IREN
IREN Limited
There isn't enough reported data to score IREN yet.
PFIS
Peoples Financial Services Corp.
PFIS's fundamentals are strong, but it looks expensive: trading at 12x earnings, above its usual 10x. Analysts expect earnings growth.
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.
PFIS Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
PFIS's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like PFIS.
IREN PE Valuation
IREN has no meaningful PE right now: it lost money over the past year.
PFIS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.7x | $52.85 | -27% |
| Fair | 10x | $62.18 | -15% |
| Forward | 10x | $72.85 | — |
| Current | 12x | $72.85 | — |
| Expensive | 15x | $90.52 | +24% |
Historical ranges are pointers, not guarantees.
PFIS's PE is in its expensive range at 12x. If earnings grow as analysts expect, today's price would be 10x next year's earnings, in its fair range.
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.
PFIS Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| High |
PFIS has the edge over IREN on the outlook, with more favorable earnings expectations.
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.
PFIS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $7.19 | +19% |
| Q3 2026 | $6.05 | +17% |
| Q2 2026 | $5.66 | +76% |
| Q1 2026 | $5.86 | +194% |
| Q4 2025 | $5.88 | +494% |
| Q3 2025 | $5.15 | +395% |
| Q2 2025 | $3.21 | +33% |
| Q1 2025 | $1.99 | -39% |
| Q4 2024 | $0.99 | -74% |
PFIS has the edge over IREN on earnings quality, reporting a profit while its opponent remains loss making.
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.
PFIS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $53M | +13% |
| Q2 2026 | $52.1M | +7.6% |
| Q1 2026 | $49.8M | +8.6% |
| Q4 2025 | $46.8M | +5.8% |
| Q3 2025 | $46.7M | +3.8% |
| Q2 2025 | $48.4M | +116% |
| Q1 2025 | $45.8M | +102% |
| Q4 2024 | $44.2M | +88% |
PFIS's revenue has grown year over year for nine quarters in a row: $53M last quarter, up 13% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 42% | +1.9 points |
| Q2 2026 | 35% | -6.8 points |
| Q1 2026 | 37% | -2.6 points |
| Q4 2025 | 31% | +18 points |
| Q3 2025 | 40% | +52 points |
| Q2 2025 | 42% | +26 points |
| Q1 2025 | 40% | +23 points |
| Q4 2024 | 13% | -4.8 points |
PFIS has the edge over IREN on profitability, with a higher operating margin.
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.
PFIS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $13.6M | +4% |
| Q2 2026 | $12.2M | +43% |
| Q1 2026 | $6.5M | -24% |
| Q4 2025 | $13.2M | +133% |
| Q3 2025 | $13M | -39% |
| Q2 2025 | $8.5M | +534% |
| Q1 2025 | $8.6M | +185% |
| Q4 2024 | $5.7M | -35% |
PFIS has the edge over IREN on cash generation, producing positive trailing cash flow while its opponent burns cash.
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 | — |
PFIS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.1% | +14.2K shares |
| 1 year | -0.4% | -36.7K shares |
| 3 years | +41% | +2.9M shares |
| 5 years | +39% | +2.8M shares |
| Available history | +36% | +2.7M shares |
PFIS has the edge over IREN on shareholder dilution, with a more favorable share count trend.
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.
PFIS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 0.3x | Very low |
| Q2 2026 | 1.3x | Healthy |
| Q1 2026 | 2.7x | Moderate |
| Q4 2025 | 0.8x | Very low |
| Q3 2025 | 1.5x | Healthy |
| Q2 2025 | 2.3x | Moderate |
| Q1 2025 | -0.5x | Net Cash |
| Q4 2024 | 0.2x | Very low |
PFIS's net debt is less than a year of its operating earnings (EBITDA), down from 1.5 years a year ago. Net leverage isn't a meaningful measure for financial services companies like PFIS.
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).
PFIS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 67.1 | Neutral |
| Stochastic | 63.2 | Neutral |
PFIS's weekly RSI is 67 (neutral) and its Stochastic is 63 (neutral).
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.
PFIS PE vs Financial Services Sector
| Metric | PFIS | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 7.5% below |
| PE % | 71 | 63 | 8 pts above |
PFIS is trading at 12x earnings, in line with the Financial Services sector's median of 13x.
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.
PFIS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $70.1 | 3.9% above |
| 20 week MA | $70.0 | 4.1% above |
| 50 week MA | $61.1 | 19% above |
| 100 week MA | $54.8 | 33% above |
| 200 week MA | $49.6 | 47% above |
PFIS has the edge over IREN on trend strength, trading above more of its moving averages.
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.
PFIS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $50.0 | $37.2 | -26% |
| 2021 | $37.2 | $52.6 | +42% |
| 2022 | $52.6 | $51.2 | -2.8% |
| 2023 | $51.2 | $48.7 | -4.8% |
| 2024 | $48.7 | $51.1 | +4.9% |
| 2025 | $51.1 | $49.6 | -3% |
| 2026 YTD | $49.6 | $72.9 | +47% |
PFIS has the edge over IREN on returns for 2026, with the stronger performance.