CPF
Central Pacific Financial Corp.
CPF's fundamentals are strong: its operating margin rose 7 points to 37% and earnings per share grew 36%. At 12x earnings, it's trading right at its usual valuation. Analysts expect earnings growth.
IREN
IREN Limited
There isn't enough reported data to score IREN yet.
CPF Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
CPF'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 CPF.
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.
CPF PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.6x | $25.30 | -35% |
| Fair | 11x | $37.54 | -3.3% |
| Forward | 11x | $38.81 | — |
| Current | 12x | $38.81 | — |
| Expensive | 14x | $45.56 | +17% |
Historical ranges are pointers, not guarantees.
CPF's PE is in its fair range at 12x. If earnings grow as analysts expect, today's price would be 11x next year's earnings.
IREN PE Valuation
IREN has no meaningful PE right now: it lost money over the past year.
CPF Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Stable | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect CPF's earnings to grow and its profitability to improve, with its revenue holding steady.
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.
CPF Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $3.57 | +7.8% |
| Q3 2026 | $3.31 | +36% |
| Q2 2026 | $3.12 | +40% |
| Q1 2026 | $2.99 | +40% |
| Q4 2025 | $2.86 | +45% |
| Q3 2025 | $2.43 | +16% |
| Q2 2025 | $2.23 | +6.2% |
| Q1 2025 | $2.14 | +4.4% |
| Q4 2024 | $1.97 | -9.2% |
CPF 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.
CPF Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $76.8M | +2.7% |
| Q2 2026 | $77.5M | +6.4% |
| Q1 2026 | $72.9M | +6% |
| Q4 2025 | $76.3M | +31% |
| Q3 2025 | $74.8M | +12% |
| Q2 2025 | $72.8M | +14% |
| Q1 2025 | $68.8M | +12% |
| Q4 2024 | $58.4M | -12% |
CPF's revenue has grown year over year for seven quarters in a row: $77M last quarter, up 2.7% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 39% | +7.7 points |
| Q2 2026 | 35% | +1.9 points |
| Q1 2026 | 37% | +4.1 points |
| Q4 2025 | 37% | +14 points |
| Q3 2025 | 32% | +6 points |
| Q2 2025 | 33% | +0.5 points |
| Q1 2025 | 33% | +5.2 points |
| Q4 2024 | 23% | -5.9 points |
CPF 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.
CPF Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $28.1M | +31% |
| Q2 2026 | $41M | +27% |
| Q1 2026 | $17.3M | -12% |
| Q4 2025 | $19.1M | -23% |
| Q3 2025 | $21.4M | +37% |
| Q2 2025 | $32.3M | +52% |
| Q1 2025 | $19.6M | +42% |
| Q4 2024 | $24.8M | +24% |
CPF 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.
CPF Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.1% | -292K shares |
| 1 year | -4.7% | -1.3M shares |
| 3 years | -4.7% | -1.3M shares |
| 5 years | -8.4% | -2.4M shares |
| Available history | -10% | -2.9M shares |
CPF 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 | — |
CPF Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.3x | Net Cash |
| Q2 2026 | -0.2x | Net Cash |
| Q1 2026 | -0.1x | Net Cash |
| Q4 2025 | -0.1x | Net Cash |
| Q3 2025 | 0.3x | Very low |
| Q2 2025 | 0.2x | Very low |
| Q1 2025 | 0.3x | Very low |
| Q4 2024 | 1.1x | Healthy |
CPF has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like CPF.
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.
CPF Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 61.8 | Neutral |
| Stochastic | 61.2 | Neutral |
CPF's weekly RSI is 62 (neutral) and its Stochastic is 61 (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).
CPF PE vs Financial Services Sector
| Metric | CPF | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 9.9% below |
| PE % | 53 | 63 | 10 pts below |
CPF is trading at 12x 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.
CPF Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $37.3 | 4.1% above |
| 20 week MA | $37.9 | 2.3% above |
| 50 week MA | $35.1 | 11% above |
| 100 week MA | $31.6 | 23% above |
| 200 week MA | $26.2 | 48% above |
CPF 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.
CPF Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $29.7 | $19.0 | -36% |
| 2021 | $19.0 | $27.7 | +46% |
| 2022 | $27.7 | $19.8 | -29% |
| 2023 | $19.8 | $19.7 | -0.4% |
| 2024 | $19.7 | $28.8 | +46% |
| 2025 | $28.8 | $32.2 | +12% |
| 2026 YTD | $32.2 | $38.8 | +20% |
CPF 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.