GREYSTONE HOUSING IMPACT INV (GHI) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:GHI - US02364V2060
6.93 USD
-0.28 (-3.88%)
GHI gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals 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.
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
GHI's Return On Assets of 0.27% is on the low side compared to the rest of the industry. GHI is outperformed by 65.31% of its industry peers.
GHI has a worse Return On Equity (1.04%) than 67.35% of its industry peers.
GHI has a Return On Invested Capital of 0.44%. This is in the lower half of the industry: GHI underperforms 64.29% 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 has a worse Profit Margin (4.34%) than 62.24% of its industry peers.
GHI's Profit Margin has declined in the last couple of years.
Looking at the Operating Margin, with a value of 7.94%, GHI is doing worse than 62.24% of the companies in the same industry.
In the last couple of years the Operating Margin of GHI has declined.
Looking at the Gross Margin, with a value of 38.33%, GHI is in line with its industry, outperforming 55.10% of the companies in the same 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
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.
Compared to 1 year ago, GHI has a worse debt to assets ratio.
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.
The Debt to FCF ratio of GHI (31.68) is worse than 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.
GHI has a worse Debt to Equity ratio (2.34) than 70.41% of its industry peers.
| 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.
GHI's Current ratio of 0.25 is on the low side compared to the rest of the industry. GHI is outperformed by 69.39% of its industry peers.
A Quick Ratio of 0.25 indicates that GHI may have some problems paying its short term obligations.
GHI has a Quick ratio of 0.25. This is in the lower half of the industry: GHI underperforms 69.39% 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.
GHI shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -8.83% yearly.
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
GHI is expected to show a very negative growth in Earnings Per Share. In the coming years, the EPS will decrease by -12.78% yearly.
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
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.
4. Valuation
4.1 Price/Earnings Ratio
GHI is valuated quite expensively with a Price/Earnings ratio of 38.50.
Based on the Price/Earnings ratio, GHI is valued a bit more expensive than 69.39% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.92, GHI is valued a bit more expensive.
Based on the Price/Forward Earnings ratio of 11.83, the valuation of GHI can be described as reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of GHI is on the same level as its industry peers.
GHI's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 23.46.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 38.5 | ||
| Fwd PE | 11.83 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, GHI is valued a bit more expensive than 66.33% of the companies 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 94.90% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.87 | ||
| EV/EBITDA | 161.74 |
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
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 14.22%, GHI is a good candidate for dividend investing.
The stock price of GHI dropped by -32.11% 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
914.80% of the earnings are spent on dividend by GHI. 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
NYSE:GHI (12/29/2025, 4:10:03 PM)
6.93
-0.28 (-3.88%)
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 Cap163.41M
Revenue(TTM)92.98M
Net Income(TTM)4.04M
Analysts80
Price Target10.71 (54.55%)
Short Float %0.08%
Short Ratio0.12
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-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)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 | 38.5 | ||
| Fwd PE | 11.83 | ||
| P/S | 1.76 | ||
| P/FCF | 4.87 | ||
| P/OCF | 4.87 | ||
| P/B | 0.42 | ||
| P/tB | 0.42 | ||
| EV/EBITDA | 161.74 |
EPS(TTM)0.18
EY2.6%
EPS(NY)0.59
Fwd EY8.45%
FCF(TTM)1.42
FCFY20.53%
OCF(TTM)1.42
OCFY20.53%
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.
Can you provide the valuation status for GREYSTONE HOUSING IMPACT INV?
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.
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.
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%.