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Guild Holdings Company(GHLD)Earnings, Financials & Key Ratios
GHLD•NYSE•Banking & Credit
$20.01
$439M mkt cap·12.8× P/E·Price updated May 5, 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
- Net Interest Income$37M+8.3%
- Total Revenue$1.17B+60.9%
- Net Income$97M+349.0%
- Return on Equity7.97%+348.5%
- Net Interest Margin0.77%-16.5%
- Efficiency Ratio80.51%-17.2%
- ROA2.3%+303.9%
- Equity / Assets26.3%-18.3%
- Book Value per Share20.19+4.0%
- Tangible BV/Share-5.09-63.9%
- Debt/Equity2.42+37.0%
GHLD Key Insights
Guild Holdings Company (GHLD) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Strong 5Y profit CAGR of 77.1%
- ✓Well capitalized: 26.3% equity/assets
- ✓Healthy dividend yield of 2.5%
- ✓Diversified revenue: 87.5% from non-interest income
- ✓Trading at only 1.0x book value
✗Weaknesses
- ✗High debt to equity ratio of 2.4x
- ✗Weak Piotroski F-Score: 3/9
- ✗Weak NIM of 0.8%
- ✗High cost structure: 80.5% efficiency ratio
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
GHLD Price & Volume
Guild Holdings Company (GHLD) stock price & volume — 10-year historical chart
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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, 2025EPS
$0.75
Est $0.51
+47.1%
Revenue
$344M
Est $308M
+11.8%
Q3 2025
Aug 7, 2025EPS
$0.66
Est $0.43
+53.5%
Revenue
$297M
Est $297M
-0.2%
Q2 2025
May 7, 2025EPS
$0.35
Est $0.17
+105.9%
Revenue
$226M
Est $240M
-6.0%
Q2 2025
Mar 6, 2025EPS
$0.32
Est $0.33
-3.0%
Revenue
$408M
Est $303M
+34.7%
| 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 →
GHLD Peer Comparison
Guild Holdings Company (GHLD) competitors in Mortgage servicing and reverse lenders — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 UWMC | 724.07M | 3.43 | 28.54 | 65.83% | 0.87% | 0.92% | ||
 RKT | 1.99B | 14.09 | 67.10 | 34.84% | 0.54% | -1.15% | 1.55 | |
 PFSI | 4.56B | 87.48 | 9.41 | 173.81% | 11.48% | 12.02% | 5.35 | |
 LOAN | 49.19M | 4.30 | 8.78 | 32.68% | 69.99% | 12.22% | 10.02% | 0.52 |
 LDI | 499.19M | 1.49 | -4.97 | 37.59% | -4.08% | -14.5% | 13.05 | |
 ONIT | 330.13M | 38.74 | 1.81 | -0.24% | 17.77% | 33.38% | 21.68 | |
 WAL | 8.99B | 81.86 | 9.38 | 5.17% | 18.37% | 12.81% | 0.82 | |
 HBAN | 25.97B | 16.41 | 11.81 | 4.38% | 17.71% | 10.04% | 8.77% | 0.76 |
Compare GHLD vs Peers
Guild Holdings Company (GHLD) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
GHLD Income Statement
Guild Holdings Company (GHLD) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|
| Net Interest Income | -1.91M | 1.27M | -60.17M | 683K | 16.89M | 33.81M | 36.61M | 2.56M |
| NII Growth % | - | 166.32% | -4852.61% | 101.14% | 2372.47% | 100.19% | 8.28% | -298.8% |
| Net Interest Margin % | -0.09% | 0.05% | -1.25% | 0.02% | 0.52% | 0.92% | 0.77% | 0.05% |
| Interest Income | 43.68M | 58.79M | 0 | 64.11M | 68.14M | 104.4M | 146.45M | 114.14M |
| Interest Expense | 45.59M | 57.52M | 60.17M | 63.43M | 51.26M | 70.6M | 109.84M | 111.57M |
| Loan Loss Provision | 0 | 0 | 1.79M | 0 | 0 | -4.23M | 0 | 0 |
| Non-Interest Income | 510.27M | 721.83M | 1.69B | 1.59B | 1.15B | 625.82M | 1.03B | 1.18B |
| Non-Interest Income % | 92.12% | 92.47% | 100% | 96.11% | 94.43% | 85.7% | 87.53% | 91.2% |
| Total Revenue | 553.95M▲ 0% | 780.61M▲ 40.9% | 1.69B▲ 116.6% | 1.65B▼ 2.4% | 1.22B▼ 25.9% | 730.23M▼ 40.3% | 1.17B▲ 60.9% | 1.3B▲ 0% |
