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Side-by-side financial comparison of Hour Loop, Inc (HOUR) and Velocity Financial, Inc. (VEL). Click either name above to swap in a different company.
Hour Loop, Inc is the larger business by last-quarter revenue ($56.1M vs $51.6M, roughly 1.1× Velocity Financial, Inc.). Velocity Financial, Inc. runs the higher net margin — 67.3% vs -1.2%, a 68.5% gap on every dollar of revenue. On growth, Velocity Financial, Inc. posted the faster year-over-year revenue change (32.8% vs 3.0%). Velocity Financial, Inc. produced more free cash flow last quarter ($17.9M vs $3.0M). Over the past eight quarters, Hour Loop, Inc's revenue compounded faster (50.7% CAGR vs 32.3%).
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.
Velocity Financial, Inc. is a U.S.-headquartered real estate finance company that offers specialized mortgage loan solutions primarily for residential investment properties. It partners with independent mortgage brokers nationwide, providing real estate investors with short-term bridge loans and long-term rental property financing options tailored to their operational needs.
HOUR vs VEL — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $56.1M | $51.6M |
| Net Profit | $-657.3K | $34.8M |
| Gross Margin | 49.6% | — |
| Operating Margin | -1.5% | 97.0% |
| Net Margin | -1.2% | 67.3% |
| Revenue YoY | 3.0% | 32.8% |
| Net Profit YoY | 57.0% | 67.0% |
| EPS (diluted) | $-0.02 | $0.90 |
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 | $51.6M | ||
| Q3 25 | $33.4M | $49.1M | ||
| Q2 25 | $27.1M | $47.6M | ||
| Q1 25 | $25.8M | $37.5M | ||
| Q4 24 | $54.4M | $38.9M | ||
| Q3 24 | $31.1M | $35.1M | ||
| Q2 24 | $28.1M | $32.4M | ||
| Q1 24 | $24.7M | $29.5M |
| Q4 25 | $-657.3K | $34.8M | ||
| Q3 25 | $530.6K | $25.4M | ||
| Q2 25 | $1.2M | $26.0M | ||
| Q1 25 | $654.5K | $18.9M | ||
| Q4 24 | $-1.5M | $20.8M | ||
| Q3 24 | $469.6K | $15.8M | ||
| Q2 24 | $649.1K | $14.8M | ||
| Q1 24 | $1.1M | $17.3M |
| 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% | 97.0% | ||
| Q3 25 | 2.2% | 72.1% | ||
| Q2 25 | 6.0% | 71.3% | ||
| Q1 25 | 3.6% | 71.7% | ||
| Q4 24 | -4.5% | 82.5% | ||
| Q3 24 | 2.3% | 60.6% | ||
| Q2 24 | 3.3% | 61.3% | ||
| Q1 24 | 6.2% | 78.8% |
| Q4 25 | -1.2% | 67.3% | ||
| Q3 25 | 1.6% | 51.7% | ||
| Q2 25 | 4.3% | 54.6% | ||
| Q1 25 | 2.5% | 50.4% | ||
| Q4 24 | -2.8% | 53.5% | ||
| Q3 24 | 1.5% | 45.1% | ||
| Q2 24 | 2.3% | 45.6% | ||
| Q1 24 | 4.3% | 58.5% |
| Q4 25 | $-0.02 | $0.90 | ||
| Q3 25 | $0.01 | $0.65 | ||
| Q2 25 | $0.04 | $0.69 | ||
| Q1 25 | $0.02 | $0.51 | ||
| Q4 24 | $-0.04 | $0.56 | ||
| Q3 24 | $0.01 | $0.44 | ||
