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Income Opportunity Realty Investors (IOR) fair value: what the stock is really worth

As of Nov 3, 2026: fair value (intrinsic value) of Income Opportunity Realty Investors stock $12.76, price $18.52, that is 31.1% below the price, quality 58 out of 100. Rating: overvalued. Calculated from audited financials with 5 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US

IO Income Opportunity Realty Investors logo Some data Nov 8, 2026

Income Opportunity Realty Investors

IOR · US
Solid, but expensive

Our calculation puts a fair price 31% below what the stock costs today.

Highly profitable · 73.4% net margin (FY2025)
Low debt
Quality 58/100
Mixed vs. peers (5/11)
Moderate moat 47/100 · thin data
Some data
Fair value $12.76 · Overvalued (−31.1%)
Weak Growth (revenue 3y −6.3 %/yr in USD)
Negative free cash flow
⚠ Small free float
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$21.50 $10.58 Fair Value $12.76 Dec 2020 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.

How to read this chart

60‑month range $10.58 – $21.50 · fair‑value band $9.57 – $15.95 · the $18.52 price screens above the $12.76 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 1 fiscal year is left out: there the valuation rested on only a fraction of the usual models. As of Nov 8, 2026.

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Company profile

Income Opportunity Realty Investors, Inc., a Dallas-based real estate investment company, currently holds a portfolio of notes receivable. The Company invests in real estate through direct equity ownership and partnerships.

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Income Opportunity Realty Investors, Inc. was incorporated in 1984 in Nevada, USA.

Stock analysis

Income Opportunity Realty Investors (IOR) currently trades at $18.52, while our model-based Fair Value estimate is $12.76, 31% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Asset-Based group reads highest at a median of $28.24 per share, and 2 of the 5 models we run sit above the $18.52 price.

Bear case: the Earnings-Based group reads lowest at $8.16, and 3 of the 5 models stay below the price. Data coverage for this calculation is medium.

Scenario range: $9.57 (bear) to $15.95 (bull), the price of $18.52 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 58/100 (solid quality), in the Financial Services sector.

Weak Growth: Revenue is shrinking: the last year, the last three and the last five years are all negative.

Income Opportunity Realty Investors reported revenue of $5.4M in FY2025 versus $5.0M in FY2021, a compound +2.3%/yr. Reported net income was $4.0M in FY2025, compounding +2.6%/yr from FY2021.

Key figures

Market cap $75.3M Micro · P/E ratio 20.4 · P/S ratio 14.9 · EPS (TTM) $0.9100 · Net margin 73.4% · Return on equity 3.0% · Return on assets (EBIT) −1.0% (5-year average) · EPS growth (YoY) −29.1%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 47 out of 100 (low confidence).

What moves the price

The share trades about 14% below its 52-week high and 9% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at 16% fair-value upside, at −31%, IOR screens richer than that median.

Fair Value models

Bear $9.57 Fair Value $12.76 Bull $15.95
Price $18.52 · Downside -31.1%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($0.7779 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $19.66 $19.86 $20.51 71
Graham-Dodd $6.67 $8.16 $9.17 67
P/E Multiple $9.57 $12.76 $15.95 63
All 5 models by family
Earnings-Based
Graham-Dodd $6.67 $8.16 $9.17 67
Multiples
P/E Multiple $9.57 $12.76 $15.95 63
P/B Multiple $10.87 $14.49 $18.12 55
Asset-Based
NCAV (Graham) $18.64 $28.24 $35.30 54
Economic Profit
Residual Income $19.66 $19.86 $20.51 71

Open the full fair value analysis →

Quality Score breakdown

Overall quality 58/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 33
How much profit the company makes from its sales and capital
Quality Growth 37
Are margins and returns getting better?
Cashflow 41
Do the profits arrive as real cash?
Financial strength 67
Debt, balance sheet and risk of trouble
Investment 87
Does it invest with discipline instead of growing at any price?
Low Volatility 83
How calm the share price moves, does not count
Price momentum 36
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 36
Distance to the 52-week high, does not count
New shares 86
Buys back shares or issues new ones?

