Last 24 quarters of trend data · Financial Services · Mortgage Lenders & Servicers
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| 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 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 | Q2 '21 | Q1 '21 | Q4 '20 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | — | 9.41 | 16.48 | — | 2.25 | — | 6.16 | 8.02 | — | 3.12 | 4.73 | — | — | 1.83 | 2.68 | 0.76 | 5.08 | 2.94 | 25.57 | 1.33 | 3.28 |
| — | — | +167.3% | — | — | — | +30.2% | — | — | +70.0% | +76.5% | — | — | -37.6% | -89.5% | -42.9% | +54.8% | — | — | — | — | |
| P/S Ratio | — | 0.99 | 1.07 | 1.16 | 0.58 | 2.03 | 0.81 | 0.99 | 3.64 | 0.71 | 0.74 | 1.50 | 1.09 | 0.54 | 0.55 | 0.33 | 0.62 | 0.51 | 0.79 | 0.40 | 0.56 |
| — | -51.1% | +32.0% | +17.7% | -84.0% | +183.9% | +9.0% | -34.0% | +233.2% | +31.1% | +35.7% | +357.2% | +75.1% | +6.4% | -30.5% | -19.0% | +10.8% | — | — | — | — | |
| P/B Ratio | — | 1.01 | 1.02 | 0.79 | 0.70 | 0.88 | 0.75 | 0.76 | 0.73 | 0.53 | 0.56 | 0.52 | 0.49 | 0.45 | 0.53 | 0.56 | 0.94 | 0.90 | 1.09 | 0.95 | 1.38 |
| — | +14.4% | +34.6% | +4.5% | -3.3% | +65.8% | +34.6% | +44.7% | +47.7% | +18.3% | +6.1% | -6.6% | -47.6% | -50.1% | -51.4% | -41.3% | -32.1% | — | — | — | — | |
| P/FCF | — | 4.05 | — | 1.33 | 1.10 | — | — | — | 11.89 | 0.84 | — | — | 1.97 | 0.57 | 2.79 | 0.18 | — | 0.44 | 0.91 | 6.35 | — |
| — | — | — | — | -90.7% | — | — | — | +502.1% | +47.6% | — | — | — | +27.9% | +207.6% | -97.1% | — | — | — | — | — | |
| EV / EBITDA | — | 20.50 | 37.88 | — | 6.88 | — | 17.11 | 16.43 | — | 6.79 | 10.31 | — | — | 5.39 | 6.92 | 2.11 | 11.91 | 13.10 | 73.51 | 7.06 | 13.31 |
| — | — | +121.4% | — | — | — | +65.9% | — | — | +26.1% | +49.1% | — | — | -58.9% | -90.6% | -70.1% | -10.5% | — | — | — | — | |
| EV / EBIT | — | 24.34 | 54.12 | — | 7.37 | — | 20.91 | 20.34 | — | 6.33 | 12.17 | — | — | 5.87 | 7.51 | 2.18 | 14.64 | 14.21 | 101.71 | 7.24 | 16.15 |
| — | — | +158.9% | — | — | — | +71.8% | — | — | +7.8% | +62.0% | — | — | -58.7% | -92.6% | -69.8% | -9.3% | — | — | — | — |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| 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 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 | Q2 '21 | Q1 '21 | Q4 '20 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | — | 91.5% | 90.9% | 90.2% | 92.3% | -38.8% | 90.9% | 93.4% | 75.7% | 37.3% | 93.2% | 89.2% | 91.1% | 95.8% | 96.3% | 97.1% | 95.5% | 96.4% | 95.4% | 96.9% | 96.2% |
| — | +336.0% | +0.0% | -3.4% | +21.9% | -203.8% | -2.5% | +4.7% | -16.8% | -61.0% | -3.3% | -8.2% | -4.6% | -0.6% | +0.9% | +0.3% | -0.8% | -0.8% | -1.3% | +4.4% | -38.5% | |
