Guild Holdings Company (GHLD) Financial Ratios
7 years of historical data (2018–2024) · Financial Services · Financial - Mortgages
EV/EBITDA
↑
21.40
↑+72% vs avg
5yr avg: 12.46
30Y Low4.6·High24.2
P/FCF
↓
N/A
—
5yr avg: 0.88
30Y Low0.5·High1.3
P/B Ratio
↓
0.99
+17% vs avg
5yr avg: 0.85
30Y Low0.5·High1.4
ROE
↓
8.0%
↑-70% vs avg
5yr avg: 26.8%
30Y Low-3%·High65%
Debt/EBITDA
↑
19.35
↑+88% vs avg
5yr avg: 10.29
30Y Low1.5·High19.4
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
GHLD Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Guild Holdings Company trades at 12.8x earnings, 208% above its 5-year average of 4.2x, sitting at the 100th percentile of its historical range. This is roughly in line with the Financial Services sector median P/E of 13.3x.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 |
|---|---|---|---|---|---|---|---|---|
| Market Cap | $439M | $876M | $859M | $619M | $853M | $1.0B | — | — |
| Enterprise Value | $3.4B | $3.8B | $2.8B | $2.1B | $3.6B | $6.5B | — | — |
| P/E Ratio → | 12.83 | 9.04 | — | 1.89 | 3.00 | 2.74 | — | — |
| P/S Ratio | 0.37 | 0.75 | 1.18 | 0.51 | 0.52 | 0.60 | — | — |
| P/B Ratio | 0.99 | 0.70 | 0.73 | 0.50 | 0.93 | 1.38 | — | — |
| P/FCF | — | — | — | 0.49 | 1.26 | — | — | — |
| P/OCF | — | — | — | 0.49 | 1.25 | — | — | — |
P/E links to full P/E history page with 30-year chart
GHLD EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Guild Holdings Company's enterprise value stands at 21.4x EBITDA, 72% above its 5-year average of 12.5x. The Financial Services sector median is 11.4x, placing the stock at a 87% premium on an enterprise-value basis.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 |
|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 3.23 | 3.87 | 1.68 | 2.19 | 3.84 | — | — |
| EV / EBITDA | 21.40 | 24.18 | — | 4.56 | 8.61 | 12.48 | — | — |
| EV / EBIT | 28.19 | 31.86 | — | 4.90 | 9.35 | 13.14 | — | — |
| EV / FCF | — | — | — | 1.64 | 5.35 | — | — | — |
GHLD Profitability
Margins and return-on-capital ratios measuring operating efficiency
Guild Holdings Company earns an operating margin of 10.1%, below the Financial Services sector average of 21.4%. Operating margins have compressed from 34.3% to 10.1% over the past 3 years, signaling potential cost pressures or competitive headwinds. ROE of 8.0% is modest, trailing the sector median of 9.5%. ROIC of 2.4% represents below-average returns on invested capital versus a sector median of 5.7%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | 90.6% | 90.6% | 90.9% | 95.8% | 96.2% | 96.3% | 92.6% | 91.8% |
| Operating Margin | 10.1% | 10.1% | -6.3% | 34.3% | 23.5% | 29.2% | 0.7% | 17.6% |
| Net Profit Margin | 8.3% | 8.3% | -5.3% | 26.9% | 17.2% | 21.9% | 0.7% | 13.2% |
Return on Capital
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 |
|---|---|---|---|---|---|---|---|---|
| ROE | 8.0% | 8.0% | -3.2% | 30.3% | 34.3% | 64.9% | 0.5% | 4.3% |
| ROA | 2.3% | 2.3% | -1.1% | 8.6% | 6.2% | 10.0% | 0.2% | 3.6% |
| ROIC | 2.4% | 2.4% | -1.1% | 9.3% | 5.5% | 7.3% | 0.2% | 3.9% |
| ROCE | 5.2% | 5.2% | -2.4% | 24.7% | 110.3% | — | 1.7% | 8.3% |
GHLD Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Guild Holdings Company carries a Debt/EBITDA ratio of 19.4x, which is highly leveraged (369% above the sector average of 4.1x). Net debt stands at $2.9B ($3.0B total debt minus $118M cash). Interest coverage of just 1.1x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 |
|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 2.42 | 2.42 | 1.77 | 1.26 | 3.27 | 7.89 | 7.99 | 0.09 |
| Debt / EBITDA | 19.35 | 19.35 | — | 3.49 | 7.16 | 11.17 | 246.41 | 1.53 |
| Net Debt / Equity | — | 2.33 | 1.66 | 1.15 | 3.00 | 7.44 | 7.74 | 0.06 |
| Net Debt / EBITDA | 18.60 | 18.60 | — | 3.19 | 6.58 | 10.52 | 238.68 | 0.97 |
| Debt / FCF | — | — | — | 1.15 | 4.09 | — | — | — |
| Interest Coverage | 1.08 | 1.08 | -0.65 | 8.19 | 6.10 | 8.21 | 0.10 | 2.14 |
