IREN
IREN Limited
There isn't enough reported data to score IREN yet.
UMBF
UMB Financial Corporation
UMBF's fundamentals are strong: revenue grew 27% and its operating margin rose 11 points to 43%. At 10x earnings, it's trading below its usual 12x. 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.
UMBF Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
UMBF's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like UMBF.
IREN PE Valuation
IREN has no meaningful PE right now: it lost money over the past year.
UMBF PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 9.7x | $133 | — |
| Cheap | 10x | $135 | +0.9% |
| Current | 10x | $133 | — |
| Fair | 12x | $160 | +20% |
| Expensive | 14x | $188 | +41% |
Historical ranges are pointers, not guarantees.
UMBF's PE is in its cheap range at 10x. On analysts' estimates for next year's earnings, today's price would be 9.7x.
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.
UMBF Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| High |
UMBF 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.
UMBF Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $13.71 | +2.5% |
| Q3 2026 | $13.37 | +51% |
| Q2 2026 | $12.17 | +40% |
| Q1 2026 | $11.43 | +44% |
| Q4 2025 | $9.29 | +3.3% |
| Q3 2025 | $8.83 | +10% |
| Q2 2025 | $8.70 | +12% |
| Q1 2025 | $7.95 | +5.6% |
| Q4 2024 | $8.99 | +25% |
UMBF 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.
UMBF Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $772.4M | +14% |
| Q2 2026 | $778M | +13% |
| Q1 2026 | $739.2M | +31% |
| Q4 2025 | $720.9M | +66% |
| Q3 2025 | $678.3M | +67% |
| Q2 2025 | $689.2M | +77% |
| Q1 2025 | $563.8M | +41% |
| Q4 2024 | $434.2M | +17% |
UMBF's revenue has grown year over year for 12 quarters in a row: $772M last quarter, up 14% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 44% | +9.4 points |
| Q2 2026 | 45% | +5.1 points |
| Q1 2026 | 45% | +28 points |
| Q4 2025 | 38% | +4.1 points |
| Q3 2025 | 35% | +1.5 points |
| Q2 2025 | 40% | +7.4 points |
| Q1 2025 | 17% | -17 points |
| Q4 2024 | 33% | +12 points |
UMBF 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.
UMBF Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $358.9M | +39% |
| Q2 2026 | $330.8M | +22% |
| Q1 2026 | $356.8M | +0.7% |
| Q4 2025 | $95.3M | +$172.4M |
| Q3 2025 | $257.8M | +119% |
| Q2 2025 | $270.8M | +154% |
| Q1 2025 | $354.2M | +559% |
| Q4 2024 | -$77.1M | -195% |
UMBF 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 | — |
UMBF Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.1% | +112K shares |
| 1 year | +0.2% | +137K shares |
| 3 years | +57% | +27.8M shares |
| 5 years | +57% | +27.8M shares |
| Available history | +56% | +27.4M shares |
UMBF has the edge over IREN on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | $5.1M |
| Q1 2026 | $32.8M |
| Q4 2025 | $79,000 |
| Q3 2025 | $1.8M |
| Q2 2025 | $290,000 |
| Q1 2025 | $15.4M |
| Q4 2024 | — |
UMBF spent $38M buying back its own shares over the past year, up 116% from the year before.
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.
UMBF Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -3.0x | Net Cash |
| Q2 2026 | -3.9x | Net Cash |
| Q1 2026 | -4.6x | Net Cash |
| Q4 2025 | -7.2x | Net Cash |
| Q3 2025 | -9.7x | Net Cash |
| Q2 2025 | -13.9x | Net Cash |
| Q1 2025 | -17.5x | Net Cash |
| Q4 2024 | -13.6x | Net Cash |
UMBF has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like UMBF.
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).
UMBF Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 48.3 | Neutral |
| Stochastic | 30.0 | Neutral |
UMBF's weekly RSI is 48 (neutral) and its Stochastic is 30 (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.
UMBF PE vs Financial Services Sector
| Metric | UMBF | Sector median | Relative |
|---|---|---|---|
| PE | 10x | 13x | 23% below |
| PE % | 15 | 63 | 48 pts below |
UMBF is trading at 10x earnings, a 23% discount to 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.
UMBF Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $133.2 | 0.2% above |
| 20 week MA | $139.6 | 4.4% below |
| 50 week MA | $129.9 | 2.8% above |
| 100 week MA | $119.4 | 12% above |
| 200 week MA | $100.2 | 33% above |
UMBF 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.
UMBF Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $68.8 | $69.2 | +0.5% |
| 2021 | $69.2 | $105.2 | +52% |
| 2022 | $105.2 | $82.2 | -22% |
| 2023 | $82.2 | $83.6 | +1.7% |
| 2024 | $83.6 | $113.7 | +36% |
| 2025 | $113.7 | $118.9 | +4.6% |
| 2026 YTD | $118.9 | $133.5 | +12% |
UMBF has the edge over IREN on returns for 2026, with the stronger performance.