GREYSTONE HOUSING IMPACT INV (GHI) Stock Fundamental Analysis

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

7.6 USD
-0.13 (-1.68%)
Last: Feb 5, 2026, 07:30 PM
Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to GHI. GHI was compared to 97 industry peers in the Financial Services industry. GHI has a bad profitability rating. Also its financial health evaluation is rather negative. GHI is valued expensive and it does not seem to be growing.


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.
  • GHI had positive earnings in each of the past 5 years.
  • Each year in the past 5 years GHI had a positive operating cash flow.
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

  • With a Return On Assets value of 0.27%, GHI is not doing good in the industry: 65.98% of the companies in the same industry are doing better.
  • Looking at the Return On Equity, with a value of 1.04%, GHI is doing worse than 68.04% of the companies in the same industry.
  • Looking at the Return On Invested Capital, with a value of 0.44%, GHI is doing worse than 64.95% of the companies in the same industry.
  • Measured over the past 3 years, the Average Return On Invested Capital for GHI is significantly below the industry average of 8.54%.
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

  • With a Profit Margin value of 4.34%, GHI is not doing good in the industry: 62.89% 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 in the lower half of the industry: GHI underperforms 62.89% of its industry peers.
  • GHI's Operating Margin has declined in the last couple of years.
  • With a Gross Margin value of 38.33%, GHI perfoms like the industry average, outperforming 54.64% of the companies in the same industry.
  • 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. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), GHI is destroying value.
  • The number of shares outstanding for GHI has been increased compared to 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.
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 on the low side compared to the rest of the industry. GHI is outperformed by 60.82% 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 Debt to Equity ratio of 2.34. This is in the lower half of the industry: GHI underperforms 69.07% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.34
Debt/FCF 31.68
Altman-Z N/A
ROIC/WACC0.08
WACC5.42%
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

  • 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 65.98% 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.
  • Looking at the Quick ratio, with a value of 0.25, GHI is doing worse than 65.98% of the companies in the same industry.
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

  • 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.
  • GHI shows a decrease in Revenue. In the last year, the revenue decreased by -0.95%.
  • 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

  • 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.
  • 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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3

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 42.22, which means the current valuation is very expensive for 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.
  • When comparing the Price/Earnings ratio of GHI to the average of the S&P500 Index (27.67), we can say GHI is valued expensively.
  • The Price/Forward Earnings ratio is 12.97, which indicates a correct valuation of GHI.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of GHI is on the same level as its industry peers.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 27.20, GHI is valued rather cheaply.
Industry RankSector Rank
PE 42.22
Fwd PE 12.97
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

  • Based on the Enterprise Value to EBITDA ratio, GHI is valued a bit more expensive than 67.01% of the companies in the same industry.
  • GHI's Price/Free Cash Flow ratio is rather cheap when compared to the industry. GHI is cheaper than 93.81% of the companies in the same industry.
Industry RankSector Rank
P/FCF 5.34
EV/EBITDA 162.98
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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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.
  • Compared to an average industry Dividend Yield of 1.99, GHI pays a better dividend. On top of this GHI pays more dividend than 98.97% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.82, GHI pays a better dividend.
Industry RankSector Rank
Dividend Yield 12.35%

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

  • 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
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 (2/5/2026, 7:30:50 PM)

7.6

-0.13 (-1.68%)

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 Cap179.21M
Revenue(TTM)92.98M
Net Income(TTM)4.04M
Analysts80
Price Target10.71 (40.92%)
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 42.22
Fwd PE 12.97
P/S 1.93
P/FCF 5.34
P/OCF 5.34
P/B 0.46
P/tB 0.46
EV/EBITDA 162.98
EPS(TTM)0.18
EY2.37%
EPS(NY)0.59
Fwd EY7.71%
FCF(TTM)1.42
FCFY18.72%
OCF(TTM)1.42
OCFY18.72%
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
WACC5.42%
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 42.22 and the Price/Book (PB) ratio is 0.46.


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.