Impac Mortgage Holdings, Inc. Logo

Impac Mortgage Holdings, Inc.

IMPHP

(1.8)
Stock Price

4,25 USD

-41.08% ROA

-3.92% ROE

-0.57x PER

Market Cap.

0,00 USD

-368.47% DER

0% Yield

-458.78% NPM

Impac Mortgage Holdings, Inc. Stock Analysis

Impac Mortgage Holdings, Inc. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Impac Mortgage Holdings, Inc. Fundamental Stock Analysis
# Analysis Rating
1 ROE

ROE surpassing expectations (2109.51%) highlights strong profitability and efficient use of shareholders' equity, making it an appealing investment prospect.

2 PBV

The stock's low PBV ratio (-1.21x) suggests it's undervalued, making it an attractive opportunity for investors.

3 DER

The stock has a low debt to equity ratio (-368%), which means it has a small amount of debt compared to the ownership it holds

4 Graham Number

The Graham number of this company suggests that its stock price may be undervalued, indicating a potentially attractive investment opportunity.

5 Assets Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

6 Dividend Growth

Potential investors should be aware that the company's dividend growth has shown no upward trend in the past three years, indicating limited potential for increased returns.

7 Dividend

Investors should note the absence of dividends from the company in the last three years, indicating potential financial challenges.

8 Buffet Intrinsic Value

The company's stock appears overvalued (-5) by Warren Buffett's formula, suggesting a less favorable investment opportunity as its market price exceeds its estimated intrinsic value.

9 ROA

The stock's ROA (-65.36%) indicates that it's not effectively utilizing its assets to generate profits, making it a less favorable option to invest and earn consistent returns.

10 Revenue Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

11 Net Profit Growth

Over the past five years, this company's net profit has failed to exhibit any growth, indicating a stagnant financial performance and making it a less favorable choice for potential investors.

Impac Mortgage Holdings, Inc. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Impac Mortgage Holdings, Inc. Technical Stock Analysis
# Analysis Recommendation

