GREYSTONE HOUSING IMPACT INV (GHI) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:GHI - US02364V2060
7.06 USD
+0.27 (+3.98%)
We assign a fundamental rating of 2 out of 10 to GHI. GHI was compared to 98 industry peers in the Financial Services industry. GHI has a bad profitability rating. Also its financial health evaluation is rather negative. GHI is valued correctly, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year GHI was profitable.
GHI had a positive operating cash flow in the past year.
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 -0.15% is on the low side compared to the rest of the industry. GHI is outperformed by 74.49% of its industry peers.
The Return On Equity of GHI (-0.57%) is worse than 74.49% of its industry peers.
GHI's Return On Invested Capital of 0.53% is on the low side compared to the rest of the industry. GHI is outperformed by 64.29% of its industry peers.
The Average Return On Invested Capital over the past 3 years for GHI is significantly below the industry average of 8.20%.
| 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.
GHI has a Operating Margin of 8.53%. This is in the lower half of the industry: GHI underperforms 62.24% of its industry peers.
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 55.10% of the companies in the same industry.
In the last couple of years the Gross Margin of GHI has declined.
| 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.
GHI has more shares outstanding than it did 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 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.
Looking at the Debt to FCF ratio, with a value of 35.70, GHI is doing worse than 61.22% of the companies in the same industry.
GHI has a Debt/Equity ratio of 2.19. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of GHI (2.19) is worse than 69.39% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.19 | ||
| Debt/FCF | 35.7 | ||
| Altman-Z | N/A |
ROIC/WACC0.1
WACC5.21%
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 70.41% 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.
The Quick ratio of GHI (0.20) is worse than 70.41% of its industry peers.
| 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 -70.92%.
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 very negative growth in Revenue. The Revenue has decreased by -12.99% 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)-70.92%
EPS 3Y-20.47%
EPS 5Y-8.83%
EPS Q2Q%113.04%
Revenue 1Y (TTM)-12.99%
Revenue growth 3Y10.07%
Revenue growth 5Y3.07%
Sales Q2Q%-10.96%
3.2 Future
Based on estimates for the next years, GHI will show a quite strong growth in Earnings Per Share. The EPS will grow by 12.22% on average per year.
Based on estimates for the next years, GHI will show a small growth in Revenue. The Revenue will grow by 2.81% on average per year.
EPS Next Y-75.08%
EPS Next 2Y12.22%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year0.32%
Revenue Next 2Y2.81%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 39.22, the valuation of GHI can be described as expensive.
GHI's Price/Earnings ratio is a bit more expensive when compared to the industry. GHI is more expensive than 71.43% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.31. GHI is valued slightly more expensive when compared to this.
Based on the Price/Forward Earnings ratio of 7.28, the valuation of GHI can be described as very cheap.
73.47% of the companies in the same industry are more expensive than GHI, based on the Price/Forward Earnings ratio.
GHI is valuated cheaply when we compare the Price/Forward Earnings ratio to 36.59, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 39.22 | ||
| Fwd PE | 7.28 |
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 68.37% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, GHI is valued cheaply inside the industry as 91.84% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.53 | ||
| EV/EBITDA | 145.87 |
4.3 Compensation for Growth
A more expensive valuation may be justified as GHI's earnings are expected to grow with 12.22% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y12.22%
EPS Next 3YN/A
5. Dividend
5.1 Amount
GHI has a Yearly Dividend Yield of 17.67%, which is a nice return.
In the last 3 months the price of GHI has falen by -33.83%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
Compared to an average industry Dividend Yield of 5.04, GHI pays a better dividend. On top of this GHI pays more dividend than 97.96% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.34, GHI pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 17.67% |
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 2Y12.22%
EPS Next 3YN/A
NYSE:GHI (11/28/2025, 7:35:16 PM)
7.06
+0.27 (+3.98%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners8.79%
Inst Owner ChangeN/A
Ins Owners2.22%
Ins Owner Change24.94%
Market Cap166.47M
Revenue(TTM)91.27M
Net Income(TTM)-2.16M
Analysts80
Price Target10.71 (51.7%)
Short Float %0.1%
Short Ratio0.21
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 17.67% |
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)-21.25%
PT rev (3m)-21.25%
EPS NQ rev (1m)-34.43%
EPS NQ rev (3m)-31.03%
EPS NY rev (1m)-70.54%
EPS NY rev (3m)-83.38%
Revenue NQ rev (1m)-7.85%
Revenue NQ rev (3m)-10.37%
Revenue NY rev (1m)-4.07%
Revenue NY rev (3m)-5.76%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 39.22 | ||
| Fwd PE | 7.28 | ||
| P/S | 1.74 | ||
| P/FCF | 5.53 | ||
| P/OCF | 5.53 | ||
| P/B | 0.44 | ||
| P/tB | 0.44 | ||
| EV/EBITDA | 145.87 |
EPS(TTM)0.18
EY2.55%
EPS(NY)0.97
Fwd EY13.73%
FCF(TTM)1.28
FCFY18.08%
OCF(TTM)1.28
OCFY18.08%
SpS4.06
BVpS15.95
TBVpS15.95
PEG (NY)N/A
PEG (5Y)N/A
Graham Number8.04
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%
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-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
WACC5.21%
ROIC/WACC0.1
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-75.08%
EPS Next 2Y12.22%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-12.99%
Revenue growth 3Y10.07%
Revenue growth 5Y3.07%
Sales Q2Q%-10.96%
Revenue Next Year0.32%
Revenue Next 2Y2.81%
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%
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.
Can you provide the valuation status for GREYSTONE HOUSING IMPACT INV?
ChartMill assigns a valuation rating of 4 / 10 to GREYSTONE HOUSING IMPACT INV (GHI). This can be considered as Fairly Valued.
Can you provide the profitability details for GREYSTONE HOUSING IMPACT INV?
GREYSTONE HOUSING IMPACT INV (GHI) has a profitability rating of 2 / 10.
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 -75.08% in the next year.
Is the dividend of GREYSTONE HOUSING IMPACT INV sustainable?
The dividend rating of GREYSTONE HOUSING IMPACT INV (GHI) is 5 / 10 and the dividend payout ratio is -1762.3%.