Open the full quality analysis →

Insider trades

In the last 6 months, no officer or director bought or sold shares on the open market.

  • BuyTRANSCONTINENTAL REALTY INVESTORS INC10% owner6× since Dec 1, 2025: 25,473 shares, avg. $17.82$453,902Jun 23, 2026

Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.

Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 6/100
Revenue is shrinking: the last year, the last three and the last five years are all negative.
Revenue growth 1 year
−13.7%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−6.3%
Revenue growth 38 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−1.7%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
−0.2%
Earnings growth per share plus dividend.
Earnings per share, growth per year−0.2%
Dividend (yield on the price)0.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−0.2% vs 10.1%, slowing
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.−206,901% → −7%
Pace: the 5-year rate starts in 2020 (pandemic)

IOR screens overvalued: fair value 31% below the price. Compare with Rocket Companies, Inc →

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Mortgage Finance · 49 stocks

Beats the industry median on 4/10 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 58 · Above median
Fair Value upside −31.1% · Below median
Profitability
Return on equity (12 months) 3.0% · Bottom 25%
Return on assets 3.2% · Above median
Net margin (12 months) 73.4% · Top 25%
Operating margin (12 months) 0.0% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) 0.0% · Below median

Valuation Multiplesvs Mortgage Finance median · lower = cheaper

P/E (12 months) 20.4× · Priciest 25%
P/B 0.60× · Cheaper than median
EV/EBITDA 14.9× · Pricier than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 56
FUTURE (revenue growth)0 · sector 31
PAST (return on equity)12 · sector 37
HEALTH (low debt)100 · sector 0
DIVIDEND (yield)0 · sector 100

VALUE 0: the price sits above our fair-value range.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Mortgage Finance stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
LIC Housing Finance Limited LICHSGFIN ₹536.00 ₹1,040 +94% vs IOR
PennyMac Financial Services, Inc PFSI $65.59 $125.39 +91% vs IOR
Can Fin Homes Limited CANFINHOME ₹748.95 ₹1,060 +42% vs IOR
PNB Housing Finance Limited PNBHOUSING ₹1,100 ₹1,329 +21% vs IOR
Aadhar Housing Finance Limited AADHARHFC ₹429.65 ₹497.00 +16% vs IOR
Walker & Dunlop, Inc WD $39.05 $32.26 −17% vs IOR
Bajaj Housing Finance Limited BAJAJHFL ₹80.00 ₹39.96 −50% vs IOR
Home First Finance Company HOMEFIRST ₹1,091 ₹226.97 −79% vs IOR
UWM Holdings UWMC $1.52 $0.2200 −86% vs IOR
Rocket Companies, Inc RKT $15.06 $1.79 −88% vs IOR

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Income Opportunity Realty Investors: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Income Opportunity Realty Investors Fair Value". https://www.fairvalue-calculator.com/stock/IOR

