Impac Mortgage Holdings (IMH) Peer Comparison
$0.06
As on 26-Jun-2023 09:30EDT
Market cap
$8 Mln
Revenue (TTM)
$9 Mln
P/E Ratio
--
P/B Ratio
2.9
Div. Yield
0 %
| Impac Mortgage Holdings (IMH) | Ally Financial (ALLY) | FirstCash Holdings (FCFS) | OneMain Holdings (OMF) | Credit Acceptance (CACC) | |
|---|---|---|---|---|---|
Market cap ($ Mln) |
8 | 12,865 | 9,508 | 7,098 | 6,223 |
Revenue ($ Mln) |
9 | 15,841 | 4,120 | 6,418 | 2,324 |
Net Profit ($ Mln) |
-39.43 | 1,454.00 | 388.15 | 781.00 | 501.90 |
Net Margin (%) |
-458.83 | 9.18 | 9.42 | 12.17 | 21.60 |
RoE (%) |
4,730.89 | 9.38 | 16.88 | 23.02 | 32.25 |
Price to Earnings |
-- | 9.95 | 24.97 | 9.31 | 13.12 |
Price-To-Book |
2.94 | 0.97 | 4.19 | 2.18 | 3.92 |
Income Statement ($ Mln)
| Impac Mortgage Holdings (IMH) | Ally Financial (ALLY) | FirstCash Holdings (FCFS) | OneMain Holdings (OMF) | Credit Acceptance (CACC) | |
|---|---|---|---|---|---|
|
Operating Revenue
|
8.60 | 9,342.00 | 2,728.94 | 5,091.00 | 1,823.00 |
|
Cost of Revenue
|
30.71 | -1,297.00 | 1,464.36 | 2,294.00 | 475.00 |
|
Gross Profit
|
-22.11 | 102.00 | 1,264.59 | 2,797.00 | 1,348.00 |
|
Operating Expenses
|
25.42 | 4,687.00 | 980.68 | 1,642.00 | 645.70 |
|
Operating Profit (EBIT)
|
-47.53 | 5,611.00 | 283.90 | 1,155.00 | 702.30 |
|
Other Income
|
-- | -- | -- | -- | -- |
|
Profit before Tax
|
-39.39 | 2,342.00 | 323.63 | 1,155.00 | 711.70 |
|
Provision for Tax
|
0.04 | 627.00 | 70.14 | 283.00 | 175.90 |
|
Profit after Tax (Net Income)
|
-39.43 | 1,714.00 | 253.50 | 872.00 | 535.80 |
|
Minority Interest
|
-- | -- | -- | -- | -- |
|
Consolidated Profit
|
-39.48 | 1,604.00 | 253.50 | 878.00 | 535.80 |
Liabilities ($ Mln)
| Impac Mortgage Holdings (IMH) | Ally Financial (ALLY) | FirstCash Holdings (FCFS) | OneMain Holdings (OMF) | Credit Acceptance (CACC) | |
|---|---|---|---|---|---|
|
Shareholder's Funds
|
-11.60 | 12,859.00 | 1,879.77 | 3,029.00 | 1,624.00 |
|
Minority Interest
|
-- | -- | -- | -- | -- |
|
Non-Current Liabilities
|
71.93 | 23,428.00 | 1,729.57 | 19,504.00 | 5,017.40 |
|
Current Liabilities
|
3.62 | 155,539.00 | 295.53 | 37,803.00 | 263.30 |
|
Total Liabilities
|
60.33 | 191,826.00 | 3,904.87 | 22,533.00 | 6,904.70 |
Assets ($ Mln)
| Impac Mortgage Holdings (IMH) | Ally Financial (ALLY) | FirstCash Holdings (FCFS) | OneMain Holdings (OMF) | Credit Acceptance (CACC) | |
|---|---|---|---|---|---|
|
Non-Current Assets
|
21.42 | 159,664.00 | 2,774.21 | 3,498.00 | 108.30 |
|
Current Assets
|
38.92 | 32,162.00 | 1,130.66 | 1,011.00 | 6,796.40 |
|
Total Assets
|
60.33 | 191,826.00 | 3,904.87 | 22,533.00 | 6,904.70 |
|
Total Debt*
|
50.00 | 20,298.00 | 1,670.76 | 18,281.00 | 6,067.70 |
|
Net Current Assets
|
43.57 | -- | 835.13 | -- | 6,533.10 |
Cashflow ($ Mln)
| Impac Mortgage Holdings (IMH) | Ally Financial (ALLY) | FirstCash Holdings (FCFS) | OneMain Holdings (OMF) | Credit Acceptance (CACC) | |
