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6Material company update
Nov 28, 2025·SEC
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Nov 5, 2025·SEC
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Aug 7, 2025·SEC
Guild Holdings Company(GHLD)Earnings, Financials & Key Ratios
GHLD•NYSE
$20.01
12.8× P/E·Price updated Jun 20, 2026
AboutGuild Holdings Company, a mortgage company, originates, sells, and services residential mortgage loans in the United States. The company operates approximately 260 branches with licenses in 49 states. It originates residential mortgages through retail and correspondent channels. The company was incorporated in 1960 and is headquartered in San Diego, California.Show more
- EBITDA$157M+1649.1%
- Net Income$97M+349.0%
- EPS (Diluted)1.56+343.8%
- Gross Margin90.65%-0.3%
- EBITDA Margin13.35%+1063.0%
- Operating Margin10.13%+260.4%
- Net Margin8.27%+254.8%
- ROE7.97%+348.5%
GHLD Price & Volume
Guild Holdings Company (GHLD) stock price & volume — 10-year historical chart
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Cyclical Mortgage Volatility Masks Underlying Operational Risks
Investment Thesis • Updated 2025Q3
VerdictNeutral
Growth:Mixed
Profitability:Strained
Financial:Strained
Cash Flow:Mixed
Primary Risk:Warehouse financing liquidity dependency
Key Thesis Takeaways
- Guild Holdings faces significant earnings volatility driven by interest rate sensitivity and a high-touch retail distribution model that struggles to scale during market troughs.
- While the company maintains a P/E of 12.83, investors should remain cautious regarding the sustainability of its profitability given the extreme fluctuations in quarterly net income, which swung from a $97.9M profit in 2024Q4 to a $66.9M loss in 2024Q3.
- Future performance remains tethered to the company's ability to manage its $3.3B debt load and navigate the inherent cyclicality of the purchase-money mortgage market.
Verdict Logic
while the forward P/E of 10.23 suggests potential value, the extreme volatility in the OCF/NI ratio, which reached -22.93 in 2025Q2, indicates that earnings quality remains too unstable for a high-conviction long position.
GHLD Growth Metrics
Guild Holdings Company (GHLD) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years8.52%
3 Years-10.7%
TTM-
Profit CAGR
10 Years-
5 Years77.09%
3 Years-30.05%
TTM234.34%
EPS CAGR
10 Years-
5 Years75.76%
3 Years-30.61%
TTM229.68%
Return on Capital
10 Years22.16%
5 Years29.01%
3 Years9.15%
Last Year5.19%
GHLD Recent Earnings
Guild Holdings Company (GHLD) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 7/12 qtrs (58%)●Beat Revenue 6/12 qtrs (50%)
Q4 2025Latest
Nov 5, 2025Metric
Actual
Est
EPS
$0.75+47.1%
$0.51
Rev
$344M+11.8%
$308M
Q3 2025
Aug 7, 2025Metric
Actual
Est
EPS
$0.66+53.5%
$0.43
Rev
$297M-0.2%
$297M
Q2 2025
May 7, 2025Metric
Actual
Est
EPS
$0.35+105.9%
$0.17
Rev
$226M-6.0%
$240M
Q2 2025
Mar 6, 2025Metric
Actual
Est
EPS
$0.32-3.0%
$0.33
Rev
$408M+34.7%
$303M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q4 2025Latest | Nov 5, 2025 | $0.75vs $0.51+47.1% | $344Mvs $308M+11.8% |
| Q3 2025 | Aug 7, 2025 | $0.66vs $0.43+53.5% | $297Mvs $297M-0.2% |
| Q2 2025 | May 7, 2025 | $0.35vs $0.17+105.9% | $226Mvs $240M-6.0% |
| Q2 2025 | Mar 6, 2025 | $0.32vs $0.33-3.0% | $408Mvs $303M+34.7% |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for Guild Holdings Company (GHLD)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $20.01 | $439.06M | 12.83 | 60.87% | 8.27% | 7.97% | 2.47% | |
| $2.06 | $320.43M | 17.17 | 65.83% | 2.14% | 4.07% | — | |
| $14.63 | $41.32B | -532.00 | 27.37% | 2.82% | 1.53% | — | |
| $81.11 | $4.23B | 8.72 | 173.81% | 14.31% | 12.02% | — | |
| $4.69 | $53.6M | 10.42 | -10.55% | 59.17% | 11.59% | — | |
| $1.16 | $388.63M | -3.87 | 37.59% | -5.42% | -19.61% | — |
Compare GHLD vs Peers
Guild Holdings Company (GHLD) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
GHLD SEC Filings & Documents
Guild Holdings Company (GHLD) SEC filings — annual & quarterly reports (10-K, 10-Q)
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GHLD Frequently Asked Questions
Guild Holdings Company (GHLD) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
What is Guild Holdings Company's revenue?
Guild Holdings Company (GHLD) reported $1.30B in revenue for fiscal year 2024.
How fast is Guild Holdings Company growing?
Guild Holdings Company (GHLD) grew revenue by 60.9% over the past year. This is strong growth.
Is GHLD profitable?
Yes, Guild Holdings Company (GHLD) is profitable, generating $126.0M in net income for fiscal year 2024 (8.3% net margin).
Dividend & Returns
Does GHLD pay dividends?
Yes, Guild Holdings Company (GHLD) pays a dividend with a yield of 2.47%. This makes it attractive for income-focused investors.
What is GHLD's return on equity?
Guild Holdings Company (GHLD) has a return on equity (ROE) of 8.0%. This is below average, suggesting room for improvement.
What is Guild Holdings Company's free cash flow?
Guild Holdings Company (GHLD) generated $24.9M in free cash flow for fiscal year 2024. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.