GREYSTONE HOUSING IMPACT INV (GHI) Stock Fundamental Analysis
NYSE:GHI - New York Stock Exchange, Inc. - US02364V2060 - Currency: USD
Taking everything into account, GHI scores 3 out of 10 in our fundamental rating. GHI was compared to 100 industry peers in the Financial Services industry. GHI may be in some trouble as it scores bad on both profitability and health. GHI is not valued too expensively and it also shows a decent growth rate.
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.
Each year in the past 5 years GHI has been profitable.
In the past 5 years GHI always reported a positive cash flow from operatings.
1.2 Ratios
GHI has a Return On Assets of 0.67%. This is in the lower half of the industry: GHI underperforms 61.00% of its industry peers.
GHI's Return On Equity of 2.64% is on the low side compared to the rest of the industry. GHI is outperformed by 70.00% of its industry peers.
Looking at the Return On Invested Capital, with a value of 0.94%, GHI is doing worse than 63.00% of the companies in the same industry.
GHI had an Average Return On Invested Capital over the past 3 years of 1.09%. This is significantly below the industry average of 11.84%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.67% | ||
| ROE | 2.64% | ||
| ROIC | 0.94% |
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 Profit Margin (11.00%) which is comparable to the rest of the industry.
GHI's Profit Margin has declined in the last couple of years.
GHI has a Operating Margin (15.69%) which is comparable to the rest of the industry.
GHI's Operating Margin has declined in the last couple of years.
Looking at the Gross Margin, with a value of 35.80%, GHI is in line with its industry, outperforming 51.00% of the companies in the same industry.
GHI's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 15.69% | ||
| PM (TTM) | 11% | ||
| GM | 35.8% |
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.
GHI has more shares outstanding than it did 5 years ago.
GHI has a worse debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of GHI is 44.68, which is on the high side as it means it would take GHI, 44.68 years of fcf income to pay off all of its debts.
GHI has a Debt to FCF ratio of 44.68. This is comparable to the rest of the industry: GHI outperforms 44.00% of its industry peers.
A Debt/Equity ratio of 2.15 is on the high side and indicates that GHI has dependencies on debt financing.
The Debt to Equity ratio of GHI (2.15) is worse than 65.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.15 | ||
| Debt/FCF | 44.68 | ||
| Altman-Z | N/A |
ROIC/WACC0.19
WACC5.01%
2.3 Liquidity
A Current Ratio of 0.20 indicates that GHI may have some problems paying its short term obligations.
The Current ratio of GHI (0.20) is worse than 72.00% of its industry peers.
A Quick Ratio of 0.20 indicates that GHI may have some problems paying its short term obligations.
GHI has a worse Quick ratio (0.20) than 72.00% of its industry peers.
| 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 -75.66%.
The Earnings Per Share has been decreasing by -8.83% on average over the past years.
The Revenue has decreased by -8.12% 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)-75.66%
EPS 3Y-20.47%
EPS 5Y-8.83%
EPS Q2Q%-73.81%
Revenue 1Y (TTM)-8.12%
Revenue growth 3Y10.07%
Revenue growth 5Y3.07%
Sales Q2Q%12.31%
3.2 Future
GHI is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 40.27% yearly.
Based on estimates for the next years, GHI will show a small growth in Revenue. The Revenue will grow by 5.35% on average per year.
EPS Next Y49.97%
EPS Next 2Y40.27%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year6.44%
Revenue Next 2Y5.35%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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
Based on the Price/Earnings ratio of 24.61, the valuation of GHI can be described as rather 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 68.00% of the companies listed in the same industry.
GHI is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 27.15, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 7.47 indicates a rather cheap valuation of GHI.
72.00% of the companies in the same industry are more expensive than GHI, based on the Price/Forward Earnings ratio.
GHI's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.60.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 24.61 | ||
| Fwd PE | 7.47 |
4.2 Price Multiples
GHI's Enterprise Value to EBITDA ratio is a bit more expensive when compared to the industry. GHI is more expensive than 69.00% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, GHI is valued a bit cheaper than the industry average as 72.00% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.61 | ||
| EV/EBITDA | 90.89 |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
GHI's earnings are expected to grow with 40.27% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.49
PEG (5Y)N/A
EPS Next 2Y40.27%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 9.97%, GHI is a good candidate for dividend investing.