| Revenue Growth % | - | 40.92% | 116.64% | -2.44% | -25.87% | -40.29% | 60.87% | 542.96% |
| Non-Interest Expense | 410.77M | 717.26M | 1.14B | 1.2B | 751.68M | 709.99M | 945.82M | 1.02B |
| Efficiency Ratio | 74.15% | 91.88% | 67.12% | 72.7% | 61.46% | 97.23% | 80.51% | 78.78% |
| Operating Income | 97.59M▲ 0% | 5.83M▼ 94.0% | 494.07M▲ 8374.6% | 386.93M▼ 21.7% | 420.02M▲ 8.6% | -46.13M▼ 111.0% | 119.06M▲ 358.1% | 163.72M▲ 0% |
| Operating Margin % | 17.62% | 0.75% | 29.22% | 23.45% | 34.34% | -6.32% | 10.13% | 12.62% |
| Operating Income Growth % | - | -94.03% | 8374.61% | -21.68% | 8.55% | -110.98% | 358.08% | - |
| Pretax Income | 97.59M▲ 0% | 5.83M▼ 94.0% | 494.07M▲ 8374.6% | 386.93M▼ 21.7% | 420.02M▲ 8.6% | -46.13M▼ 111.0% | 119.06M▲ 358.1% | 163.72M▲ 0% |
| Pretax Margin % | 17.62% | 0.75% | 29.22% | 23.45% | 34.34% | -6.32% | 10.13% | 12.62% |
| Income Tax | 24.26M | 253K | 123.49M | 103.15M | 91.39M | -6.99M | 22.13M | 37.78M |
| Effective Tax Rate % | 24.86% | 4.34% | 25% | 26.66% | 21.76% | 15.16% | 18.58% | 23.08% |
| Net Income | 73.33M▲ 0% | 5.58M▼ 92.4% | 370.58M▲ 6544.7% | 283.77M▼ 23.4% | 328.6M▲ 15.8% | -39.01M▼ 111.9% | 97.13M▲ 349.0% | 126.03M▲ 0% |
| Net Margin % | 13.24% | 0.71% | 21.91% | 17.2% | 26.87% | -5.34% | 8.27% | 9.71% |
| Net Income Growth % | - | -92.4% | 6544.74% | -23.42% | 15.8% | -111.87% | 349% | 234.34% |
| Net Income (Continuing) | 73.33M | 5.58M | 370.58M | 283.78M | 328.63M | -39.14M | 96.93M | 125.94M |
| EPS (Diluted) | 1.22▲ 0% | 0.09▼ 92.4% | 6.18▲ 6545.2% | 4.67▼ 24.4% | 5.35▲ 14.6% | -0.64▼ 112.0% | 1.56▲ 343.8% | 2.01▲ 0% |
| EPS Growth % | - | -92.38% | 6545.16% | -24.43% | 14.56% | -111.96% | 343.75% | 229.68% |
| EPS (Basic) | 1.22 | 0.09 | 6.18 | 4.69 | 5.39 | -0.64 | 1.58 | - |
| Diluted Shares Outstanding | 60M | 60M | 60M | 60.83M | 61.38M | 60.97M | 62.1M | 62.63M |
GHLD Balance Sheet
Guild Holdings Company (GHLD) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 58.51M | 101.73M | 334.62M | 243.11M | 137.89M | 120.26M | 118.2M | 443.69M |
| Cash & Due from Banks | 58.51M | 101.73M | 334.62M | 243.11M | 137.89M | 120.26M | 118.2M | 106.4M |
| Short Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Investments | 77K | 1.52B | 2.5B | 2.23B | 849.86M | 1.23B | 1.98B | 2.31B |
| Investments Growth % | - | 1980112.99% | 63.9% | -10.68% | -61.93% | 45.24% | 60.01% | 102.22% |
| Long-Term Investments | 77K | 1.52B | 2.5B | 2.23B | 849.86M | 1.23B | 1.98B | 8.46B |
| Accounts Receivables | 27.94M | 9.64M | 4.25M | 5.39M | 1.82M | 9.98M | 0 | 0 |
| Goodwill & Intangibles | 572.55M | 481.24M | 509.83M | 891.51M | 1.35B | 1.37B | 1.57B | 1.55B |
| Goodwill | 60.7M | 62.83M | 62.83M | 175.14M | 176.77M | 186.18M | 198.72M | 198.72M |
| Intangible Assets | 511.85M | 418.4M | 447M | 716.37M | 1.17B | 1.19B | 1.37B | 1.36B |
| PP&E (Net) | 12.88M | 9.84M | 102.28M | 102.46M | 88.81M | 79.19M | 86.17M | 79.84M |
| Other Assets | -2.05B | 440.34M | 1.31B | 773.39M | 697.32M | 781.38M | 933.43M | 971.69M |
| Total Current Assets | 1.45B | 151.24M | 394.67M | 383.66M | 254.22M | 209.12M | 203.73M | 182.88M |
| Total Non-Current Assets | 585.43M | 2.46B | 4.42B | 4B | 2.99B | 3.47B | 4.56B | 4.91B |
| Total Assets | 2.04B▲ 0% | 2.61B▲ 27.9% | 4.82B▲ 84.8% | 4.38B▼ 9.0% | 3.24B▼ 26.1% | 3.68B▲ 13.5% | 4.77B▲ 29.7% | 5.1B▲ 0% |
| Asset Growth % | - | 27.92% | 84.78% | -9.03% | -26.09% | 13.49% | 29.69% | 64.35% |
| Return on Assets (ROA) | 3.6% | 0.24% | 9.98% | 6.17% | 8.62% | -1.13% | 2.3% | 2.59% |
