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IREN vs MA

IREN
IREN Limited
BEARISH
Price
$46.37
Market Cap
$13.79B
Sector
Financial Services
AI Confidence
65%
MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
IREN
26.65
MA
30.28
Forward P/E
IREN
136.38
MA
22.05
P/B Ratio
IREN
4.56
MA
57.74
P/S Ratio
IREN
20.03
MA
13.6
EV/EBITDA
IREN
56.34
MA
22.13

Profitability

Gross Margin
IREN
69.82%
MA
100.0%
Operating Margin
IREN
-25.02%
MA
57.73%
Profit Margin
IREN
75.99%
MA
45.65%
ROE
IREN
26.12%
MA
209.91%
ROA
IREN
-0.01%
MA
23.72%

Growth

Revenue Growth
IREN
355.4%
MA
17.6%
Earnings Growth
IREN
--
MA
24.2%

Financial Health

Debt/Equity
IREN
0.34
MA
2.56
Current Ratio
IREN
5.52
MA
1.03
Quick Ratio
IREN
5.24
MA
0.68

Dividends

Dividend Yield
IREN
--
MA
0.7%
Payout Ratio
IREN
0.0%
MA
18.4%

AI Verdict

IREN BEARISH

IREN Limited presents a deeply contradictory profile: explosive revenue growth of 355.4% YoY and a 3Y return of +1824.1% signal strong market momentum and potential disruption, yet fundamental red flags abound. The company reports a negative operating margin (-25.02%) and ROA of -0.01%, indicating severe profitability challenges despite a 75.99% profit margin—likely an accounting anomaly or non-operational gain. Valuation metrics are stretched, with a P/E of 26.65 and a Forward P/E of 136.38, far exceeding peers like BLK and SCHW, while insiders have sold $66.26M in shares recently, signaling concern at current levels. Analysts maintain a 'buy' recommendation with a $76.00 target, implying 64% upside, but the lack of earnings beats, negative operating leverage, and deteriorating price action (-31.8% over 1M) suggest significant risk in extrapolating recent performance.

Strengths
Exceptional revenue growth of 355.4% YoY, significantly outpacing sector average of 15.80%
High gross margin of 69.82%, indicating strong pricing power or low variable costs
Strong return on equity (ROE) of 26.12%, above sector average of 50.32% but inconsistent with other profitability metrics
Risks
Operating margin of -25.02% indicates core business operations are deeply unprofitable despite high gross and net margins
Forward P/E of 136.38 is extremely elevated, implying fragile growth expectations and high vulnerability to deceleration
Negative ROA of -0.01% suggests inefficient use of assets, conflicting with high ROE and raising balance sheet concerns
MA NEUTRAL

MA shows neutral fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Mixed signals with both opportunities and risks present.

Strengths
Strong profitability (45.6% margin)
Strong revenue growth of 17.6%
Strong ROE of 209.9%
Risks
High valuation with P/E of 30.3
Premium vs Graham Number ($56.68)
High debt burden with D/E of 2.56

Compare Another Pair

IREN vs MA: Head-to-Head Comparison

This page compares IREN Limited (IREN) and Mastercard Incorporated (MA) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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