GREYSTONE HOUSING IMPACT INV (GHI) Stock Fundamental Analysis
USA - NYSE:GHI - US02364V2060
7.35 USD
-0.89 (-10.8%)
7.45 USD
+0.1 (+1.36%)
Taking everything into account, GHI scores 3 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 has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
In the past year GHI has reported negative net income.
In the past year GHI had a positive cash flow from operations.
Each year in the past 5 years GHI has been profitable.
GHI had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of GHI (-0.15%) is worse than 77.55% of its industry peers.
GHI has a worse Return On Equity (-0.57%) than 74.49% of its industry peers.
GHI has a worse Return On Invested Capital (0.53%) than 65.31% of its industry peers.
GHI had an Average Return On Invested Capital over the past 3 years of 1.09%. This is significantly below the industry average of 7.85%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.15% | ||
| ROE | -0.57% | ||
| ROIC | 0.53% |
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's Profit Margin has declined in the last couple of years.
Looking at the Operating Margin, with a value of 8.53%, GHI is in line with its industry, outperforming 40.82% 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 37.59% 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 | 8.53% | ||
| PM (TTM) | N/A | ||
| GM | 37.59% |
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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so GHI is destroying value.
The number of shares outstanding for GHI has been increased compared to 1 year ago.
The number of shares outstanding for GHI has been increased compared to 5 years ago.
Compared to 1 year ago, GHI has a worse debt to assets ratio.
2.2 Solvency
GHI has a debt to FCF ratio of 35.70. This is a negative value and a sign of low solvency as GHI would need 35.70 years to pay back of all of its debts.
GHI has a Debt to FCF ratio (35.70) which is comparable to the rest of the industry.
A Debt/Equity ratio of 2.19 is on the high side and indicates that GHI has dependencies on debt financing.
GHI has a Debt to Equity ratio of 2.19. This is in the lower half of the industry: GHI underperforms 68.37% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.19 | ||
| Debt/FCF | 35.7 | ||
| Altman-Z | N/A |
ROIC/WACC0.1
WACC5.13%
2.3 Liquidity
GHI has a Current Ratio of 0.20. 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 Current ratio of 0.20. This is in the lower half of the industry: GHI underperforms 70.41% of its industry peers.
GHI has a Quick Ratio of 0.20. This is a bad value and indicates that GHI is not financially healthy enough and could expect problems in meeting its short term obligations.
Looking at the Quick ratio, with a value of 0.20, GHI is doing worse than 70.41% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.2 | ||
| Quick Ratio | 0.2 |
3. Growth
3.1 Past
The earnings per share for GHI have decreased strongly by -106.47% in the last year.
GHI shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -8.83% yearly.
GHI shows a decrease in Revenue. In the last year, the revenue decreased by -0.37%.
The Revenue has been growing slightly by 3.07% on average over the past years.
EPS 1Y (TTM)-106.47%
EPS 3Y-20.47%
EPS 5Y-8.83%
EPS Q2Q%-284.21%
Revenue 1Y (TTM)-0.37%
Revenue growth 3Y10.07%
Revenue growth 5Y3.07%
Sales Q2Q%7.38%
3.2 Future
Based on estimates for the next years, GHI will show a very strong growth in Earnings Per Share. The EPS will grow by 37.20% on average per year.
GHI is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.84% yearly.
EPS Next Y-15.4%
EPS Next 2Y37.2%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year4.58%
Revenue Next 2Y4.84%
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 accelerating.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
GHI reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
GHI is valuated cheaply with a Price/Forward Earnings ratio of 5.07.
Based on the Price/Forward Earnings ratio, GHI is valued cheaper than 83.67% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 31.86. GHI is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 5.07 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of GHI indicates a slightly more expensive valuation: GHI is more expensive than 67.35% of the companies listed in the same industry.
86.73% of the companies in the same industry are more expensive than GHI, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.76 | ||
| EV/EBITDA | 149.27 |
4.3 Compensation for Growth
A more expensive valuation may be justified as GHI's earnings are expected to grow with 37.20% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y37.2%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 14.53%, GHI is a good candidate for dividend investing.
The stock price of GHI dropped by -28.78% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
Compared to an average industry Dividend Yield of 4.92, GHI pays a better dividend. On top of this GHI pays more dividend than 98.98% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.40, GHI pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 14.53% |
5.2 History
The dividend of GHI decreases each year by -0.78%.
GHI has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)-0.78%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
GHI has negative earnings and hence a negative payout ratio. The dividend may be in danger.
