GREYSTONE HOUSING IMPACT INV (GHI) Stock Fundamental Analysis
NYSE:GHI - US02364V2060
10.66 USD
-0.1 (-0.93%)
We assign a fundamental rating of 3 out of 10 to GHI. GHI was compared to 101 industry peers in the Financial Services industry. GHI has a bad profitability rating. Also its financial health evaluation is rather negative. GHI is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
GHI had negative earnings in the past year.
In the past year GHI had a positive cash flow from operations.
Each year in the past 5 years GHI has been profitable.
Each year in the past 5 years GHI had a positive operating cash flow.
1.2 Ratios
GHI has a Return On Assets of -0.15%. This is in the lower half of the industry: GHI underperforms 76.24% of its industry peers.
Looking at the Return On Equity, with a value of -0.57%, GHI is doing worse than 74.26% of the companies in the same industry.
GHI has a worse Return On Invested Capital (0.53%) than 65.35% 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 7.64%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.15% | ||
| ROE | -0.57% | ||
| ROIC | 0.53% |
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 has declined in the last couple of years.
Looking at the Operating Margin, with a value of 8.53%, GHI is doing worse than 60.40% of the companies in the same industry.
In the last couple of years the Operating Margin of GHI has declined.
With a Gross Margin value of 37.59%, GHI perfoms like the industry average, outperforming 52.48% of the companies in the same industry.
GHI's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 8.53% | ||
| PM (TTM) | N/A | ||
| GM | 37.59% |
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.
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.
2.2 Solvency
GHI has a debt to FCF ratio of 35.70. This is a negative value and a sign of low solvency as GHI would need 35.70 years to pay back of all of its debts.
The Debt to FCF ratio of GHI (35.70) is comparable to the rest of the industry.
A Debt/Equity ratio of 2.19 is on the high side and indicates that GHI has dependencies on debt financing.
GHI has a Debt to Equity ratio of 2.19. This is in the lower half of the industry: GHI underperforms 67.33% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.19 | ||
| Debt/FCF | 35.7 | ||
| Altman-Z | N/A |
ROIC/WACC0.09
WACC5.93%
2.3 Liquidity
GHI has a Current Ratio of 0.20. 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 Current ratio of 0.20 is on the low side compared to the rest of the industry. GHI is outperformed by 69.31% of its industry peers.
A Quick Ratio of 0.20 indicates that GHI may have some problems paying its short term obligations.
Looking at the Quick ratio, with a value of 0.20, GHI is doing worse than 69.31% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.2 | ||
| Quick Ratio | 0.2 |
3. Growth
3.1 Past
The earnings per share for GHI have decreased strongly by -106.47% in the last year.
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 -0.37% 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)-106.47%
EPS 3Y-20.47%
EPS 5Y-8.83%
EPS Q2Q%-284.21%
Revenue 1Y (TTM)-0.37%
Revenue growth 3Y10.07%
Revenue growth 5Y3.07%
Sales Q2Q%7.38%
3.2 Future
The Earnings Per Share is expected to grow by 40.27% on average over the next years. This is a very strong growth
Based on estimates for the next years, GHI will show a small growth in Revenue. The Revenue will grow by 5.35% on average per year.
EPS Next Y49.97%
EPS Next 2Y40.27%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year6.44%
Revenue Next 2Y5.35%
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings Ratio is negative for GHI. In the last year negative earnings were reported.
With a Price/Forward Earnings ratio of 7.04, the valuation of GHI can be described as very cheap.
78.22% of the companies in the same industry are more expensive than GHI, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.87, GHI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 7.04 |
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 69.31% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, GHI is valued cheaply inside the industry as 80.20% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.35 | ||
| EV/EBITDA | 156.25 |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as GHI's earnings are expected to grow with 40.27% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y40.27%
EPS Next 3YN/A
5. Dividend
5.1 Amount
GHI has a Yearly Dividend Yield of 11.10%, which is a nice return.
GHI's Dividend Yield is rather good when compared to the industry average which is at 4.94. GHI pays more dividend than 97.03% of the companies in the same industry.
