GREYSTONE HOUSING IMPACT INV (GHI) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:GHI - US02364V2060
6.68 USD
-0.06 (-0.89%)
We assign a fundamental rating of 2 out of 10 to GHI. 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 valuation in line with the averages, but it does not seem to be growing.
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 -0.15% is on the low side compared to the rest of the industry. GHI is outperformed by 74.49% of its industry peers.
GHI has a Return On Equity of -0.57%. This is in the lower half of the industry: GHI underperforms 74.49% of its industry peers.
GHI's Return On Invested Capital of 0.53% is on the low side compared to the rest of the industry. GHI is outperformed by 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 8.20%.
| 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.
The Operating Margin of GHI (8.53%) is worse than 62.24% of its industry peers.
GHI's Operating Margin has declined in the last couple of years.
GHI has a Gross Margin (37.59%) which is in line with its industry peers.
In the last couple of years the Gross Margin of GHI has declined.
| 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
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
The debt/assets ratio for GHI is higher compared to a year ago.
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.
Looking at the Debt to FCF ratio, with a value of 35.70, GHI is doing worse than 61.22% of the companies in the same industry.
A Debt/Equity ratio of 2.19 is on the high side and indicates that GHI has dependencies on debt financing.
GHI's Debt to Equity ratio of 2.19 is on the low side compared to the rest of the industry. GHI is outperformed by 69.39% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.19 | ||
| Debt/FCF | 35.7 | ||
| Altman-Z | N/A |
ROIC/WACC0.1
WACC5.17%
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.
The Current ratio of GHI (0.20) is worse than 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
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.
GHI shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -12.99%.
The Revenue has been growing slightly by 3.07% on average over the past years.
EPS 1Y (TTM)-70.92%
EPS 3Y-20.47%
EPS 5Y-8.83%
EPS Q2Q%113.04%
Revenue 1Y (TTM)-12.99%
Revenue growth 3Y10.07%
Revenue growth 5Y3.07%
Sales Q2Q%-10.96%
3.2 Future
The Earnings Per Share is expected to grow by 12.22% on average over the next years. This is quite good.
GHI is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.81% yearly.
EPS Next Y-75.08%
EPS Next 2Y12.22%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year0.32%
Revenue Next 2Y2.81%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 37.11, GHI can be considered very expensive at the moment.
Based on the Price/Earnings ratio, GHI is valued a bit more expensive than 71.43% of the companies in the same industry.
When comparing the Price/Earnings ratio of GHI to the average of the S&P500 Index (26.46), we can say GHI is valued slightly more expensively.
Based on the Price/Forward Earnings ratio of 6.89, the valuation of GHI can be described as very cheap.
GHI's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. GHI is cheaper than 75.51% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 36.10, GHI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 37.11 | ||
| Fwd PE | 6.89 |
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 68.37% of the companies listed in the same industry.
93.88% 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 | 5.23 | ||
| EV/EBITDA | 144.95 |
4.3 Compensation for Growth
A more expensive valuation may be justified as GHI's earnings are expected to grow with 12.22% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y12.22%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 17.80%, GHI is a good candidate for dividend investing.
In the last 3 months the price of GHI has falen by -38.94%. 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 4.97. GHI pays more dividend than 97.96% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.32, GHI pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 17.8% |
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 has negative earnings and hence a negative payout ratio. The dividend may be in danger.
DP-1762.3%
EPS Next 2Y12.22%
EPS Next 3YN/A
NYSE:GHI (12/5/2025, 8:24:33 PM)
6.68
-0.06 (-0.89%)
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 Change24.94%
Market Cap157.51M
Revenue(TTM)91.27M
Net Income(TTM)-2.16M
Analysts80
Price Target10.71 (60.33%)
Short Float %0.09%
Short Ratio0.16
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 17.8% |
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)-21.25%
PT rev (3m)-21.25%
EPS NQ rev (1m)-34.43%
EPS NQ rev (3m)-31.03%
EPS NY rev (1m)-70.54%
EPS NY rev (3m)-83.38%
Revenue NQ rev (1m)-7.85%
Revenue NQ rev (3m)-10.37%
Revenue NY rev (1m)-4.07%
Revenue NY rev (3m)-5.76%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 37.11 | ||
| Fwd PE | 6.89 | ||
| P/S | 1.65 | ||
| P/FCF | 5.23 | ||
| P/OCF | 5.23 | ||
| P/B | 0.42 | ||
| P/tB | 0.42 | ||
| EV/EBITDA | 144.95 |
EPS(TTM)0.18
EY2.69%
EPS(NY)0.97
Fwd EY14.51%
FCF(TTM)1.28
FCFY19.1%
OCF(TTM)1.28
OCFY19.1%
SpS4.06
BVpS15.95
TBVpS15.95
PEG (NY)N/A
PEG (5Y)N/A
Graham Number8.04
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
WACC5.17%
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)-70.92%
EPS 3Y-20.47%
EPS 5Y-8.83%
EPS Q2Q%113.04%
EPS Next Y-75.08%
EPS Next 2Y12.22%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-12.99%
Revenue growth 3Y10.07%
Revenue growth 5Y3.07%
Sales Q2Q%-10.96%
Revenue Next Year0.32%
Revenue Next 2Y2.81%
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 2 / 10 to GHI.
Can you provide the valuation status for GREYSTONE HOUSING IMPACT INV?
ChartMill assigns a valuation rating of 4 / 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 -75.08% 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%.