HBCP
Home Bancorp, Inc.
HBCP's fundamentals are mixed, but it looks expensive: trading at 11x earnings, above its usual 9.8x. Analysts expect earnings to hold roughly steady.
IREN
IREN Limited
There isn't enough reported data to score IREN yet.
HBCP Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Healthy | |
| N/A | |
| N/A |
HBCP's profitability is currently healthy, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like HBCP.
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.
HBCP PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.2x | $40.80 | -34% |
| Fair | 9.8x | $55.58 | -9.8% |
| Forward | 10x | $61.62 | — |
| Expensive | 11x | $64.91 | +5.3% |
| Current | 11x | $61.62 | — |
Historical ranges are pointers, not guarantees.
HBCP's PE is in its expensive range at 11x. On analysts' estimates for next year's earnings, today's price would be 10x, in its fair range.
IREN PE Valuation
IREN has no meaningful PE right now: it lost money over the past year.
HBCP Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Stable | |
| Growth | |
| Weakening | |
| Limited | |
| High |
Analysts expect HBCP's revenue to grow, but its profitability to weaken.
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.
HBCP Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $5.92 | +4.4% |
| Q3 2026 | $5.67 | +0.9% |
| Q2 2026 | $5.98 | +15% |
| Q1 2026 | $5.95 | +24% |
| Q4 2025 | $5.87 | +29% |
| Q3 2025 | $5.62 | +25% |
| Q2 2025 | $5.21 | +15% |
| Q1 2025 | $4.78 | +0.8% |
| Q4 2024 | $4.55 | -8.8% |
HBCP 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.
HBCP Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $40.1M | +6% |
| Q2 2026 | $39.7M | +7.2% |
| Q1 2026 | $38.2M | +6.9% |
| Q4 2025 | $38M | +8% |
| Q3 2025 | $37.8M | +11% |
| Q2 2025 | $37.1M | +12% |
| Q1 2025 | $35.8M | +10% |
| Q4 2024 | $35.2M | +7.5% |
HBCP's revenue has grown year over year for nine quarters in a row: $40M last quarter, up 6% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 32% | -9.2 points |
| Q2 2026 | 36% | -2 points |
| Q1 2026 | 38% | -1 points |
| Q4 2025 | 38% | +4.1 points |
| Q3 2025 | 41% | +6.8 points |
| Q2 2025 | 38% | +7.8 points |
| Q1 2025 | 39% | +3.3 points |
| Q4 2024 | 34% | -1 points |
HBCP 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.
HBCP Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $23.5M | +14% |
| Q2 2026 | $9.3M | +18% |
| Q1 2026 | $14.5M | +66% |
| Q4 2025 | $7.1M | +34% |
| Q3 2025 | $20.7M | +22% |
| Q2 2025 | $7.9M | -41% |
| Q1 2025 | $8.7M | -4.1% |
| Q4 2024 | $5.3M | -45% |
HBCP 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.
HBCP Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.3% | +21K shares |
| 1 year | +1.2% | +91K shares |
| 3 years | -2.1% | -165K shares |
| 5 years | -6.3% | -532K shares |
| Available history | -14% | -1.3M shares |
HBCP has the edge over IREN on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $25,000 |
| Q2 2026 | $182,000 |
| Q1 2026 | $249,000 |
| Q4 2025 | $42,000 |
| Q3 2025 | $5,000 |
| Q2 2025 | $6.5M |
| Q1 2025 | $7.8M |
| Q4 2024 | $88,000 |
HBCP spent $498,000 buying back its own shares over the past year, down 97% 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 | — |
HBCP Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -2.1x | Net Cash |
| Q2 2026 | -2.1x | Net Cash |
| Q1 2026 | -2.7x | Net Cash |
| Q4 2025 | -1.4x | Net Cash |
| Q3 2025 | -2.2x | Net Cash |
| Q2 2025 | -0.9x | Net Cash |
| Q1 2025 | -1.0x | Net Cash |
| Q4 2024 | -0.8x | Net Cash |
HBCP has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like HBCP.
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.
HBCP Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 38.1 | Neutral |
| Stochastic | 23.4 | Neutral |
HBCP's weekly RSI is 38 (neutral) and its Stochastic is 23 (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).
HBCP PE vs Financial Services Sector
| Metric | HBCP | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 17% below |
| PE % | 76 | 63 | 13 pts above |
HBCP is trading at 11x earnings, a 17% discount to 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.
HBCP Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $63.9 | 3.6% below |
| 20 week MA | $67.5 | 8.8% below |
| 50 week MA | $64.2 | 4% below |
| 100 week MA | $57.4 | 7.4% above |
| 200 week MA | $47.7 | 29% above |
HBCP 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.
HBCP Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $38.8 | $28.8 | -26% |
| 2021 | $28.8 | $41.9 | +46% |
| 2022 | $41.9 | $40.8 | -2.5% |
| 2023 | $40.8 | $42.0 | +3% |
| 2024 | $42.0 | $46.1 | +9.8% |
| 2025 | $46.1 | $59.4 | +29% |
| 2026 YTD | $59.4 | $61.6 | +3.8% |
HBCP 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.