GREYSTONE HOUSING IMPACT INV (GHI) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:GHI • US02364V2060

7.73 USD
+0.03 (+0.39%)
Last: Feb 4, 2026, 08:24 PM
Fundamental Rating

2

GHI gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 97 industry peers in the Financial Services industry. Both the profitability and financial health of GHI have multiple concerns. GHI has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

2

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.
  • 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

  • GHI has a Return On Assets of 0.27%. This is in the lower half of the industry: GHI underperforms 65.98% of its industry peers.
  • GHI's Return On Equity of 1.04% is on the low side compared to the rest of the industry. GHI is outperformed by 68.04% of its industry peers.
  • GHI's Return On Invested Capital of 0.44% is on the low side compared to the rest of the industry. GHI is outperformed by 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 8.52%.
Industry RankSector 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%
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

  • Looking at the Profit Margin, with a value of 4.34%, GHI is doing worse than 62.89% of the companies in the same industry.
  • In the last couple of years the Profit Margin of GHI has declined.
  • 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.
  • In the last couple of years the Operating Margin of GHI has declined.
  • GHI's Gross Margin of 38.33% is in line compared to the rest of the industry. GHI outperforms 54.64% of its industry peers.
  • In the last couple of years the Gross Margin of GHI has declined.
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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ROAROEROICOperating and Profit MarginShow most profitable peers

0

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
  • Compared to 5 years ago, GHI has more shares outstanding
  • 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

  • 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 60.82% 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 69.07% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.34
Debt/FCF 31.68
Altman-Z N/A
ROIC/WACC0.08
WACC5.44%
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 0.25. 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.
  • A Quick Ratio of 0.25 indicates that GHI may have some problems paying its short term obligations.
  • GHI has a worse Quick ratio (0.25) than 65.98% of its industry peers.
Industry RankSector Rank
Current Ratio 0.25
Quick Ratio 0.25
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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

1

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%.
  • GHI shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -8.83% yearly.
  • 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.
  • 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

  • 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.
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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Find the best growth stocksShow best growing peers

3

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 42.94 indicates a quite expensive valuation of GHI.
  • GHI's Price/Earnings ratio is a bit more expensive when compared to the industry. GHI is more expensive than 71.13% 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 28.25.
  • The Price/Forward Earnings ratio is 13.20, which indicates a correct valuation of GHI.
  • GHI's Price/Forward Earnings is on the same level as the industry average.
  • The average S&P500 Price/Forward Earnings ratio is at 27.50. GHI is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 42.94
Fwd PE 13.2
GHI Price Earnings VS Forward Price EarningsGHI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

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 67.01% of the companies listed in the same industry.
  • Based on the Price/Free Cash Flow ratio, GHI is valued cheaper than 93.81% of the companies in the same industry.
Industry RankSector Rank
P/FCF 5.43
EV/EBITDA 163.4
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

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

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 2.00. GHI pays more dividend than 98.97% of the companies in the same industry.
  • GHI's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector 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
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

  • 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
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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GREYSTONE HOUSING IMPACT INV

NYSE:GHI (2/4/2026, 8:24:24 PM)

7.73

+0.03 (+0.39%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-06
Earnings (Next)02-19
Inst Owners8.99%
Inst Owner ChangeN/A
Ins Owners2.23%
Ins Owner Change-0.3%
Market Cap182.27M
Revenue(TTM)92.98M
Net Income(TTM)4.04M
Analysts80
Price Target10.71 (38.55%)
Short Float %0.37%
Short Ratio0.54
Dividend
Industry RankSector 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 RankSector Rank
PE 42.94
Fwd PE 13.2
P/S 1.96
P/FCF 5.43
P/OCF 5.43
P/B 0.47
P/tB 0.47
EV/EBITDA 163.4
EPS(TTM)0.18
EY2.33%
EPS(NY)0.59
Fwd EY7.58%
FCF(TTM)1.42
FCFY18.4%
OCF(TTM)1.42
OCFY18.4%
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 0.56%
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 RankSector 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
WACC5.44%
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 42.94 and the Price/Book (PB) ratio is 0.47.


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.