GREYSTONE HOUSING IMPACT INV (GHI) Fundamental Analysis & Valuation

NYSE:GHI • US02364V2060

Current stock price

6.17 USD
-1.01 (-14.07%)
At close:
6.82 USD
+0.65 (+10.53%)
After Hours:

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

3

1. GHI Profitability Analysis

1.1 Basic Checks

  • In the past year GHI was profitable.
  • GHI had a positive operating cash flow in the past year.
  • 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.
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 20M 40M 60M

1.2 Ratios

  • GHI has a worse Return On Assets (0.27%) than 69.39% of its industry peers.
  • Looking at the Return On Equity, with a value of 1.04%, GHI is doing worse than 68.37% of the companies in the same industry.
  • The Return On Invested Capital of GHI (0.43%) is worse than 63.27% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for GHI is significantly below the industry average of 8.22%.
Industry RankSector Rank
ROA 0.27%
ROE 1.04%
ROIC 0.43%
ROA(3y)2.82%
ROA(5y)2.23%
ROE(3y)10.47%
ROE(5y)7.85%
ROIC(3y)1.09%
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 5 10 15

1.3 Margins

  • With a Profit Margin value of 4.34%, GHI is not doing good in the industry: 62.24% of the companies in the same industry are doing better.
  • GHI's Profit Margin has declined in the last couple of years.
  • The Operating Margin of GHI (7.94%) 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 (38.33%) which is comparable to the rest of the industry.
  • In the last couple of years the Gross Margin of GHI has declined.
Industry RankSector Rank
OM 7.94%
PM (TTM) 4.34%
GM 38.33%
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%
GHI Yearly Profit, Operating, Gross MarginsGHI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60 80

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0

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.
  • GHI has more shares outstanding than it did 1 year ago.
  • The number of shares outstanding for GHI has been increased compared to 5 years ago.
  • The debt/assets ratio for GHI is higher compared to a year ago.
GHI Yearly Shares OutstandingGHI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 500M 1B 1.5B

2.2 Solvency

  • GHI has a debt to FCF ratio of 31.68. This is a negative value and a sign of low solvency as GHI would need 31.68 years to pay back of all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 31.68, GHI is doing worse than 62.24% of the companies in the same industry.
  • A Debt/Equity ratio of 2.45 is on the high side and indicates that GHI has dependencies on debt financing.
  • GHI has a Debt to Equity ratio of 2.45. This is in the lower half of the industry: GHI underperforms 70.41% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.45
Debt/FCF 31.68
Altman-Z N/A
ROIC/WACC0.08
WACC5.13%
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 200M 400M 600M 800M

2.3 Liquidity

  • GHI has a Current Ratio of 0.34. 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 (0.34) is worse than 64.29% of its industry peers.
  • A Quick Ratio of 0.34 indicates that GHI may have some problems paying its short term obligations.
  • The Quick ratio of GHI (0.34) is worse than 63.27% of its industry peers.
Industry RankSector Rank
Current Ratio 0.34
Quick Ratio 0.34
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 100M 200M 300M 400M

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1

3. GHI Growth Analysis

3.1 Past

  • The earnings per share for GHI have decreased strongly by -70.92% in the last year.
  • The Earnings Per Share has been decreasing by -8.83% on average over the past years.
  • The Revenue has decreased by -0.95% in the past year.
  • 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)-0.95%
Revenue growth 3Y10.07%
Revenue growth 5Y3.07%
Sales Q2Q%-10.96%

3.2 Future

  • Based on estimates for the next years, GHI will show a very negative growth in Earnings Per Share. The EPS will decrease by -12.78% on average per year.
  • Based on estimates for the next years, GHI will show a small growth in Revenue. The Revenue will grow by 0.10% on average per year.
EPS Next Y-113.12%
EPS Next 2Y-12.78%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-2.59%
Revenue Next 2Y0.1%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
GHI Yearly Revenue VS EstimatesGHI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 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 0 0.5 1 1.5 2 2.5

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3

4. GHI Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 34.28, which means the current valuation is very expensive for GHI.
  • Based on the Price/Earnings ratio, GHI is valued a bit more expensive than 73.47% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 26.11, GHI is valued a bit more expensive.
  • GHI is valuated reasonably with a Price/Forward Earnings ratio of 10.53.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of GHI is on the same level as its industry peers.
  • The average S&P500 Price/Forward Earnings ratio is at 24.12. GHI is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 34.28
Fwd PE 10.53
GHI Price Earnings VS Forward Price EarningsGHI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • 64.29% of the companies in the same industry are cheaper than GHI, based on the Enterprise Value to EBITDA ratio.
  • GHI's Price/Free Cash Flow ratio is rather cheap when compared to the industry. GHI is cheaper than 92.86% of the companies in the same industry.
Industry RankSector Rank
P/FCF 4.34
EV/EBITDA 161.65
GHI Per share dataGHI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

  • GHI's earnings are expected to decrease with -12.78% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-12.78%
EPS Next 3YN/A

