GREYSTONE HOUSING IMPACT INV (GHI) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:GHI - US02364V2060
7.3 USD
+0.45 (+6.57%)
We assign a fundamental rating of 2 out of 10 to GHI. GHI was compared to 99 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
In the past year GHI was profitable.
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.
1.2 Ratios
The Return On Assets of GHI (0.27%) is worse than 65.66% of its industry peers.
GHI has a worse Return On Equity (1.04%) than 67.68% of its industry peers.
The Return On Invested Capital of GHI (0.44%) is worse than 63.64% of its industry peers.
The Average Return On Invested Capital over the past 3 years for GHI is significantly below the industry average of 8.44%.
| 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
GHI's Profit Margin of 4.34% is on the low side compared to the rest of the industry. GHI is outperformed by 61.62% of its industry peers.
In the last couple of years the Profit Margin of GHI has declined.
The Operating Margin of GHI (7.94%) is worse than 61.62% of its industry peers.
GHI's Operating Margin has declined in the last couple of years.
The Gross Margin of GHI (38.33%) is comparable to the rest of the industry.
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.
The number of shares outstanding for GHI has been increased compared to 1 year ago.
Compared to 5 years ago, GHI has more shares outstanding
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 has a Debt to FCF ratio of 31.68. This is in the lower half of the industry: GHI underperforms 60.61% of its industry peers.
A Debt/Equity ratio of 2.34 is on the high side and indicates that GHI has dependencies on debt financing.
The Debt to Equity ratio of GHI (2.34) is worse than 69.70% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.34 | ||
| Debt/FCF | 31.68 | ||
| Altman-Z | N/A |
ROIC/WACC0.08
WACC5.23%
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.
The Current ratio of GHI (0.25) is worse than 69.70% 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 69.70% of its industry peers.
| 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%.
Measured over the past years, GHI shows a decrease in Earnings Per Share. The EPS has been decreasing by -8.83% on average per year.
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
Based on estimates for the next years, GHI will show a quite strong growth in Earnings Per Share. The EPS will grow by 12.22% 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-75.08%
EPS Next 2Y12.22%
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 accelerating.
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 40.56, the valuation of GHI can be described as expensive.
Compared to the rest of the industry, the Price/Earnings ratio of GHI indicates a slightly more expensive valuation: GHI is more expensive than 69.70% of the companies listed in the same industry.
GHI is valuated expensively when we compare the Price/Earnings ratio to 26.61, which is the current average of the S&P500 Index.
GHI is valuated cheaply with a Price/Forward Earnings ratio of 7.53.
Compared to the rest of the industry, the Price/Forward Earnings ratio of GHI indicates a somewhat cheap valuation: GHI is cheaper than 73.74% of the companies listed in the same industry.
GHI is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.01, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 40.56 | ||
| Fwd PE | 7.53 |
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 65.66% of the companies listed in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of GHI indicates a rather cheap valuation: GHI is cheaper than 94.95% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.13 | ||
| EV/EBITDA | 162.03 |
4.3 Compensation for Growth
A more expensive valuation may be justified as GHI's earnings are expected to grow with 12.22% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y12.22%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 14.08%, GHI is a good candidate for dividend investing.
In the last 3 months the price of GHI has falen by -31.26%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
Compared to an average industry Dividend Yield of 2.43, GHI pays a better dividend. On top of this GHI pays more dividend than 97.98% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 1.87, GHI pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 14.08% |
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.
DP914.8%
EPS Next 2Y12.22%
EPS Next 3YN/A
NYSE:GHI (12/22/2025, 8:04:00 PM)
7.3
+0.45 (+6.57%)
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 Change24.72%
Market Cap172.13M
Revenue(TTM)92.98M
Net Income(TTM)4.04M
Analysts80
Price Target10.71 (46.71%)
Short Float %0.08%
Short Ratio0.12
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 14.08% |
Yearly Dividend1.62
Dividend Growth(5Y)-0.78%
DP914.8%
Div Incr Years0
Div Non Decr Years0
Ex-Date
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)-21.25%
PT rev (3m)-21.25%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-31.34%
EPS NY rev (1m)0%
EPS NY rev (3m)-83.38%
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 | 40.56 | ||
| Fwd PE | 7.53 | ||
| P/S | 1.85 | ||
| P/FCF | 5.13 | ||
| P/OCF | 5.13 | ||
| P/B | 0.44 | ||
| P/tB | 0.44 | ||
| EV/EBITDA | 162.03 |
EPS(TTM)0.18
EY2.47%
EPS(NY)0.97
Fwd EY13.28%
FCF(TTM)1.42
FCFY19.49%
OCF(TTM)1.42
OCFY19.49%
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
WACC5.23%
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-75.08%
EPS Next 2Y12.22%
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.
Can you provide the valuation status for GREYSTONE HOUSING IMPACT INV?
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 2 / 10.
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 -75.08% in the next year.
Is the dividend of GREYSTONE HOUSING IMPACT INV sustainable?
The dividend rating of GREYSTONE HOUSING IMPACT INV (GHI) is 5 / 10 and the dividend payout ratio is 914.8%.