GHLD - NYSE

Guild Holdings Company

Guild Holdings Company

GHLDยทNYSE

$20.01

+0.0000%
Financial ServicesFinancial - Mortgages

Guild 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.

StatementsValue Model

At a Glance

Live Snapshot
Market Cap$1.25B
EPS1.5800
P/E Ratio12.66
Earnings Date03/05/2026
Guild Holdings Company

Guild Holdings Company Fair Value Envelope

GHLD ยท NYSE

Our analysis suggests that GHLD has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $20.01, this represents a potential HIDDEN relative to our calculated worth for Guild Holdings Company.

HIDDEN
Intrinsic Value
Current Price: $20.01

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value-$570.0M
+ Cash & Equivalents$118.2M
Firm Value-$451.8M
- Debt$3.0B
Equity Value-$3.5B
/ Shares Outstanding62,253,377B
DCF Value-$56
OVERVALUED BY 380%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
-$329.8M
-$164.9M
-$82.5M
-$41.2M
-$20.6M
-$10.3M
-$5.2M
-$2.6M
-$1.3M
-$644.2K
Maintenance CapEx
-$936.9K
-$468.5K
-$234.2K
-$117.1K
-$58.6K
-$29.3K
-$14.6K
-$7.3K
-$3.7K
-$1.8K
Owner Earnings
-$330.7M
-$165.4M
-$82.7M
-$41.3M
-$20.7M
-$10.3M
-$5.2M
-$2.6M
-$1.3M
-$646.0K
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
-$306.2M
-$141.8M
-$65.6M
-$30.4M
-$14.1M
-$6.5M
-$3.0M
-$1.4M
-$646.3K
-$299.2K
Terminal Value represents 0.0% of Enterprise Value
Negative Owner Earnings
This company generates negative free cash flow. Consider adjusting maintenance CapEx percentage or check the financial data.

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