GREYSTONE HOUSING IMPACT INV (GHI) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:GHI - US02364V2060
6.89 USD
+0.12 (+1.77%)
Taking everything into account, GHI scores 2 out of 10 in our fundamental rating. GHI was compared to 98 industry peers in the Financial Services industry. GHI has a bad profitability rating. Also its financial health evaluation is rather negative. GHI is valued expensive and it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year GHI was profitable.
In the past year GHI had a positive cash flow from operations.
GHI had positive earnings in each of the past 5 years.
GHI had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of GHI (0.27%) is worse than 65.31% of its industry peers.
With a Return On Equity value of 1.04%, GHI is not doing good in the industry: 67.35% of the companies in the same industry are doing better.
The Return On Invested Capital of GHI (0.44%) is worse than 64.29% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for GHI is significantly below the industry average of 8.44%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.27% | ||
| ROE | 1.04% | ||
| ROIC | 0.44% |
ROA(3y)2.82%
ROA(5y)2.23%
ROE(3y)10.47%
ROE(5y)7.85%
ROIC(3y)1.09%
ROIC(5y)1.01%
1.3 Margins
With a Profit Margin value of 4.34%, GHI is not doing good in the industry: 62.24% of the companies in the same industry are doing better.
GHI's Profit Margin has declined in the last couple of years.
Looking at the Operating Margin, with a value of 7.94%, GHI is doing worse than 62.24% of the companies in the same industry.
In the last couple of years the Operating Margin of GHI has declined.
GHI's Gross Margin of 38.33% is in line compared to the rest of the industry. GHI outperforms 55.10% of its industry peers.
GHI's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 7.94% | ||
| PM (TTM) | 4.34% | ||
| GM | 38.33% |
OM growth 3Y-25.29%
OM growth 5Y-18.76%
PM growth 3Y-25.78%
PM growth 5Y-9.87%
GM growth 3Y-20.43%
GM growth 5Y-12.96%
2. Health
2.1 Basic Checks
GHI has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
GHI has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, GHI has more shares outstanding
Compared to 1 year ago, GHI has a worse debt to assets ratio.
2.2 Solvency
GHI has a debt to FCF ratio of 31.68. This is a negative value and a sign of low solvency as GHI would need 31.68 years to pay back of all of its debts.
GHI has a Debt to FCF ratio of 31.68. This is in the lower half of the industry: GHI underperforms 60.20% of its industry peers.
GHI has a Debt/Equity ratio of 2.34. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of GHI (2.34) is worse than 70.41% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.34 | ||
| Debt/FCF | 31.68 | ||
| Altman-Z | N/A |
ROIC/WACC0.08
WACC5.26%
2.3 Liquidity
GHI has a Current Ratio of 0.25. This is a bad value and indicates that GHI is not financially healthy enough and could expect problems in meeting its short term obligations.
GHI has a worse Current ratio (0.25) than 69.39% of its industry peers.
A Quick Ratio of 0.25 indicates that GHI may have some problems paying its short term obligations.
The Quick ratio of GHI (0.25) is worse than 69.39% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.25 | ||
| Quick Ratio | 0.25 |
3. Growth
3.1 Past
GHI shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -70.92%.
Measured over the past years, GHI shows a decrease in Earnings Per Share. The EPS has been decreasing by -8.83% on average per year.
The Revenue has decreased by -0.95% in the past year.
GHI shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.07% yearly.
EPS 1Y (TTM)-70.92%
EPS 3Y-20.47%
EPS 5Y-8.83%
EPS Q2Q%113.04%
Revenue 1Y (TTM)-0.95%
Revenue growth 3Y10.07%
Revenue growth 5Y3.07%
Sales Q2Q%-10.96%
3.2 Future
GHI is expected to show a very negative growth in Earnings Per Share. In the coming years, the EPS will decrease by -12.78% yearly.
GHI is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 0.10% yearly.
