Greystone Housing Impact Investors LP (GHI)vsPennyMac Finl Svcs Inc (PFSI)
GHI
Greystone Housing Impact Investors LP
$4.96
-1.78%
FINANCIAL SERVICES · Cap: $126.17M
PFSI
PennyMac Finl Svcs Inc
$86.43
+2.53%
FINANCIAL SERVICES · Cap: $4.51B
Smart Verdict
WallStSmart Research — data-driven comparison
PennyMac Finl Svcs Inc generates 13643% more annual revenue ($3.46B vs $25.19M). PFSI leads profitability with a 14.5% profit margin vs -30.8%. GHI appears more attractively valued with a PEG of 1.04. PFSI earns a higher WallStSmart Score of 62/100 (C+).
GHI
Avoid33
out of 100
Grade: F
PFSI
Buy62
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-564.7%
Fair Value
$1.16
Current Price
$4.96
$3.80 premium
Margin of Safety
-25.3%
Fair Value
$72.17
Current Price
$86.43
$14.26 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Premium valuation, high expectations priced in
Smaller company, higher risk/reward
Weak financial health signals
ROE of -2.0% — below average capital efficiency
0.6% earnings growth
Weak financial health signals
Expensive relative to growth rate
Negative free cash flow — burning cash
Comparative Analysis Report
WallStSmart ResearchBull Case : GHI
The strongest argument for GHI centers on Price/Book. PEG of 1.04 suggests the stock is reasonably priced for its growth.
Bull Case : PFSI
The strongest argument for PFSI centers on P/E Ratio, Price/Book.
Bear Case : GHI
The primary concerns for GHI are P/E Ratio, Market Cap, Piotroski F-Score. Debt-to-equity of 2.73 is elevated, increasing financial risk.
Bear Case : PFSI
The primary concerns for PFSI are EPS Growth, Piotroski F-Score, PEG Ratio. Debt-to-equity of 5.35 is elevated, increasing financial risk.
Key Dynamics to Monitor
GHI profiles as a turnaround stock while PFSI is a value play — different risk/reward profiles.
PFSI carries more volatility with a beta of 1.54 — expect wider price swings.
PFSI is growing revenue faster at 5.1% — sustainability is the question.
GHI generates stronger free cash flow (9M), providing more financial flexibility.
Bottom Line
PFSI scores higher overall (62/100 vs 33/100). Both earn "Buy" and "Avoid" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Greystone Housing Impact Investors LP
FINANCIAL SERVICES · MORTGAGE FINANCE · USA
Greystone Housing Impact Investors LP acquires, holds, sells, and deals in a portfolio of mortgage revenue bonds (MRBs) that are issued to provide construction and/or permanent financing for multifamily and student housing, and residential and commercial properties. The company is headquartered in Omaha, Nebraska.
Visit Website →PennyMac Finl Svcs Inc
FINANCIAL SERVICES · MORTGAGE FINANCE · USA
PennyMac Financial Services, Inc. is engaged in investment management and mortgage banking activities in the United States. The company is headquartered in Westlake Village, California.
Visit Website →Compare with Other MORTGAGE FINANCE Stocks
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