GREYSTONE HOUSING IMPACT INV (GHI) Stock Fundamental Analysis
USA • New York Stock Exchange • NYSE:GHI • US02364V2060
8.1 USD
+0.39 (+5.06%)
Last: Jan 29, 2026, 08:22 PM
We assign a fundamental rating of 2 out of 10 to GHI. GHI was compared to 97 industry peers in the Financial Services industry. Both the profitability and financial health of GHI have multiple concerns. GHI is valued expensive and 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.
- In the past 5 years GHI always reported a positive cash flow from operatings.
1.2 Ratios
- GHI's Return On Assets of 0.27% is on the low side compared to the rest of the industry. GHI is outperformed by 65.98% of its industry peers.
- Looking at the Return On Equity, with a value of 1.04%, GHI is doing worse than 68.04% of the companies in the same industry.
- Looking at the Return On Invested Capital, with a value of 0.44%, GHI is doing worse than 63.92% 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 8.46%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.27% | ||
| ROE | 1.04% | ||
| ROIC | 0.44% |
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 of 4.34%. This is in the lower half of the industry: GHI underperforms 61.86% of its industry peers.
- GHI's Profit Margin has declined in the last couple of years.
- With a Operating Margin value of 7.94%, GHI is not doing good in the industry: 61.86% of the companies in the same industry are doing better.
- In the last couple of years the Operating Margin of GHI has declined.
- GHI's Gross Margin of 38.33% is in line compared to the rest of the industry. GHI outperforms 54.64% of its industry peers.
- GHI's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 7.94% | ||
| PM (TTM) | 4.34% | ||
| GM | 38.33% |
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 31.68. This is a negative value and a sign of low solvency as GHI would need 31.68 years to pay back of all of its debts.
- GHI has a worse Debt to FCF ratio (31.68) than 60.82% of its industry peers.
- GHI has a Debt/Equity ratio of 2.34. This is a high value indicating a heavy dependency on external financing.
- GHI has a Debt to Equity ratio of 2.34. This is in the lower half of the industry: GHI underperforms 70.10% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.34 | ||
| Debt/FCF | 31.68 | ||
| Altman-Z | N/A |
ROIC/WACC0.08
WACC5.51%
2.3 Liquidity
- A Current Ratio of 0.25 indicates that GHI may have some problems paying its short term obligations.
- GHI has a Current ratio of 0.25. This is in the lower half of the industry: GHI underperforms 67.01% of its industry peers.
- A Quick Ratio of 0.25 indicates that GHI may have some problems paying its short term obligations.
- With a Quick ratio value of 0.25, GHI is not doing good in the industry: 67.01% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.25 | ||
| Quick Ratio | 0.25 |
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%.
- The Earnings Per Share has been decreasing by -8.83% on average over the past years.
- The Revenue has decreased by -0.95% in the past 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)-0.95%
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 very negative growth in Earnings Per Share. The EPS will decrease by -12.78% on average per year.
- The Revenue is expected to grow by 0.10% on average over the next years.
EPS Next Y-113.12%
EPS Next 2Y-12.78%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-2.59%
Revenue Next 2Y0.1%
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 decreasing.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 45.00, GHI can be considered very expensive at the moment.
- Based on the Price/Earnings ratio, GHI is valued a bit more expensive than 71.13% of the companies in the same industry.
- GHI's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 28.39.
- The Price/Forward Earnings ratio is 13.83, which indicates a correct valuation of GHI.
- The rest of the industry has a similar Price/Forward Earnings ratio as GHI.
- Compared to an average S&P500 Price/Forward Earnings ratio of 25.72, GHI is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 45 | ||
| Fwd PE | 13.83 |
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 65.98% of the companies in the same industry.
- Based on the Price/Free Cash Flow ratio, GHI is valued cheaply inside the industry as 92.78% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.69 | ||
| EV/EBITDA | 164.58 |
4.3 Compensation for Growth
- A cheap valuation may be justified as GHI's earnings are expected to decrease with -12.78% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-12.78%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 12.33%, GHI is a good candidate for dividend investing.
- Compared to an average industry Dividend Yield of 2.09, GHI pays a better dividend. On top of this GHI pays more dividend than 97.94% of the companies listed in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.82, GHI pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 12.33% |
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
- 914.80% of the earnings are spent on dividend by GHI. This is not a sustainable payout ratio.
- The Dividend Rate of GHI has been decling, while earnings will also be declining. This means the current dividend is most likely not sustainable.
DP914.8%
EPS Next 2Y-12.78%
EPS Next 3YN/A
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.
What is the valuation status of GREYSTONE HOUSING IMPACT INV (GHI) stock?
ChartMill assigns a valuation rating of 3 / 10 to GREYSTONE HOUSING IMPACT INV (GHI). This can be considered as Overvalued.
Can you provide the profitability details for GREYSTONE HOUSING IMPACT INV?
GREYSTONE HOUSING IMPACT INV (GHI) has a profitability rating of 2 / 10.
Can you provide the PE and PB ratios for GHI stock?
The Price/Earnings (PE) ratio for GREYSTONE HOUSING IMPACT INV (GHI) is 45 and the Price/Book (PB) ratio is 0.49.
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 -113.12% in the next year.