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Income Opportunity Realty Investors, Inc.

IOR Financial Mortgage Finance

EPS: −29.2%
Free cash flow: +155.6%

Quarter to June 2026, against a year earlier

18.52 0.00 0.00%

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Market cap: $72.7M
P/E: 20.1×
Fwd P/E: 13.8×
Dividend yield: —
F-score: n/a
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview

Insider Decisions last twelve months

Bought, $m 0.43

Trades a month
	Jan 26			Apr 26			Jul 26			Oct 26
Buy	1	—	1	—	1	1	1	—	—	—	—	—
Sell	—	—	—	—	—	—	—	—	—	—	—	—

Insider Ownership 91.88%

Capital & Financial Ratios $m

Size

Market Cap 72.74

Revenue ttm 0.64

Net income ttm 3.72

Free cash flow ttm (0.27)

Net debt Q (0.03)

Valuation

P/E 20.13

Forward P/E 13.80

Price / sales 117.84

Forward P/S Powerpack

Price / FCF 3.57

Price / book 0.59

Financial health

Current ratio Q 31,909.00

Debt / equity Q 0.00

Interest coverage Q (0.17)

Growth

Revenue growth Q +534.29%

Operating income growth Q 0.00%

EPS, this year —

EPS, next year A —

Revenue, next year A —

EPS, past 5 yrs −0.60%

EPS, next 5 yrs A —

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 89.32%

10-year low 10-year high

P/S against its own 10 years 92.23%

10-year low 10-year high

P/B against its own 10 years 86.79%

10-year low 10-year high

Dividends

Yield: —
Annual rate: —
Payout ratio: —

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	0	0	0	0
Receivables	107	111	115	117
Inventory	—	—	—	—
Other	—	—	—	—
	118	122	126	128

	2020	2021	2022	Q'26
Payables	0	0	0	0
ST’ Debt	—	—	—	—
Other	—	—	—	—
	0	0	0	0

Compound Annual Growth %

	10y	5y	3y
Sales	—	—	—
Cash Flow	0.00%	0.00%	0.00%
Earnings	10.29%	(1.09%)	0.50%
Book Value	4.09%	3.81%	3.99%

EPS $

	Mar	Jun	Sep	Dec	Year
’26	0.25	0.17	—	—	—
’25	0.24	0.24	0.25	0.25	0.98
’24	0.29	0.28	0.29	0.27	1.14
’23	0.25	0.44	0.39	0.60	1.68
’22	0.15	0.20	0.29	0.30	0.94
’21	0.32	0.20	0.17	0.17	0.86
’20	0.20	0.30	0.18	0.32	1.01

Fiscal quarters ending in the months shown.

Revenue $m

	Year

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	0	0	—	—	—
’25	0	0	0	0	0
’24	1	0	0	0	1
’23	0	0	0	1	1
’22	0	0	0	0	0
’21	(3)	0	0	0	(3)
’20	1	1	1	(3)	0

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	0	0	—	—	—
’25	0	0	0	0	0
’24	1	0	0	0	1
’23	0	0	0	1	1
’22	0	0	0	0	0
’21	(3)	0	0	0	(3)
’20	1	1	1	(3)	0