| Accounts Payable | 27.95M | 35.34M | 41.07M | 56.84M | 34.09M | 32.64M | 0 | 0 |
| Total Debt | 160M | 3.24B | 5.81B | 3.01B | 1.58B | 2.09B | 3.03B | 3.33B |
| Net Debt | 101.5M | 3.14B | 5.47B | 2.76B | 1.44B | 1.97B | 2.92B | 3.23B |
| Long-Term Debt | 297.19M | 224.61M | 150.39M | 252.84M | 126.78M | 450.95M | 725.98M | 873.74M |
| Short-Term Debt | 839.73M | 3.02B | 5.56B | 2.66B | 1.36B | 1.56B | 2.23B | 2.39B |
| Other Liabilities | -297.19M | -1.26B | -2.05B | 80.02M | 21.79M | 114.09M | 228.06M | 271.33M |
| Total Current Liabilities | 867.68M | 3.1B | 5.71B | 2.79B | 1.43B | 1.63B | 2.23B | 2.39B |
| Total Non-Current Liabilities | 605.27M | -898.12M | -1.63B | 674.54M | 563.28M | 865.89M | 1.28B | 1.47B |
| Total Liabilities | 1.6B | 2.2B | 4.08B | 3.46B | 1.99B | 2.49B | 3.51B | 3.86B |
| Total Equity | 1.71B▲ 0% | 406.03M▼ 76.3% | 735.99M▲ 81.3% | 920.01M▲ 25.0% | 1.25B▲ 35.8% | 1.18B▼ 5.3% | 1.25B▲ 6.0% | 1.24B▲ 0% |
| Equity Growth % | - | -76.27% | 81.27% | 25% | 35.79% | -5.27% | 5.96% | 11.34% |
| Equity / Assets (Capital Ratio) | 83.94% | 15.57% | 15.28% | 20.99% | 38.56% | 32.19% | 26.3% | 24.28% |
| Return on Equity (ROE) | 4.29% | 0.53% | 64.9% | 34.27% | 30.3% | -3.21% | 7.97% | 10.27% |
| Book Value per Share | 28.52 | 6.77 | 12.27 | 15.13 | 20.35 | 19.41 | 20.19 | 19.76 |
| Tangible BV per Share | 18.97 | -1.25 | 3.77 | 0.47 | -1.63 | -3.10 | -5.09 | -5.06 |
| Common Stock | 94K | 93K | 600K | 610K | 609K | 611K | 619K | 622K |
| Additional Paid-in Capital | 22.32M | 21.99M | 18.04M | 42.17M | 42.73M | 47.16M | 52M | 54.86M |
| Retained Earnings | 418.53M | 383.95M | 717.36M | 877.19M | 1.21B | 1.14B | 1.2B | 1.18B |
| Accumulated OCI | -32.18M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 418.53M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
GHLD Cash Flow Statement
Guild Holdings Company (GHLD) cash flow — operating, investing & free cash flow history
| Line item | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|
| Cash from Operations | -31.77M | -424.71M | -468.04M | 680.46M | 1.26B | -91.72M | -659.62M | -659.62M |
| Operating CF Growth % | - | -1237.03% | -10.2% | 245.38% | 85.11% | -107.28% | -619.18% | 1150.54% |
| Net Income | 73.33M | 5.58M | 370.58M | 283.78M | 328.63M | -39.01M | 96.93M | 126.03M |
| Depreciation & Amortization | 7.18M | 7.33M | 26.1M | 33.19M | 31.5M | 36.01M | 37.78M | 35.78M |
| Deferred Taxes | 24.72M | -25.98M | 3.09M | 36.64M | 90.72M | -7.94M | 22.1K | 32.35M |
| Other Non-Cash Items | 14.53M | -284.63M | -625.09M | 796.09M | 1.11B | 80.49M | -556.23M | -64.73M |
| Working Capital Changes | -151.52M | -127.01M | -243.76M | -475.23M | -305.03M | -169.93M | -247.83M | -102.75M |
| Cash from Investing | -25.64M | -13.49M | -18.02M | -104.66M | -7.18M | -136.6M | -152.39M | -127.22M |
| Purchase of Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -65.52M |
| Sale/Maturity of Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Investment Activity | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -65.52M |
| Acquisitions | -20.18M | -8.82M | 35K | -100.23M | -3.5M | -10.03M | -17.71M | 0 |
| Other Investing | 1.23M | -966K | -9.83M | 178K | 183K | -121.06M | -125.31M | -52.64M |
| Cash from Financing | 47.24M | 482.18M | 718.96M | -667.31M | -1.35B | 208.95M | 809.69M | 98.23M |
| Dividends Paid | -40M | -32.5M | -37.17M | -121.06M | 0 | -30.48M | -30.7M | -46.52M |