| Q2 24 | $0.02 | $0.42 | ||
| Q1 24 | $0.03 | $0.49 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $92.1M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $7.0M | $672.5M |
| Total Assets | $23.8M | $7.4B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $92.1M | ||
| Q3 25 | — | $99.0M | ||
| Q2 25 | — | $79.6M | ||
| Q1 25 | — | $51.7M | ||
| Q4 24 | — | $49.9M | ||
| Q3 24 | — | $44.1M | ||
| Q2 24 | — | $47.4M | ||
| Q1 24 | $2.9M | $34.8M |
| Q4 25 | $7.0M | $672.5M | ||
| Q3 25 | $7.7M | $634.3M | ||
| Q2 25 | $7.2M | $597.9M | ||
| Q1 25 | $5.8M | $563.2M | ||
| Q4 24 | $5.2M | $516.9M | ||
| Q3 24 | $6.7M | $484.6M | ||
| Q2 24 | $6.2M | $471.3M | ||
| Q1 24 | $5.5M | $452.9M |
| Q4 25 | $23.8M | $7.4B | ||
| Q3 25 | $31.6M | $7.0B | ||
| Q2 25 | $23.0M | $6.5B | ||
| Q1 25 | $19.1M | $6.0B | ||
| Q4 24 | $20.0M | $5.5B | ||
| Q3 24 | $32.4M | $5.2B | ||
| Q2 24 | $20.2M | $4.9B | ||
| Q1 24 | $16.7M | $4.6B |
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 | $18.2M |
| Free Cash FlowOCF − Capex | $3.0M | $17.9M |
| FCF MarginFCF / Revenue | 5.3% | 34.6% |
| Capex IntensityCapex / Revenue | 0.0% | 0.5% |
| Cash ConversionOCF / Net Profit | — | 0.52× |
| TTM Free Cash FlowTrailing 4 quarters | $2.5M | $40.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $3.0M | $18.2M | ||
| Q3 25 | $500.4K | $11.5M | ||
| Q2 25 | $-901.5K | $7.7M | ||
| Q1 25 | $-23.9K | $3.5M | ||
| Q4 24 | $1.5M | $37.8M | ||
| Q3 24 | $-2.2M | $-17.6M | ||
| Q2 24 | $456.2K | $11.5M | ||
| Q1 24 | $492.9K | $10.6M |
| Q4 25 | $3.0M | $17.9M | ||
| Q3 25 | $449.3K | $11.4M | ||
| Q2 25 | $-901.6K | $7.6M | ||
| Q1 25 | $-24.6K | $3.5M | ||
| Q4 24 | $1.5M | $37.5M | ||
| Q3 24 | $-2.2M | $-17.6M | ||
| Q2 24 | $439.4K | $11.4M | ||
| Q1 24 | $475.1K | $10.5M |
| Q4 25 | 5.3% | 34.6% | ||
| Q3 25 | 1.3% | 23.2% | ||
| Q2 25 | -3.3% | 15.9% | ||
| Q1 25 | -0.1% | 9.2% | ||
| Q4 24 | 2.8% | 96.4% | ||
| Q3 24 | -7.0% | -50.3% | ||
| Q2 24 | 1.6% | 35.1% | ||
| Q1 24 | 1.9% | 35.8% |
| Q4 25 | 0.0% | 0.5% | ||
| Q3 25 | 0.2% | 0.1% | ||
| Q2 25 | 0.0% | 0.2% | ||
| Q1 25 | 0.0% | 0.2% | ||
| Q4 24 | 0.0% | 0.7% | ||
| Q3 24 | 0.0% | 0.2% | ||
| Q2 24 | 0.1% | 0.3% | ||
| Q1 24 | 0.1% | 0.1% |
| Q4 25 | — | 0.52× | ||
| Q3 25 | 0.94× | 0.45× | ||
| Q2 25 | -0.77× | 0.29× | ||
| Q1 25 | -0.04× | 0.19× | ||
| Q4 24 | — | 1.81× | ||
| Q3 24 | -4.64× | -1.11× | ||
| Q2 24 | 0.70× | 0.78× | ||
| Q1 24 | 0.46× | 0.61× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
HOUR
Segment breakdown not available.
VEL
| Related Party | $19.3M | 37% |
| Nonrelated Party | $16.9M | 33% |
| Other | $15.4M | 30% |
