Guild Holdings Company (GHLD) 10-Year Financial Performance & Capital Metrics

GHLD • • Banking & Credit

Financial ServicesMortgage FinanceResidential Mortgage Origination & ServicingFull-Service Mortgage Banking

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 Equity 7.97% +348.5%
Net Interest Margin 0.77% -16.5%
Efficiency Ratio 80.51% -17.2%
ROA 2.3% +303.9%
Equity / Assets 26.3% -18.3%
Book Value per Share 20.19 +4.0%
Tangible BV/Share -5.09 -63.9%
Debt/Equity 2.42 +37.0%

Technical Analysis

Key Insights

Based on financial 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

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y-

5Y8.52%

3Y-10.7%

TTM-

Profit (Net Income) CAGR

10Y-

5Y77.09%

3Y-30.05%

TTM234.34%

EPS CAGR

10Y-

5Y75.76%

3Y-30.61%

TTM229.68%

ROCE

10Y Avg22.16%

5Y Avg29.01%

3Y Avg9.15%

Latest5.19%

Peer Comparison

Full-Service Mortgage Banking

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
PFSIPennyMac Financial Services, Inc.	7.83B	150.70	25.80	-21.84%	19.54%	11.85%		5.37
ONITOnity Group Inc.	454.63M	53.35	12.92	-6.58%	3.17%	6.2%		29.90
GHLDGuild Holdings Company	439.06M	20.01	12.83	60.87%	8.27%	10.18%		2.42
SNFCASecurity National Financial Corporation	202.03M	9.02	8.51	-14.2%	323.91%	5.1%	27.15%	0.32

Profit & Loss

	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	-1.91M	1.27M	-60.17M	683K	16.89M	33.81M	36.61M
NII Growth %	-	1.66%	-48.53%	1.01%	23.72%	1%	0.08%
Net Interest Margin %	-	-	-	-	-	-	-
Interest Income	43.68M	58.79M	0	64.11M	68.14M	104.4M	146.45M
Interest Expense	45.59M	57.52M	60.17M	63.43M	51.26M	70.6M	109.84M
Loan Loss Provision	0	0	1.79M	0	0	-4.23M	0
Non-Interest Income+	510.27M	721.83M	1.69B	1.59B	1.15B	625.82M	1.03B
Non-Interest Income %	-	-	-	-	-	-	-
Total Revenue+	553.95M	780.61M	1.69B	1.65B	1.22B	730.23M	1.17B
Revenue Growth %	-	0.41%	1.17%	-0.02%	-0.26%	-0.4%	0.61%
Non-Interest Expense	410.77M	717.26M	1.14B	1.2B	751.68M	709.99M	945.82M
Efficiency Ratio	-	-	-	-	-	-	-
Operating Income+	97.59M	5.83M	494.07M	386.93M	420.02M	-46.13M	119.06M
Operating Margin %	-	-	-	-	-	-	-
Operating Income Growth %	-	-0.94%	83.75%	-0.22%	0.09%	-1.11%	3.58%
Pretax Income+	97.59M	5.83M	494.07M	386.93M	420.02M	-46.13M	119.06M
Pretax Margin %	-	-	-	-	-	-	-
Income Tax+	24.26M	253K	123.49M	103.15M	91.39M	-6.99M	22.13M
Effective Tax Rate %	-	-	-	-	-	-	-
Net Income+	73.33M	5.58M	370.58M	283.77M	328.6M	-39.01M	97.13M
Net Margin %	-	-	-	-	-	-	-
Net Income Growth %	-	-0.92%	65.45%	-0.23%	0.16%	-1.12%	3.49%
Net Income (Continuing)	73.33M	5.58M	370.58M	283.78M	328.63M	-39.14M	96.93M
EPS (Diluted)+	1.22	0.09	6.18	4.67	5.35	-0.64	1.56
EPS Growth %	-	-0.92%	65.45%	-0.24%	0.15%	-1.12%	3.44%
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

