GREYSTONE HOUSING IMPACT INV (GHI) Stock Fundamental Analysis
NYSE:GHI - New York Stock Exchange, Inc. - US02364V2060 - Currency: USD
GHI gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 101 industry peers in the Financial Services industry. Both the profitability and financial health of GHI have multiple concerns. GHI is valued correctly, 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.
Each year in the past 5 years GHI has been profitable.
Each year in the past 5 years GHI had a positive operating cash flow.
1.2 Ratios
The Return On Assets of GHI (1.11%) is worse than 60.40% of its industry peers.
GHI's Return On Equity of 4.59% is on the low side compared to the rest of the industry. GHI is outperformed by 67.33% of its industry peers.
GHI has a worse Return On Invested Capital (0.88%) than 64.36% 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 7.51%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.11% | ||
| ROE | 4.59% | ||
| ROIC | 0.88% |
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 of 19.27%. This is in the better half of the industry: GHI outperforms 69.31% of its industry peers.
In the last couple of years the Profit Margin of GHI has declined.
Looking at the Operating Margin, with a value of 13.80%, GHI is in line with its industry, outperforming 45.54% of the companies in the same industry.
In the last couple of years the Operating Margin of GHI has declined.
GHI has a Gross Margin (34.23%) 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 | 13.8% | ||
| PM (TTM) | 19.27% | ||
| GM | 34.23% |
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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), GHI is destroying value.
Compared to 1 year ago, GHI has more shares outstanding
Compared to 5 years ago, GHI has more shares outstanding
GHI has a worse debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of GHI is 64.68, which is on the high side as it means it would take GHI, 64.68 years of fcf income to pay off all of its debts.
GHI has a Debt to FCF ratio (64.68) which is in line with its industry peers.
A Debt/Equity ratio of 1.93 is on the high side and indicates that GHI has dependencies on debt financing.
GHI has a worse Debt to Equity ratio (1.93) than 65.35% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.93 | ||
| Debt/FCF | 64.68 | ||
| Altman-Z | N/A |
ROIC/WACC0.14
WACC6.3%
2.3 Liquidity
A Current Ratio of 0.05 indicates that GHI may have some problems paying its short term obligations.
With a Current ratio value of 0.05, GHI is not doing good in the industry: 81.19% of the companies in the same industry are doing better.
A Quick Ratio of 0.05 indicates that GHI may have some problems paying its short term obligations.
The Quick ratio of GHI (0.05) is worse than 81.19% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.05 | ||
| Quick Ratio | 0.05 |
3. Growth
3.1 Past
The earnings per share for GHI have decreased strongly by -62.72% in the last year.
The Earnings Per Share has been decreasing by -8.83% on average over the past years.
Looking at the last year, GHI shows a very negative growth in Revenue. The Revenue has decreased by -12.99% in the last year.
The Revenue has been growing slightly by 3.07% on average over the past years.
EPS 1Y (TTM)-62.72%
EPS 3Y-20.47%
EPS 5Y-8.83%
EPS Q2Q%63.18%
Revenue 1Y (TTM)-12.99%
Revenue growth 3Y10.07%
Revenue growth 5Y3.07%
Sales Q2Q%-10.32%
3.2 Future
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
Based on estimates for the next years, GHI will show a small growth in Revenue. The Revenue will grow by 1.35% on average per year.
EPS Next Y115.99%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year5.62%
Revenue Next 2Y1.35%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 16.65, the valuation of GHI can be described as correct.
Compared to the rest of the industry, the Price/Earnings ratio of GHI is on the same level as its industry peers.
The average S&P500 Price/Earnings ratio is at 29.35. GHI is valued slightly cheaper when compared to this.
GHI is valuated cheaply with a Price/Forward Earnings ratio of 7.71.
Based on the Price/Forward Earnings ratio, GHI is valued cheaply inside the industry as 80.20% of the companies are valued more expensively.
GHI is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.10, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.65 | ||
| Fwd PE | 7.71 |
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 66.34% of the companies listed in the same industry.
GHI's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. GHI is cheaper than 65.35% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 16.51 | ||
| EV/EBITDA | 114.57 |
4.3 Compensation for Growth
GHI's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.14
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
GHI has a Yearly Dividend Yield of 11.55%, which is a nice return.