GHI's Dividend Yield is rather good when compared to the S&P500 average which is at 2.45.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 11.1% |
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
The earnings of GHI are negative and hence is the payout ratio. GHI will probably not be able to sustain this dividend level.
DP-1762.3%
EPS Next 2Y40.27%
EPS Next 3YN/A
NYSE:GHI (9/11/2025, 8:04:01 PM)
10.66
-0.1 (-0.93%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners8.62%
Inst Owner ChangeN/A
Ins Owners2.24%
Ins Owner Change25.08%
Market Cap251.36M
Analysts82.86
Price Target13.6 (27.58%)
Short Float %0.03%
Short Ratio0.11
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 11.1% |
Yearly Dividend1.62
Dividend Growth(5Y)-0.78%
DP-1762.3%
Div Incr Years0
Div Non Decr Years0
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-136.62%
Min EPS beat(2)-216.81%
Max EPS beat(2)-56.44%
EPS beat(4)1
Avg EPS beat(4)-72.31%
Min EPS beat(4)-216.81%
Max EPS beat(4)169.41%
EPS beat(8)3
Avg EPS beat(8)-22.23%
EPS beat(12)5
Avg EPS beat(12)-0.85%
EPS beat(16)7
Avg EPS beat(16)4.17%
Revenue beat(2)1
Avg Revenue beat(2)-2.71%
Min Revenue beat(2)-8.93%
Max Revenue beat(2)3.51%
Revenue beat(4)1
Avg Revenue beat(4)-6.61%
Min Revenue beat(4)-14.05%
Max Revenue beat(4)3.51%
Revenue beat(8)1
Avg Revenue beat(8)-9.44%
Revenue beat(12)3
Avg Revenue beat(12)-8.48%
Revenue beat(16)5
Avg Revenue beat(16)-8.22%
PT rev (1m)-10.11%
PT rev (3m)-10.11%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-33.08%
EPS NY rev (1m)0%
EPS NY rev (3m)-8.04%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.43%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 7.04 | ||
| P/S | 2.63 | ||
| P/FCF | 8.35 | ||
| P/OCF | 8.35 | ||
| P/B | 0.67 | ||
| P/tB | 0.67 | ||
| EV/EBITDA | 156.25 |
EPS(TTM)-0.08
EYN/A
EPS(NY)1.52
Fwd EY14.21%
FCF(TTM)1.28
FCFY11.97%
OCF(TTM)1.28
OCFY11.97%
SpS4.06
BVpS15.95
TBVpS15.95
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.15% | ||
| ROE | -0.57% | ||
| ROCE | 0.67% | ||
| ROIC | 0.53% | ||
| ROICexc | 0.55% | ||
| ROICexgc | 0.59% | ||
| OM | 8.53% | ||
| PM (TTM) | N/A | ||
| GM | 37.59% | ||
| FCFM | 31.46% |
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%
ROICexcg growth 3Y-13.16%
ROICexcg 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-Score5
Asset Turnover0.06
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.19 | ||
| Debt/FCF | 35.7 | ||
| Debt/EBITDA | 100.66 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 0.15 | ||
| Cash Conversion | 367.82% | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.2 | ||
| Quick Ratio | 0.2 | ||
| Altman-Z | N/A |
F-Score5
WACC5.93%
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)-106.47%
EPS 3Y-20.47%
EPS 5Y-8.83%
EPS Q2Q%-284.21%
EPS Next Y49.97%
EPS Next 2Y40.27%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-0.37%
Revenue growth 3Y10.07%
Revenue growth 5Y3.07%
Sales Q2Q%7.38%
Revenue Next Year6.44%
Revenue Next 2Y5.35%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y68.34%
EBIT growth 3Y-17.77%
EBIT growth 5Y-16.27%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y69.14%
FCF growth 3Y-18.94%
FCF growth 5Y0.14%
OCF growth 1Y51.7%
OCF growth 3Y-19.06%
OCF growth 5Y0%