Balance Sheet

	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	58.51M	101.73M	334.62M	243.11M	137.89M	120.26M	118.2M
Short Term Investments	0	0	0	0	0	0	0
Total Investments+	77K	1.52B	2.5B	2.23B	849.86M	1.23B	1.98B
Investments Growth %	-	19801.13%	0.64%	-0.11%	-0.62%	0.45%	0.6%
Long-Term Investments	77K	1.52B	2.5B	2.23B	849.86M	1.23B	1.98B
Accounts Receivables	1000K	1000K	1000K	1000K	1000K	1000K	0
Goodwill & Intangibles+	-	-	-	-	-	-	-
Goodwill	60.7M	62.83M	62.83M	175.14M	176.77M	186.18M	198.72M
Intangible Assets	511.85M	418.4M	447M	716.37M	1.17B	1.19B	1.37B
PP&E (Net)	12.88M	9.84M	102.28M	102.46M	88.81M	79.19M	86.17M
Other Assets	-2.05B	440.34M	1.31B	773.39M	697.32M	781.38M	933.43M
Total Current Assets	1.45B	151.24M	394.67M	383.66M	254.22M	209.12M	203.73M
Total Non-Current Assets	585.43M	2.46B	4.42B	4B	2.99B	3.47B	4.56B
Total Assets+	2.04B	2.61B	4.82B	4.38B	3.24B	3.68B	4.77B
Asset Growth %	-	0.28%	0.85%	-0.09%	-0.26%	0.13%	0.3%
Return on Assets (ROA)	0.04%	0%	0.1%	0.06%	0.09%	-0.01%	0.02%
Accounts Payable	27.95M	35.34M	41.07M	56.84M	34.09M	32.64M	0
Total Debt+	160M	3.24B	5.81B	3.01B	1.58B	2.09B	3.03B
Net Debt	101.5M	3.14B	5.47B	2.76B	1.44B	1.97B	2.92B
Long-Term Debt	297.19M	224.61M	150.39M	252.84M	126.78M	450.95M	725.98M
Short-Term Debt	839.73M	3.02B	5.56B	2.66B	1.36B	1.56B	2.23B
Other Liabilities	-297.19M	-1.26B	-2.05B	80.02M	21.79M	114.09M	228.06M
Total Current Liabilities	867.68M	3.1B	5.71B	2.79B	1.43B	1.63B	2.23B
Total Non-Current Liabilities	605.27M	-898.12M	-1.63B	674.54M	563.28M	865.89M	1.28B
Total Liabilities	1.6B	2.2B	4.08B	3.46B	1.99B	2.49B	3.51B
Total Equity+	1.71B	406.03M	735.99M	920.01M	1.25B	1.18B	1.25B
Equity Growth %	-	-0.76%	0.81%	0.25%	0.36%	-0.05%	0.06%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-
Return on Equity (ROE)	0.04%	0.01%	0.65%	0.34%	0.3%	-0.03%	0.08%
Book Value per Share	28.52	6.77	12.27	15.13	20.35	19.41	20.19
Tangible BV per Share	-	-	-	-	-	-	-
Common Stock	94K	93K	600K	610K	609K	611K	619K
Additional Paid-in Capital	22.32M	21.99M	18.04M	42.17M	42.73M	47.16M	52M
Retained Earnings	418.53M	383.95M	717.36M	877.19M	1.21B	1.14B	1.2B
Accumulated OCI	-32.18M	0	0	0	0	0	0
Treasury Stock	0	0	0	0	0	0	0
Preferred Stock	418.53M	0	0	0	0	0	0

