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Financial Services - Financial - Mortgages - NYSE - US
$ 13.98
-7.36 %
$ 865 M
Market Cap
8.96
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one GHLD stock under the worst case scenario is HIDDEN Compared to the current market price of 14 USD, Guild Holdings Company is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one GHLD stock under the base case scenario is HIDDEN Compared to the current market price of 14 USD, Guild Holdings Company is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one GHLD stock under the best case scenario is HIDDEN Compared to the current market price of 14 USD, Guild Holdings Company is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart GHLD

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$16.0$16.0$15.5$15.5$15.0$15.0$14.5$14.5$14.0$14.0$13.5$13.5$13.0$13.0$12.5$12.5$12.0$12.0$11.5$11.515 Oct15 OctNov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '25
FINANCIALS
1.05 B REVENUE
58.12%
-220 M OPERATING INCOME
-369.26%
96.9 M NET INCOME
348.49%
-660 M OPERATING CASH FLOW
-619.18%
-152 M INVESTING CASH FLOW
-11.56%
810 M FINANCING CASH FLOW
287.51%
373 M REVENUE
134.20%
350 M OPERATING INCOME
495.87%
97.9 M NET INCOME
246.02%
202 M OPERATING CASH FLOW
133.47%
-36.8 M INVESTING CASH FLOW
-6.54%
-152 M FINANCING CASH FLOW
-335.91%
Balance Sheet Guild Holdings Company
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Current Assets 118 M
Cash & Short-Term Investments 118 M
Receivables 0
Other Current Assets 0
Non-Current Assets 312 M
Long-Term Investments 0
PP&E 86.2 M
Other Non-Current Assets 226 M
27.47 %20.02 %52.51 %Total Assets$430.4m
Current Liabilities 0
Accounts Payable 0
Short-Term Debt 0
Other Current Liabilities 0
Non-Current Liabilities 551 M
Long-Term Debt 300 M
Other Non-Current Liabilities 251 M
54.40 %45.60 %Total Liabilities$551.4m
EFFICIENCY
Earnings Waterfall Guild Holdings Company
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Revenue 1.05 B
Cost Of Revenue 0
Gross Profit 1.05 B
Operating Expenses 1.06 B
Operating Income -220 M
Other Expenses -317 M
Net Income 96.9 M
1b1b1b1b800m800m600m600m400m400m200m200m00(200m)(200m)(400m)(400m)1b01b(1b)(220m)317m97mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
-20.93% OPERATING MARGIN
-20.93%
9.25% NET MARGIN
9.25%
7.75% ROE
7.75%
2.04% ROA
2.04%
-41.56% ROIC
-41.56%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Guild Holdings Company
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1b1b1b1b1b1b800m800m600m600m400m400m200m200m00(200m)(200m)(400m)(400m)(600m)(600m)(800m)(800m)20192019202020202021202120222022202320232024202420252025
Net Income 96.9 M
Depreciation & Amortization 15.1 K
Capital Expenditures -9.37 M
Stock-Based Compensation 9.7 M
Change in Working Capital -44.6 M
Others -766 M
Free Cash Flow -669 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Guild Holdings Company
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Wall Street analysts predict an average 1-year price target for GHLD of $18.3 , with forecasts ranging from a low of $17 to a high of $19 .
GHLD Lowest Price Target Wall Street Target
17 USD 21.60%
GHLD Average Price Target Wall Street Target
18.3 USD 31.14%
GHLD Highest Price Target Wall Street Target
19 USD 35.91%
Price
Max Price Target
Min Price Target
Average Price Target
191918181717161615151414131312121111May '24May '24Jul '24Jul '24Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26
4. DIVIDEND ANALYSIS
0.00% DIVIDEND YIELD
0.5 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
3.53.53.03.02.52.52.02.01.51.51.01.00.50.50.00.00.510.50.513.000.500.000.0020212021202320232024202420252025
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5. COMPETITION
slide 2 of 5
6. Ownership
Insider Ownership Guild Holdings Company
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Sold
0-3 MONTHS
16.5 K USD 1
3-6 MONTHS
53.9 K USD 1
6-9 MONTHS
0 USD 0
9-12 MONTHS
84.1 K USD 1
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
320 K USD 9
9-12 MONTHS
7. News
Seeing less buying across the board on all dips: Robinhood's Stephanie Guild on retail investors Stephanie Guild, Robinhood Financial Head of Investment Strategy, joins 'Fast Money' to talk retail investor trends she is seeing. youtube.com - 2 weeks ago
Guild (GHLD) Moves 5.2% Higher: Will This Strength Last? Guild (GHLD) saw its shares surge in the last session with trading volume being higher than average. The latest trend in earnings estimate revisions may not translate into further price increase in the near term. zacks.com - 3 weeks ago
