CFG
Citizens Financial Group, Inc.
CFG's fundamentals are strong: its operating margin rose 6 points to 32% and earnings per share grew 39%. At 13x earnings, it's trading above its usual 11x. Analysts expect strong earnings growth.
IREN
IREN Limited
There isn't enough reported data to score IREN yet.
CFG Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
CFG's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like CFG.
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.
CFG PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.9x | $39.08 | -40% |
| Forward | 10x | $64.86 | — |
| Fair | 11x | $54.21 | -16% |
| Current | 13x | $64.86 | — |
| Expensive | 16x | $79.51 | +23% |
Historical ranges are pointers, not guarantees.
CFG's PE is in its fair range at 13x. If earnings grow as analysts expect, today's price would be 10x next year's earnings.
IREN PE Valuation
IREN has no meaningful PE right now: it lost money over the past year.
CFG Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| High |
CFG has the edge over IREN on the outlook, with more favorable earnings expectations.
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.
CFG Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $6.18 | +25% |
| Q3 2026 | $4.96 | +39% |
| Q2 2026 | $4.60 | +40% |
| Q1 2026 | $4.22 | +34% |
| Q4 2025 | $3.86 | +27% |
| Q3 2025 | $3.57 | +39% |
| Q2 2025 | $3.29 | +25% |
| Q1 2025 | $3.15 | +13% |
| Q4 2024 | $3.03 | -3.2% |
CFG 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.
CFG Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $2.3B | +9.6% |
| Q2 2026 | $2.3B | +12% |
| Q1 2026 | $2.2B | +12% |
| Q4 2025 | $2.2B | +8.6% |
| Q3 2025 | $2.1B | +11% |
| Q2 2025 | $2B | +3.8% |
| Q1 2025 | $1.9B | -1.2% |
| Q4 2024 | $2B | -0.1% |
CFG's revenue has grown year over year for six quarters in a row: $2.3B last quarter, up 9.6% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 35% | +4.9 points |
| Q2 2026 | 33% | +5.9 points |
| Q1 2026 | 30% | +5.8 points |
| Q4 2025 | 31% | +5.8 points |
| Q3 2025 | 30% | +5 points |
| Q2 2025 | 27% | +2.8 points |
| Q1 2025 | 24% | +2.2 points |
| Q4 2024 | 26% | +15 points |
CFG 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.
CFG Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $453M | -73% |
| Q2 2026 | $726M | -18% |
| Q1 2026 | $237M | +$450M |
| Q4 2025 | -$158M | -133% |
| Q3 2025 | $1.7B | +1205% |
| Q2 2025 | $886M | +6.2% |
| Q1 2025 | -$213M | -138% |
| Q4 2024 | $483M | -28% |
CFG 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.
CFG Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.2% | -1M shares |
| 1 year | -2.3% | -9.8M shares |
| 3 years | -9.7% | -45.5M shares |
| 5 years | -0.5% | -2.2M shares |
| Available history | -5.7% | -25.6M shares |
CFG has the edge over IREN on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $125M |
| Q2 2026 | $225M |
| Q1 2026 | $300M |
| Q4 2025 | $125M |
| Q3 2025 | $75M |
| Q2 2025 | $200M |
| Q1 2025 | $200M |
| Q4 2024 | $225M |
CFG spent $775M buying back its own shares over the past year, up 11% from the year before.
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 | — |
CFG Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 5.1x | High |
| Q2 2026 | 4.8x | High |
| Q1 2026 | 3.8x | Elevated |
| Q4 2025 | 3.5x | Elevated |
| Q3 2025 | 3.6x | Elevated |
| Q2 2025 | 4.7x | High |
| Q1 2025 | 4.6x | High |
| Q4 2024 | 4.6x | High |
CFG's net debt is about 5.1 years of its operating earnings (EBITDA), up from 3.5 years a year ago. Net leverage isn't a meaningful measure for financial services companies like CFG.
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.
CFG Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 47.3 | Neutral |
| Stochastic | 16.2 | Oversold |
CFG's weekly RSI is 47 (neutral) and its Stochastic is 16 (oversold).
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).
CFG PE vs Financial Services Sector
| Metric | CFG | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 0.5% above |
| PE % | 60 | 63 | 3 pts below |
CFG is trading at 13x 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.
CFG Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $64.2 | 1% above |
| 20 week MA | $68.3 | 5.1% below |
| 50 week MA | $64.6 | 0.4% above |
| 100 week MA | $55.2 | 18% above |
| 200 week MA | $44.7 | 45% above |
CFG 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.
CFG Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $40.5 | $35.1 | -13% |
| 2021 | $35.1 | $46.6 | +33% |
| 2022 | $46.6 | $38.9 | -17% |
| 2023 | $38.9 | $33.1 | -15% |
| 2024 | $33.1 | $43.6 | +32% |
| 2025 | $43.6 | $59.8 | +37% |
| 2026 YTD | $59.8 | $64.9 | +8.4% |
CFG 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.