Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for Impac Mortgage Holdings's Debt-to-EBITDA or its related term are showing as below:
IMPMQ's Debt-to-EBITDA is not ranked *
in the Banks industry.
Industry Median: 9.18 * Ranked among companies with meaningful Debt-to-EBITDA only.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
Impac Mortgage Holdings Debt-to-EBITDA Related Terms
Impac Mortgage Holdings Debt-to-EBITDA Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
IMPMQ vs MVLA, SURG, MNDO: Debt-to-EBITDA Comparison
For the Mortgage Finance subindustry, Impac Mortgage Holdings's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Impac Mortgage Holdings Debt-to-EBITDA vs Banks Industry
For the Banks industry and Financial Services sector, Impac Mortgage Holdings's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Impac Mortgage Holdings's Debt-to-EBITDA falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Dec. 2022) EBITDA data.
Impac Mortgage Holdings (IMPMQ) has a Debt-to-EBITDA of -1.18 as of Dec. 2022. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Impac Mortgage Holdings.
Is Impac Mortgage Holdings' Debt-to-EBITDA too high?
Impac Mortgage Holdings' current Debt-to-EBITDA is -1.18. Overall, Impac Mortgage Holdings has a GF Score™ of 16/100, reflecting its overall financial health beyond just this single metric.
How does Impac Mortgage Holdings' Debt-to-EBITDA compare to MVLA and SURG?
Impac Mortgage Holdings' Debt-to-EBITDA of -1.18 can be compared against companies in the Banks industry. The industry median Debt-to-EBITDA is 9.18. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for a Banks company?
The median Debt-to-EBITDA among Banks companies is 9.18, based on 33 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Impac Mortgage Holdings. For the Banks industry, the median Debt-to-EBITDA is 9.18 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Impac Mortgage Holdings's current Debt-to-EBITDA is -1.18. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Impac Mortgage Holdings stock overvalued right now?
Impac Mortgage Holdings (IMPMQ) has a current Debt-to-EBITDA of -1.18. The current Debt-to-EBITDA is -1.18. Impac Mortgage Holdings' overall GF Score™ is 16/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Impac Mortgage Holdings (IMPMQ), the current Debt-to-EBITDA is -1.18 as of Dec. 2022. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Impac Mortgage Holdings Inc is engaged in the business of originating and brokering mortgage loans secured by residential real estate throughout the United States and derives income from fees charged for services related to the brokering, origination, and sale of mortgage loans.
16GF Score
Get the complete analysis for IMPMQ
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
IMPMQ has been successfully added to your 
