ACIC
American Coastal Insurance Corporation
ACIC's fundamentals are mixed, but it looks expensive: trading at 5.8x earnings, below its usual 7.1x. Its downside scenario is about five times its upside.
IREN
IREN Limited
There isn't enough reported data to score IREN yet.
ACIC Fundamentals
| Metric | Status |
|---|---|
| Under pressure | |
| Strong | |
| N/A | |
| N/A |
ACIC's profitability is currently strong, but its revenue is under pressure. Free cash flow and net leverage aren't meaningful measures for financial services companies like ACIC.
IREN Fundamentals
| Metric | Status |
|---|---|
| Under pressure | |
| Weak | |
| N/A | |
| N/A |
IREN's revenue and profitability are currently under pressure. Free cash flow and net leverage aren't meaningful measures for financial services companies like IREN.
ACIC PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 5x | $8.85 | -14% |
| Current | 5.8x | $10.34 | — |
| Fair | 7.1x | $12.55 | +21% |
| Expensive | 8.2x | $14.58 | +41% |
| Forward | 12x | $10.34 | — |
Historical ranges are pointers, not guarantees.
ACIC's PE is in its cheap range at 5.8x. Analysts expect earnings to fall, which would put today's price at 12x next year's earnings, in its expensive range.
IREN PE Valuation
IREN has no meaningful PE right now: it lost money over the past year.
ACIC Forward outlook
| Metric | Outlook |
|---|---|
| Strongly deteriorating | |
| Strong decline | |
| Decline | |
| Strongly weakening | |
| Limited | |
| High |
Analysts expect ACIC's earnings and revenue to decline, with profitability weakening.
IREN Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Losses growing | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Low |
IREN has the edge over ACIC on the outlook, with more favorable revenue and profitability expectations.
ACIC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $0.89 | -50% |
| Q3 2026 | $1.77 | +3.5% |
| Q2 2026 | $2.02 | +24% |
| Q1 2026 | $2.11 | +42% |
| Q4 2025 | $2.15 | +40% |
| Q3 2025 | $1.71 | +4.9% |
| Q2 2025 | $1.63 | +25% |
| Q1 2025 | $1.49 | +13% |
| Q4 2024 | $1.54 | -78% |
ACIC has the edge over IREN on earnings quality, reporting a profit while its opponent remains loss making.
IREN Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | -$3.96 | -347% |
| Q2 2026 | -$2.22 | -988% |
| Q1 2026 | $0.51 | +$1.10 |
| Q4 2025 | $1.18 | +$1.62 |
| Q3 2025 | $1.60 | +$1.99 |
| Q2 2025 | $0.25 | +$0.45 |
| Q1 2025 | -$0.59 | -$0.43 |
| Q4 2024 | -$0.44 | -$0.15 |
IREN has swung to a loss: it lost $3.96 per share over the past year, after a profit the year before.
ACIC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $70.7M | -22% |
| Q2 2026 | $82.6M | -4.5% |
| Q1 2026 | $71.2M | -1.4% |
| Q4 2025 | $86.4M | +9% |
| Q3 2025 | $90.4M | +10% |
| Q2 2025 | $86.5M | +26% |
| Q1 2025 | $72.2M | -1.4% |
| Q1 2024 | $73.2M | -19% |
ACIC's revenue has slid since its 2020 peak: $71M last quarter, down 22% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 37% | -9.3 points |
| Q2 2026 | 34% | -7.4 points |
| Q1 2026 | 36% | +1.1 points |
| Q4 2025 | 43% | +32 points |
| Q3 2025 | 46% | +2.2 points |
| Q2 2025 | 42% | +6.8 points |
| Q1 2025 | 35% | -6.7 points |
| Q4 2024 | 11% | N/A |
ACIC has the edge over IREN on profitability, with a higher operating margin.
IREN Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $228M | -5.1% |
| Q2 2026 | $137.2M | -27% |
| Q1 2026 | $144.8M | 0% |
| Q4 2025 | $184.7M | +59% |
| Q3 2025 | $240.3M | +355% |
| Q2 2025 | $187.3M | +230% |
| Q1 2025 | $144.8M | +168% |
| Q4 2024 | $116.1M | +176% |
IREN has the edge over ACIC on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | -82% | -50 points |
| Q2 2026 | -452% | -461 points |
| Q1 2026 | -161% | -180 points |
| Q4 2025 | -63% | -79 points |
| Q3 2025 | -32% | +57 points |
| Q2 2025 | 9% | +49 points |
| Q1 2025 | 19% | +8 points |
| Q4 2024 | 15% | +21 points |
IREN's operating margin was −82% last quarter, down 50 points from the same quarter a year ago.
ACIC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $64.4M | +$100M |
| Q2 2026 | $58.3M | -54% |
| Q1 2026 | -$5.9M | -122% |
| Q4 2025 | -$47.8M | -3105% |
| Q3 2025 | -$35.6M | -$26.6M |
| Q2 2025 | $127.9M | +1.2% |
| Q1 2025 | $26.3M | -79% |
| Q4 2024 | $1.6M | -97% |
ACIC has the edge over IREN on cash generation, producing positive trailing cash flow while its opponent burns cash.
