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IMPAC MORTGAGE HOLDINGS INC (IMH) Stock Fundamental Analysis

NYSEARCA:IMH - US45254P5089 - Common Stock

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

2

IMH gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 101 industry peers in the Financial Services industry. While IMH seems to be doing ok healthwise, 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.
In the past year IMH had a positive cash flow from operations.
In the past 5 years IMH always reported negative net income.
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.
IMH has a better debt/assets ratio than last year.
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.
IMH has a Altman-Z score of -31.82. This is in the lower half of the industry: IMH underperforms 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.
Looking at the Debt to FCF ratio, with a value of 0.19, IMH belongs to the top of the industry, outperforming 88.89% of the companies in the same industry.
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.
IMH has a better Current ratio (7.72) 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.
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 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.
IMH shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -87.04%.
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.
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 Change114.75%
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