Compared to an average industry Dividend Yield of 3.95, GHI pays a better dividend. On top of this GHI pays more dividend than 98.02% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.33, GHI pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 11.55% |
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
213.35% of the earnings are spent on dividend by GHI. This is not a sustainable payout ratio.
DP213.35%
EPS Next 2YN/A
EPS Next 3YN/A
NYSE:GHI (3/7/2025, 8:04:01 PM)
12.82
+0.01 (+0.08%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners10.19%
Inst Owner ChangeN/A
Ins Owners1.41%
Ins Owner Change22.25%
Market Cap297.04M
Analysts82.5
Price Target17.09 (33.31%)
Short Float %0.27%
Short Ratio0.72
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 11.55% |
Yearly Dividend1.62
Dividend Growth(5Y)-0.78%
DP213.35%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-7.99%
Min EPS beat(2)-185.39%
Max EPS beat(2)169.41%
EPS beat(4)2
Avg EPS beat(4)2.69%
Min EPS beat(4)-185.39%
Max EPS beat(4)169.41%
EPS beat(8)4
Avg EPS beat(8)37.11%
EPS beat(12)6
Avg EPS beat(12)27.88%
EPS beat(16)7
Avg EPS beat(16)19.14%
Revenue beat(2)0
Avg Revenue beat(2)-10.5%
Min Revenue beat(2)-14.05%
Max Revenue beat(2)-6.96%
Revenue beat(4)0
Avg Revenue beat(4)-12.46%
Min Revenue beat(4)-19.88%
Max Revenue beat(4)-6.96%
Revenue beat(8)1
Avg Revenue beat(8)-11.28%
Revenue beat(12)3
Avg Revenue beat(12)-9.27%
Revenue beat(16)4
Avg Revenue beat(16)-10.58%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)-3.96%
EPS NQ rev (3m)-3.96%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)-6.56%
Revenue NQ rev (3m)-6.56%
Revenue NY rev (1m)-4.29%
Revenue NY rev (3m)-4.29%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.65 | ||
| Fwd PE | 7.71 | ||
| P/S | 3.25 | ||
| P/FCF | 16.51 | ||
| P/OCF | 16.51 | ||
| P/B | 0.77 | ||
| P/tB | 0.77 | ||
| EV/EBITDA | 114.57 |
EPS(TTM)0.77
EY6.01%
EPS(NY)1.66
Fwd EY12.97%
FCF(TTM)0.78
FCFY6.06%
OCF(TTM)0.78
OCFY6.06%
SpS3.94
BVpS16.55
TBVpS16.55
PEG (NY)0.14
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.11% | ||
| ROE | 4.59% | ||
| ROCE | 1.11% | ||
| ROIC | 0.88% | ||
| ROICexc | 0.89% | ||
| ROICexgc | 0.93% | ||
| OM | 13.8% | ||
| PM (TTM) | 19.27% | ||
| GM | 34.23% | ||
| FCFM | 19.72% |
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-Score6
Asset Turnover0.06
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.93 | ||
| Debt/FCF | 64.68 | ||
| Debt/EBITDA | 58.72 | ||
| Cap/Depr | 0% | ||
| Cap/Sales | 0% | ||
| Interest Coverage | 0.24 | ||
| Cash Conversion | 142.55% | ||
| Profit Quality | 102.31% | ||
| Current Ratio | 0.05 | ||
| Quick Ratio | 0.05 | ||
| Altman-Z | N/A |
F-Score6
WACC6.3%
ROIC/WACC0.14
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)-62.72%
EPS 3Y-20.47%
EPS 5Y-8.83%
EPS Q2Q%63.18%
EPS Next Y115.99%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-12.99%
Revenue growth 3Y10.07%
Revenue growth 5Y3.07%
Sales Q2Q%-10.32%
Revenue Next Year5.62%
Revenue Next 2Y1.35%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-7.23%
EBIT growth 3Y-17.77%
EBIT growth 5Y-16.27%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-25.46%
FCF growth 3Y-18.94%
FCF growth 5Y0.14%
OCF growth 1Y-27.84%
OCF growth 3Y-19.06%
OCF growth 5Y0%