Income Opportunity Realty Investors (IOR) AI Stock Analysis

• Market Cap: $79.17M
• Dividend Yield: N/A
• Average Volume (3M): 86.00
• Price to Earnings (P/E): 18.8
• Beta (1Y): 0.26
• Revenue Growth: N/A
• EPS Growth: -30.69%
• Country: US
• Employees: N/A
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Mortgages
• EPS (TTM): 0.25
• Shares Outstanding: 4,066,178
• 10 Day Avg. Volume: 52
• 30 Day Avg. Volume: 86
• PEG Ratio: -0.49
• Price to Book (P/B): 0.60
• Price to Sales (P/S): 11.66
• P/FCF Ratio: 103.00
• Enterprise Value/Market Cap: 0.97
• Enterprise Value/Revenue: 13.62
• Enterprise Value/Gross Profit: 13.62
• Enterprise Value/Ebitda: 14.63
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 63 Neutral
• Price Target: $20.00 ▲(8.40% Upside)
• Action: Reiterated Date: 12/30/25
• Date: Action: Reiterated 12/30/25

The score is driven primarily by strong solvency (no debt) but is held back by weaker recent operating quality and cash conversion (negative EBIT and slightly negative TTM operating/free cash flow). Technicals are mildly supportive with neutral momentum, while valuation appears mid-range without a dividend yield to bolster returns.

Positive Factors

Strong Balance Sheet

A strong balance sheet with no debt indicates low financial risk and financial stability, providing a solid foundation for future growth opportunities.

Cash Flow Stability

Stable cash flows ensure operational efficiency and the ability to meet financial obligations, supporting long-term sustainability and potential reinvestment in growth.

Operational Efficiency

A solid cash flow to net income ratio reflects efficient operations, allowing the company to convert income into cash effectively, crucial for sustaining business activities.

Negative Factors

Lack of Revenue Growth

The absence of revenue growth is concerning as it indicates potential challenges in market expansion and competitiveness, which could affect long-term profitability.

Declining Cash Flows

Declining cash flows may limit the company's ability to invest in new opportunities and maintain financial flexibility, impacting future growth and operational capacity.

Operational Inefficiencies

Operational inefficiencies, as indicated by zero revenue, suggest challenges in effectively managing and growing the business, which could hinder long-term success.

Income Opportunity Realty Investors Business Overview & Revenue Model

Company Description

Income Opportunity Realty Investors, Inc., a Dallas-based real estate investment company, holds a portfolio of equity real estate in Texas, including undeveloped land. The Company invests in real estate through direct equity ownership and partnerships. For more information, visit the Company's website at www.incomeopp-realty.com.

How the Company Makes Money

Income Opportunity Realty Investors makes money through the rental income generated from its portfolio of real estate properties. This includes both residential and commercial properties, where tenants pay rent on a regular basis. Additionally, the company may earn revenue through property sales, capitalizing on appreciated property values. IOR may also engage in strategic partnerships and joint ventures to enhance its property acquisition and management capabilities, thus maximizing its revenue potential. The company's earnings are significantly influenced by factors such as property market conditions, occupancy rates, and effective property management strategies.

Income Opportunity Realty Investors Financial Statement Overview

Summary

Balance sheet strength (no debt and steadily rising equity) is a major positive, but recent fundamentals are mixed: TTM revenue is down (-3.8%), EBIT is negative (raising earnings-quality concerns versus near-100% net margin), and TTM operating/free cash flow are slightly negative after prior positive years.

Income Statement

TTM (Trailing-Twelve-Months) revenue is down (-3.8%), extending a generally uneven top-line trend versus prior years. Profitability looks optically strong on net income (TTM net margin ~98%), but operating profitability is inconsistent: EBIT is negative in the TTM period and across multiple annual periods, suggesting earnings are being driven by non-operating items rather than core operations. EBITDA margins appear high in some periods, but the mixed relationship between EBITDA, EBIT, and net income reduces confidence in the underlying earnings quality.

Balance Sheet

The balance sheet is a clear strength: total debt is reported at zero across periods, resulting in no financial leverage pressure and strong solvency. Equity has steadily increased over time (roughly $104M in 2020 to ~$125M in TTM), indicating balance-sheet stability. Returns on equity are positive but modest (about 3%–6% historically; ~3.3% TTM), which is solid for capital preservation but not strong for value creation.

Cash Flow

Cash generation is the main weak spot. TTM (Trailing-Twelve-Months) operating cash flow and free cash flow are slightly negative, a sharp reversal from positive cash flow in 2022–2024 and strong inflows in 2020. The large negative free-cash-flow growth in the TTM period highlights volatility and weak cash conversion in the most recent period, which matters because it limits internally funded flexibility despite reported net income.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	5.61M	6.30M	10.07M	6.60M	4.95M	5.37M
Gross Profit	5.61M	6.30M	10.07M	6.60M	4.95M	5.37M
EBITDA	5.22M	5.89M	8.61M	4.98M	3.38M	3.78M
Net Income	4.13M	4.65M	7.00M	3.93M	3.60M	4.21M
Balance Sheet
Total Assets	124.94M	121.93M	118.08M	111.99M	108.07M	104.47M
Cash, Cash Equivalents and Short-Term Investments	6.00K	9.00K	71.00K	6.00K	2.00K	12.00K
Total Debt	0.00	0.00	0.00	0.00	0.00	0.00
Total Liabilities	4.00K	0.00	0.00	4.00K	12.00K	12.00K
Stockholders Equity	124.94M	121.93M	118.08M	111.98M	108.05M	104.46M
Cash Flow
Free Cash Flow	-82.00K	713.00K	973.00K	4.00K	-2.98M	4.31M
Operating Cash Flow	-82.00K	713.00K	973.00K	4.00K	-2.98M	4.31M
Investing Cash Flow	74.00K	27.00K	0.00	0.00	2.97M	-4.30M
Financing Cash Flow	0.00	-802.00K	-908.00K	0.00	0.00	0.00

Income Opportunity Realty Investors Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 18.45
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IOR, the sentiment is Positive. The current price of 18.45 is above the 20-day moving average (MA) of 18.41, above the 50-day MA of 18.44, and above the 200-day MA of 18.38, indicating a bullish trend. The MACD of 0.11 indicates Negative momentum. The RSI at 50.58 is Neutral, neither overbought nor oversold. The STOCH value of 61.31 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IOR.

Income Opportunity Realty Investors Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
VEL	72 Outperform	$765.55M	8.02	16.04%	―	36.73%	27.50%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
SNFCA	64 Neutral	$232.93M	12.36	5.23%	―	3.25%	-37.79%
IOR	63 Neutral	$79.17M	18.82	3.36%	―	―	-30.69%
GHI	62 Neutral	$187.48M	42.02	1.99%	18.74%	-12.56%	-69.72%
CNF	49 Neutral	$38.06M	―	―	―	―	―
PAPL	43 Neutral	$18.21M	-0.09	-322.20%	―	6.26%	50.57%

Income Opportunity Realty Investors Corporate Events

Income Opportunity Realty Investors Holds Annual Meeting

On December 10, 2025, Income Opportunity Realty Investors, Inc. held its Annual Meeting of Stockholders, where a quorum was established with 96.59% of shares represented. During the meeting, all nominated directors were elected, and the appointment of Farmer, Fuqua & Huff, P.C. as the independent public accounting firm for the fiscal year ending December 31, 2025, was ratified. The following day, December 11, 2025, Henry A. Butler was re-elected as Chairman of the Board, and Ted Munselle was re-appointed as the Presiding Director.