IMPAC MORTGAGE HOLDINGS INC (IMH)

US45254P5089 - Common Stock

0.2249  +0 (+2.23%)

Fundamental Rating

2

IMH gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 102 industry peers in the Financial Services industry. While IMH seems to be doing ok healthwise, there are quite some concerns on its profitability. IMH is valued expensive and it does not seem to be growing.



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1

1. Profitability

1.1 Basic Checks

IMH had negative earnings in the past year.
IMH had a positive operating cash flow in the past year.
In the past 5 years IMH always reported negative net income.
The reported operating cash flow has been mixed in the past 5 years: IMH reported negative operating cash flow in multiple years.

1.2 Ratios

IMH has negative profitability rations, so we won't be analyzing them here.
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

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

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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.
IMH has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, IMH has more shares outstanding
IMH has a better debt/assets ratio than last year.

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.
IMH has a worse Altman-Z score (-31.82) than 78.79% of its industry peers.
IMH has a debt to FCF ratio of 0.19. This is a very positive value and a sign of high solvency as it would only need 0.19 years to pay back of all of its debts.
IMH has a better Debt to FCF ratio (0.19) 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%

2.3 Liquidity

A Current Ratio of 7.72 indicates that IMH has no problem at all paying its short term obligations.
IMH's Current ratio of 7.72 is amongst the best of the industry. IMH outperforms 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.
Looking at the Quick ratio, with a value of 7.72, IMH belongs to the top of the industry, outperforming 94.95% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 7.72
Quick Ratio 7.72

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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.
IMH shows a very negative growth in Revenue. Measured over the last years, the Revenue has been decreasing by -42.66% yearly.
EPS 1Y (TTM)-670.22%
EPS 3YN/A
EPS 5YN/A
EPS growth Q2Q-328.03%
Revenue 1Y (TTM)-87.04%
Revenue growth 3Y-54.4%
Revenue growth 5Y-42.66%
Revenue growth 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.

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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

4.2 Price Multiples

IMH's Price/Free Cash Flow ratio is rather cheap when compared to the industry. IMH is cheaper than 100.00% of the companies in the same industry.
Industry RankSector Rank
P/FCF 0.03
EV/EBITDA N/A

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

IMH does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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IMPAC MORTGAGE HOLDINGS INC

NYSEARCA:IMH (4/26/2023, 7:04:00 PM)

0.2249

+0 (+2.23%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap8.22M
Analysts
Price Target
Dividend
Industry RankSector Rank
Dividend Yield N/A
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA N/A
ROE N/A
ROCE
ROIC
ROICexc
ROICexgc
OM N/A
PM (TTM) N/A
GM N/A
FCFM
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.14
Health
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio 7.72
Quick Ratio 7.72
Altman-Z
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-670.22%
EPS 3YN/A
EPS 5Y
EPS growth Q2Q
EPS Next YN/A
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-87.04%
Revenue growth 3Y-54.4%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y