GHLD Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.09x is below 1.0, meaning current liabilities exceed current assets. The current ratio has declined from 0.18x to 0.09x over the past 3 years.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 |
|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.09 | 0.09 | 0.13 | 0.18 | 0.14 | 0.07 | 0.05 | 1.67 |
| Quick Ratio | 0.09 | 0.09 | 0.13 | 0.18 | 0.14 | 0.07 | 0.05 | 1.67 |
| Cash Ratio | 0.05 | 0.05 | 0.07 | 0.10 | 0.09 | 0.06 | 0.03 | 0.07 |
| Asset Turnover | — | 0.25 | 0.20 | 0.38 | 0.38 | 0.35 | 0.30 | 0.27 |
| Inventory Turnover | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — |
GHLD Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Guild Holdings Company returns 2.7% to shareholders annually — split between a 2.5% dividend yield and 0.3% buyback yield. The payout ratio of 31.6% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 7.8% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 |
|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 2.5% | 3.5% | 3.5% | — | 14.2% | 3.7% | — | — |
| Payout Ratio | 31.6% | 31.6% | — | — | 42.7% | 10.0% | 582.8% | 54.5% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 |
|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 7.8% | 11.1% | — | 53.0% | 33.3% | 36.5% | — | — |
| FCF Yield | — | — | — | 202.8% | 79.2% | — | — | — |
| Buyback Yield | 0.3% | 0.1% | 0.4% | 0.9% | 0.0% | 0.0% | — | — |
| Total Shareholder Yield | 2.7% | 3.6% | 3.9% | 0.9% | 14.2% | 3.7% | — | — |
| Shares Outstanding | — | $62M | $61M | $61M | $61M | $60M | $60M | $60M |
Peer Comparison
Compare GHLD with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 GHLDYou | $439M | 12.8 | 21.4 | — | 90.6% | 10.1% | 8.0% | 2.4% | 19.4 |
 UWMC | $724M | 28.5 | 0.1 | — | 85.6% | 58.0% | 1.1% | 15.4% | — |
 RKT | $2B | 67.1 | 18.8 | — | 91.3% | 12.4% | 0.3% | 2.5% | 17.9 |
 PFSI | $5B | 9.4 | 18.1 | — | 91.4% | 34.6% | 12.3% | 4.4% | 15.3 |
 LOAN | $49M | 8.8 | 9.0 | 10.0 | 76.0% | 81.6% | 13.0% | 8.5% | 2.8 |
 LDI | $499M | -5.0 | 22.7 | — | 88.3% | 13.2% | -14.0% | 2.7% | 22.0 |
 ONIT | $330M | 1.8 | 24.9 | — | 94.5% | 55.3% | 32.4% | 2.9% | 24.7 |
 WAL | $9B | 9.4 | 9.8 | — | 61.1% | 22.9% | 13.2% | 6.5% | 5.4 |
 HBAN | $26B | 11.8 | 15.9 | 11.4 | 61.7% | 21.5% | 10.0% | 5.1% | 6.9 |
 ICE | $88B | 26.9 | 16.6 | 20.5 | 61.9% | 38.7% | 11.7% | 7.5% | 3.1 |
 ESNT | $6B | 8.8 | 7.2 | 6.9 | 93.6% | 67.5% | 13.6% | 11.3% | 0.6 |
| Financial Services Median | — | 13.3 | 11.4 | 10.6 | 62.9% | 21.4% | 9.5% | 5.7% | 4.1 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 7 years · Updated daily
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Start ComparisonGHLD — Frequently Asked Questions
Quick answers to the most common questions about buying GHLD stock.
What is Guild Holdings Company's P/E ratio?
Guild Holdings Company's current P/E ratio is 12.8x. The historical average is 4.2x. This places it at the 100th percentile of its historical range.
What is Guild Holdings Company's EV/EBITDA?
Guild Holdings Company's current EV/EBITDA is 21.4x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 12.5x.
What is Guild Holdings Company's ROE?
Guild Holdings Company's return on equity (ROE) is 8.0%. The historical average is 19.9%.
Is GHLD stock overvalued?
Based on historical data, Guild Holdings Company is trading at a P/E of 12.8x. This is at the 100th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Guild Holdings Company's dividend yield?
Guild Holdings Company's current dividend yield is 2.47% with a payout ratio of 31.6%.
What are Guild Holdings Company's profit margins?
Guild Holdings Company has 90.6% gross margin and 10.1% operating margin. Operating margin between 10-20% is typical for established companies.
How much debt does Guild Holdings Company have?
Guild Holdings Company's Debt/EBITDA ratio is 19.4x, indicating high leverage. A ratio above 4x may signal elevated financial risk.