GREYSTONE HOUSING IMPACT INV (GHI) Stock Fundamental Analysis
NYSE:GHI - New York Stock Exchange, Inc. - US02364V2060 - Currency: USD
Overall GHI gets a fundamental rating of 3 out of 10. We evaluated GHI against 101 industry peers in the Financial Services industry. GHI has a bad profitability rating. Also its financial health evaluation is rather negative. GHI has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
In the past year GHI has reported negative net income.
In the past year GHI had a positive cash flow from operations.
In the past 5 years GHI has always been profitable.
Each year in the past 5 years GHI had a positive operating cash flow.
1.2 Ratios
GHI's Return On Assets of 0.67% is in line compared to the rest of the industry. GHI outperforms 40.59% of its industry peers.
The Return On Equity of GHI (2.64%) is worse than 65.35% of its industry peers.
The Return On Invested Capital of GHI (0.94%) is worse than 63.37% of its industry peers.
The Average Return On Invested Capital over the past 3 years for GHI is significantly below the industry average of 7.67%.
| 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 54.46% of its industry peers.
In the last couple of years the Profit Margin of GHI has declined.
GHI has a Operating Margin (15.69%) which is in line with its industry peers.
GHI's Operating Margin has declined in the last couple of years.
GHI has a Gross Margin (35.80%) which is in line with its industry peers.
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.
GHI has more shares outstanding than it did 1 year ago.
The number of shares outstanding for GHI has been increased compared to 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.
GHI has a Debt to FCF ratio (44.68) which is comparable to the rest of the industry.
GHI has a Debt/Equity ratio of 2.15. This is a high value indicating a heavy dependency on external financing.
GHI has a worse Debt to Equity ratio (2.15) than 66.34% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.15 | ||
| Debt/FCF | 44.68 | ||
| Altman-Z | N/A |
ROIC/WACC0.16
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.
Looking at the Current ratio, with a value of 0.20, GHI is doing worse than 72.28% of the companies in the same industry.
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.
Looking at the Quick ratio, with a value of 0.20, GHI is doing worse than 72.28% of the companies in the same industry.
| 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 -106.47%.
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.
GHI shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -12.99%.
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)-12.99%
Revenue growth 3Y10.07%
Revenue growth 5Y3.07%
Sales Q2Q%7.38%
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.
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.
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
The Price/Earnings Ratio is negative for GHI. In the last year negative earnings were reported.
GHI is valuated cheaply with a Price/Forward Earnings ratio of 6.90.
Compared to the rest of the industry, the Price/Forward Earnings ratio of GHI indicates a rather cheap valuation: GHI is cheaper than 80.20% of the companies listed in the same industry.
GHI's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 35.34.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 6.9 |
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 68.32% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, GHI is valued a bit cheaper than the industry average as 76.24% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.8 | ||
| EV/EBITDA | 88.57 |
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
With a Yearly Dividend Yield of 11.49%, GHI is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.43, GHI pays a better dividend. On top of this GHI pays more dividend than 97.03% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.36, GHI pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 11.49% |
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
367.77% of the earnings are spent on dividend by GHI. This is not a sustainable payout ratio.
DP367.77%
EPS Next 2Y40.27%
EPS Next 3YN/A
NYSE:GHI (8/15/2025, 8:25:19 PM)
10.45
+0.01 (+0.1%)
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 Change41.75%
Market Cap244.53M
Analysts82.86
Price Target15.13 (44.78%)
Short Float %0.02%
Short Ratio0.08
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 11.49% |
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)-5.32%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-5.32%
EPS NY rev (1m)0%
EPS NY rev (3m)-8.04%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.47%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.28%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 6.9 | ||
| P/S | 2.6 | ||
| P/FCF | 9.8 | ||
| P/OCF | 9.8 | ||
| P/B | 0.62 | ||
| P/tB | 0.62 | ||
| EV/EBITDA | 88.57 |
EPS(TTM)-0.08
EYN/A
EPS(NY)1.52
Fwd EY14.5%
FCF(TTM)1.07
FCFY10.21%
OCF(TTM)1.07
OCFY10.21%
SpS4.02
BVpS16.75
TBVpS16.75
PEG (NY)N/A
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
WACC5.93%
ROIC/WACC0.16
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)-12.99%
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 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%