GREYSTONE HOUSING IMPACT INV (GHI) Fundamental Analysis & Valuation

NYSE:GHI • US02364V2060

Current stock price

5.44 USD
+0.04 (+0.74%)
Last:

This GHI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. GHI Profitability Analysis

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.
  • Of the past 5 years GHI 4 years were profitable.
  • GHI had a positive operating cash flow in each of the past 5 years.
GHI Yearly Net Income VS EBIT VS OCF VS FCFGHI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20M 40M 60M

1.2 Ratios

  • GHI has a Return On Assets of -0.80%. This is in the lower half of the industry: GHI underperforms 76.00% of its industry peers.
  • GHI has a worse Return On Equity (-3.17%) than 76.00% of its industry peers.
  • GHI's Return On Invested Capital of 0.41% is on the low side compared to the rest of the industry. GHI is outperformed by 63.00% of its industry peers.
  • GHI had an Average Return On Invested Capital over the past 3 years of 0.74%. This is significantly below the industry average of 7.99%.
Industry RankSector Rank
ROA -0.8%
ROE -3.17%
ROIC 0.41%
ROA(3y)1.14%
ROA(5y)2%
ROE(3y)4.12%
ROE(5y)7.03%
ROIC(3y)0.74%
ROIC(5y)1.01%
GHI Yearly ROA, ROE, ROICGHI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 10 15

1.3 Margins

  • GHI has a Operating Margin (7.27%) which is comparable to the rest of the industry.
  • GHI's Operating Margin has declined in the last couple of years.
  • GHI has a Gross Margin of 40.99%. This is comparable to the rest of the industry: GHI outperforms 59.00% of its industry peers.
  • GHI's Gross Margin has declined in the last couple of years.
Industry RankSector Rank
OM 7.27%
PM (TTM) N/A
GM 40.99%
OM growth 3Y-38.81%
OM growth 5Y-7.31%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-13.08%
GM growth 5Y-7.88%
GHI Yearly Profit, Operating, Gross MarginsGHI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 40 60 80

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1

2. GHI Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), 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.
  • The debt/assets ratio for GHI has been reduced compared to a year ago.
GHI Yearly Shares OutstandingGHI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M
GHI Yearly Total Debt VS Total AssetsGHI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B

2.2 Solvency

  • The Debt to FCF ratio of GHI is 29.20, which is on the high side as it means it would take GHI, 29.20 years of fcf income to pay off all of its debts.
  • GHI has a Debt to FCF ratio of 29.20. This is comparable to the rest of the industry: GHI outperforms 46.00% of its industry peers.
  • GHI has a Debt/Equity ratio of 2.13. This is a high value indicating a heavy dependency on external financing.
  • GHI has a worse Debt to Equity ratio (2.13) than 66.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.13
Debt/FCF 29.2
Altman-Z N/A
ROIC/WACC0.09
WACC4.75%
GHI Yearly LT Debt VS Equity VS FCFGHI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M

2.3 Liquidity

  • A Current Ratio of 0.15 indicates that GHI may have some problems paying its short term obligations.
  • Looking at the Current ratio, with a value of 0.15, GHI is doing worse than 70.00% of the companies in the same industry.
  • GHI has a Quick Ratio of 0.15. 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 Quick ratio of GHI (0.15) is worse than 70.00% of its industry peers.
Industry RankSector Rank
Current Ratio 0.15
Quick Ratio 0.15
GHI Yearly Current Assets VS Current LiabilitesGHI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. GHI Growth Analysis

3.1 Past

  • GHI shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -149.35%.
  • GHI shows a decrease in Revenue. In the last year, the revenue decreased by -6.44%.
  • The Revenue has been growing by 8.99% on average over the past years. This is quite good.
EPS 1Y (TTM)-149.35%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-143.59%
Revenue 1Y (TTM)-6.44%
Revenue growth 3Y1.74%
Revenue growth 5Y8.99%
Sales Q2Q%-24.05%

3.2 Future

  • The Earnings Per Share is expected to grow by 93.76% on average over the next years. This is a very strong growth
  • Based on estimates for the next years, GHI will show a decrease in Revenue. The Revenue will decrease by -8.05% on average per year.
EPS Next Y246.18%
EPS Next 2Y93.76%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-3.04%
Revenue Next 2Y-8.05%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
GHI Yearly Revenue VS EstimatesGHI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 20M 40M 60M 80M 100M
GHI Yearly EPS VS EstimatesGHI Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 1 2

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5

4. GHI Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings Ratio is negative for GHI. In the last year negative earnings were reported.
  • The Price/Forward Earnings ratio is 9.79, which indicates a very decent valuation of GHI.
  • GHI's Price/Forward Earnings ratio is in line with the industry average.
  • GHI's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.41.
Industry RankSector Rank
PE N/A
Fwd PE 9.79
GHI Price Earnings VS Forward Price EarningsGHI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 10 -10 20

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, GHI is valued a bit more expensive than 63.00% of the companies in the same industry.
  • 98.00% of the companies in the same industry are more expensive than GHI, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 3.42
EV/EBITDA 190.73
GHI Per share dataGHI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10 15

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 93.76% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y93.76%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. GHI Dividend Analysis

5.1 Amount

  • GHI has a Yearly Dividend Yield of 10.37%, which is a nice return.
  • The stock price of GHI dropped by -31.40% 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.
  • GHI's Dividend Yield is rather good when compared to the industry average which is at 1.86. GHI pays more dividend than 98.00% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.80, GHI pays a better dividend.
Industry RankSector Rank
Dividend Yield 10.37%

5.2 History

  • The dividend of GHI has a limited annual growth rate of 4.67%.
  • GHI has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)4.67%
Div Incr Years0
Div Non Decr Years0
GHI Yearly Dividends per shareGHI Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5 2