Impac Mortgage Holdings, Inc. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Impac Mortgage Holdings, Inc. Revenue
Year Revenue Growth
1995 2.900.000
1996 21.100.000 86.26%
1997 43.300.000 51.27%
1998 28.500.000 -51.93%
1999 36.600.000 22.13%
2000 25.496.000 -43.55%
2001 61.982.000 58.87%
2002 103.191.000 39.93%
2003 213.570.000 51.68%
2004 383.859.000 44.36%
2005 425.675.000 9.82%
2006 86.459.000 -392.34%
2007 -223.747.000 138.64%
2008 56.177.000 498.29%
2009 -164.990.000 134.05%
2010 69.174.000 338.51%
2011 71.130.000 2.75%
2012 91.165.000 21.98%
2013 86.483.000 -5.41%
2014 45.189.000 -91.38%
2015 166.957.000 72.93%
2016 297.756.000 43.93%
2017 138.705.000 -114.67%
2018 105.000.000 -32.1%
2019 90.628.000 -15.86%
2020 -8.092.000 1219.97%
2021 66.319.000 112.2%
2022 4.284.000 -1448.06%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Impac Mortgage Holdings, Inc. Research and Development Expenses
Year Research and Development Expenses Growth
1995 0
1996 0 0%
1997 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Impac Mortgage Holdings, Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
1995 0
1996 400.000 100%
1997 400.000 0%
1998 2.800.000 85.71%
1999 1.800.000 -55.56%
2000 2.230.000 19.28%
2001 2.303.000 3.17%
2002 1.716.000 -34.21%
2003 25.267.000 93.21%
2004 60.420.000 58.18%
2005 77.508.000 22.05%
2006 84.949.000 8.76%
2007 9.824.000 -764.71%
2008 25.407.000 61.33%
2009 48.192.000 47.28%
2010 54.924.000 12.26%
2011 58.610.000 6.29%
2012 68.484.000 14.42%
2013 25.191.000 -171.86%
2014 18.637.000 -35.17%
2015 27.988.000 33.41%
2016 33.771.000 17.12%
2017 37.775.000 10.6%
2018 35.339.000 -6.89%
2019 22.410.000 -57.69%
2020 24.534.000 8.66%
2021 21.031.000 -16.66%
2022 1.640.000 -1182.38%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Impac Mortgage Holdings, Inc. EBITDA
Year EBITDA Growth
1995 3.900.000
1996 56.000.000 93.04%
1997 60.700.000 7.74%
1998 116.200.000 47.76%
1999 130.700.000 11.09%
2000 85.171.000 -53.46%
2001 140.874.000 39.54%
2002 257.669.000 45.33%
2003 429.634.000 40.03%
2004 828.903.000 48.17%
2005 1.614.588.000 48.66%
2006 1.496.396.000 -7.9%
2007 -690.323.000 316.77%
2008 1.442.995.000 147.84%
2009 1.783.997.000 19.11%
2010 989.939.000 -80.21%
2011 738.290.000 -34.09%
2012 474.697.000 -55.53%
2013 301.262.000 -57.57%
2014 289.504.000 -4.06%
2015 337.352.000 14.18%
2016 313.342.000 -7.66%
2017 219.372.000 -42.84%
2018 47.732.000 -359.59%
2019 148.218.000 67.8%
2020 25.754.000 -475.51%
2021 59.461.000 56.69%
2022 -299.376.000 119.86%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Impac Mortgage Holdings, Inc. Gross Profit
Year Gross Profit Growth
1995 2.900.000
1996 21.100.000 86.26%
1997 43.300.000 51.27%
1998 28.500.000 -51.93%
1999 36.600.000 22.13%
2000 25.496.000 -43.55%
2001 61.982.000 58.87%
2002 103.191.000 39.93%
2003 213.570.000 51.68%
2004 383.859.000 44.36%
2005 425.675.000 9.82%
2006 86.459.000 -392.34%
2007 -223.747.000 138.64%
2008 56.177.000 498.29%
2009 -164.990.000 134.05%
2010 69.174.000 338.51%
2011 71.130.000 2.75%
2012 91.165.000 21.98%
2013 23.600.000 -286.29%
2014 7.791.000 -202.91%
2015 89.136.000 91.26%
2016 173.197.000 48.53%
2017 49.058.000 -253.05%
2018 40.857.000 -20.07%
2019 25.437.000 -60.62%
2020 -60.972.000 141.72%
2021 13.541.000 550.28%
2022 -62.064.000 121.82%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Impac Mortgage Holdings, Inc. Net Profit
Year Net Profit Growth
1995 2.100.000
1996 11.900.000 82.35%
1997 -16.000.000 174.38%
1998 -5.900.000 -171.19%
1999 22.300.000 126.46%
2000 -54.233.000 141.12%
2001 13.889.000 490.47%
2002 74.917.000 81.46%
2003 127.231.000 41.12%
2004 257.637.000 50.62%
2005 270.258.000 4.67%
2006 -75.273.000 459.04%
2007 -2.047.090.000 96.32%
2008 -44.723.000 -4477.26%
2009 10.837.000 512.69%
2010 10.294.000 -5.27%
2011 3.224.000 -219.29%
2012 -3.375.000 195.53%
2013 -8.184.000 58.76%
2014 -6.322.000 -29.45%
2015 80.799.000 107.82%
2016 46.670.000 -73.13%
2017 -31.521.000 248.06%
2018 -145.410.000 78.32%
2019 -7.977.000 -1722.87%
2020 -88.150.000 90.95%
2021 -3.878.000 -2173.08%
2022 -47.072.000 91.76%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Impac Mortgage Holdings, Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1995 1
1996 4 100%
1997 -5 175%
1998 -2 -300%
1999 7 116.67%
2000 -16 137.5%
2001 4 500%
2002 23 81.82%
2003 38 42.11%
2004 78 50.65%
2005 82 4.94%
2006 -23 468.18%
2007 -618 96.43%