GHLD vs. HASI: Which Stock Is the Better Value Option? Investors with an interest in Financial - Miscellaneous Services stocks have likely encountered both Guild Holdings Company (GHLD) and HA Sustainable Infrastructure Capital (HASI). But which of these two stocks offers value investors a better bang for their buck right now? zacks.com - 1 month ago
Diversification makes sense right now, says Robinhood's Stephanie Guild Robinhood's Stephanie Guild and Merrill's Marci McGregor, join 'Closing Bell' to discuss the market volatility, impact of tariffs and earnings. youtube.com - 1 month ago
Guild Holdings Company (GHLD) Q4 2024 Earnings Call Transcript Guild Holdings Company (NYSE:GHLD ) Q4 2024 Earnings Conference Call March 6, 2025 5:00 AM ET Company Participants Terry Schmidt – Chief Executive Officer David Neylan – President and Chief Operating Officer Amber Kramer – Chief Financial Officer Conference Call Participants Derek Sommers – Jefferies Rick Shane – JPMorgan Jake Katsikas – BTIG Operator Good afternoon, ladies and gentlemen, and welcome to the Guild Holdings Company Fourth Quarter and Full Year 2024 Earnings Conference Call. At this time all participants are in a listen-only mode. seekingalpha.com - 1 month ago
Guild Holdings Company (GHLD) Q4 Earnings Lag Estimates Guild Holdings Company (GHLD) came out with quarterly earnings of $0.32 per share, missing the Zacks Consensus Estimate of $0.33 per share. This compares to earnings of $0.20 per share a year ago. zacks.com - 1 month ago
Guild Holdings Company Reports Fourth Quarter and Full Year 2024 Results SAN DIEGO--(BUSINESS WIRE)--Guild Holdings Company (NYSE: GHLD) (“Guild” or the “Company”), a growth-oriented mortgage company that employs a relationship-based loan sourcing strategy to execute on its mission of delivering the promise of homeownership, today announced results for the fourth quarter and full year ended December 31, 2024. “We delivered exceptional growth and strong results in 2024 that demonstrated the disciplined execution of our strategy to grow market share as we continue to. businesswire.com - 1 month ago
New York Times Tech Guild reaches tentative deal with company on three-year contract The NewsGuild of New York said on Wednesday it had reached a tentative deal on a three-year contract with the New York Times , after more than 600 tech workers at NYT went on a week-long strike in November. reuters.com - 4 months ago
New York Times Tech Guild to return to work, negotiations will go on The New York Times Tech Guild is ending a week-long strike that started one day before the U.S. presidential election and will return to work on Tuesday, it said in a post on X on Monday. reuters.com - 5 months ago
Guild Holdings Company (GHLD) Q3 2024 Earnings Call Transcript Guild Holdings Company (NYSE:GHLD ) Q3 2024 Earnings Conference Call November 6, 2024 5:00 PM ET Company Participants Nikki Sacks - Investor Relations Terry Schmidt - Chief Executive Officer David Neylan - President Amber Kramer - Chief Financial Officer Conference Call Participants Eric Hagen - BTIG Derek Sommers - Jefferies Giuliano Bologna - Compass Point Operator Good afternoon, ladies and gentlemen, and welcome to the Guild Holdings Company Third Quarter 2024 Earnings Conference Call. At this time, all participants are in a listen-only mode. seekingalpha.com - 5 months ago
Guild Holdings Company (GHLD) Misses Q3 Earnings and Revenue Estimates Guild Holdings Company (GHLD) came out with quarterly earnings of $0.51 per share, missing the Zacks Consensus Estimate of $0.52 per share. This compares to earnings of $0.48 per share a year ago. zacks.com - 5 months ago
Guild Holdings Company (GHLD) Reports Next Week: Wall Street Expects Earnings Growth Guild (GHLD) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations. zacks.com - 5 months ago
8. Profile Summary

Guild Holdings Company GHLD

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COUNTRY US
INDUSTRY Financial - Mortgages
MARKET CAP $ 865 M
Dividend Yield 0.00%
Description 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.
Contact 5887 Copley Drive, San Diego, CA, 92111 https://www.guildmortgage.com
IPO Date Oct. 22, 2020
Employees 5270
Officers Ms. Bella Guerrero Secretary, Senior Vice President & Chief Compliance Officer Mr. Kurt Reheiser Executive Vice President & Chief Information Officer Ms. Kat Foster Senior Vice President & Director of Credit Risk Mr. David Manuel Neylan President & Chief Operating Officer Mr. Adam O'Daniel Senior Vice President & Chief Marketing Officer Mr. Dave Robertson Senior Vice President & Chief HR Officer Mr. Mike Huber Senior Vice President & General Counsel Ms. Terry Lynn Schmidt Chief Executive Officer & Director Ms. Desiree A. Kramer CPA Senior Vice President & Chief Financial Officer Mr. Barrett Hart Horn Executive Vice President of Growth Champion