|---|---|---|---|---|---|
|
Cash From Operating Activities
|
249.57 | 6,247.00 | 469.31 | 2,387.00 | 1,238.70 |
|
Cash Flow from Investing Activities
|
110.38 | -17,263.00 | -336.44 | -2,119.00 | -460.60 |
|
Cash from Financing Activities
|
-365.16 | 11,575.00 | -139.27 | -326.00 | -794.60 |
|
Net Cash Inflow / Outflow
|
-- | 559.00 | -6.41 | -58.00 | -16.50 |
Ratios
Profitability Ratios
| Impac Mortgage Holdings (IMH) | Ally Financial (ALLY) | FirstCash Holdings (FCFS) | OneMain Holdings (OMF) | Credit Acceptance (CACC) | |
|---|---|---|---|---|---|
|
ROCE (%)
|
-3.91 | 4.86 | 7.30 | 4.02 | 7.58 |
|
ROE (%)
|
4,730.89 | 11.46 | 13.75 | 23.71 | 31.08 |
|
ROA (%)
|
-3.79 | 0.92 | 6.55 | 3.91 | 7.68 |
|
EBIT Margin (%)
|
-- | -- | -- | -- | -- |
|
Net Margin (%)
|
-458.78 | 18.35 | 9.29 | 17.13 | 29.39 |
|
Cash Profit Margin (%)
|
-- | -- | -- | -- | -- |
Growth Ratios
| Impac Mortgage Holdings (IMH) | Ally Financial (ALLY) | FirstCash Holdings (FCFS) | OneMain Holdings (OMF) | Credit Acceptance (CACC) | |
|---|---|---|---|---|---|
|
Revenue Growth (%)
|
-0.87 | 0.05 | 0.61 | 0.02 | -0.02 |
|
EBIT Growth (%)
|
-- | -- | -- | -- | -- |
|
Net Profit Growth (%)
|
-916.81 | -43.99 | 102.94 | -33.64 | -44.09 |
|
EPS Growth (%)
|
-- | -0.36 | 1.11 | -0.29 | -0.37 |
|
Book Value Growth (%)
|
-- | -- | -- | -- | -- |
Valuation Ratios
| Impac Mortgage Holdings (IMH) | Ally Financial (ALLY) | FirstCash Holdings (FCFS) | OneMain Holdings (OMF) | Credit Acceptance (CACC) | |
|---|---|---|---|---|---|
|
Price / Earnings
|
-- | 4.32 | 15.95 | 4.66 | 11.77 |
|
Price / Book Value
|
-- | 0.58 | 2.15 | 1.34 | 3.88 |
|
Dividend Yield (%)
|
-- | -- | -- | -- | -- |
|
EV/EBITDA
|
-0.43 | -0.54 | 6.57 | 15.05 | 16.89 |
|
Market Cap ($ Cr)
|
-- | -- | -- | -- | -- |
Solvency Ratios
| Impac Mortgage Holdings (IMH) | Ally Financial (ALLY) | FirstCash Holdings (FCFS) | OneMain Holdings (OMF) | Credit Acceptance (CACC) | |
|---|---|---|---|---|---|
|
Debt to Equity
|
-4.31 | 1.58 | 0.89 | 6.04 | 3.74 |
|
Short term debt to equity ratio
|
-0.31 | 0.19 | 0.05 | 6.04 | 0.93 |
|
Current Ratio
|
10.74 | 0.21 | 3.83 | 0.03 | 25.81 |
|
Quick Ratio
|
-- | 0.25 | 2.85 | -0.01 | -- |
|
Interest Coverage
|
-2.48 | 1.96 | 5.58 | 1.29 | 27.43 |
Operating Efficiency Ratios
| Impac Mortgage Holdings (IMH) | Ally Financial (ALLY) | FirstCash Holdings (FCFS) | OneMain Holdings (OMF) | Credit Acceptance (CACC) | |
|---|---|---|---|---|---|
|
Debtors to sales (%)
|
11.53 | 10.17 | 20.22 | 332.74 | 345.94 |
|
Asset Turnover
|
0.01 | 0.05 | 0.71 | 0.23 | 0.26 |
|
Receivable days
|
142.85 | 32.78 | 76.04 | 1,194.86 | 1,277.46 |
|
Inventory Days
|
-- | 1,910.59 | 68.80 | 198.15 | 783.79 |
|
Payable days
|
-- | -148.27 | 6.30 | -- | 167.55 |
|
Cash Conversion Cycle
|
-- | 2,091.64 | 138.54 | -- | 1,893.70 |