CPSS
Consumer Portfolio Services, Inc.
There isn't enough reported data to score CPSS yet.
IREN
IREN Limited
There isn't enough reported data to score IREN yet.
CPSS Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Healthy | |
| N/A | |
| N/A |
CPSS's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like CPSS.
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.
CPSS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 4x | $4.08 | -58% |
| Fair | 6.3x | $6.44 | -34% |
| Current | 9.6x | $9.77 | — |
| Expensive | 11x | $10.91 | +12% |
Historical ranges are pointers, not guarantees.
CPSS's PE is 9.6x, but its earnings don't support one, so it isn't a reliable read right now.
IREN PE Valuation
IREN has no meaningful PE right now: it lost money over the past year.
CPSS Forward outlook
There aren't enough analyst estimates for CPSS 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.
CPSS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | $1.02 | +27% |
| Q2 2026 | $0.92 | +15% |
| Q1 2026 | $0.85 | +7.6% |
| Q4 2025 | $0.80 | +1.3% |
| Q3 2025 | $0.80 | -9.1% |
| Q2 2025 | $0.80 | -27% |
| Q1 2025 | $0.79 | -46% |
| Q4 2024 | $0.79 | -56% |
CPSS 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.
CPSS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $131.9M | +22% |
| Q2 2026 | $121.4M | +11% |
| Q1 2026 | $112.3M | +5.1% |
| Q4 2025 | $109.4M | +3.9% |
| Q3 2025 | $108.4M | +7.8% |
| Q2 2025 | $109.8M | +14% |
| Q1 2025 | $106.9M | +16% |
| Q4 2024 | $105.3M | +14% |
CPSS's revenue has grown year over year for 20 quarters in a row: $132M last quarter, up 22% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 7.6% | +1.1 points |
| Q2 2026 | 7.4% | +1.1 points |
| Q1 2026 | 7.2% | +0.8 points |
| Q4 2025 | 6.6% | -0.4 points |
| Q3 2025 | 6.5% | -0.3 points |
| Q2 2025 | 6.3% | -0.6 points |
| Q1 2025 | 6.4% | -0.8 points |
| Q4 2024 | 7% | -3.7 points |
CPSS 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.
CPSS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $94.2M | +11% |
| Q2 2026 | $105.9M | +95% |
| Q1 2026 | $83M | +13% |
| Q4 2025 | $75.7M | +11% |
| Q3 2025 | $84.9M | +22% |
| Q2 2025 | $54.3M | +26% |
| Q1 2025 | $73.4M | +40% |
| Q4 2024 | $67.9M | +22% |
CPSS 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.
CPSS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.7% | -165K shares |
| 1 year | -3% | -726K shares |
| 3 years | -7.5% | -1.9M shares |
| 5 years | -2.3% | -559K shares |
CPSS has the edge over IREN on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $5.2M |
| Q2 2026 | $2.5M |
| Q1 2026 | $1.2M |
| Q4 2025 | $2.6M |
| Q3 2025 | $981,000 |
| Q2 2025 | $5.1M |
| Q1 2025 | — |
| Q4 2024 | — |
CPSS spent $11M buying back its own shares over the past year, up 86% 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 | — |
CPSS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 118.9x | High |
| Q2 2026 | 119.1x | High |
| Q1 2026 | 115.7x | High |
| Q4 2025 | 115.4x | High |
| Q3 2025 | 112.6x | High |
| Q2 2025 | 111.2x | High |
| Q1 2025 | 108.4x | High |
| Q4 2024 | 107.5x | High |
CPSS's net debt is more than 20 years of its operating earnings (EBITDA), up from more than 20 years a year ago. Net leverage isn't a meaningful measure for financial services companies like CPSS.
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.
CPSS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 54.7 | Neutral |
| Stochastic | 88.7 | Overbought |
CPSS's weekly RSI is 55 (neutral) and its Stochastic is 89 (overbought).
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).
CPSS PE vs Financial Services Sector
| Metric | CPSS | Sector median | Relative |
|---|---|---|---|
| PE | 9.6x | 13x | 26% below |
| PE % | 72 | 63 | 9 pts above |
CPSS is trading at 9.6x earnings, a 26% discount to the Financial Services sector's median of 13x, though its earnings don't support one.
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.
CPSS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $9.64 | 1.3% above |
| 20 week MA | $9.49 | 3% above |
| 50 week MA | $9.12 | 7.1% above |
| 100 week MA | $9.15 | 6.8% above |
| 200 week MA | $9.42 | 3.7% above |
CPSS 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.
CPSS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $3.37 | $4.24 | +26% |
| 2021 | $4.24 | $8.94 | +111% |
| 2022 | $8.94 | $8.53 | -4.6% |
| 2023 | $8.53 | $9.37 | +9.8% |
| 2024 | $9.37 | $10.5 | +12% |
| 2025 | $10.5 | $9.13 | -13% |
| 2026 YTD | $9.13 | $9.77 | +7% |
CPSS 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.