2008 -13 -4646.15%
2009 3 533.33%
2010 3 0%
2011 1 0%
2012 -1 100%
2013 -2 50%
2014 -2 -100%
2015 24 104.17%
2016 14 -71.43%
2017 -10 255.56%
2018 -44 79.07%
2019 -2 -2050%
2020 -27 92.31%
2021 0 0%
2022 33 100%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Impac Mortgage Holdings, Inc. Free Cashflow
Year Free Cashflow Growth
1995 -100.000
1996 6.400.000 101.56%
1997 5.300.000 -20.75%
1998 40.300.000 86.85%
1999 55.800.000 27.78%
2000 26.720.000 -108.83%
2001 55.459.000 51.82%
2002 101.533.000 45.38%
2003 230.553.000 55.96%
2004 -185.684.000 224.16%
2005 -820.840.000 77.38%
2006 -4.983.998.000 83.53%
2007 -2.062.756.000 -141.62%
2008 439.727.000 569.1%
2009 388.238.000 -13.26%
2010 269.844.000 -43.87%
2011 173.094.000 -55.89%
2012 183.061.000 5.44%
2013 174.184.000 -5.1%
2014 29.963.000 -481.33%
2015 30.773.000 2.63%
2016 65.210.000 52.81%
2017 -143.972.000 145.29%
2018 200.102.000 171.95%
2019 -378.345.000 152.89%
2020 633.450.000 159.73%
2021 -104.812.000 704.37%
2022 -9.457.000 -1008.3%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Impac Mortgage Holdings, Inc. Operating Cashflow
Year Operating Cashflow Growth
1995 -100.000
1996 6.400.000 101.56%
1997 9.200.000 30.43%
1998 42.800.000 78.5%
1999 55.800.000 23.3%
2000 26.720.000 -108.83%
2001 55.459.000 51.82%
2002 101.533.000 45.38%
2003 232.369.000 56.31%
2004 -179.372.000 229.55%
2005 -812.842.000 77.93%
2006 -4.973.075.000 83.66%
2007 -2.061.196.000 -141.27%
2008 439.817.000 568.65%
2009 388.914.000 -13.09%
2010 271.617.000 -43.18%
2011 173.577.000 -56.48%
2012 183.313.000 5.31%
2013 174.546.000 -5.02%
2014 29.981.000 -482.19%
2015 30.664.000 2.23%
2016 65.476.000 53.17%
2017 -137.885.000 147.49%
2018 200.969.000 168.61%
2019 -377.483.000 153.24%
2020 633.852.000 159.55%
2021 -104.514.000 706.48%
2022 -9.457.000 -1005.15%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Impac Mortgage Holdings, Inc. Capital Expenditure
Year Capital Expenditure Growth
1995 0
1996 0 0%
1997 3.900.000 100%
1998 2.500.000 -56%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 1.816.000 100%
2004 6.312.000 71.23%
2005 7.998.000 21.08%
2006 10.923.000 26.78%
2007 1.560.000 -600.19%
2008 90.000 -1633.33%
2009 676.000 86.69%
2010 1.773.000 61.87%
2011 483.000 -267.08%
2012 252.000 -91.67%
2013 362.000 30.39%
2014 18.000 -1911.11%
2015 -109.000 116.51%
2016 266.000 140.98%
2017 6.087.000 95.63%
2018 867.000 -602.08%
2019 862.000 -0.58%
2020 402.000 -114.43%
2021 298.000 -34.9%
2022 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Impac Mortgage Holdings, Inc. Equity
Year Equity Growth
2002 303.488.000
2003 508.490.000 40.32%
2004 1.044.075.000 51.3%
2005 1.166.947.000 10.53%
2006 1.009.530.000 -15.59%
2007 -1.077.728.000 193.67%
2008 9.252.000 11748.59%
2009 15.433.000 40.05%
2010 26.396.000 41.53%
2011 29.968.000 11.92%
2012 28.960.000 -3.48%
2013 25.871.000 -11.94%
2014 24.956.000 -3.67%
2015 114.490.000 78.2%
2016 231.040.000 50.45%
2017 265.147.000 12.86%
2018 110.175.000 -140.66%
2019 104.237.000 -5.7%
2020 15.651.000 -566.01%
2021 9.936.000 -57.52%
2022 -11.603.000 185.63%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Impac Mortgage Holdings, Inc. Assets
Year Assets Growth
2002 6.551.773.000
2003 10.674.657.000 38.62%
2004 23.815.767.000 55.18%
2005 27.720.379.000 14.09%
2006 23.598.955.000 -17.46%
2007 17.391.072.000 -35.7%
2008 6.715.517.000 -158.97%
2009 5.872.912.000 -14.35%
2010 6.152.638.000 4.55%
2011 5.610.911.000 -9.65%
2012 5.985.705.000 6.26%
2013 5.718.325.000 -4.68%
2014 5.578.572.000 -2.51%
2015 5.211.317.000 -7.05%
2016 4.863.734.000 -7.15%
2017 4.681.700.000 -3.89%
2018 3.647.943.000 -28.34%
2019 3.546.279.000 -2.87%
2020 2.369.306.000 -49.68%
2021 2.022.771.000 -17.13%
2022 60.331.000 -3252.79%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Impac Mortgage Holdings, Inc. Liabilities
Year Liabilities Growth
2002 6.248.285.000
2003 10.166.167.000 38.54%
2004 22.771.692.000 55.36%
2005 26.553.432.000 14.24%
2006 22.589.425.000 -17.55%
2007 18.468.800.000 -22.31%
2008 6.706.265.000 -175.4%
2009 5.857.479.000 -14.49%
2010 6.126.242.000 4.39%
2011 5.580.943.000 -9.77%
2012 5.956.745.000 6.31%
2013 5.692.454.000 -4.64%
2014 5.553.616.000 -2.5%
2015 5.096.827.000 -8.96%
2016 4.632.694.000 -10.02%
2017 4.416.553.000 -4.89%
2018 3.537.768.000 -24.84%
2019 3.442.042.000 -2.78%
2020 2.353.655.000 -46.24%
2021 2.012.835.000 -16.93%
2022 71.934.000 -2698.17%

