GREYSTONE HOUSING IMPACT INV (GHI) Fundamental Analysis & Valuation

NYSE:GHI • US02364V2060

Current stock price

4.93 USD
-0.12 (-2.38%)
Last:

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

  • GHI had positive earnings in the past year.
  • In the past year GHI had a positive cash flow from operations.
  • GHI had positive earnings in each of the past 5 years.
  • 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 20M 40M 60M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 0.27%, GHI is doing worse than 68.00% of the companies in the same industry.
  • With a Return On Equity value of 1.04%, GHI is not doing good in the industry: 67.00% of the companies in the same industry are doing better.
  • The Return On Invested Capital of GHI (0.43%) is worse than 62.00% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for GHI is significantly below the industry average of 8.07%.
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: 61.00% of the companies in the same industry are doing better.
  • In the last couple of years the Profit Margin of GHI has declined.
  • GHI has a Operating Margin of 7.94%. This is comparable to the rest of the industry: GHI outperforms 45.00% of its industry peers.
  • GHI's Operating Margin has declined in the last couple of years.
  • GHI's Gross Margin of 38.33% is in line compared to the rest of the industry. GHI outperforms 58.00% of its industry peers.
  • GHI's Gross Margin has declined in the last couple of years.
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

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so GHI is destroying value.
  • Compared to 1 year ago, GHI has more shares outstanding
  • The number of shares outstanding for GHI has been increased compared to 5 years ago.
  • Compared to 1 year ago, GHI has a worse debt to assets ratio.
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

  • 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.
  • GHI's Debt to FCF ratio of 31.68 is in line compared to the rest of the industry. GHI outperforms 44.00% of its industry peers.
  • GHI has a Debt/Equity ratio of 2.45. This is a high value indicating a heavy dependency on external financing.
  • The Debt to Equity ratio of GHI (2.45) is worse than 69.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.45
Debt/FCF 31.68
Altman-Z N/A
ROIC/WACC0.09
WACC4.89%
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.
  • With a Current ratio value of 0.34, GHI is not doing good in the industry: 61.00% of the companies in the same industry are doing better.
  • GHI has a Quick 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.
  • GHI has a Quick ratio of 0.34. This is in the lower half of the industry: GHI underperforms 61.00% 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.
  • Looking at the last year, GHI shows a decrease in Revenue. The Revenue has decreased by -0.95% in the last year.
  • Measured over the past years, GHI shows a small growth in Revenue. The Revenue has been growing by 3.07% on average per year.
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
  • 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.
  • 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 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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4

4. GHI Valuation Analysis

4.1 Price/Earnings Ratio

  • GHI is valuated quite expensively with a Price/Earnings ratio of 27.39.
  • GHI's Price/Earnings ratio is a bit more expensive when compared to the industry. GHI is more expensive than 69.00% of the companies in the same industry.
  • GHI's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 25.50.
  • A Price/Forward Earnings ratio of 8.42 indicates a reasonable valuation of GHI.
  • GHI's Price/Forward Earnings ratio is in line with the industry average.
  • When comparing the Price/Forward Earnings ratio of GHI to the average of the S&P500 Index (22.67), we can say GHI is valued rather cheaply.
Industry RankSector Rank
PE 27.39
Fwd PE 8.42
GHI Price Earnings VS Forward Price EarningsGHI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • GHI's Enterprise Value to EBITDA ratio is a bit more expensive when compared to the industry. GHI is more expensive than 62.00% of the companies in the same industry.
  • Based on the Price/Free Cash Flow ratio, GHI is valued cheaply inside the industry as 97.00% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 3.47
EV/EBITDA 154.86
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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5

5. GHI Dividend Analysis

5.1 Amount

  • GHI has a Yearly Dividend Yield of 9.51%, which is a nice return.
  • The stock price of GHI dropped by -31.62% 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 2.50, GHI pays a better dividend. On top of this GHI pays more dividend than 95.00% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.89, GHI pays a better dividend.
Industry RankSector Rank
Dividend Yield 9.51%

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

  • GHI pays out 914.80% of its income as dividend. This is not a sustainable payout ratio.
  • The Dividend Rate of GHI has been decling, while earnings will also be 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 (3/25/2026, 4:15:00 PM)

4.93

-0.12 (-2.38%)

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 Cap116.25M
Revenue(TTM)92.98M
Net Income(TTM)4.04M
Analysts80
Price Target10.71 (117.24%)
Short Float %0.47%
Short Ratio1.19
Dividend
Industry RankSector Rank
Dividend Yield 9.51%
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 27.39
Fwd PE 8.42
P/S 1.25
P/FCF 3.47
P/OCF 3.47
P/B 0.3
P/tB 0.3
EV/EBITDA 154.86
EPS(TTM)0.18
EY3.65%
EPS(NY)0.59
Fwd EY11.88%
FCF(TTM)1.42
FCFY28.86%
OCF(TTM)1.42
OCFY28.86%
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
WACC4.89%
ROIC/WACC0.09
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 4 / 10 to GREYSTONE HOUSING IMPACT INV (GHI). This can be considered as Fairly Valued.


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 27.39 and the Price/Book (PB) ratio is 0.3.


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.