EPS Next Y-113.12%
EPS Next 2Y-12.78%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-2.59%
Revenue Next 2Y0.1%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
GHI is valuated quite expensively with a Price/Earnings ratio of 38.28.
Compared to the rest of the industry, the Price/Earnings ratio of GHI indicates a slightly more expensive valuation: GHI is more expensive than 69.39% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.51, GHI is valued a bit more expensive.
GHI is valuated reasonably with a Price/Forward Earnings ratio of 11.76.
GHI's Price/Forward Earnings ratio is in line with the industry average.
GHI's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 23.13.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 38.28 | ||
| Fwd PE | 11.76 |
4.2 Price Multiples
66.33% of the companies in the same industry are cheaper than GHI, based on the Enterprise Value to EBITDA ratio.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of GHI indicates a rather cheap valuation: GHI is cheaper than 94.90% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.84 | ||
| EV/EBITDA | 160.34 |
4.3 Compensation for Growth
GHI's earnings are expected to decrease with -12.78% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-12.78%
EPS Next 3YN/A
5. Dividend
5.1 Amount
GHI has a Yearly Dividend Yield of 14.22%, which is a nice return.
In the last 3 months the price of GHI has falen by -32.32%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
GHI's Dividend Yield is rather good when compared to the industry average which is at 2.36. GHI pays more dividend than 97.96% of the companies in the same industry.
GHI's Dividend Yield is rather good when compared to the S&P500 average which is at 2.00.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 14.22% |
5.2 History
The dividend of GHI decreases each year by -0.78%.
GHI has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)-0.78%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
GHI pays out 914.80% of its income as dividend. This is not a sustainable payout ratio.
GHI's earnings and Dividend Rate are declining. This means the current dividend is most likely not sustainable.
DP914.8%
EPS Next 2Y-12.78%
EPS Next 3YN/A
NYSE:GHI (12/31/2025, 8:04:00 PM)
6.89
+0.12 (+1.77%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners8.99%
Inst Owner ChangeN/A
Ins Owners2.23%
Ins Owner Change-0.3%
Market Cap162.47M
Revenue(TTM)92.98M
Net Income(TTM)4.04M
Analysts80
Price Target10.71 (55.44%)
Short Float %0.08%
Short Ratio0.11
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 14.22% |
Yearly Dividend1.62
Dividend Growth(5Y)-0.78%
DP914.8%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-150.98%
Min EPS beat(2)-216.81%
Max EPS beat(2)-85.15%
EPS beat(4)1
Avg EPS beat(4)-47.25%
Min EPS beat(4)-216.81%
Max EPS beat(4)169.41%
EPS beat(8)2
Avg EPS beat(8)-51.94%
EPS beat(12)4
Avg EPS beat(12)-11.05%
EPS beat(16)6
Avg EPS beat(16)-1.82%
Revenue beat(2)0
Avg Revenue beat(2)-10.29%
Min Revenue beat(2)-11.65%
Max Revenue beat(2)-8.93%
Revenue beat(4)1
Avg Revenue beat(4)-7.78%
Min Revenue beat(4)-14.05%
Max Revenue beat(4)3.51%
Revenue beat(8)1
Avg Revenue beat(8)-10.26%
Revenue beat(12)2
Avg Revenue beat(12)-9.53%