Cash Flow

	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	-31.77M	-424.71M	-468.04M	680.46M	1.26B	-91.72M	-659.62M
Operating CF Growth %	-	-12.37%	-0.1%	2.45%	0.85%	-1.07%	-6.19%
Net Income	73.33M	5.58M	370.58M	283.78M	328.63M	-39.01M	96.93M
Depreciation & Amortization	7.18M	7.33M	26.1M	33.19M	31.5M	36.01M	37.78M
Deferred Taxes	24.72M	-25.98M	3.09M	36.64M	90.72M	-7.94M	22.1K
Other Non-Cash Items	14.53M	-284.63M	-625.09M	796.09M	1.11B	80.49M	-556.23M
Working Capital Changes	-151.52M	-127.01M	-243.76M	-475.23M	-305.03M	-169.93M	-247.83M
Cash from Investing+	-25.64M	-13.49M	-18.02M	-104.66M	-7.18M	-136.6M	-152.39M
Purchase of Investments	0	0	0	0	0	0	0
Sale/Maturity of Investments	0	0	0	0	0	0	0
Net Investment Activity	-	-	-	-	-	-	-
Acquisitions	-20.18M	-8.82M	35K	-100.23M	-3.5M	-10.03M	-17.71M
Other Investing	1.23M	-966K	-9.83M	178K	183K	-121.06M	-125.31M
Cash from Financing+	47.24M	482.18M	718.96M	-667.31M	-1.35B	208.95M	809.69M
Dividends Paid	-40M	-32.5M	-37.17M	-121.06M	0	-30.48M	-30.7M
Share Repurchases	0	-7.99M	0	0	-5.58M	-3.27M	-1.18M
Stock Issued	0	0	0	0	0	0	0
Net Stock Activity	-	-	-	-	-	-	-
Debt Issuance (Net)	1000K	1000K	1000K	-1000K	-1000K	1000K	1000K
Other Financing	-2.27M	-5.25M	-10.83M	25K	-7.3M	-419K	8.1M
Net Change in Cash+	-10.17M	43.98M	232.9M	-91.51M	-101.37M	-19.37M	-2.33M
Exchange Rate Effect	0	0	0	0	0	0	0
Cash at Beginning	72.92M	62.76M	106.73M	339.63M	248.12M	146.75M	127.38M
Cash at End	62.76M	106.73M	339.63M	248.12M	146.75M	127.38M	125.06M
Interest Paid	35.92M	40.25M	0	46.33M	0	0	0
Income Taxes Paid	531K	13.73M	49.51M	120.75M	0	0	0
Free Cash Flow+	-38.45M	-428.41M	-476.27M	675.85M	1.26B	-97.23M	-668.99M
FCF Growth %	-	-10.14%	-0.11%	2.42%	0.86%	-1.08%	-5.88%

Banking Ratios

Metric	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	4.29%	0.53%	64.9%	34.27%	30.3%	-3.21%	7.97%
Return on Assets (ROA)	3.6%	0.24%	9.98%	6.17%	8.62%	-1.13%	2.3%
Net Interest Margin	-0.09%	0.05%	-1.25%	0.02%	0.52%	0.92%	0.77%
Efficiency Ratio	74.15%	91.88%	67.12%	72.7%	61.46%	97.23%	80.51%
Equity / Assets	83.94%	15.57%	15.28%	20.99%	38.56%	32.19%	26.3%
Book Value / Share	28.52	6.77	12.27	15.13	20.35	19.41	20.19
NII Growth	-	166.32%	-4852.61%	101.14%	2372.47%	100.19%	8.28%
Dividend Payout	54.55%	582.75%	10.03%	42.66%	-	-	31.61%

Revenue by Segment

	2021	2022	2023	2024
Origination	1.49B	717.88M	516.37M	780.49M
Origination Growth	-	-51.66%	-28.07%	51.15%
Servicing	97.47M	453.42M	149.32M	287.14M
Servicing Growth	-	365.21%	-67.07%	92.29%

Frequently Asked Questions

Valuation & Price

Guild Holdings Company (GHLD) has a price-to-earnings (P/E) ratio of 12.8x. This may indicate the stock is undervalued or faces growth challenges.

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.

← Back to Screener