5.3 Sustainability

  • GHI has negative earnings and hence a negative payout ratio. The dividend may be in danger.
  • GHI's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP-296.01%
EPS Next 2Y93.76%
EPS Next 3YN/A
GHI Yearly Income VS Free CF VS DividendGHI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20M 40M 60M

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GHI Fundamentals: All Metrics, Ratios and Statistics

GREYSTONE HOUSING IMPACT INV

NYSE:GHI (5/1/2026, 8:04:00 PM)

5.44

+0.04 (+0.74%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Industry Strength39.75
Industry Growth67.08
Earnings (Last)03-16
Earnings (Next)05-12
Inst Owners10.58%
Inst Owner ChangeN/A
Ins Owners2.23%
Ins Owner Change-0.3%
Market Cap128.28M
Revenue(TTM)85.39M
Net Income(TTM)-12.05M
Analysts76.67
Price Target7.14 (31.25%)
Short Float %1.17%
Short Ratio1.92
Dividend
Industry RankSector Rank
Dividend Yield 10.37%
Yearly Dividend1.52
Dividend Growth(5Y)4.67%
DP-296.01%
Div Incr Years0
Div Non Decr Years0
Ex-Date03-31
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-169.08%
Min EPS beat(2)-253.01%
Max EPS beat(2)-85.15%
EPS beat(4)0
Avg EPS beat(4)-152.85%
Min EPS beat(4)-253.01%
Max EPS beat(4)-56.44%
EPS beat(8)2
Avg EPS beat(8)-75.08%
EPS beat(12)4
Avg EPS beat(12)-26.21%
EPS beat(16)6
Avg EPS beat(16)-17.3%
Revenue beat(2)0
Avg Revenue beat(2)-20.94%
Min Revenue beat(2)-30.24%
Max Revenue beat(2)-11.65%
Revenue beat(4)1
Avg Revenue beat(4)-11.83%
Min Revenue beat(4)-30.24%
Max Revenue beat(4)3.51%
Revenue beat(8)1
Avg Revenue beat(8)-12.15%
Revenue beat(12)2
Avg Revenue beat(12)-11.46%
Revenue beat(16)4
Avg Revenue beat(16)-9.91%
PT rev (1m)0%
PT rev (3m)-33.33%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-7.69%
EPS NY rev (1m)-5.17%
EPS NY rev (3m)-5.17%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-5.05%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-5.74%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 9.79
P/S 1.5
P/FCF 3.42
P/OCF 3.42
P/B 0.34
P/tB 0.34
EV/EBITDA 190.73
EPS(TTM)-0.38
EYN/A
EPS(NY)0.56
Fwd EY10.21%
FCF(TTM)1.59
FCFY29.26%
OCF(TTM)1.59
OCFY29.26%
SpS3.62
BVpS16.1
TBVpS16.1
PEG (NY)N/A
PEG (5Y)N/A
Graham Number0 (-100%)
Profitability
Industry RankSector Rank
ROA -0.8%
ROE -3.17%
ROCE 0.52%
ROIC 0.41%
ROICexc 0.42%
ROICexgc 0.46%
OM 7.27%
PM (TTM) N/A
GM 40.99%
FCFM 43.96%
ROA(3y)1.14%
ROA(5y)2%
ROE(3y)4.12%
ROE(5y)7.03%
ROIC(3y)0.74%
ROIC(5y)1.01%
ROICexc(3y)0.76%
ROICexc(5y)1.04%
ROICexgc(3y)0.8%
ROICexgc(5y)1.08%
ROCE(3y)0.94%
ROCE(5y)1.27%
ROICexgc growth 3Y-33.55%
ROICexgc growth 5Y1.72%
ROICexc growth 3Y-34.83%
ROICexc growth 5Y0.08%
OM growth 3Y-38.81%
OM growth 5Y-7.31%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-13.08%
GM growth 5Y-7.88%
F-Score4
Asset Turnover0.06
Health
Industry RankSector Rank
Debt/Equity 2.13
Debt/FCF 29.2
Debt/EBITDA 130.17
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 0.12
Cash Conversion 604.16%
Profit Quality N/A
Current Ratio 0.15
Quick Ratio 0.15
Altman-Z N/A
F-Score4
WACC4.75%
ROIC/WACC0.09
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-149.35%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-143.59%
EPS Next Y246.18%
EPS Next 2Y93.76%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-6.44%
Revenue growth 3Y1.74%
Revenue growth 5Y8.99%
Sales Q2Q%-24.05%
Revenue Next Year-3.04%
Revenue Next 2Y-8.05%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-50.76%
EBIT growth 3Y-37.74%
EBIT growth 5Y1.02%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y108.59%
FCF growth 3Y24.78%
FCF growth 5Y19.47%
OCF growth 1Y108.59%
OCF growth 3Y21.11%
OCF growth 5Y18.83%

GREYSTONE HOUSING IMPACT INV / GHI Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for GREYSTONE HOUSING IMPACT INV?

ChartMill assigns a fundamental rating of 3 / 10 to GHI.


What is the valuation status of GREYSTONE HOUSING IMPACT INV (GHI) stock?

ChartMill assigns a valuation rating of 5 / 10 to GREYSTONE HOUSING IMPACT INV (GHI). This can be considered as Fairly Valued.


What is the profitability of GHI stock?

GREYSTONE HOUSING IMPACT INV (GHI) has a profitability rating of 2 / 10.


Can you provide the dividend sustainability for GHI stock?

The dividend rating of GREYSTONE HOUSING IMPACT INV (GHI) is 6 / 10 and the dividend payout ratio is -296.01%.