Last 24 quarters of trend data · Financial Services · Financial - Mortgages
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Guild Holdings Company's quarterly P/E stands at 9.4x.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 12.83 | 9.41 | 16.48 | — | 2.25 | — | 6.16 | 8.02 | — | 3.12 | 4.73 | — | — |
| — | — | +167.3% | — | — | — | +30.2% | — | — | +70.0% | +76.5% | — | — | |
| P/S Ratio | 0.37 | 0.91 | 0.97 | 1.05 | 0.54 | 1.60 | 0.73 | 0.92 | 2.82 | 0.66 | 0.69 | 1.33 | 1.00 |
| — | -43.4% | +32.1% | +13.9% | -80.8% | +142.8% | +6.3% | -31.0% | +182.6% | +26.5% | +31.3% | +319.7% | +67.0% | |
| P/B Ratio | 0.99 | 1.01 | 1.02 | 0.79 | 0.70 | 0.88 | 0.75 | 0.76 | 0.73 | 0.53 | 0.56 | 0.52 | 0.49 |
| — | +14.4% | +34.6% | +4.5% | -3.3% | +65.8% | +34.6% | +44.7% | +47.7% | +18.3% | +6.1% | -6.6% | -47.6% | |
| P/FCF | — | 4.05 | — | 1.33 | 1.10 | — | — | — | 11.89 | 0.84 | — | — | 1.97 |
| — | — | — | — | -90.7% | — | — | — | +502.1% | +47.6% | — | — | — | |
| EV / EBITDA | 21.40 | 20.50 | 37.88 | — | 6.88 | — | 17.11 | 16.43 | — | 6.79 | 10.31 | — | — |
| — | — | +121.4% | — | — | — | +65.9% | — | — | +26.1% | +49.1% | — | — | |
| EV / EBIT | 28.19 | 24.34 | 54.12 | — | 7.37 | — | 20.91 | 20.34 | — | 6.33 | 12.17 | — | — |
| — | — | +158.9% | — | — | — | +71.8% | — | — | +7.8% | +62.0% | — | — |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Guild Holdings Company's operating margin was 13.4% in Q3 2025, up 6.9 pp QoQ and up 68.9 pp YoY. This marks the 3rd consecutive quarter of margin expansion, signaling a sustained improvement in operating efficiency. The trailing four-quarter average of 9.3% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 336.0% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 90.6% | 91.5% | 90.9% | 90.2% | 92.3% | -38.8% | 90.9% | 93.4% | 75.7% | 37.3% | 93.2% | 89.2% | 91.1% |
| — | +336.0% | +0.0% | -3.4% | +21.9% | -203.8% | -2.5% | +4.7% | -16.8% | -61.0% | -3.3% | -8.2% | -4.6% | |
| Operating Margin | 10.1% | 13.4% | 6.4% | -14.0% | 31.5% | -55.5% | 14.2% | 15.5% | -156.2% | 30.0% | 19.8% | -42.8% | -15.1% |
| — | +124.1% | -54.6% | -190.5% | +120.2% | -284.9% | -28.6% | +136.2% | -937.4% | -5.6% | -24.4% | -176.4% | -187.9% | |
| Net Margin | 8.3% | 9.7% | 5.8% | -10.6% | 24.0% | -42.0% | 12.0% | 11.5% | -121.7% | 21.1% | 14.5% | -31.4% | -9.7% |
| — | +123.1% | -51.1% | -192.5% | +119.7% | -299.2% | -17.7% | +136.5% | -1151.7% | -25.7% | -25.6% | -174.8% | -183.5% |
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 8.0% | 2.7% | 1.5% | -1.9% | 8.1% | -5.6% | 3.1% | 2.4% | -7.6% | 4.3% | 3.0% | -3.0% | -1.2% |
| — | +148.3% | -50.0% | -181.9% | +207.4% | -231.0% | +2.9% | +178.7% | -533.5% | -32.0% | -40.4% | -114.9% | -126.3% | |
| ROA | 2.3% | 0.7% | 0.4% | -0.5% | 2.1% | -1.5% | 0.9% | 0.7% | -2.6% | 1.5% | 1.1% | -1.2% | -0.5% |
| — | +145.4% | -55.8% | -168.7% | +180.3% | -194.0% | -20.0% | +164.5% | -468.8% | -30.7% | -31.7% | -122.3% | -148.0% | |
| ROIC | 2.4% | 0.8% | 0.4% | -0.6% | 2.3% | -1.6% | 0.9% | 0.8% | -2.8% | 1.9% | 1.3% | -1.4% | -0.6% |
| — | +147.5% | -59.0% | -166.7% | +180.6% | -184.9% | -32.1% | +162.5% | -364.1% | -12.4% | -30.8% | -123.1% | -164.7% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Guild Holdings Company's Debt/EBITDA ratio is 61.1x, down from 113.0x last quarter — elevated, raising questions about debt serviceability. The current ratio has improved 16.0% YoY to 0.08x, strengthening the short-term liquidity position.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 2.42 | 2.69 | 2.72 | 2.40 | 2.42 | 2.62 | 2.37 | 1.91 | 1.77 | 1.39 | 1.49 | 1.29 | 1.26 |
| — | +2.8% | +14.6% | +25.7% | +37.0% | +88.2% | +59.8% | +47.6% | +40.0% | +8.2% | -10.7% | -28.6% | -61.4% | |
| Debt / EBITDA | 19.35 | 61.09 | 113.01 | — | 21.98 | — | 53.37 | 48.51 | — | 20.62 | 31.24 | — | — |
| — | — | +111.8% | — | — | — | +70.8% | — | — | +19.6% | +34.6% | — | — | |
| Current Ratio | 0.09 | 0.08 | 0.07 | 0.09 | 0.09 | 0.07 | 0.07 | 0.08 | 0.13 | 0.14 | 0.13 | 0.18 | 0.18 |
| — | +16.0% | +1.5% | +6.6% | -29.0% | -52.5% | -46.9% | -55.1% | -27.9% | -19.9% | -28.5% | -0.7% | +29.5% | |
| Quick Ratio | 0.09 | 0.08 | 0.07 | 0.09 | 0.09 | 0.07 | 0.07 | 0.08 | 0.13 | 0.14 | 0.13 | 0.18 | 0.18 |
| — | +16.0% | +1.5% | +6.6% | -29.0% | -52.5% | -46.9% | -55.1% | -27.9% | -19.9% | -28.5% | -0.7% | +29.5% | |
| Interest Coverage | 1.08 | 1.57 | 0.71 | -1.43 | 4.11 | -2.78 | 1.55 | 2.29 | -6.86 | 4.78 | 2.91 | -3.96 | -1.69 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 24 years · Updated daily
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Guild Holdings Company's current P/E is 12.8x. The average P/E over the last 3 quarters is 9.4x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Guild Holdings Company's current operating margin is 10.1%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Guild Holdings Company's business trajectory between earnings reports.