Revenue beat(16)5
Avg Revenue beat(16)-7.48%
PT rev (1m)0%
PT rev (3m)-21.25%
EPS NQ rev (1m)-52.17%
EPS NQ rev (3m)-67.16%
EPS NY rev (1m)-152.63%
EPS NY rev (3m)-115.5%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-12.55%
Revenue NY rev (1m)-2.89%
Revenue NY rev (3m)-6.85%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 38.28 | ||
| Fwd PE | 11.76 | ||
| P/S | 1.75 | ||
| P/FCF | 4.84 | ||
| P/OCF | 4.84 | ||
| P/B | 0.42 | ||
| P/tB | 0.42 | ||
| EV/EBITDA | 160.34 |
EPS(TTM)0.18
EY2.61%
EPS(NY)0.59
Fwd EY8.5%
FCF(TTM)1.42
FCFY20.65%
OCF(TTM)1.42
OCFY20.65%
SpS3.94
BVpS16.49
TBVpS16.49
PEG (NY)N/A
PEG (5Y)N/A
Graham Number8.17
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.27% | ||
| ROE | 1.04% | ||
| ROCE | 0.56% | ||
| ROIC | 0.44% | ||
| ROICexc | 0.46% | ||
| ROICexgc | 0.49% | ||
| OM | 7.94% | ||
| PM (TTM) | 4.34% | ||
| GM | 38.33% | ||
| FCFM | 36.08% |
ROA(3y)2.82%
ROA(5y)2.23%
ROE(3y)10.47%
ROE(5y)7.85%
ROIC(3y)1.09%
ROIC(5y)1.01%
ROICexc(3y)1.13%
ROICexc(5y)1.04%
ROICexgc(3y)1.17%
ROICexgc(5y)1.07%
ROCE(3y)1.38%
ROCE(5y)1.27%
ROICexgc growth 3Y-13.16%
ROICexgc growth 5Y-20.32%
ROICexc growth 3Y-14.27%
ROICexc growth 5Y-20.98%
OM growth 3Y-25.29%
OM growth 5Y-18.76%
PM growth 3Y-25.78%
PM growth 5Y-9.87%
GM growth 3Y-20.43%
GM growth 5Y-12.96%
F-Score6
Asset Turnover0.06
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.34 | ||
| Debt/FCF | 31.68 | ||
| Debt/EBITDA | 123.23 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 0.14 | ||
| Cash Conversion | 453.48% | ||
| Profit Quality | 830.94% | ||
| Current Ratio | 0.25 | ||
| Quick Ratio | 0.25 | ||
| Altman-Z | N/A |
F-Score6
WACC5.26%
ROIC/WACC0.08
Cap/Depr(3y)39.49%
Cap/Depr(5y)27.81%
Cap/Sales(3y)1%
Cap/Sales(5y)0.79%
Profit Quality(3y)60.84%
Profit Quality(5y)129.13%
High Growth Momentum
Growth
EPS 1Y (TTM)-70.92%
EPS 3Y-20.47%
EPS 5Y-8.83%
EPS Q2Q%113.04%
EPS Next Y-113.12%
EPS Next 2Y-12.78%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-0.95%
Revenue growth 3Y10.07%
Revenue growth 5Y3.07%
Sales Q2Q%-10.96%
Revenue Next Year-2.59%
Revenue Next 2Y0.1%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y928.01%
EBIT growth 3Y-17.77%
EBIT growth 5Y-16.27%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y70.8%
FCF growth 3Y-18.94%
FCF growth 5Y0.14%
OCF growth 1Y55.29%
OCF growth 3Y-19.06%
OCF growth 5Y0%
GREYSTONE HOUSING IMPACT INV / GHI FAQ
Can you provide the ChartMill fundamental rating for GREYSTONE HOUSING IMPACT INV?
ChartMill assigns a fundamental rating of 2 / 10 to GHI.
What is the valuation status of GREYSTONE HOUSING IMPACT INV (GHI) stock?
ChartMill assigns a valuation rating of 3 / 10 to GREYSTONE HOUSING IMPACT INV (GHI). This can be considered as Overvalued.
Can you provide the profitability details for GREYSTONE HOUSING IMPACT INV?
GREYSTONE HOUSING IMPACT INV (GHI) has a profitability rating of 2 / 10.
Can you provide the PE and PB ratios for GHI stock?
The Price/Earnings (PE) ratio for GREYSTONE HOUSING IMPACT INV (GHI) is 38.28 and the Price/Book (PB) ratio is 0.42.
What is the expected EPS growth for GREYSTONE HOUSING IMPACT INV (GHI) stock?
The Earnings per Share (EPS) of GREYSTONE HOUSING IMPACT INV (GHI) is expected to decline by -113.12% in the next year.