IMPHP.PFD (Impac Mortgage Holdings) Moat Score : 2/10 (As of Jun. 17, 2025)

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What is Impac Mortgage Holdings Moat Score?

Impac Mortgage Holdings has the Moat Score of 2, which implies that the company might have No Moat - Very weak/transient advantages.

Impac Mortgage Holdings has No Moat: Impac Mortgage Holdings Inc lacks significant competitive advantages. The mortgage industry is highly competitive with low switching costs and minimal regulatory barriers, leading to weak market leadership and limited pricing power.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Impac Mortgage Holdings might have No Moat - Very weak/transient advantages.

Competitive Comparison of Impac Mortgage Holdings's Moat Score

For the Mortgage Finance subindustry, Impac Mortgage Holdings's Moat Score, along with its competitors' market caps and Moat Score 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's Moat Score Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Impac Mortgage Holdings's Moat Score distribution charts can be found below:

* The bar in red indicates where Impac Mortgage Holdings's Moat Score falls into.

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Impac Mortgage Holdings (OTCPK:IMPHP.PFD) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score	Moat Level
10	Wide Moat - Exceptionally dominant and durable wide moat
8 - 9	Wide Moat - Clear and robust wide moat
7	Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6	Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5	Narrow Moat - Solid narrow moat
4	Narrow Moat - Discernible but modest moat
1 - 3	No Moat - Very weak/transient advantages
0	No Moat - No discernible moat

Impac Mortgage Holdings Moat Score Related Terms

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Impac Mortgage Holdings Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Impac Mortgage Holdings Inc (OTCPK:IMPHP.PFD) » Definitions » Moat Score

Comparable Companies

Traded in Other Exchanges

N/A

Address

4000 MacArthur Boulevard, Suite 6000, Newport Beach, CA, USA, 92660

Website

https://www.impaccompanies.com

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.