FCF

First Commonwealth Financial Corporation

There isn't enough reported data to score FCF yet.

IREN

IREN Limited

There isn't enough reported data to score IREN yet.

FCF Fundamentals

MetricStatus
Stable
Strong
N/A
N/A

FCF'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 FCF.

IREN Fundamentals

MetricStatus
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.

FCF PE Valuation

CHEAPFAIREXPENSIVE5.4x11x16x22x
CHEAPFAIREXPENSIVE5.4x11x16x22x
LevelPEPriceVs current
Cheap9.2x$15.62-25%
Fair11x$18.96-9.4%
Forward11x$20.92โ€”
Current12x$20.92โ€”
Expensive13x$22.07+5.5%

Historical ranges are pointers, not guarantees.

FCF's PE is 12x, 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.

FCF Forward outlook

MetricOutlook
Improving
Growth
Growth
Strongly improving
Limited
Moderate

FCF has the edge over IREN on the outlook, with more favorable earnings expectations.

IREN Forward outlook

MetricOutlook
--
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.

FCF Risk to reward

ScenarioChangePrice
UpsideUnknownโ€”
DownsideUnknownโ€”

Calculated from the latest close: $20.92 on Nov 12.

There is not enough scenario data to compare FCF and IREN's risk to reward.

IREN Risk to reward

ScenarioChangePrice
UpsideUnknownโ€”
DownsideUnknownโ€”

Calculated from the latest close: $19.48 on Nov 12.

There is not enough scenario data to compare FCF and IREN's risk to reward.

FCF Earnings Per Share

Q4 2023: $1.54Q1 2024: $1.61Q2 2024: $1.55Q3 2024: $1.48Q4 2024: $1.39Q1 2025: $1.34Q2 2025: $1.30Q3 2025: $1.38Q4 2025: $1.47Q1 2026: $1.52Q2 2026: $1.64Q3 2026: $1.70Forward: $1.99
Q4 2023: $1.54Q1 2024: $1.61Q2 2024: $1.55Q3 2024: $1.48Q4 2024: $1.39Q1 2025: $1.34Q2 2025: $1.30Q3 2025: $1.38Q4 2025: $1.47Q1 2026: $1.52Q2 2026: $1.64Q3 2026: $1.70Forward: $1.99
QuarterTTM EPSYoY
Forward$1.99+17%
Q3 2026$1.70+23%
Q2 2026$1.64+26%
Q1 2026$1.52+13%
Q4 2025$1.47+5.8%
Q3 2025$1.38-6.8%
Q2 2025$1.30-16%
Q1 2025$1.34-17%
Q4 2024$1.39-9.7%

FCF has the edge over IREN on earnings quality, reporting a profit while its opponent remains loss making.

IREN Earnings Per Share

Q4 2023: $-0.29Q1 2024: $-0.16Q2 2024: $-0.20Q3 2024: $-0.39Q4 2024: $-0.44Q1 2025: $-0.59Q2 2025: $0.25Q3 2025: $1.60Q4 2025: $1.18Q1 2026: $0.51Q2 2026: $-2.22Q3 2026: $-3.96
Q4 2023: $-0.29Q1 2024: $-0.16Q2 2024: $-0.20Q3 2024: $-0.39Q4 2024: $-0.44Q1 2025: $-0.59Q2 2025: $0.25Q3 2025: $1.60Q4 2025: $1.18Q1 2026: $0.51Q2 2026: $-2.22Q3 2026: $-3.96
QuarterTTM EPSYoY
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.

FCF Quarterly Revenue

Q4 2023: $120MQ1 2024: $116MQ2 2024: $120MQ3 2024: $121MQ4 2024: $120MQ1 2025: $118MQ2 2025: $131MQ3 2025: $136MQ4 2025: $138MQ1 2026: $134MQ2 2026: $139MQ3 2026: $143M
Q4 2023: $120MQ1 2024: $116MQ2 2024: $120MQ3 2024: $121MQ4 2024: $120MQ1 2025: $118MQ2 2025: $131MQ3 2025: $136MQ4 2025: $138MQ1 2026: $134MQ2 2026: $139MQ3 2026: $143M
QuarterRevenueYoY
Q3 2026$143M+5.2%
Q2 2026$139.4M+6.5%
Q1 2026$133.6M+13%
Q4 2025$137.9M+15%
Q3 2025$136M+12%
Q2 2025$131M+9%
Q1 2025$118M+1.5%
Q4 2024$120.4M+0.3%

FCF's revenue has grown year over year for eight quarters in a row: $143M last quarter, up 5.2% from the same quarter a year ago.

