GREYSTONE HOUSING IMPACT INV (GHI) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:GHI - US02364V2060
7.17 USD
+0.28 (+4.06%)
Overall GHI gets a fundamental rating of 2 out of 10. We evaluated GHI against 98 industry peers in the Financial Services industry. GHI may be in some trouble as it scores bad on both profitability and health. 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
Looking at the Return On Assets, with a value of 0.27%, GHI is doing worse than 65.31% of the companies in the same industry.
Looking at the Return On Equity, with a value of 1.04%, GHI is doing worse than 67.35% of the companies in the same industry.
With a Return On Invested Capital value of 0.44%, GHI is not doing good in the industry: 64.29% of the companies in the same industry are doing better.
Measured over the past 3 years, the Average Return On Invested Capital for GHI is significantly below the industry average of 8.44%.
| 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
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 worse than 62.24% of its industry peers.
In the last couple of years the Operating Margin of GHI has declined.
The Gross Margin of GHI (38.33%) is comparable to the rest of the industry.
In the last couple of years the Gross Margin of GHI has declined.
| 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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so GHI is destroying value.
GHI has more shares outstanding than it did 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
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.
GHI's Debt to FCF ratio of 31.68 is on the low side compared to the rest of the industry. GHI is outperformed by 60.20% of its industry peers.
GHI has a Debt/Equity ratio of 2.34. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 2.34, GHI is not doing good in the industry: 69.39% 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
WACC5.26%
2.3 Liquidity
A Current Ratio of 0.25 indicates that GHI may have some problems paying its short term obligations.
The Current ratio of GHI (0.25) is worse than 66.33% 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.
GHI's Quick ratio of 0.25 is on the low side compared to the rest of the industry. GHI is outperformed by 66.33% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.25 | ||
| Quick Ratio | 0.25 |
3. Growth
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.
GHI shows a decrease in Revenue. In the last year, the revenue decreased by -0.95%.
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.
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
With a Price/Earnings ratio of 39.83, GHI can be considered very expensive at the moment.
Based on the Price/Earnings ratio, GHI is valued a bit more expensive than 69.39% of the companies in the same industry.
GHI's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 26.51.
GHI is valuated correctly with a Price/Forward Earnings ratio of 12.24.
GHI's Price/Forward Earnings ratio is in line with the industry average.
GHI's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 23.13.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 39.83 | ||
| Fwd PE | 12.24 |
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 66.33% of the companies listed in the same industry.
94.90% 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 | 5.04 | ||
| EV/EBITDA | 160.72 |
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
GHI has a Yearly Dividend Yield of 14.22%, which is a nice return.
The stock price of GHI dropped by -32.32% 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.
Compared to an average industry Dividend Yield of 2.36, 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 2.00, GHI pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 14.22% |
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
GHI pays out 914.80% of its income as dividend. 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 (1/2/2026, 3:24:34 PM)
7.17
+0.28 (+4.06%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners8.99%
Inst Owner ChangeN/A
Ins Owners2.23%
Ins Owner Change-0.3%
Market Cap169.07M
Revenue(TTM)92.98M
Net Income(TTM)4.04M
Analysts80
Price Target10.71 (49.37%)
Short Float %0.08%
Short Ratio0.11
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 14.22% |
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)-52.17%
EPS NQ rev (3m)-67.16%
EPS NY rev (1m)-152.63%
EPS NY rev (3m)-115.5%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-12.55%
Revenue NY rev (1m)-2.89%
Revenue NY rev (3m)-6.85%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 39.83 | ||
| Fwd PE | 12.24 | ||
| P/S | 1.82 | ||
| P/FCF | 5.04 | ||
| P/OCF | 5.04 | ||
| P/B | 0.43 | ||
| P/tB | 0.43 | ||
| EV/EBITDA | 160.72 |
EPS(TTM)0.18
EY2.51%
EPS(NY)0.59
Fwd EY8.17%
FCF(TTM)1.42
FCFY19.84%
OCF(TTM)1.42
OCFY19.84%
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
WACC5.26%
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 39.83 and the Price/Book (PB) ratio is 0.43.
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.