GREYSTONE HOUSING IMPACT INV (GHI) Stock Fundamental Analysis
USA • New York Stock Exchange • NYSE:GHI • US02364V2060
7.93 USD
0 (0%)
Last: Feb 2, 2026, 08:10 PM
Overall GHI gets a fundamental rating of 2 out of 10. We evaluated GHI against 97 industry peers in the Financial Services industry. Both the profitability and financial health of GHI have multiple concerns. GHI is valued expensive and it does not seem to be growing.
1. Profitability
1.1 Basic Checks
- In the past year GHI was profitable.
- GHI had a positive operating cash flow in the past year.
- In the past 5 years GHI has always been profitable.
- Each year in the past 5 years GHI had a positive operating cash flow.
1.2 Ratios
- GHI's Return On Assets of 0.27% is on the low side compared to the rest of the industry. GHI is outperformed by 65.98% of its industry peers.
- With a Return On Equity value of 1.04%, GHI is not doing good in the industry: 68.04% of the companies in the same industry are doing better.
- GHI has a Return On Invested Capital of 0.44%. This is in the lower half of the industry: GHI underperforms 64.95% 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 8.50%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.27% | ||
| ROE | 1.04% | ||
| ROIC | 0.44% |
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 of 4.34% is on the low side compared to the rest of the industry. GHI is outperformed by 62.89% of its industry peers.
- GHI's Profit Margin has declined in the last couple of years.
- GHI's Operating Margin of 7.94% is on the low side compared to the rest of the industry. GHI is outperformed by 62.89% of its industry peers.
- GHI's Operating Margin has declined in the last couple of years.
- GHI has a Gross Margin of 38.33%. This is comparable to the rest of the industry: GHI outperforms 54.64% of its industry peers.
- GHI's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector 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%
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.
- Compared to 1 year ago, GHI has more shares outstanding
- GHI has more shares outstanding than it did 5 years ago.
- The debt/assets ratio for GHI is higher compared to a year ago.
2.2 Solvency
- The Debt to FCF ratio of GHI is 31.68, which is on the high side as it means it would take GHI, 31.68 years of fcf income to pay off all of its debts.
- Looking at the Debt to FCF ratio, with a value of 31.68, GHI is doing worse than 60.82% of the companies in the same industry.
- A Debt/Equity ratio of 2.34 is on the high side and indicates that GHI has dependencies on debt financing.
- With a Debt to Equity ratio value of 2.34, GHI is not doing good in the industry: 69.07% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.34 | ||
| Debt/FCF | 31.68 | ||
| Altman-Z | N/A |
ROIC/WACC0.08
WACC5.48%
2.3 Liquidity
- GHI has a Current Ratio of 0.25. This is a bad value and indicates that GHI is not financially healthy enough and could expect problems in meeting its short term obligations.
- GHI has a worse Current ratio (0.25) than 65.98% of its industry peers.
- GHI has a Quick Ratio of 0.25. 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 0.25, GHI is doing worse than 65.98% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.25 | ||
| Quick Ratio | 0.25 |
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%.
- The Earnings Per Share has been decreasing by -8.83% on average over the past years.
- Looking at the last year, GHI shows a decrease in Revenue. The Revenue has decreased by -0.95% in the last 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)-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
- The Earnings Per Share is expected to decrease by -12.78% on average over the next years. This is quite bad
- GHI is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 0.10% yearly.
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
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
- 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
- A Price/Earnings ratio of 44.06 indicates a quite expensive valuation of GHI.
- Compared to the rest of the industry, the Price/Earnings ratio of GHI indicates a slightly more expensive valuation: GHI is more expensive than 71.13% of the companies listed in the same industry.
- GHI's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 28.41.
- The Price/Forward Earnings ratio is 13.54, which indicates a correct valuation of GHI.
- GHI's Price/Forward Earnings is on the same level as the industry average.
- When comparing the Price/Forward Earnings ratio of GHI to the average of the S&P500 Index (25.64), we can say GHI is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 44.06 | ||
| Fwd PE | 13.54 |
4.2 Price Multiples
- 67.01% of the companies in the same industry are cheaper than GHI, based on the Enterprise Value to EBITDA ratio.
- 92.78% 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 | 5.57 | ||
| EV/EBITDA | 164.04 |
4.3 Compensation for Growth
- A cheap valuation may be justified as GHI's earnings are expected to decrease with -12.78% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-12.78%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 12.35%, GHI is a good candidate for dividend investing.
- GHI's Dividend Yield is rather good when compared to the industry average which is at 1.99. GHI pays more dividend than 98.97% of the companies in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.83, GHI pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 12.35% |
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
- 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
NYSE:GHI (2/2/2026, 8:10:32 PM)
7.93
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-06 2025-11-06/bmo
Earnings (Next)02-19 2026-02-19/amc
Inst Owners8.99%
Inst Owner ChangeN/A
Ins Owners2.23%
Ins Owner Change-0.3%
Market Cap186.99M
Revenue(TTM)92.98M
Net Income(TTM)4.04M
Analysts80
Price Target10.71 (35.06%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 12.35% |
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)-21.25%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-67.16%
EPS NY rev (1m)0%
EPS NY rev (3m)-115.5%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-12.55%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-6.85%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 44.06 | ||
| Fwd PE | 13.54 | ||
| P/S | 2.01 | ||
| P/FCF | 5.57 | ||
| P/OCF | 5.57 | ||
| P/B | 0.48 | ||
| P/tB | 0.48 | ||
| EV/EBITDA | 164.04 |
EPS(TTM)0.18
EY2.27%
EPS(NY)0.59
Fwd EY7.39%
FCF(TTM)1.42
FCFY17.94%
OCF(TTM)1.42
OCFY17.94%
SpS3.94
BVpS16.49
TBVpS16.49
PEG (NY)N/A
PEG (5Y)N/A
Graham Number8.17
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.27% | ||
| ROE | 1.04% | ||
| ROCE | 0.56% | ||
| ROIC | 0.44% | ||
| ROICexc | 0.46% | ||
| ROICexgc | 0.49% | ||
| 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.34 | ||
| Debt/FCF | 31.68 | ||
| Debt/EBITDA | 123.23 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 0.14 | ||
| Cash Conversion | 453.48% | ||
| Profit Quality | 830.94% | ||
| Current Ratio | 0.25 | ||
| Quick Ratio | 0.25 | ||
| Altman-Z | N/A |
F-Score6
WACC5.48%
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 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 2 / 10.
Can you provide the PE and PB ratios for GHI stock?
The Price/Earnings (PE) ratio for GREYSTONE HOUSING IMPACT INV (GHI) is 44.06 and the Price/Book (PB) ratio is 0.48.
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.