GHI's Dividend Yield is rather good when compared to the industry average which is at 4.97. GHI pays more dividend than 95.00% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.42, GHI pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.97% |
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
367.77% of the earnings are spent on dividend by GHI. This is not a sustainable payout ratio.
DP367.77%
EPS Next 2Y40.27%
EPS Next 3YN/A
NYSE:GHI (6/30/2025, 4:10:03 PM)
11.32
-0.59 (-4.95%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners9.06%
Inst Owner ChangeN/A
Ins Owners1.76%
Ins Owner Change55.73%
Market Cap264.89M
Analysts82.86
Price Target15.13 (33.66%)
Short Float %0.08%
Short Ratio0.43
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.97% |
Yearly Dividend1.62
Dividend Growth(5Y)-0.78%
DP367.77%
Div Incr Years0
Div Non Decr Years0
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)56.48%
Min EPS beat(2)-56.44%
Max EPS beat(2)169.41%
EPS beat(4)1
Avg EPS beat(4)-29.92%
Min EPS beat(4)-185.39%
Max EPS beat(4)169.41%
EPS beat(8)4
Avg EPS beat(8)33.35%
EPS beat(12)5
Avg EPS beat(12)16.43%
EPS beat(16)7
Avg EPS beat(16)17.22%
Revenue beat(2)1
Avg Revenue beat(2)-5.27%
Min Revenue beat(2)-14.05%
Max Revenue beat(2)3.51%
Revenue beat(4)1
Avg Revenue beat(4)-9.34%
Min Revenue beat(4)-19.88%
Max Revenue beat(4)3.51%
Revenue beat(8)2
Avg Revenue beat(8)-7.94%
Revenue beat(12)3
Avg Revenue beat(12)-9.57%
Revenue beat(16)5
Avg Revenue beat(16)-8.77%
PT rev (1m)-5.32%
PT rev (3m)-10.78%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-28.94%
EPS NY rev (1m)-8.04%
EPS NY rev (3m)-22.09%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.49%
Revenue NY rev (1m)1.28%
Revenue NY rev (3m)0.78%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 24.61 | ||
| Fwd PE | 7.47 | ||
| P/S | 2.82 | ||
| P/FCF | 10.61 | ||
| P/OCF | 10.61 | ||
| P/B | 0.68 | ||
| P/tB | 0.68 | ||
| EV/EBITDA | 90.89 |
EPS(TTM)0.46
EY4.06%
EPS(NY)1.52
Fwd EY13.38%
FCF(TTM)1.07
FCFY9.42%
OCF(TTM)1.07
OCFY9.42%
SpS4.02
BVpS16.75
TBVpS16.75
PEG (NY)0.49
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.67% | ||
| ROE | 2.64% | ||
| ROCE | 1.19% | ||
| ROIC | 0.94% | ||
| ROICexc | 0.98% | ||
| ROICexgc | 1.03% | ||
| OM | 15.69% | ||
| PM (TTM) | 11% | ||
| GM | 35.8% | ||
| FCFM | 26.55% |
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%
ROICexcg growth 3Y-13.16%
ROICexcg 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-Score4
Asset Turnover0.06
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.15 | ||
| Debt/FCF | 44.68 | ||
| Debt/EBITDA | 57.01 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 0.28 | ||
| Cash Conversion | 168.99% | ||
| Profit Quality | 241.3% | ||
| Current Ratio | 0.2 | ||
| Quick Ratio | 0.2 | ||
| Altman-Z | N/A |
F-Score4
WACC5.01%
ROIC/WACC0.19
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)-75.66%
EPS 3Y-20.47%
EPS 5Y-8.83%
EPS Q2Q%-73.81%
EPS Next Y49.97%
EPS Next 2Y40.27%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-8.12%
Revenue growth 3Y10.07%
Revenue growth 5Y3.07%
Sales Q2Q%12.31%
Revenue Next Year6.44%
Revenue Next 2Y5.35%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-11.06%
EBIT growth 3Y-17.77%
EBIT growth 5Y-16.27%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y147.07%
FCF growth 3Y-18.94%
FCF growth 5Y0.14%
OCF growth 1Y107.69%
OCF growth 3Y-19.06%
OCF growth 5Y0%