GREYSTONE HOUSING IMPACT INV (GHI) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:GHI - US02364V2060
7.71 USD
-0.25 (-3.14%)
7.6501 USD
-0.06 (-0.78%)
We assign a fundamental rating of 2 out of 10 to GHI. GHI was compared to 97 industry peers in the Financial Services industry. GHI has a bad profitability rating. Also its financial health evaluation is rather negative. GHI does not seem to be growing, but still is valued expensively.
1. Profitability
1.1 Basic Checks
- GHI had positive earnings in the past year.
- In the past year GHI had a positive cash flow from operations.
- GHI had positive earnings in each of the past 5 years.
- Each year in the past 5 years GHI had a positive operating cash flow.
1.2 Ratios
- GHI's Return On Assets of 0.27% is on the low side compared to the rest of the industry. GHI is outperformed by 65.98% of its industry peers.
- GHI has a Return On Equity of 1.04%. This is in the lower half of the industry: GHI underperforms 68.04% of its industry peers.
- Looking at the Return On Invested Capital, with a value of 0.44%, GHI is doing worse than 63.92% of the companies in the same industry.
- Measured over the past 3 years, the Average Return On Invested Capital for GHI is significantly below the industry average of 8.46%.
| 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
- GHI has a worse Profit Margin (4.34%) than 61.86% of its industry peers.
- 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 61.86% of the companies in the same industry.
- GHI's Operating Margin has declined in the last couple of years.
- Looking at the Gross Margin, with a value of 38.33%, GHI is in line with its industry, outperforming 54.64% of the companies in the same industry.
- 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
- GHI has a worse debt/assets ratio than last year.
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.
- The Debt to FCF ratio of GHI (31.68) is worse than 60.82% 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.
- GHI has a worse Debt to Equity ratio (2.34) than 70.10% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.34 | ||
| Debt/FCF | 31.68 | ||
| Altman-Z | N/A |
ROIC/WACC0.08
WACC5.43%
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.
- The Current ratio of GHI (0.25) is worse than 67.01% of its industry peers.
- GHI has a Quick 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 Quick ratio of 0.25. This is in the lower half of the industry: GHI underperforms 67.01% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.25 | ||
| Quick Ratio | 0.25 |
3. Growth
3.1 Past
- The earnings per share for GHI have decreased strongly by -70.92% in the last year.
- 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.
- Looking at the last year, GHI shows a decrease in Revenue. The Revenue has decreased by -0.95% in the last 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.
- Based on estimates for the next years, GHI will show a small growth in Revenue. The Revenue will grow by 0.10% on average per year.
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
- The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 42.83, the valuation of GHI can be described as expensive.
- Compared to the rest of the industry, the Price/Earnings ratio of GHI indicates a slightly more expensive valuation: GHI is more expensive than 70.10% of the companies listed in the same industry.
- Compared to an average S&P500 Price/Earnings ratio of 28.60, GHI is valued a bit more expensive.
- With a Price/Forward Earnings ratio of 13.16, GHI is valued correctly.
- GHI's Price/Forward Earnings is on the same level as the industry average.
- GHI is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 25.83, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 42.83 | ||
| Fwd PE | 13.16 |
4.2 Price Multiples
- 65.98% of the companies in the same industry are cheaper than GHI, based on the Enterprise Value to EBITDA ratio.
- Based on the Price/Free Cash Flow ratio, GHI is valued cheaper than 93.81% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.42 | ||
| EV/EBITDA | 163.34 |
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 12.33%, which is a nice return.
- GHI's Dividend Yield is rather good when compared to the industry average which is at 2.09. GHI pays more dividend than 97.94% of the companies in the same industry.
- GHI's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 12.33% |
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.
- The Dividend Rate of GHI has been decling, while earnings will also be declining. This means the current dividend is most likely not sustainable.
DP914.8%
EPS Next 2Y-12.78%
EPS Next 3YN/A
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 42.83 and the Price/Book (PB) ratio is 0.47.
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.