GREYSTONE HOUSING IMPACT INV (GHI) Stock Fundamental Analysis
USA - NYSE:GHI - US02364V2060
8.41 USD
-0.25 (-2.89%)
Overall GHI gets a fundamental rating of 3 out of 10. We evaluated GHI against 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
GHI had negative earnings in the past year.
In the past year GHI had a positive cash flow from operations.
GHI had positive earnings in each of the past 5 years.
GHI had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
GHI has a Return On Assets of -0.15%. This is in the lower half of the industry: GHI underperforms 76.77% of its industry peers.
GHI has a worse Return On Equity (-0.57%) than 73.74% of its industry peers.
GHI has a worse Return On Invested Capital (0.53%) than 64.65% 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 7.79%.
| 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
In the last couple of years the Profit Margin of GHI has declined.
GHI has a Operating Margin of 8.53%. This is comparable to the rest of the industry: GHI outperforms 40.40% of its industry peers.
GHI's Operating Margin has declined in the last couple of years.
GHI has a Gross Margin (37.59%) which is in line with its industry peers.
GHI's Gross Margin has declined in the last couple of years.
| 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.
The number of shares outstanding for GHI has been increased compared to 1 year ago.
Compared to 5 years ago, GHI has more shares outstanding
GHI has a worse debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of GHI is 35.70, which is on the high side as it means it would take GHI, 35.70 years of fcf income to pay off all of its debts.
GHI has a Debt to FCF ratio (35.70) which is in line with its industry peers.
A Debt/Equity ratio of 2.19 is on the high side and indicates that GHI has dependencies on debt financing.
GHI has a worse Debt to Equity ratio (2.19) than 67.68% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.19 | ||
| Debt/FCF | 35.7 | ||
| Altman-Z | N/A |
ROIC/WACC0.1
WACC5.11%
2.3 Liquidity
A Current Ratio of 0.20 indicates that GHI may have some problems paying its short term obligations.
GHI has a Current ratio of 0.20. This is in the lower half of the industry: GHI underperforms 70.71% of its industry peers.
A Quick Ratio of 0.20 indicates that GHI may have some problems paying 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
The earnings per share for GHI have decreased strongly by -106.47% in the last year.
The Earnings Per Share has been decreasing by -8.83% on average over the past years.
The Revenue has decreased by -0.37% 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)-106.47%
EPS 3Y-20.47%
EPS 5Y-8.83%
EPS Q2Q%-284.21%
Revenue 1Y (TTM)-0.37%
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 37.20% on average per year.
GHI is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.84% yearly.
EPS Next Y-15.4%
EPS Next 2Y37.2%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year4.58%
Revenue Next 2Y4.84%
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 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 negative for GHI. In the last year negative earnings were reported.
A Price/Forward Earnings ratio of 5.80 indicates a rather cheap valuation of GHI.
Based on the Price/Forward Earnings ratio, GHI is valued cheaper than 82.83% of the companies in the same industry.
GHI is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.63, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 5.8 |
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 67.68% 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 rather cheap valuation: GHI is cheaper than 84.85% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.59 | ||
| EV/EBITDA | 150.48 |
4.3 Compensation for Growth
GHI's earnings are expected to grow with 37.20% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y37.2%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 13.75%, GHI is a good candidate for dividend investing.
In the last 3 months the price of GHI has falen by -23.61%. 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 5.10, GHI pays a better dividend. On top of this GHI pays more dividend than 97.98% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.31, GHI pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 13.75% |
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 has negative earnings and hence a negative payout ratio. The dividend may be in danger.
DP-1762.3%
EPS Next 2Y37.2%
EPS Next 3YN/A
NYSE:GHI (10/29/2025, 8:04:01 PM)
8.41
-0.25 (-2.89%)
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 Change25.08%
Market Cap198.31M
Revenue(TTM)95.65M
Net Income(TTM)-2162700
Analysts82.86
Price Target13.6 (61.71%)
Short Float %0.19%
Short Ratio0.61
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 13.75% |
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)0%
PT rev (3m)-10.11%
EPS NQ rev (1m)0%
EPS NQ rev (3m)5.17%
EPS NY rev (1m)0%
EPS NY rev (3m)-43.59%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.74%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.75%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 5.8 | ||
| P/S | 2.07 | ||
| P/FCF | 6.59 | ||
| P/OCF | 6.59 | ||
| P/B | 0.53 | ||
| P/tB | 0.53 | ||
| EV/EBITDA | 150.48 |
EPS(TTM)-0.08
EYN/A
EPS(NY)1.45
Fwd EY17.23%
FCF(TTM)1.28
FCFY15.17%
OCF(TTM)1.28
OCFY15.17%
SpS4.06
BVpS15.95
TBVpS15.95
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
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
WACC5.11%
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)-106.47%
EPS 3Y-20.47%
EPS 5Y-8.83%
EPS Q2Q%-284.21%
EPS Next Y-15.4%
EPS Next 2Y37.2%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-0.37%
Revenue growth 3Y10.07%
Revenue growth 5Y3.07%
Sales Q2Q%7.38%
Revenue Next Year4.58%
Revenue Next 2Y4.84%
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 3 / 10 to GHI.
Can you provide the valuation status for GREYSTONE HOUSING IMPACT INV?
ChartMill assigns a valuation rating of 5 / 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 -15.4% 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%.