IMPAC MORTGAGE HOLDINGS INC's gross profit margin for the second quarter of its fiscal year 2015 has decreased when compared to the same period a year ago. The company has grown sales and net income significantly, outpacing the average growth rates of competitors within its industry.
At the same time, stockholders' equity ("net worth") has greatly increased by 220.77% from the same quarter last year.
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|Income Statement||Q2 FY15||Q2 FY14|
|Net Sales ($mil)||116.35||79.46|
|Net Income ($mil)||16.81||0.08|
|Balance Sheet||Q2 FY15||Q2 FY14|
|Cash & Equiv. ($mil)||37.99||23.0|
|Total Assets ($mil)||5724.33||5719.98|
|Total Debt ($mil)||5506.11||5668.36|
|Profitability||Q2 FY15||Q2 FY14|
|Gross Profit Margin||65.02||81.75|
|Return on Assets||0.82||-0.2|
|Return on Equity||58.96||-39.89|
|Debt||Q2 FY15||Q2 FY14|
|Share Data||Q2 FY15||Q2 FY14|
|Shares outstanding (mil)||10.22||9.32|
|Div / share||0.0||0.0|
|Book value / share||8.09||2.77|
|Institutional Own %||n/a||n/a|
|Avg Daily Volume||107396.0||202207.0|
SELL. IMPAC MORTGAGE HOLDINGS INC's P/E ratio indicates a significant discount compared to an average of 29.60 for the Thrifts & Mortgage Finance industry and a significant discount compared to the S&P 500 average of 19.38. Conducting a second comparison, its price-to-book ratio of 1.98 indicates a discount versus the S&P 500 average of 2.58 and a premium versus the industry average of 1.59. The price-to-sales ratio is well below both the S&P 500 average and the industry average, indicating a discount. The valuation analysis reveals that, IMPAC MORTGAGE HOLDINGS INC seems to be trading at a discount to investment alternatives within the industry.
|IMH 3.96||Peers 29.60||IMH NM||Peers 31.49|
Discount. A lower P/E ratio than its peers can signify a less expensive stock or lower growth expectations.
IMH is trading at a significant discount to its peers.
Neutral. The P/CF ratio, a stock’s price divided by the company's cash flow from operations, is useful for comparing companies with different capital requirements or financing structures.
IMH's P/CF is negative making the measure meaningless.
|IMH NA||Peers 42.28||IMH NA||Peers 4.34|
Neutral. A lower price-to-projected earnings ratio than its peers can signify a less expensive stock or lower future growth potential.
Ratio not available.
Neutral. The PEG ratio is the stock’s P/E divided by the consensus estimate of long-term earnings growth. Faster growth can justify higher price multiples.
Ratio not available.
|IMH 1.98||Peers 1.59||IMH 449.13||Peers 61.12|
Premium. A higher price-to-book ratio makes a stock less attractive to investors seeking stocks with lower market values per dollar of equity on the balance sheet.
IMH is trading at a premium to its peers.
Higher. Elevated earnings growth rates can lead to capital appreciation and justify higher price-to-earnings ratios.
IMH is expected to have an earnings growth rate that significantly exceeds its peers.
|IMH 0.41||Peers 4.48||IMH 18.64||Peers 11.63|
Discount. In the absence of P/E and P/B multiples, the price-to-sales ratio can display the value investors are placing on each dollar of sales.
IMH is trading at a significant discount to its industry on this measurement.
Higher. A sales growth rate that exceeds the industry implies that a company is gaining market share.
IMH has a sales growth rate that significantly exceeds its peers.
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