GREYSTONE HOUSING IMPACT INV (GHI) Stock Fundamental Analysis
NYSE:GHI - New York Stock Exchange, Inc. - US02364V2060 - Currency: USD
We assign a fundamental rating of 3 out of 10 to GHI. GHI was compared to 100 industry peers in the Financial Services industry. GHI may be in some trouble as it scores bad on both profitability and health. GHI has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
GHI had positive earnings in the past year.
GHI had a positive operating cash flow in the past year.
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
Looking at the Return On Assets, with a value of 0.67%, GHI is doing worse than 61.00% of the companies in the same industry.
GHI's Return On Equity of 2.64% is on the low side compared to the rest of the industry. GHI is outperformed by 70.00% of its industry peers.
Looking at the Return On Invested Capital, with a value of 0.94%, GHI is doing worse than 63.00% of the companies in the same industry.
GHI had an Average Return On Invested Capital over the past 3 years of 1.09%. This is significantly below the industry average of 11.84%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.67% | ||
| ROE | 2.64% | ||
| ROIC | 0.94% |
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 Profit Margin (11.00%) which is comparable to the rest of the industry.
GHI's Profit Margin has declined in the last couple of years.
GHI's Operating Margin of 15.69% is in line compared to the rest of the industry. GHI outperforms 54.00% of its industry peers.
GHI's Operating Margin has declined in the last couple of years.
GHI has a Gross Margin (35.80%) which is comparable to the rest of the industry.
In the last couple of years the Gross Margin of GHI has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 15.69% | ||
| PM (TTM) | 11% | ||
| GM | 35.8% |
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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so GHI is destroying value.
Compared to 1 year ago, GHI has more shares outstanding
Compared to 5 years ago, GHI has more shares outstanding
The debt/assets ratio for GHI is higher compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of GHI is 44.68, which is on the high side as it means it would take GHI, 44.68 years of fcf income to pay off all of its debts.
GHI's Debt to FCF ratio of 44.68 is in line compared to the rest of the industry. GHI outperforms 44.00% of its industry peers.
A Debt/Equity ratio of 2.15 is on the high side and indicates that GHI has dependencies on debt financing.
The Debt to Equity ratio of GHI (2.15) is worse than 65.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.15 | ||
| Debt/FCF | 44.68 | ||
| Altman-Z | N/A |
ROIC/WACC0.19
WACC5.01%
2.3 Liquidity
A Current Ratio of 0.20 indicates that GHI may have some problems paying its short term obligations.
With a Current ratio value of 0.20, GHI is not doing good in the industry: 72.00% of the companies in the same industry are doing better.
GHI has a Quick 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 Quick ratio of 0.20 is on the low side compared to the rest of the industry. GHI is outperformed by 72.00% of its industry peers.
| 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 -75.66% 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 -8.12% 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)-75.66%
EPS 3Y-20.47%
EPS 5Y-8.83%
EPS Q2Q%-73.81%
Revenue 1Y (TTM)-8.12%
Revenue growth 3Y10.07%
Revenue growth 5Y3.07%
Sales Q2Q%12.31%
3.2 Future
Based on estimates for the next years, GHI will show a very strong growth in Earnings Per Share. The EPS will grow by 40.27% on average per year.
The Revenue is expected to grow by 5.35% on average over the next years.
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 25.22, the valuation of GHI can be described as expensive.
Based on the Price/Earnings ratio, GHI is valued a bit more expensive than 66.00% of the companies in the same industry.
GHI's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 27.21.
The Price/Forward Earnings ratio is 7.66, which indicates a rather cheap valuation of GHI.
Based on the Price/Forward Earnings ratio, GHI is valued a bit cheaper than the industry average as 73.00% of the companies are valued more expensively.
GHI's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.70.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 25.22 | ||
| Fwd PE | 7.66 |
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 69.00% of the companies listed in the same industry.
Based on the Price/Free Cash Flow ratio, GHI is valued a bit cheaper than 74.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.87 | ||
| EV/EBITDA | 89.9 |
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.