IREN Quarterly Revenue

Q4 2023: $42MQ1 2024: $54MQ2 2024: $57MQ3 2024: $53MQ4 2024: $116MQ1 2025: $145MQ2 2025: $187MQ3 2025: $240MQ4 2025: $185MQ1 2026: $145MQ2 2026: $137MQ3 2026: $228M
Q4 2023: $42MQ1 2024: $54MQ2 2024: $57MQ3 2024: $53MQ4 2024: $116MQ1 2025: $145MQ2 2025: $187MQ3 2025: $240MQ4 2025: $185MQ1 2026: $145MQ2 2026: $137MQ3 2026: $228M
QuarterRevenueYoY
Q3 2026$228M-5.1%
Q2 2026$137.2M-27%
Q1 2026$144.8M0%
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.

FCF Free Cash Flow

Q4 2023: --Q1 2024: $40MQ2 2024: $23MQ3 2024: $54MQ4 2024: --Q1 2025: $56MQ2 2025: $30MQ3 2025: $49MQ4 2025: --Q1 2026: $87MQ2 2026: $4MQ3 2026: $16M
Q4 2023: --Q1 2024: $40MQ2 2024: $23MQ3 2024: $54MQ4 2024: --Q1 2025: $56MQ2 2025: $30MQ3 2025: $49MQ4 2025: --Q1 2026: $87MQ2 2026: $4MQ3 2026: $16M
QuarterFree cash flowYoY
Q3 2026$16M-68%
Q2 2026$3.6M-88%
Q1 2026$86.8M+55%
Q3 2025$49.5M-7.7%
Q2 2025$30.4M+34%
Q1 2025$55.9M+41%
Q3 2024$53.6M+163%
Q2 2024$22.7M-52%

FCF's free cash flow was $156M over the past year, down 4.1% from the year before. Free cash flow isn't a meaningful measure for financial services companies like FCF.

IREN Free Cash Flow

Q4 2023: โˆ’$29MQ1 2024: โˆ’$222MQ2 2024: โˆ’$163MQ3 2024: โˆ’$387MQ4 2024: โˆ’$134MQ1 2025: โˆ’$351MQ2 2025: $16MQ3 2025: โˆ’$38MQ4 2025: โˆ’$468MQ1 2026: โˆ’$874MQ2 2026: $482MQ3 2026: โˆ’$1.6B
Q4 2023: โˆ’$29MQ1 2024: โˆ’$222MQ2 2024: โˆ’$163MQ3 2024: โˆ’$387MQ4 2024: โˆ’$134MQ1 2025: โˆ’$351MQ2 2025: $16MQ3 2025: โˆ’$38MQ4 2025: โˆ’$468MQ1 2026: โˆ’$874MQ2 2026: $482MQ3 2026: โˆ’$1.6B
QuarterFree cash flowYoY
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 โˆ’$2.5B over the past year, against โˆ’$507M the year before. Free cash flow isn't a meaningful measure for financial services companies like IREN.

FCF Total Shares

Q4 2023: 102MQ1 2024: 102MQ2 2024: 102MQ3 2024: 102MQ4 2024: 102MQ1 2025: 102MQ2 2025: 104MQ3 2025: 105MQ4 2025: 104MQ1 2026: 102MQ2 2026: 102MQ3 2026: 100M
Q4 2023: 102MQ1 2024: 102MQ2 2024: 102MQ3 2024: 102MQ4 2024: 102MQ1 2025: 102MQ2 2025: 104MQ3 2025: 105MQ4 2025: 104MQ1 2026: 102MQ2 2026: 102MQ3 2026: 100M
PeriodChange %Net change
Quarterly-1.5%-1.5M shares
1 year-4.5%-4.7M shares
3 years-2.3%-2.4M shares
5 years+4.4%+4.2M shares
Available history+1.5%+1.5M shares

FCF has the edge over IREN on shareholder dilution, with a more favorable share count trend.

