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IMPAC MORTGAGE HOLDINGS INC (IMH) Stock Fundamental Analysis

USA - NYSEARCA:IMH - US45254P5089 - Common Stock

0.2249 USD
+0 (+2.23%)
Last: 4/26/2023, 8:04:00 PM
Fundamental Rating

2

Taking everything into account, IMH scores 2 out of 10 in our fundamental rating. IMH was compared to 99 industry peers in the Financial Services industry. While IMH seems to be doing ok healthwise, there are quite some concerns on its profitability. IMH does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

IMH had negative earnings in the past year.
In the past year IMH had a positive cash flow from operations.
IMH had negative earnings in each of the past 5 years.
In multiple years IMH reported negative operating cash flow during the last 5 years.
IMH Yearly Net Income VS EBIT VS OCF VS FCFIMH Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 0 200M -200M 400M 600M

1.2 Ratios

The profitability ratios for IMH are negative, so there is not much use analyzing them.
Industry RankSector Rank
ROA N/A
ROE N/A
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
IMH Yearly ROA, ROE, ROICIMH Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 0 200 -200 -400

1.3 Margins

IMH does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
IMH Yearly Profit, Operating, Gross MarginsIMH Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 0 500 -500 1K

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6

2. Health

2.1 Basic Checks

IMH does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for IMH has been increased compared to 1 year ago.
The debt/assets ratio for IMH has been reduced compared to a year ago.
IMH Yearly Shares OutstandingIMH Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 10M 20M 30M
IMH Yearly Total Debt VS Total AssetsIMH Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 1B 2B 3B 4B 5B

2.2 Solvency

Based on the Altman-Z score of -31.82, we must say that IMH is in the distress zone and has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of -31.82, IMH is doing worse than 78.79% of the companies in the same industry.
The Debt to FCF ratio of IMH is 0.19, which is an excellent value as it means it would take IMH, only 0.19 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of IMH (0.19) is better than 88.89% of its industry peers.
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF 0.19
Altman-Z -31.82
ROIC/WACCN/A
WACC1%
IMH Yearly LT Debt VS Equity VS FCFIMH Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 0 200M -200M 400M 600M

2.3 Liquidity

IMH has a Current Ratio of 7.72. This indicates that IMH is financially healthy and has no problem in meeting its short term obligations.
The Current ratio of IMH (7.72) is better than 94.95% of its industry peers.
A Quick Ratio of 7.72 indicates that IMH has no problem at all paying its short term obligations.
IMH has a better Quick ratio (7.72) than 94.95% of its industry peers.
Industry RankSector Rank
Current Ratio 7.72
Quick Ratio 7.72
IMH Yearly Current Assets VS Current LiabilitesIMH Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 1B 2B 3B 4B

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0

3. Growth

3.1 Past

The earnings per share for IMH have decreased strongly by -670.22% in the last year.
Looking at the last year, IMH shows a very negative growth in Revenue. The Revenue has decreased by -87.04% in the last year.
Measured over the past years, IMH shows a very negative growth in Revenue. The Revenue has been decreasing by -42.66% on average per year.
EPS 1Y (TTM)-670.22%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-328.03%
Revenue 1Y (TTM)-87.04%
Revenue growth 3Y-54.4%
Revenue growth 5Y-42.66%
Sales Q2Q%-92.83%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
IMH Yearly Revenue VS EstimatesIMH Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 0 100M 200M
IMH Yearly EPS VS EstimatesIMH Yearly EPS VS EstimatesYearly EPS VS Estimates 2016 2017 2018 2019 2020 0 2 -2

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2

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for IMH. In the last year negative earnings were reported.
Industry RankSector Rank
PE N/A
Fwd PE N/A
IMH Price Earnings VS Forward Price EarningsIMH Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0 0 0 0 0 0 0

4.2 Price Multiples

100.00% of the companies in the same industry are more expensive than IMH, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 0.03
EV/EBITDA N/A
IMH Per share dataIMH EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 -2 4 6

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

No dividends for IMH!.
Industry RankSector Rank
Dividend Yield N/A

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IMPAC MORTGAGE HOLDINGS INC

NYSEARCA:IMH (4/26/2023, 8:04:00 PM)

0.2249

+0 (+2.23%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)03-16 2023-03-16/amc
Earnings (Next)05-10 2023-05-10/amc
Inst Owners0.04%
Inst Owner Change0%
Ins Owners20.19%
Ins Owner Change0%
Market Cap8.22M
Revenue(TTM)8.60M
Net Income(TTM)-39484000
Analysts45
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly Dividend0
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 0.96
P/FCF 0.03
P/OCF 0.03
P/B N/A
P/tB N/A
EV/EBITDA N/A
EPS(TTM)-2.26
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)6.82
FCFY3034.52%
OCF(TTM)6.82
OCFY3034.52%
SpS0.24
BVpS-0.32
TBVpS-0.32
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA N/A
ROE N/A
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.14
Health
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF 0.19
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 7.72
Quick Ratio 7.72
Altman-Z -31.82
F-Score4
WACC1%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-670.22%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-328.03%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-87.04%
Revenue growth 3Y-54.4%
Revenue growth 5Y-42.66%
Sales Q2Q%-92.83%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-218.52%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y338.11%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y338.79%
OCF growth 3YN/A
OCF growth 5YN/A

IMPAC MORTGAGE HOLDINGS INC / IMH FAQ

What is the ChartMill fundamental rating of IMPAC MORTGAGE HOLDINGS INC (IMH) stock?

ChartMill assigns a fundamental rating of 2 / 10 to IMH.


What is the valuation status for IMH stock?

ChartMill assigns a valuation rating of 0 / 10 to IMPAC MORTGAGE HOLDINGS INC (IMH). This can be considered as Overvalued.


What is the profitability of IMH stock?

IMPAC MORTGAGE HOLDINGS INC (IMH) has a profitability rating of 1 / 10.


Can you provide the financial health for IMH stock?

The financial health rating of IMPAC MORTGAGE HOLDINGS INC (IMH) is 5 / 10.