GHI's earnings are expected to grow with 40.27% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.5
PEG (5Y)N/A
EPS Next 2Y40.27%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 9.97%, GHI is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.97, GHI pays a better dividend. On top of this GHI pays more dividend than 95.00% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.42, GHI pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.97% |
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
5.3 Sustainability
GHI pays out 367.77% of its income as dividend. This is not a sustainable payout ratio.
DP367.77%
EPS Next 2Y40.27%
EPS Next 3YN/A
NYSE:GHI (7/2/2025, 3:19:48 PM)
11.6
+0.31 (+2.75%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners9.06%
Inst Owner ChangeN/A
Ins Owners1.76%
Ins Owner Change55.73%
Market Cap271.44M
Analysts82.86
Price Target15.13 (30.43%)
Short Float %0.05%
Short Ratio0.28
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.97% |
Yearly Dividend1.62
Dividend Growth(5Y)-0.78%
DP367.77%
Div Incr Years0
Div Non Decr Years0
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)56.48%
Min EPS beat(2)-56.44%
Max EPS beat(2)169.41%
EPS beat(4)1
Avg EPS beat(4)-29.92%
Min EPS beat(4)-185.39%
Max EPS beat(4)169.41%
EPS beat(8)4
Avg EPS beat(8)33.35%
EPS beat(12)5
Avg EPS beat(12)16.43%
EPS beat(16)7
Avg EPS beat(16)17.22%
Revenue beat(2)1
Avg Revenue beat(2)-5.27%
Min Revenue beat(2)-14.05%
Max Revenue beat(2)3.51%
Revenue beat(4)1
Avg Revenue beat(4)-9.34%
Min Revenue beat(4)-19.88%
Max Revenue beat(4)3.51%
Revenue beat(8)2
Avg Revenue beat(8)-7.94%
Revenue beat(12)3
Avg Revenue beat(12)-9.57%
Revenue beat(16)5
Avg Revenue beat(16)-8.77%
PT rev (1m)-5.32%
PT rev (3m)-10.78%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-28.94%
EPS NY rev (1m)-8.04%
EPS NY rev (3m)-22.09%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.49%
Revenue NY rev (1m)1.28%
Revenue NY rev (3m)0.78%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 25.22 | ||
| Fwd PE | 7.66 | ||
| P/S | 2.89 | ||
| P/FCF | 10.87 | ||
| P/OCF | 10.87 | ||
| P/B | 0.69 | ||
| P/tB | 0.69 | ||
| EV/EBITDA | 89.9 |
EPS(TTM)0.46
EY3.97%
EPS(NY)1.52
Fwd EY13.06%
FCF(TTM)1.07
FCFY9.2%
OCF(TTM)1.07
OCFY9.2%
SpS4.02
BVpS16.75
TBVpS16.75
PEG (NY)0.5
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.67% | ||
| ROE | 2.64% | ||
| ROCE | 1.19% | ||
| ROIC | 0.94% | ||
| ROICexc | 0.98% | ||
| ROICexgc | 1.03% | ||
| OM | 15.69% | ||
| PM (TTM) | 11% | ||
| GM | 35.8% | ||
| FCFM | 26.55% |
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-Score4
Asset Turnover0.06
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.15 | ||
| Debt/FCF | 44.68 | ||
| Debt/EBITDA | 57.01 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 0.28 | ||
| Cash Conversion | 168.99% | ||
| Profit Quality | 241.3% | ||
| Current Ratio | 0.2 | ||
| Quick Ratio | 0.2 | ||
| Altman-Z | N/A |
F-Score4
WACC5.01%
ROIC/WACC0.19
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)-75.66%
EPS 3Y-20.47%
EPS 5Y-8.83%
EPS Q2Q%-73.81%
EPS Next Y49.97%
EPS Next 2Y40.27%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-8.12%
Revenue growth 3Y10.07%
Revenue growth 5Y3.07%
Sales Q2Q%12.31%
Revenue Next Year6.44%
Revenue Next 2Y5.35%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-11.06%
EBIT growth 3Y-17.77%
EBIT growth 5Y-16.27%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y147.07%
FCF growth 3Y-18.94%
FCF growth 5Y0.14%
OCF growth 1Y107.69%
OCF growth 3Y-19.06%
OCF growth 5Y0%