IREN Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$1.6B | -$1.6B |
| Q2 2026 | $482.2M | +2895% |
| Q1 2026 | -$873.8M | -$523.1M |
| Q4 2025 | -$468M | -$334M |
| Q3 2025 | -$38M | +$349.4M |
| Q2 2025 | $16.1M | +$179M |
| Q1 2025 | -$350.7M | -$128.7M |
| Q4 2024 | -$134M | -$105.2M |
IREN's free cash flow was −$2.5B over the past year, against −$507M the year before. Free cash flow isn't a meaningful measure for financial services companies like IREN.
ACIC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.8% | -893K shares |
| 1 year | -3% | -1.5M shares |
| 3 years | +9.7% | +4.3M shares |
| 5 years | +13% | +5.4M shares |
| Available history | +13% | +5.6M shares |
ACIC has the edge over IREN on shareholder dilution, with a more favorable share count trend.
IREN Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +26% | +82.4M shares |
| 1 year | +10% | +36.9M shares |
| 3 years | +511% | +333M shares |
| 5 years | +624% | +344M shares |
| Available history | +2346% | +382M shares |
IREN has 399M diluted shares, up 10% from a year ago.
| Quarter | Spent |
|---|---|
| Q2 2025 | — |
| Q1 2025 | — |
| Q4 2024 | — |
| Q3 2024 | — |
| Q2 2024 | — |
| Q1 2024 | — |
| Q4 2023 | — |
| Q3 2023 | — |
ACIC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -1.2x | Net Cash |
| Q2 2026 | -0.5x | Net Cash |
| Q1 2026 | 0.2x | Very low |
| Q4 2025 | -0.3x | Net Cash |
| Q3 2025 | -1.0x | Net Cash |
| Q2 2025 | -1.5x | Net Cash |
| Q1 2025 | -0.2x | Net Cash |
| Q4 2024 | -0.7x | Net Cash |
ACIC has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like ACIC.
IREN Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q1 2026 | 157.6x | High |
| Q4 2025 | 22.2x | High |
| Q3 2025 | 4.1x | High |
| Q2 2025 | 2.0x | Moderate |
| Q1 2025 | 3.3x | Elevated |
| Q4 2024 | -4.6x | Net Cash |
| Q3 2024 | -16.7x | Net Cash |
| Q2 2024 | -15.9x | Net Cash |
IREN's net debt is more than 20 years of its operating earnings (EBITDA), up from 3.3 years a year ago. Net leverage isn't a meaningful measure for financial services companies like IREN.
ACIC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 49.8 | Neutral |
| Stochastic | 57.6 | Neutral |
ACIC's weekly RSI is 50 (neutral) and its Stochastic is 58 (neutral).
IREN Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 33.3 | Neutral |
| Stochastic | 8.2 | Oversold |
IREN's weekly RSI is 33 (neutral) and its Stochastic is 8 (oversold).
ACIC PE vs Financial Services Sector
| Metric | ACIC | Sector median | Relative |
|---|---|---|---|
| PE | 5.8x | 13x | 55% below |
| PE % | 31 | 63 | 32 pts below |
ACIC is trading at 5.8x earnings, a 55% discount to the Financial Services sector's median of 13x.
IREN PE vs Financial Services Sector
| Metric | IREN | Sector median | Relative |
|---|---|---|---|
| PE | N/A | 13x | — |
IREN has no meaningful PE right now: it lost money over the past year.
ACIC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $10.3 | 0.9% above |
| 20 week MA | $10.1 | 2% above |
| 50 week MA | $10.8 | 4.6% below |
| 100 week MA | $11.2 | 7.3% below |
| 200 week MA | $9.81 | 5.4% above |
ACIC has the edge over IREN on trend strength, trading above more of its moving averages.
IREN Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $29.8 | 35% below |
| 20 week MA | $36.2 | 46% below |
| 50 week MA | $42.8 | 54% below |
| 100 week MA | $32.0 | 39% below |
| 200 week MA | $19.1 | 2.1% above |
IREN has fallen below most of its moving averages, though it's still 2.1% above its 200-week average.
ACIC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $12.4 | $6.08 | -51% |
| 2021 | $6.08 | $4.33 | -29% |
| 2022 | $4.33 | $0.88 | -80% |
| 2023 | $0.88 | $9.46 | +975% |
| 2024 | $9.46 | $13.4 | +41% |
| 2025 | $13.4 | $12.5 | -6.3% |
| 2026 YTD | $12.5 | $10.3 | -18% |
ACIC has the edge over IREN on returns for 2026, with the stronger performance.
IREN Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2021 | $24.8 | $17.2 | -31% |
| 2022 | $17.2 | $1.19 | -93% |
| 2023 | $1.19 | $7.15 | +501% |
| 2024 | $7.15 | $10.7 | +50% |
| 2025 | $10.7 | $40.3 | +276% |
| 2026 YTD | $40.3 | $19.5 | -52% |
IREN's yearly returns have swung widely, from +501% in 2023 to −93% in 2022. It's down 52% so far in 2026.