Income Opportunity Realty Investors

IOR

Financial - Mortgages · Financial Services

Price

$20.75

+0.40 (+1.96%)

Market Cap

$84.4M

Exchange

New York Stock Exchange American

Winston Score

Winston is serious

Below-average fundamentals — multiple weak pillars.

Share count falling — buybacks

−2.4% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 4.2M (2021) → 4.1M (2025)

Income Opportunity Realty Investors, Inc. is a small real estate investment trust (REIT) based in the United States. It focuses on investing in real estate mortgages and properties, primarily earning returns from mortgage loans and real estate holdings. The company is externally managed and operates in the niche corner of the financial services sector that deals with real estate-backed income.

The company makes money mainly through interest income on mortgage loans and income from owned properties. It is a very small firm, with a market cap around $100 million, and its operations are concentrated in the U.S. Because it is externally managed, it relies on its advisor for day-to-day decisions, which can create conflicts of interest. The main risk the company faces is its very low return on invested capital, which suggests the portfolio is not generating strong returns relative to its size, leaving limited room for meaningful growth.

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+2.2% YoY

YoY Growth Rate

Slow revenue growth

EPS Growth

+4.2% YoY

YoY Growth Rate

Slow EPS growth

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

91.8%ownership

Insiders own a meaningful stake in the company

Cash Runway

~0 months

$4,000 cash & investments

Short runway — potential dilution ahead through share issuance

Cash watch

Income Opportunity Realty Investors has less than a year of cash at its current burn rate. Growth investors should watch for potential share dilution from future fundraising — that directly reduces your ownership.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Gross Margin

100.0%

Premium pricing power — 100.0% gross margin

Operating Margin

-7.0%

Losing money on operations — -7.0%

ROCE

-0.1%

Weak — -0.1% return on capital

Negative ROIC means the business is losing money on every dollar invested in it.

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Growth

Sales YoY

-9.9%

Shrinking sales (-9.9% YoY)

EPS YoY

-9.3%

Earnings shrinking (-9.3% YoY)

Slight earnings drop. Typical near a cyclical low.

EPS Consistency

2/8 quarters

Earnings rarely grow — volatile business

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Cash Flow

Cash Conversion

-8%

Weak — only -8% of profit becomes cash

FCF Margin

-6.2%

Burning cash (-6.2%)

Free cash flow is negative. They are burning cash, not generating it.

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Stability

Debt / Equity

N/A

Data not available

Interest Cover

100.00x

—

Comfortably covers interest (100.0x)

Interest coverage above 8. Profits cover interest many times over.

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Valuation

P/E Ratio (TTM)

21.2x

Growth-priced — P/E 21.2

P/E above the market average. People are paying up for expected growth.

P/E vs Forward

N/A

not available

Data not available

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Dividends

Not applicable for this business.

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