Impac Mortgage Holdings, Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
0.27
Net Income per Share
-7.48
Price to Earning Ratio
-0.57x
Price To Sales Ratio
0x
POCF Ratio
-4.26
PFCF Ratio
0
Price to Book Ratio
-1.21
EV to Sales
18.56
EV Over EBITDA
-0.2
EV to Operating CashFlow
-5.1
EV to FreeCashFlow
-5.1
Earnings Yield
-1.76
FreeCashFlow Yield
0
Market Cap
0,00 Bil.
Enterprise Value
0,02 Bil.
Graham Number
24.26
Graham NetNet
-13.9

Income Statement Metrics

Net Income per Share
-7.48
Income Quality
0.13
ROE
2.8
Return On Assets
-0.65
Return On Capital Employed
-0.84
Net Income per EBT
1
EBT Per Ebit
0.83
Ebit per Revenue
-5.53
Effective Tax Rate
-0

Margins

Sales, General, & Administrative to Revenue
5.76
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.31
Gross Profit Margin
-2.57
Operating Profit Margin
-5.53
Pretax Profit Margin
-4.58
Net Profit Margin
-4.59

Dividends

Dividend Yield
0
Dividend Yield %
0
Payout Ratio
0
Dividend Per Share
0

Operating Metrics

Operating Cashflow per Share
-1
Free CashFlow per Share
-1
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
-1.9
Return on Tangible Assets
-0.41
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
7,80
Book Value per Share
-3,50
Tangible Book Value per Share
-3.5
Shareholders Equity per Share
-3.5
Interest Debt per Share
2.54
Debt to Equity
-3.68
Debt to Assets
0.71
Net Debt to EBITDA
-0.2
Current Ratio
1.72
Tangible Asset Value
-0,01 Bil.
Net Current Asset Value
-0,05 Bil.
Invested Capital
-3.68
Working Capital
0,01 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Impac Mortgage Holdings, Inc. Dividends
Year Dividends Growth

Impac Mortgage Holdings, Inc. Profile

About Impac Mortgage Holdings, Inc.

Impac Mortgage Holdings, Inc. operates as a residential mortgage lender in the United States. It operates through three segments: Mortgage Lending, Real Estate Services, and Long-Term Mortgage Portfolio. The Mortgage Lending segment provides mortgage lending products through three lending channels, such as retail, wholesale, and correspondent and opportunistically retain mortgage servicing rights. The Real Estate Services segment provides loss mitigation and real estate services primarily on its long-term mortgage portfolio, including default surveillance, loan modification, short sale, and real estate owned surveillance and disposition services, as well as monitoring, reconciling, and reporting services for residential and multifamily mortgage portfolios. This segment provides services to investors, servicers, and individual borrowers primarily focusing on loss mitigation and performance. The Long-Term Mortgage Portfolio segment consists of residual interests in the securitization trusts reflected as trust assets and liabilities in its consolidated balance sheets. Impac Mortgage Holdings, Inc. was incorporated in 1995 and is based in Irvine, California.

CEO
Employee
326
Address
19500 Jamboree Road
Irvine, 92612

Impac Mortgage Holdings, Inc. Executives & BODs

Impac Mortgage Holdings, Inc. Executives & BODs
# Name Age
1 Mr. Jon Gloeckner
Senior Vice President of Treasury & Financial Reporting, Principal Financial and Accounting Officer
70
2 Ms. Tiffany M. Entsminger
Chief Operating Officer
70
3 Mr. Justin R. Moisio
Chief Admin. Officer & Corporation Sec.
70
4 Mr. Obi O. Nwokorie
Executive Vice President of Alternative Credit Products, Chief Investment Officer & Director
70
5 Ms. Libby Cooper
Senior Vice President of Corporation Strategy
70
6 Mr. Joseph O. Joffrion
Senior Vice President & Gen. Counsel
70
7 Natasha Gilmore
Assistant Vice President of HR
70
8 Mr. George A. Mangiaracina
Chairman & Chief Executive Officer
70

Impac Mortgage Holdings, Inc. Competitors