Frequently asked questions

Is Income Opportunity Realty Investors (IOR) overvalued or undervalued?
As of Nov 8, 2026, our model estimates a fair value of $12.76 versus a price of $18.52, about 31% lower (overvalued).
What is the fair value of IOR?
Our model-based fair value for Income Opportunity Realty Investors is $12.76 (as of Nov 8, 2026), built from audited fundamentals. The current price: $18.52.
What is the quality score of IOR?
Income Opportunity Realty Investors has a Quality Score of 58/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Income Opportunity Realty Investors (IOR)?
Our model-based price target is the fair value of $12.76 (as of Nov 8, 2026) from 5 valuation models. Cautious scenario $9.57, optimistic scenario $15.95. It is a calculation from audited fundamentals, not an analyst target.
What is the Income Opportunity Realty Investors stock forecast for 2026?
Our models put fair value at $12.76, about 31% lower versus a price of $18.52 (overvalued). Cautious scenario $9.57, optimistic scenario $15.95. The calculation is refreshed regularly with new filings.
What is the intrinsic value of Income Opportunity Realty Investors (IOR)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Income Opportunity Realty Investors it is $12.76 per share (as of Nov 8, 2026), against a price of $18.52. It is the blended result of 5 valuation models in 4 families (Earnings-Based, Multiples, Asset-Based, Economic Profit).
Is Income Opportunity Realty Investors stock overvalued or undervalued in 2026?
As of Nov 8, 2026, IOR trades above its calculated fair value: price $18.52, fair value $12.76, a gap of about −31% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of IOR?
No. The price is what the market pays today ($18.52); the fair value is what the company's own numbers justify ($12.76). For Income Opportunity Realty Investors the two are $5.76 per share apart. That gap is exactly why we show both numbers side by side.
How much is Income Opportunity Realty Investors worth?
The market values Income Opportunity Realty Investors at about $75.3M (market capitalisation, as of Nov 8, 2026). Per share that is $18.52; our models calculate a fair value of $12.76 per share.
What do the bullish and bearish scenarios say about IOR?
Our models span a range for Income Opportunity Realty Investors: cautious scenario $9.57, base $12.76, optimistic $15.95 per share (as of Nov 8, 2026, price $18.52). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of IOR?
Income Opportunity Realty Investors trades at a price-to-earnings ratio of 20.4 (as of Nov 8, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $12.76 is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings: 13.6. Other multiples: P/B 0.6, EV/EBITDA 14.9.
How solid is the balance sheet of Income Opportunity Realty Investors (IOR)?
Balance-sheet figures for Income Opportunity Realty Investors (as of Nov 8, 2026): return on equity 3.0%. They feed the Quality Score of 58/100, which measures business quality independently of the share price.
How far is IOR from its 52-week high?
Income Opportunity Realty Investors trades at $18.52, about 14% below its 52-week high of $21.50 and 9% above the low of $17.00 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $12.76 is for.
Which stocks are comparable to Income Opportunity Realty Investors?
From the same area (Financial Services) we also value Rocket Companies, Inc, Bajaj Housing Finance Limited, PennyMac Financial Services, Inc, LIC Housing Finance Limited, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Income Opportunity Realty Investors stock attractive at the current price?
The data as of Nov 8, 2026: price $18.52, calculated fair value $12.76 (−31%), Quality Score 58/100, from 5 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of IOR calculated?
We run Income Opportunity Realty Investors through 5 models from 4 families: Earnings-Based, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $12.76 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.0% above its aggregate fair value. Income Opportunity Realty Investors itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Income Opportunity Realty Investors (IOR)?
The closing price on Nov 3, 2026 was $18.52. Our model-based fair value is $12.76, about 31% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Income Opportunity Realty Investors right now?
The price sits above even our optimistic bull case ($15.95). The favourable scenario is already priced in. Solid but not exceptional quality (58/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of Income Opportunity Realty Investors

How large is the market capitalisation of Income Opportunity Realty Investors (IOR)?
The market capitalisation of Income Opportunity Realty Investors is $75.3M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Income Opportunity Realty Investors (IOR)?
The price-to-sales ratio of Income Opportunity Realty Investors is 14.9 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Income Opportunity Realty Investors (IOR)?
Earnings per share at Income Opportunity Realty Investors are $0.9100 (price ÷ EPS = P/E 20.4). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Income Opportunity Realty Investors (IOR)?
The net margin of Income Opportunity Realty Investors is 73.4% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Income Opportunity Realty Investors (IOR)?
The return on equity (ROE) of Income Opportunity Realty Investors is 3.0% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Income Opportunity Realty Investors (IOR)?
On an EBIT basis the return on assets of Income Opportunity Realty Investors is −1.0% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
How fast are earnings growing at Income Opportunity Realty Investors (IOR)?
Earnings per share at Income Opportunity Realty Investors are growing −29.1% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Income Opportunity Realty Investors (IOR) generate?
The free cash flow of Income Opportunity Realty Investors is −$77.0K (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Income Opportunity Realty Investors (IOR) hold?
Income Opportunity Realty Investors holds more cash than debt, $6.0K net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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