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 99 industry peers in the Financial Services industry. Both the profitability and financial health of GHI have multiple concerns. GHI has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
In the past year GHI was profitable.
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
GHI has a worse Return On Assets (0.67%) than 62.63% of its industry peers.
GHI has a Return On Equity of 2.64%. This is in the lower half of the industry: GHI underperforms 71.72% of its industry peers.
GHI has a Return On Invested Capital of 0.94%. This is in the lower half of the industry: GHI underperforms 63.64% 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 11.83%.
| 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's Profit Margin of 11.00% is in line compared to the rest of the industry. GHI outperforms 53.54% 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 15.69%, GHI is in line with its industry, outperforming 53.54% of the companies in the same industry.
In the last couple of years the Operating Margin of GHI has declined.
GHI has a Gross Margin of 35.80%. This is comparable to the rest of the industry: GHI outperforms 53.54% of its industry peers.
GHI's Gross Margin has declined in the last couple of years.
| 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.
The number of shares outstanding for GHI has been increased compared to 1 year ago.
GHI has more shares outstanding than it did 5 years ago.
GHI has a worse debt/assets ratio than last year.
2.2 Solvency
GHI has a debt to FCF ratio of 44.68. This is a negative value and a sign of low solvency as GHI would need 44.68 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 44.68, GHI is in line with its industry, outperforming 44.44% of the companies in the same industry.
GHI has a Debt/Equity ratio of 2.15. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of GHI (2.15) is worse than 65.66% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.15 | ||
| Debt/FCF | 44.68 | ||
| Altman-Z | N/A |
ROIC/WACC0.15
WACC6.22%
2.3 Liquidity
A Current Ratio of 0.20 indicates that GHI may have some problems paying its short term obligations.
The Current ratio of GHI (0.20) is worse than 70.71% of its industry peers.
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.
With a Quick ratio value of 0.20, GHI is not doing good in the industry: 70.71% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.2 | ||
| Quick Ratio | 0.2 |
3. Growth
3.1 Past
GHI shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -75.66%.
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 -8.12%.
The Revenue has been growing slightly by 3.07% on average over the past years.
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
The Earnings Per Share is expected to grow by 45.02% 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 5.30% on average per year.
EPS Next Y63.09%
EPS Next 2Y45.02%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year5.1%
Revenue Next 2Y5.3%
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 25.93, 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 67.68% of the companies in the same industry.
GHI's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 26.52.
The Price/Forward Earnings ratio is 7.37, which indicates a rather cheap valuation of GHI.
Based on the Price/Forward Earnings ratio, GHI is valued a bit cheaper than 70.71% of the companies in the same industry.
GHI is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.25, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 25.93 | ||
| Fwd PE | 7.37 |
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 69.70% of the companies listed in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of GHI indicates a somewhat cheap valuation: GHI is cheaper than 73.74% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.18 | ||
| EV/EBITDA | 90.78 |
4.3 Compensation for Growth
GHI's 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 45.02% in the coming years.
PEG (NY)0.41
PEG (5Y)N/A
EPS Next 2Y45.02%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 12.50%, GHI is a good candidate for dividend investing.
GHI's Dividend Yield is rather good when compared to the industry average which is at 4.90. GHI pays more dividend than 96.97% of the companies in the same industry.
GHI's Dividend Yield is rather good when compared to the S&P500 average which is at 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 12.5% |
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 2Y45.02%
EPS Next 3YN/A
NYSE:GHI (6/6/2025, 8:04:01 PM)
11.93
+0.09 (+0.76%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners10.19%
Inst Owner ChangeN/A
Ins Owners1.41%
Ins Owner Change22.25%
Market Cap279.16M
Analysts82.86
Price Target15.13 (26.82%)
Short Float %0.04%
Short Ratio0.22
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 12.5% |
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)0%
PT rev (3m)-6.47%
EPS NQ rev (1m)-28.94%
EPS NQ rev (3m)-28.8%
EPS NY rev (1m)-15.28%
EPS NY rev (3m)-24.49%
Revenue NQ rev (1m)-2.49%
Revenue NQ rev (3m)-2.49%
Revenue NY rev (1m)-2.43%
Revenue NY rev (3m)-4.76%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 25.93 | ||
| Fwd PE | 7.37 | ||
| P/S | 2.97 | ||
| P/FCF | 11.18 | ||
| P/OCF | 11.18 | ||
| P/B | 0.71 | ||
| P/tB | 0.71 | ||
| EV/EBITDA | 90.78 |
EPS(TTM)0.46
EY3.86%
EPS(NY)1.62
Fwd EY13.57%
FCF(TTM)1.07
FCFY8.94%
OCF(TTM)1.07
OCFY8.94%
SpS4.02
BVpS16.75
TBVpS16.75
PEG (NY)0.41
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
WACC6.22%
ROIC/WACC0.15
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 Y63.09%
EPS Next 2Y45.02%
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 Year5.1%
Revenue Next 2Y5.3%
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%