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

5

5. GHI Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 13.76%, GHI is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 2.61, GHI pays a better dividend. On top of this GHI pays more dividend than 97.96% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.91, GHI pays a better dividend.
Industry RankSector Rank
Dividend Yield 13.76%

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
GHI Yearly Dividends per shareGHI Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5 2

5.3 Sustainability

  • 914.80% of the earnings are spent on dividend by GHI. This is not a sustainable payout ratio.
  • GHI's earnings and Dividend Rate are declining. This means the current dividend is most likely not sustainable.
DP914.8%
EPS Next 2Y-12.78%
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 20M 40M 60M
GHI Dividend Payout.GHI Dividend Payout, showing the Payout Ratio.GHI Dividend Payout.PayoutRetained Earnings

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GHI Fundamentals: All Metrics, Ratios and Statistics

GREYSTONE HOUSING IMPACT INV

NYSE:GHI (3/17/2026, 8:20:07 PM)

After market: 6.82 +0.65 (+10.53%)

6.17

-1.01 (-14.07%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)03-02
Earnings (Next)05-05
Inst Owners10.54%
Inst Owner ChangeN/A
Ins Owners2.23%
Ins Owner Change-0.3%
Market Cap145.49M
Revenue(TTM)92.98M
Net Income(TTM)4.04M
Analysts80
Price Target10.71 (73.58%)
Short Float %0.47%
Short Ratio1.19
Dividend
Industry RankSector Rank
Dividend Yield 13.76%
Yearly Dividend1.62
Dividend Growth(5Y)-0.78%
DP914.8%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-150.98%
Min EPS beat(2)-216.81%
Max EPS beat(2)-85.15%
EPS beat(4)1
Avg EPS beat(4)-47.25%
Min EPS beat(4)-216.81%
Max EPS beat(4)169.41%
EPS beat(8)2
Avg EPS beat(8)-51.94%
EPS beat(12)4
Avg EPS beat(12)-11.05%
EPS beat(16)6
Avg EPS beat(16)-1.82%
Revenue beat(2)0
Avg Revenue beat(2)-10.29%
Min Revenue beat(2)-11.65%
Max Revenue beat(2)-8.93%
Revenue beat(4)1
Avg Revenue beat(4)-7.78%
Min Revenue beat(4)-14.05%
Max Revenue beat(4)3.51%
Revenue beat(8)1
Avg Revenue beat(8)-10.26%
Revenue beat(12)2
Avg Revenue beat(12)-9.53%
Revenue beat(16)5
Avg Revenue beat(16)-7.48%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-52.17%
EPS NY rev (1m)0%
EPS NY rev (3m)-152.63%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 34.28
Fwd PE 10.53
P/S 1.56
P/FCF 4.34
P/OCF 4.34
P/B 0.37
P/tB 0.37
EV/EBITDA 161.65
EPS(TTM)0.18
EY2.92%
EPS(NY)0.59
Fwd EY9.49%
FCF(TTM)1.42
FCFY23.06%
OCF(TTM)1.42
OCFY23.06%
SpS3.94
BVpS16.49
TBVpS16.49
PEG (NY)N/A
PEG (5Y)N/A
Graham Number8.17
Profitability
Industry RankSector Rank
ROA 0.27%
ROE 1.04%
ROCE 0.54%
ROIC 0.43%
ROICexc 0.44%
ROICexgc 0.47%
OM 7.94%
PM (TTM) 4.34%
GM 38.33%
FCFM 36.08%
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-Score6
Asset Turnover0.06
Health
Industry RankSector Rank
Debt/Equity 2.45
Debt/FCF 31.68
Debt/EBITDA 128.84
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 0.14
Cash Conversion 453.48%
Profit Quality 830.94%
Current Ratio 0.34
Quick Ratio 0.34
Altman-Z N/A
F-Score6
WACC5.13%
ROIC/WACC0.08
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-113.12%
EPS Next 2Y-12.78%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-0.95%
Revenue growth 3Y10.07%
Revenue growth 5Y3.07%
Sales Q2Q%-10.96%
Revenue Next Year-2.59%
Revenue Next 2Y0.1%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y928.01%
EBIT growth 3Y-17.77%
EBIT growth 5Y-16.27%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y70.8%
FCF growth 3Y-18.94%
FCF growth 5Y0.14%
OCF growth 1Y55.29%
OCF growth 3Y-19.06%
OCF growth 5Y0%

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 2 / 10 to GHI.


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

ChartMill assigns a valuation rating of 3 / 10 to GREYSTONE HOUSING IMPACT INV (GHI). This can be considered as Overvalued.


Can you provide the profitability details for GREYSTONE HOUSING IMPACT INV?

GREYSTONE HOUSING IMPACT INV (GHI) has a profitability rating of 3 / 10.


Can you provide the PE and PB ratios for GHI stock?

The Price/Earnings (PE) ratio for GREYSTONE HOUSING IMPACT INV (GHI) is 34.28 and the Price/Book (PB) ratio is 0.37.


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 -113.12% in the next year.