Guild Holdings Company

Guild Holdings Company

GHLD·NYSE

$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.

At a Glance

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

Guild Holdings Company Street Expectations Map

GHLD · NYSE

Wall Street analysts project that GHLD stock may decline over the coming 12 months. The consensus 1-year price target stands at 17.63, with estimates ranging from a low of 15.50 to a high of 19.00.

Lowest Target
15.50
-22.54%
Consensus Target
17.63
-11.89%
Highest Target
19.00
-5.05%

The consensus 1-year price target stands at 17.63, with estimates ranging from a low of 15.50 to a high of 19.00.

Analyst Consensus Analysis

Upside Potential

-11.9%

Downside risk. Current price above analyst targets indicates potential overvaluation. Exercise caution and review catalysts.

Analyst Agreement

19.9% spread

High analyst agreement. Narrow target range indicates strong consensus on valuation, suggesting clear investment thesis and predictable outlook.

Risk-Reward Profile

0.22x

Unfavorable risk-reward. Downside risk exceeds upside potential. Consider defensive positioning or alternative opportunities.

Analyst Conviction

Low

Bearish or uncertain outlook. Limited upside or poor consensus suggests challenges ahead or fundamental concerns.

Market Sentiment Insight

Consensus overvaluation: Analysts agree the stock is richly valued with limited upside. Consider booking profits or defensive positioning unless you have contrarian conviction in unrecognized catalysts.

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Guild Holdings Company Forward Estimates of Revenue

GHLD · NYSE
Latest Revenue
1.17B
FY 2024
Avg Estimate
1.13B
FY 2025
Estimate Range
1.09B - 1.16B
Analyst Spread

Forward Growth Analysis

Projected Growth-4.0%

Declining expectations indicate headwinds—investigate whether temporary or structural issues.

Analyst Coverage1 Analysts

Limited coverage may indicate reduced institutional interest or information availability.

Estimate Spread6%

Narrow estimate range signals strong analyst consensus and predictable business outlook.

OutlookNeutral

Mixed signals—some positive indicators offset by concerns about growth or uncertainty.

ghld

Guild Holdings Company Forward Estimates of Net Income

GHLD · NYSE
Latest Net Income
97.13M
FY 2024
Avg Estimate
123.75M
FY 2025
Estimate Range
118.53M - 128.96M
Analyst Spread

Forward Growth Analysis

Projected Growth+27.4%

Strong growth expectations signal robust business momentum and market opportunity expansion.

Analyst Coverage1 Analysts

Limited coverage may indicate reduced institutional interest or information availability.

Estimate Spread8%

Narrow estimate range signals strong analyst consensus and predictable business outlook.

OutlookPositive

Generally favorable outlook with reasonable growth prospects and analyst support.

Key Insight

Compelling growth story with analyst consensus: Strong projected growth combined with narrow estimate spread suggests high-conviction opportunity.

ghld

Guild Holdings Company Forward Estimates of EPS

GHLD · NYSE
Latest EPS
1.58
FY 2024
Avg Estimate
$2.00
FY 2025
Estimate Range
$1.91 - $2.08
Analyst Spread

Forward Growth Analysis

Projected Growth+26.3%

Strong growth expectations signal robust business momentum and market opportunity expansion.

Analyst Coverage1 Analysts

Limited coverage may indicate reduced institutional interest or information availability.

Estimate Spread8%

Narrow estimate range signals strong analyst consensus and predictable business outlook.

OutlookPositive

Generally favorable outlook with reasonable growth prospects and analyst support.

Key Insight

Compelling growth story with analyst consensus: Strong projected growth combined with narrow estimate spread suggests high-conviction opportunity.

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Guild Holdings Company Forward Estimates of EBIT

GHLD · NYSE
Latest EBIT
119.06M
FY 2024
Avg Estimate
204.84M
FY 2025
Estimate Range
197.97M - 211.24M
Analyst Spread

Forward Growth Analysis

Projected Growth+72.1%

Strong growth expectations signal robust business momentum and market opportunity expansion.

Analyst Coverage1 Analysts

Limited coverage may indicate reduced institutional interest or information availability.

Estimate Spread6%

Narrow estimate range signals strong analyst consensus and predictable business outlook.

OutlookPositive

Generally favorable outlook with reasonable growth prospects and analyst support.

Key Insight

Compelling growth story with analyst consensus: Strong projected growth combined with narrow estimate spread suggests high-conviction opportunity.

ghld

Guild Holdings Company Forward Estimates of EBITDA

GHLD · NYSE
Latest EBITDA
156.84M
FY 2024
Avg Estimate
237.04M
FY 2025
Estimate Range
229.09M - 244.44M
Analyst Spread

Forward Growth Analysis

Projected Growth+51.1%

Strong growth expectations signal robust business momentum and market opportunity expansion.

Analyst Coverage1 Analysts

Limited coverage may indicate reduced institutional interest or information availability.

Estimate Spread6%

Narrow estimate range signals strong analyst consensus and predictable business outlook.

OutlookPositive

Generally favorable outlook with reasonable growth prospects and analyst support.

Key Insight

Compelling growth story with analyst consensus: Strong projected growth combined with narrow estimate spread suggests high-conviction opportunity.

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Guild Holdings Company Forward Estimates of SG&A Expense

GHLD · NYSE
Latest SG&A Expense
770.17M
FY 2024
Avg Estimate
719.03M
FY 2025
Estimate Range
694.91M - 741.50M
Analyst Spread

Forward Growth Analysis

Projected Growth-6.6%

Declining expectations indicate headwinds—investigate whether temporary or structural issues.

Analyst Coverage1 Analysts

Limited coverage may indicate reduced institutional interest or information availability.

Estimate Spread6%

Narrow estimate range signals strong analyst consensus and predictable business outlook.

OutlookNeutral

Mixed signals—some positive indicators offset by concerns about growth or uncertainty.

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Guild Holdings Company Insider Positioning

GHLD · NYSE

During the last 12 months, insiders have sold $163K worth of GHLD shares, with no buying activity reported.

3 Months

Bought

0

0.00

Sold

0

0.00

Net Activity

+0

+$0

3-6 Months

Bought

0

0.00

Sold

0

0.00

Net Activity

+0

+$0

6-9 Months

Bought

0

0.00

Sold

0

0.00

Net Activity

+0

+$0

9-12 Months

Bought

0

0.00

Sold

8.3K

163.21K

Net Activity

-163K

-$163K

Top Buyers

No buying activity

Top Sellers

1
STL

Schmidt Terry Lynn

Director, 10 Percent Owner, Officer: Ceo

6.4K shares1 transactions

$127K

2
NDM

Neylan David Manuel

Officer: President And Coo

1.8K shares1 transactions

$35K

3
MSEL

Mcgarry Strategic Enterprises, Llc

10 Percent Owner

100 shares1 transactions

$2K

Insider Activity Analysis

Net Insider Sentiment

Bearish

Strong bearish signal with $163K net selling. Heavy insider selling may indicate concerns about valuation or near-term prospects.

Buy/Sell Ratio

0.00:1

Very poor ratio. Heavy selling with minimal buying suggests insiders may be concerned about valuation or outlook.

Insider Participation

High Selling

3 insider sellers vs. 0 buyers. Widespread selling across multiple insiders may signal concerns.