DP-1762.3%
EPS Next 2Y37.2%
EPS Next 3YN/A
7.35
-0.89 (-10.8%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners8.79%
Inst Owner ChangeN/A
Ins Owners2.22%
Ins Owner Change25.08%
Market Cap173.31M
Revenue(TTM)95.65M
Net Income(TTM)-2162700
Analysts82.86
Price Target13.6 (85.03%)
Short Float %0.19%
Short Ratio0.61
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 14.53% |
Yearly Dividend1.62
Dividend Growth(5Y)-0.78%
DP-1762.3%
Div Incr Years0
Div Non Decr Years0
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-136.62%
Min EPS beat(2)-216.81%
Max EPS beat(2)-56.44%
EPS beat(4)1
Avg EPS beat(4)-72.31%
Min EPS beat(4)-216.81%
Max EPS beat(4)169.41%
EPS beat(8)3
Avg EPS beat(8)-22.23%
EPS beat(12)5
Avg EPS beat(12)-0.85%
EPS beat(16)7
Avg EPS beat(16)4.17%
Revenue beat(2)1
Avg Revenue beat(2)-2.71%
Min Revenue beat(2)-8.93%
Max Revenue beat(2)3.51%
Revenue beat(4)1
Avg Revenue beat(4)-6.61%
Min Revenue beat(4)-14.05%
Max Revenue beat(4)3.51%
Revenue beat(8)1
Avg Revenue beat(8)-9.44%
Revenue beat(12)3
Avg Revenue beat(12)-8.48%
Revenue beat(16)5
Avg Revenue beat(16)-8.22%
PT rev (1m)0%
PT rev (3m)-10.11%
EPS NQ rev (1m)0%
EPS NQ rev (3m)5.17%
EPS NY rev (1m)0%
EPS NY rev (3m)-43.59%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.74%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.75%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 5.07 | ||
| P/S | 1.81 | ||
| P/FCF | 5.76 | ||
| P/OCF | 5.76 | ||
| P/B | 0.46 | ||
| P/tB | 0.46 | ||
| EV/EBITDA | 149.27 |
EPS(TTM)-0.08
EYN/A
EPS(NY)1.45
Fwd EY19.72%
FCF(TTM)1.28
FCFY17.36%
OCF(TTM)1.28
OCFY17.36%
SpS4.06
BVpS15.95
TBVpS15.95
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.15% | ||
| ROE | -0.57% | ||
| ROCE | 0.67% | ||
| ROIC | 0.53% | ||
| ROICexc | 0.55% | ||
| ROICexgc | 0.59% | ||
| OM | 8.53% | ||
| PM (TTM) | N/A | ||
| GM | 37.59% | ||
| FCFM | 31.46% |
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-Score5
Asset Turnover0.06
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.19 | ||
| Debt/FCF | 35.7 | ||
| Debt/EBITDA | 100.66 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 0.15 | ||
| Cash Conversion | 367.82% | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.2 | ||
| Quick Ratio | 0.2 | ||
| Altman-Z | N/A |
F-Score5
WACC5.13%
ROIC/WACC0.1
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)-106.47%
EPS 3Y-20.47%
EPS 5Y-8.83%
EPS Q2Q%-284.21%
EPS Next Y-15.4%
EPS Next 2Y37.2%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-0.37%
Revenue growth 3Y10.07%
Revenue growth 5Y3.07%
Sales Q2Q%7.38%
Revenue Next Year4.58%
Revenue Next 2Y4.84%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y68.34%
EBIT growth 3Y-17.77%
EBIT growth 5Y-16.27%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y69.14%
FCF growth 3Y-18.94%
FCF growth 5Y0.14%
OCF growth 1Y51.7%
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 3 / 10 to GHI.
Can you provide the valuation status for GREYSTONE HOUSING IMPACT INV?
ChartMill assigns a valuation rating of 5 / 10 to GREYSTONE HOUSING IMPACT INV (GHI). This can be considered as Fairly Valued.
Can you provide the profitability details for GREYSTONE HOUSING IMPACT INV?
GREYSTONE HOUSING IMPACT INV (GHI) has a profitability rating of 2 / 10.
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 -15.4% in the next year.
Is the dividend of GREYSTONE HOUSING IMPACT INV sustainable?
The dividend rating of GREYSTONE HOUSING IMPACT INV (GHI) is 5 / 10 and the dividend payout ratio is -1762.3%.