IREN Total Shares

Q4 2023: 73MQ1 2024: 112MQ2 2024: 186MQ3 2024: 189MQ4 2024: 210MQ1 2025: 219MQ2 2025: 257MQ3 2025: 362MQ4 2025: 298MQ1 2026: 334MQ2 2026: 316MQ3 2026: 399M
Q4 2023: 73MQ1 2024: 112MQ2 2024: 186MQ3 2024: 189MQ4 2024: 210MQ1 2025: 219MQ2 2025: 257MQ3 2025: 362MQ4 2025: 298MQ1 2026: 334MQ2 2026: 316MQ3 2026: 399M
PeriodChange %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.

FCF Net Leverage

Q4 2023: 3.3xQ1 2024: 3.1xQ2 2024: 2.8xQ3 2024: 2.8xQ4 2024: 1.3xQ1 2025: 1.2xQ2 2025: 2.1xQ3 2025: 1.6xQ4 2025: 1.6xQ1 2026: 0.2xQ2 2026: 0.7xQ3 2026: 0.9x
Q4 2023: 3.3xQ1 2024: 3.1xQ2 2024: 2.8xQ3 2024: 2.8xQ4 2024: 1.3xQ1 2025: 1.2xQ2 2025: 2.1xQ3 2025: 1.6xQ4 2025: 1.6xQ1 2026: 0.2xQ2 2026: 0.7xQ3 2026: 0.9x
QuarterNet LeverageStatus
Q3 20260.9xVery low
Q2 20260.7xVery low
Q1 20260.2xVery low
Q4 20251.6xHealthy
Q3 20251.6xHealthy
Q2 20252.1xModerate
Q1 20251.2xHealthy
Q4 20241.3xHealthy

FCF's net debt is less than a year of its operating earnings (EBITDA), down from 1.6 years a year ago. Net leverage isn't a meaningful measure for financial services companies like FCF.

IREN Net Leverage

Q4 2023: -11.0xQ1 2024: -10.6xQ2 2024: -15.9xQ3 2024: -16.7xQ4 2024: -4.6xQ1 2025: 3.3xQ2 2025: 2.0xQ3 2025: 4.1xQ4 2025: 22.2xQ1 2026: 157.6x
Q4 2023: -11.0xQ1 2024: -10.6xQ2 2024: -15.9xQ3 2024: -16.7xQ4 2024: -4.6xQ1 2025: 3.3xQ2 2025: 2.0xQ3 2025: 4.1xQ4 2025: 22.2xQ1 2026: 157.6x
QuarterNet LeverageStatus
Q1 2026157.6xHigh
Q4 202522.2xHigh
Q3 20254.1xHigh
Q2 20252.0xModerate
Q1 20253.3xElevated
Q4 2024-4.6xNet Cash
Q3 2024-16.7xNet Cash
Q2 2024-15.9xNet 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.

FCF Weekly Momentum

MetricValueStatus
RSI57.0Neutral
Stochastic51.0Neutral

FCF's weekly RSI is 57 (neutral) and its Stochastic is 51 (neutral).

IREN Weekly Momentum

MetricValueStatus
RSI33.3Neutral
Stochastic8.2Oversold

IREN's weekly RSI is 33 (neutral) and its Stochastic is 8 (oversold).

FCF PE vs Financial Services Sector

MetricFCFSector medianRelative
PE12x13x5.5% below
PE %70637 pts above

FCF is trading at 12x earnings, in line with the Financial Services sector's median of 13x, though its earnings don't support one.

IREN PE vs Financial Services Sector

MetricIRENSector medianRelative
PEN/A13xโ€”

IREN has no meaningful PE right now: it lost money over the past year.

FCF Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$20.71.1% above
20 week MA$20.90.1% below
50 week MA$19.28.8% above
100 week MA$17.718% above
200 week MA$16.030% above

FCF has the edge over IREN on trend strength, trading above more of its moving averages.

IREN Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$29.835% below
20 week MA$36.246% below
50 week MA$42.854% below
100 week MA$32.039% below
200 week MA$19.12.1% above

IREN has fallen below most of its moving averages, though it's still 2.1% above its 200-week average.

FCF Yearly ROI

YearStart priceEnd priceROI
2020$14.5$10.7-26%
2021$10.7$15.9+49%
2022$15.9$13.9-13%
2023$13.9$15.4+11%
2024$15.4$17.0+10%
2025$17.0$17.1+0.6%
2026 YTD$17.1$20.9+22%

FCF has the edge over IREN on returns for 2026, with the stronger performance.

IREN Yearly ROI

YearStart priceEnd priceROI
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 โˆ’93% in 2022. It's down 52% so far in 2026.

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