0.2249 USD
+0 (+2.23%)
Taking everything into account, IMH scores 2 out of 10 in our fundamental rating. IMH was compared to 97 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.
1. Profitability
1.1 Basic Checks
- In the past year IMH has reported negative net income.
- In the past year IMH had a positive cash flow from operations.
1.2 Ratios
- The profitability ratios for IMH are negative, so there is not much use analyzing them.
| Industry Rank | Sector 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 Rank | Sector 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
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.
- IMH has a better debt/assets ratio than last year.
2.2 Solvency
- IMH has an Altman-Z score of -31.82. This is a bad value and indicates that IMH is not financially healthy and even has some risk of bankruptcy.
- The Altman-Z score of IMH (-31.82) is worse 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's Debt to FCF ratio of 0.19 is amongst the best of the industry. IMH outperforms 88.89% of its industry peers.
| Industry Rank | Sector 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.
- Looking at the Current 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.
- A Quick Ratio of 7.72 indicates that IMH has no problem at all paying its short term obligations.
- With an excellent Quick ratio value of 7.72, IMH belongs to the best of the industry, outperforming 94.95% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 7.72 | ||
| Quick Ratio | 7.72 |
3. Growth
3.1 Past
- The earnings per share for IMH have decreased strongly by -670.22% in the last year.
- The Revenue for IMH has decreased by -87.04% in the past year. This is quite bad
- 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 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.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings Ratio is negative for IMH. In the last year negative earnings were reported.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A |
4.2 Price Multiples
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of IMH indicates a rather cheap valuation: IMH is cheaper than 100.00% of the companies listed in the same industry.
| Industry Rank | Sector 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
5. Dividend
5.1 Amount
- No dividends for IMH!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/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.
Can you provide the valuation status for IMPAC MORTGAGE HOLDINGS INC?
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.
How financially healthy is IMPAC MORTGAGE HOLDINGS INC?
The financial health rating of IMPAC MORTGAGE HOLDINGS INC (IMH) is 5 / 10.