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GHLD stock logo

GHLD

Guild Holdings Company

$20.01
0.14
 (0.7%)
Exchange:  
Market Cap:  1.246B
Shares Outstanding:  60M
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Financial – Mortgages
   
CEO:  Terry Lynn Schmidt
Full Time Employees:  5270
Address: 
5887 Copley Drive
San Diego
CA
92111
US
Website:  https://www.guildmortgage.com
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.

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Revenue Segmentation

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EPS

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Earnings Call

Full text

Earnings transcript

Read the complete earnings call transcript.

AI summary

Key takeaways

Short, structured highlights from the call so you can focus on what matters.

2025/04/23 — Q1 quarter 2025

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202220232024
Revenue1,164,821663,8621,049,711
Gross Profit473,929677,8941,049,711
EBITDA840,76959,49424,551
Operating Income487,21659,494-219,686
Net Income328,598-39,00997,131

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(* All numbers are in thousands)

Balance Sheet

Year202220232024
Total Assets3,239,5913,676,7204,768,303
Total Liabilities1,990,3042,493,2273,514,293
Total Stockholders Equity1,249,2211,183,1561,254,010
Total Debt1,576,0872,060,6823,034,793
Cash and Cash Equivalents137,891120,260118,203

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(* All numbers are in thousands)

Cash Flow Statement

Year202220232024
Operating Cash Flow1,259,593-91,719-659,622
Capital Expenditure-3,861-5,512-9,369
Free Cash Flow1,255,732-97,231-668,991
Net Income328,630-39,00996,932
Net Change in Cash-101,366-19,373-2,325

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2027Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)1,427,614.645Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)1,501,437.214Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)1,464,525.930Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)300,109.241Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)315,628.020Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)307,868.631Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)128,898.929Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)140,250.481Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)134,574.705Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)910,355.509Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)957,430.385Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)933,892.947Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)2.170Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)2.260Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)2.080Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)2Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)1Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
1B  ?P/S
 (TTM)
: 
0.96
?Net Income
 (TTM)
: 
97.131M  ?P/E
 (TTM)
: 
9.86
?Enterprise Value
 (TTM)
: 
4.474B  ?EV/FCF
 (TTM)
: 
22.36
?Dividend Yield
 (TTM)
: 
0.04  ?Payout Ratio
 (TTM)
: 
0.73
?ROE
 (TTM)
: 
0.1  ?ROIC
 (TTM)
: 
0.62
?Net Debt
 (TTM)
: 
2.91B  ?Debt/Equity
 (TTM)
: 
2.69
?P/B
 (TTM)
: 
1  ?Current Ratio
 (TTM)
: 
0.12

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Full Access for high/low estimates and the interactive table.

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
10.21Full AccessFull AccessFull AccessFull Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.


Calculate GHLD Intrinsic Value

Common questions about GHLD valuation

Is Guild Holdings Company (GHLD) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for Guild Holdings Company (GHLD) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is GHLD a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether GHLD trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is GHLD’s P/E ratio?

You can see GHLD’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for GHLD?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is GHLD a good long-term investment?

Whether GHLD fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

GHLD

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

0.7
MARKETSnap

Trading Metrics:

Open: 20.03   Previous Close: 19.87
Day Low: 20.01   Day High: 20.08
Year Low: 11.21   Year High: 23.57
Price Avg 50: 19.91   Price Avg 200: 17.06
Volume: 116285   Average Volume: 31079

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See in Nexus

Relevant news

Robinhood's Stephanie Guild on if the bull market still has room to run into 2026
29-12-2025 14:51
Robinhood's Stephanie Guild on if the bull market still has room to run into 2026
Worried about S&P 500, will go up in 2026 but not by much, says Robinhood's Stephanie Guild
11-12-2025 17:19
Worried about S&P 500, will go up in 2026 but not by much, says Robinhood's Stephanie Guild
Bayview Completes Acquisition of Guild Holdings Company
28-11-2025 08:00
Bayview Completes Acquisition of Guild Holdings Company
Bitcoin has been a net buy over the last couple of days, says Robinhood's Stephanie Guild
24-11-2025 15:26
Bitcoin has been a net buy over the last couple of days, says Robinhood's Stephanie Guild

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