Q3 24 | — | 0.66× | ||
| Q2 24 | — | 0.53× | ||
| Q1 24 | — | 0.53× |
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 | $23.3M |
| Free Cash FlowOCF − Capex | $3.0M | $23.2M |
| FCF MarginFCF / Revenue | 5.3% | 29.6% |
| Capex IntensityCapex / Revenue | 0.0% | 0.1% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $2.5M | $90.7M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $3.0M | $23.3M | ||
| Q3 25 | $500.4K | $32.2M | ||
| Q2 25 | $-901.5K | $33.1M | ||
| Q1 25 | $-23.9K | $2.5M | ||
| Q4 24 | $1.5M | $34.3M | ||
| Q3 24 | $-2.2M | $60.1M | ||
| Q2 24 | $456.2K | $31.0M | ||
| Q1 24 | $492.9K | $24.8M |
| Q4 25 | $3.0M | $23.2M | ||
| Q3 25 | $449.3K | $32.1M | ||
| Q2 25 | $-901.6K | $33.0M | ||
| Q1 25 | $-24.6K | $2.4M | ||
| Q4 24 | $1.5M | $34.0M | ||
| Q3 24 | $-2.2M | $59.8M | ||
| Q2 24 | $439.4K | $30.5M | ||
| Q1 24 | $475.1K | $24.7M |
| Q4 25 | 5.3% | 29.6% | ||
| Q3 25 | 1.3% | 41.3% | ||
| Q2 25 | -3.3% | 43.6% | ||
| Q1 25 | -0.1% | 3.0% | ||
| Q4 24 | 2.8% | 43.5% | ||
| Q3 24 | -7.0% | 75.6% | ||
| Q2 24 | 1.6% | 40.7% | ||
| Q1 24 | 1.9% | 30.6% |
| Q4 25 | 0.0% | 0.1% | ||
| Q3 25 | 0.2% | 0.2% | ||
| Q2 25 | 0.0% | 0.1% | ||
| Q1 25 | 0.0% | 0.2% | ||
| Q4 24 | 0.0% | 0.3% | ||
| Q3 24 | 0.0% | 0.3% | ||
| Q2 24 | 0.1% | 0.6% | ||
| Q1 24 | 0.1% | 0.1% |
| Q4 25 | — | — | ||
| Q3 25 | 0.94× | — | ||
| Q2 25 | -0.77× | — | ||
| Q1 25 | -0.04× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | -4.64× | 18.52× | ||
| Q2 24 | 0.70× | — | ||
| Q1 24 | 0.46× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
HOUR
Segment breakdown not available.
RPAY
| Sales Channel Directly To Consumer | $69.4M | 88% |
| Other | $6.8M | 9% |
| Sales Channel Through Intermediary | $2.3M | 3% |