| Share Repurchases | 0 | -7.99M | 0 | 0 | -5.58M | -3.27M | -1.18M | -1.65M |
| Stock Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Stock Activity | 0 | -7.99M | 0 | 0 | -5.58M | -3.27M | -1.18M | -1.65M |
| Debt Issuance (Net) | 1000K | 1000K | 1000K | -1000K | -1000K | 1000K | 1000K | -2M |
| Other Financing | -2.27M | -5.25M | -10.83M | 25K | -7.3M | -419K | 8.1M | -9.54M |
| Net Change in Cash | -10.17M▲ 0% | 43.98M▲ 532.6% | 232.9M▲ 429.6% | -91.51M▼ 139.3% | -101.37M▼ 10.8% | -19.37M▲ 80.9% | -2.33M▲ 88.0% | 4.92M▲ 0% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 72.92M | 62.76M | 106.73M | 339.63M | 248.12M | 146.75M | 127.38M | 114.43M |
| Cash at End | 62.76M | 106.73M | 339.63M | 248.12M | 146.75M | 127.38M | 125.06M | 116.69M |
| Interest Paid | 35.92M | 40.25M | 0 | 46.33M | 0 | 0 | 0 | 38.55M |
| Income Taxes Paid | 531K | 13.73M | 49.51M | 120.75M | 0 | 0 | 0 | 0 |
| Free Cash Flow | -38.45M▲ 0% | -428.41M▼ 1014.1% | -476.27M▼ 11.2% | 675.85M▲ 241.9% | 1.26B▲ 85.8% | -97.23M▼ 107.7% | -668.99M▼ 588.0% | 24.85M▲ 0% |
| FCF Growth % | - | -1014.15% | -11.17% | 241.9% | 85.8% | -107.74% | -588.04% | 102.92% |
GHLD Banking Ratios
Guild Holdings Company (GHLD) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | TTM |
|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 0.53% | 64.9% | 34.27% | 30.3% | -3.21% | 7.97% | 10.27% |
| Return on Assets (ROA) | 0.24% | 9.98% | 6.17% | 8.62% | -1.13% | 2.3% | 2.59% |
| Net Interest Margin | 0.05% | -1.25% | 0.02% | 0.52% | 0.92% | 0.77% | 0.05% |
| Efficiency Ratio | 91.88% | 67.12% | 72.7% | 61.46% | 97.23% | 80.51% | 78.78% |
| Equity / Assets | 15.57% | 15.28% | 20.99% | 38.56% | 32.19% | 26.3% | 24.28% |
| Book Value / Share | 6.77 | 12.27 | 15.13 | 20.35 | 19.41 | 20.19 | 19.76 |
| NII Growth | 166.32% | -4852.61% | 101.14% | 2372.47% | 100.19% | 8.28% | -69.99% |
| Dividend Payout | 582.75% | 10.03% | 42.66% | - | - | 31.61% | 36.91% |
GHLD SEC Filings & Documents
Guild Holdings Company (GHLD) SEC filings — annual & quarterly reports (10-K, 10-Q)
GHLD Frequently Asked Questions
Guild Holdings Company (GHLD) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Guild Holdings Company (GHLD) grew revenue by 60.9% over the past year. This is strong growth.
Yes, Guild Holdings Company (GHLD) is profitable, generating $126.0M in net income for fiscal year 2024 (8.3% net margin).
Dividend & Returns
Yes, Guild Holdings Company (GHLD) pays a dividend with a yield of 2.47%. This makes it attractive for income-focused investors.
Guild Holdings Company (GHLD) has a return on equity (ROE) of 8.0%. This is below average, suggesting room for improvement.
Industry Metrics
Guild Holdings Company (GHLD) has a net interest margin (NIM) of 0.8%. NIM has been under pressure due to interest rate environment.
Guild Holdings Company (GHLD) has an efficiency ratio of 80.5%. This is higher than peers, suggesting room for cost optimization.
Explore More GHLD
Guild Holdings Company (GHLD) financial analysis — history, returns, DCA and operating performance tools
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Price History
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Revenue History
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Financial Ratios
30 years of market, efficiency and balance-sheet ratios
Valuation
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