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IMPAC MORTGAGE HOLDINGS INC (IMH) Stock Fundamental Analysis

NYSEARCA:IMH - NYSE Arca - US45254P5089 - Common Stock - Currency: USD

0.2249  +0 (+2.23%)

Fundamental Rating

2

Overall IMH gets a fundamental rating of 2 out of 10. We evaluated IMH against 100 industry peers in the Financial Services industry. The financial health of IMH is average, but there are quite some concerns on its profitability. IMH has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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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.
IMH had negative earnings in each of the past 5 years.
The reported operating cash flow has been mixed in the past 5 years: IMH reported negative operating cash flow in multiple 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.
IMH has more shares outstanding than it did 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

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.
With a Altman-Z score value of -31.82, IMH is not doing good in the industry: 78.79% of the companies in the same industry are doing better.
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.
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 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

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.
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
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

IMH shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -670.22%.
Looking at the last year, IMH shows a very negative growth in Revenue. The Revenue has decreased by -87.04% in the last year.
The Revenue for IMH have been decreasing by -42.66% on average. This is quite bad
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

Based on the Price/Free Cash Flow ratio, IMH is valued cheaply inside the industry as 100.00% of the companies are valued more expensively.
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 Change177.31%
Ins Owners20.19%
Ins Owner Change0%
Market Cap8.22M
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
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
ROICexcg growth 3YN/A
ROICexcg 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