BVFL
BV Financial, Inc.
BVFL's fundamentals are strong: its operating margin rose 9 points to 47% and revenue grew 3.9%. At 14x earnings, it's trading below its usual 16x.
IREN
IREN Limited
There isn't enough reported data to score IREN yet.
BVFL Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
BVFL's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like BVFL.
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.
BVFL PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 14x | $20.61 | -2.1% |
| Current | 14x | $21.05 | — |
| Fair | 16x | $23.67 | +12% |
| Expensive | 19x | $28.33 | +35% |
Historical ranges are pointers, not guarantees.
BVFL's PE is in its cheap range at 14x.
IREN PE Valuation
IREN has no meaningful PE right now: it lost money over the past year.
BVFL Forward outlook
There aren't enough analyst estimates for BVFL to show an outlook.
IREN Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Losses growing | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Low |
Analysts expect IREN's losses to grow, with revenue growing. However, they disagree widely on these estimates.
BVFL Earnings Per Share
BVFL and IREN do not have enough comparable growth data to identify a winner.
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.
BVFL Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2026 | $10M | +1.4% |
| Q1 2026 | $9.6M | +5.1% |
| Q4 2025 | $10.5M | +9.2% |
| Q3 2025 | $10M | +0.4% |
| Q2 2025 | $9.9M | +3.8% |
| Q1 2025 | $9.2M | +7.4% |
| Q4 2024 | $9.7M | +0.5% |
| Q3 2024 | $10M | +2.5% |
BVFL's revenue has grown year over year for eight quarters in a row: $10M last quarter, up 1.4% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2026 | 47% | +7.4 points |
| Q1 2026 | 21% | -8.1 points |
| Q4 2025 | 67% | +38 points |
| Q3 2025 | 52% | -0.9 points |
| Q2 2025 | 40% | -9.8 points |
| Q1 2025 | 29% | -13 points |
| Q4 2024 | 29% | -12 points |
| Q3 2024 | 52% | +0.3 points |
BVFL 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's revenue has held roughly level: $228M last quarter, down 5.1% from the same quarter a year ago.
| 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.
BVFL Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | $4.3M | +68% |
| Q1 2026 | $3.7M | -13% |
| Q4 2025 | $3.6M | -8.8% |
| Q3 2025 | $8.4M | +41% |
| Q2 2025 | $2.6M | +78% |
| Q1 2025 | $4.2M | +2.1% |
| Q4 2024 | $3.9M | +13% |
| Q3 2024 | $6M | +$55.2M |
BVFL 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.
BVFL Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +1.2% | +96K shares |
| 1 year | -16% | -1.6M shares |
BVFL has the edge over IREN on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q2 2026 | $4.6M |
| Q1 2026 | $2M |
| Q4 2025 | $12M |
| Q3 2025 | $12.8M |
| Q2 2025 | $4.3M |
| Q1 2025 | $981,000 |
BVFL spent $31M buying back its own shares over the past year.
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 | — |
BVFL Net Leverage
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.
BVFL Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 51.3 | Neutral |
| Stochastic | 50.3 | Neutral |
BVFL's weekly RSI is 51 (neutral) and its Stochastic is 50 (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).
BVFL PE vs Financial Services Sector
| Metric | BVFL | Sector median | Relative |
|---|---|---|---|
| PE | 14x | 13x | 8.5% above |
| PE % | 21 | 63 | 42 pts below |
BVFL is trading at 14x earnings, in line with 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.
BVFL Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $21.5 | 1.9% below |
| 20 week MA | $21.3 | 1.2% below |
| 50 week MA | $20.2 | 4.4% above |
| 100 week MA | $18.0 | 17% above |
| 200 week MA | $16.8 | 25% above |
BVFL 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.
BVFL Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $17.1 | $16.0 | -6.5% |
| 2021 | $16.0 | $20.5 | +28% |
| 2022 | $20.5 | $25.0 | +22% |
| 2023 | $25.0 | $14.2 | -43% |
| 2024 | $14.2 | $17.4 | +22% |
| 2025 | $17.4 | $18.3 | +5.3% |
| 2026 YTD | $18.3 | $21.1 | +15% |
BVFL 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.