Fiscal quarters ending in the months shown.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	TTM Jun ’26	Trend	10 yrs	2026e	2027e	2028e	Next 3/yr
													Ten-year view		Analyst estimates Powerpack
Income, $m
Income, $m	Revenue	—	—	—	—	—	—	—	—	—	—	1		—	—	—	—	—
	Gross margin, %	—	—	0.00	—	0.00	—	—	—	—	—	0.00		0.0 pt	Powerpack Income Opportunity Realty Investors, Inc.’s next three years, line by line See the consensus for every other line: earnings, margins, cash flow, valuation and returns. Unlock estimates Try Powerpack free for 7 days, then $99 / year ($8.25 a month). Cancel any time. Also in Powerpack: every quarter, Excel exports, API & MCP access. Compare plans
	EBT	3	3	10	5	5	5	5	9	6	5	5		+5.2%
	EBT margin, %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00		0.0 pt
	Net income	2	2	8	4	4	4	4	7	5	4	4		+7.5%
Per share, $
Per share, $	Revenue	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00		n/m
	Earnings	0.50	0.36	1.97	0.99	1.01	0.86	0.94	1.68	1.14	0.98	0.92		+7.8%
	Cash flow	0.83	0.67	0.39	0.00	0.00	(0.71)	0.00	0.23	0.17	(0.02)	(0.07)		n/m
	Capex	0.00	0.00	5.41	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00		n/m
	Free cash flow	0.83	0.67	5.80	0.00	0.00	(0.71)	0.00	0.23	0.17	(0.02)	(0.07)		n/m
	Book value	20.72	21.09	23.06	24.05	25.06	25.92	26.87	28.37	29.88	30.97	31.39		+4.6%
	Shares, m	4	4	4	4	4	4	4	4	4	4	4		(0.3%)
Valuation, ×
Valuation, ×	P/E	—	—	5.42	—	11.34	—	—	—	—	—	20.13		8.4
	P/S	—	—	0.00	—	73.97	—	—	—	—	—	117.84		37.0
	P/B	—	—	0.46	—	0.45	—	—	—	—	—	0.59		0.5
	EV/Sales	—	—	0.00	—	73.95	—	—	—	—	—	—		37.0
	EV/FCF	—	—	1.94	—	2.21	—	—	—	—	—	—		2.1
Cash, $m
Cash, $m	Operating cash flow	3	3	2	0	0	(3)	0	1	1	0	0		n/m
	Capex	—	—	23	—	—	—	—	—	—	—	21		—
	Free cash flow	3	3	24	0	0	(3)	0	1	1	0	0		n/m
Balance, $m
Balance, $m	Working capital	61	64	96	100	104	108	112	118	122	126	128		+8.3%
	Net debt	0	0	0	0	0	0	0	0	0	0	0		+22.0%
	Shareholders’ equity	86	88	96	100	104	108	112	118	122	126	128		+4.3%
Returns, %
Returns, %	ROA	2.44	1.73	8.92	4.22	4.12	3.39	3.57	6.09	3.88	3.22	2.96		+0.8 pt
	ROIC	(0.93)	(0.96)	(1.18)	(0.99)	(0.95)	(0.91)	(0.91)	(0.77)	(0.21)	(0.19)	(0.19)		+0.7 pt
	ROE	2.44	1.73	8.92	4.22	4.12	3.39	3.57	6.09	3.88	3.22	2.96		+0.8 pt
People
People	Employees	—	—	—	—	—	—	—	—	—	—	—		—
	Revenue/emp, $m	—	—	0.00	—	0.00	—	—	—	—	—	—		n/m

Negative figures in brackets.

estimates

All 10 years →

Latest quarter Jun 2010

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
VEL Velocity Financial, Inc.	$689.0M	6.3×	12.1×	+34.05% (above 0%: growing)	+3.03% (above 0%: growing)	−152.77% (below 0%: shrinking)	0.00%	0.00%	Compare
BETR Better Home & Finance Holding Company	$360.6M	— (loss-making)	— (loss-making)	+25.81% (above 0%: growing)	n/m	+136.12% (above 0%: growing)	89.80%	0.00%	Compare
ONIT Onity Group Inc.	$269.2M	2.0×	13.2×	−0.78% (below 0%: shrinking)	−80.82% (below 0%: shrinking)	+306.19% (above 0%: growing)	100.00%	0.00%	Compare
LDI loanDepot, Inc.	$211.5M	— (loss-making)	— (loss-making)	+19.39% (above 0%: growing)	n/m	+589.11% (above 0%: growing)	87.77%	10.45%	Compare
GHI Greystone Housing Impact Investors LP	$103.1M	— (loss-making)	3.2×	−7.10% (below 0%: shrinking)	n/m	−92.85% (below 0%: shrinking)	93.66%	60.90%	Compare
IOR Income Opportunity Realty Investors, Inc.	$72.7M	20.1×	13.8×	+534.29% (above 0%: growing)	−29.17% (below 0%: shrinking)	+155.56% (above 0%: growing)	0.00%	0.00%
BLNE Beeline Holdings, Inc.	$21.2M	— (loss-making)	6.1×	+56.62% (above 0%: growing)	n/m	+146.53% (above 0%: growing)	100.00%	(171.05%)	Compare
PTIV Pineapple Financial Inc.	$19.2M	— (loss-making)	— (loss-making)	−16.66% (below 0%: shrinking)	n/m	−914.00% (below 0%: shrinking)	100.00%	4,077.43%	Compare
CNF CNFinance Holdings Limited Sponsored ADR	$13.7M	0.6×	5.6×	−28.23% (below 0%: shrinking)	−28.49% (below 0%: shrinking)	−137.50% (below 0%: shrinking)	57.90%	0.00%	Compare
Median of peers	$157.3M	2.0×	6.1×	+9.31%	−28.49%	+21.64%	91.73%	0.00%

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