| Operating Margin | — | 13.4% | 6.4% | -14.0% | 31.5% | -55.5% | 14.2% | 15.5% | -156.2% | 30.0% | 19.8% | -42.8% | -15.1% | 31.8% | 26.3% | 56.1% | 17.1% | 22.8% | 4.5% | 39.2% | 21.4% |
| — | +124.1% | -54.6% | -190.5% | +120.2% | -284.9% | -28.6% | +136.2% | -937.4% | -5.6% | -24.4% | -176.4% | -187.9% | +39.8% | +481.3% | +43.2% | -20.1% | -46.5% | -87.3% | +523.6% | +109.7% | |
| Net Margin | — | 9.7% | 5.8% | -10.6% | 24.0% | -42.0% | 12.0% | 11.5% | -121.7% | 21.1% | 14.5% | -31.4% | -9.7% | 28.4% | 19.5% | 41.9% | 11.6% | 16.8% | 2.9% | 29.4% | 16.6% |
| — | +123.1% | -51.1% | -192.5% | +119.7% | -299.2% | -17.7% | +136.5% | -1151.7% | -25.7% | -25.6% | -174.8% | -183.5% | +68.6% | +573.1% | +42.4% | -29.7% | -46.4% | -89.2% | +521.0% | +110.6% |
| 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 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 | Q2 '21 | Q1 '21 | Q4 '20 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | — | 2.7% | 1.5% | -1.9% | 8.1% | -5.6% | 3.1% | 2.4% | -7.6% | 4.3% | 3.0% | -3.0% | -1.2% | 6.3% | 5.0% | 20.3% | 4.5% | 8.1% | 1.0% | 19.7% | 10.9% |
| — | +148.3% | -50.0% | -181.9% | +207.4% | -231.0% | +2.9% | +178.7% | -533.5% | -32.0% | -40.4% | -114.9% | -126.3% | -21.9% | +391.5% | +3.3% | -58.4% | -73.5% | -96.2% | +714.5% | +0.5% | |
| ROA | — | 0.7% | 0.4% | -0.5% | 2.1% | -1.5% | 0.9% | 0.7% | -2.6% | 1.5% | 1.1% | -1.2% | -0.5% | 2.2% | 1.6% | 5.2% | 1.0% | 1.6% | 0.2% | 3.3% | 1.7% |
| — | +145.4% | -55.8% | -168.7% | +180.3% | -194.0% | -20.0% | +164.5% | -468.8% | -30.7% | -31.7% | -122.3% | -148.0% | +37.2% | +735.6% | +56.6% | -43.7% | -63.8% | -94.2% | — | -0.2% | |
| ROIC | — | 0.8% | 0.4% | -0.6% | 2.3% | -1.6% | 0.9% | 0.8% | -2.8% | 1.9% | 1.3% | -1.4% | -0.6% | 2.1% | 1.9% | 5.9% | 0.9% | 1.2% | 0.2% | 2.4% | 1.2% |
| — | +147.5% | -59.0% | -166.7% | +180.6% | -184.9% | -32.1% | +162.5% | -364.1% | -12.4% | -30.8% | -123.1% | -164.7% | +73.9% | +1006.8% | +140.1% | -22.2% | -63.4% | -96.3% | +485.6% | -5.5% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| 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 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 | Q2 '21 | Q1 '21 | Q4 '20 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | — | 2.69 | 2.72 | 2.40 | 2.42 | 2.62 | 2.37 | 1.91 | 1.77 | 1.39 | 1.49 | 1.29 | 1.26 | 1.29 | 1.66 | 1.81 | 3.27 | 5.33 | 5.97 | 6.28 | 7.89 |
| — | +2.8% | +14.6% | +25.7% | +37.0% | +88.2% | +59.8% | +47.6% | +40.0% | +8.2% | -10.7% | -28.6% | -61.4% | -75.8% | -72.1% | -71.2% | -58.6% | -29.6% | -33.2% | — | -1.2% | |
| Debt / EBITDA | — | 61.09 | 113.01 | — | 21.98 | — | 53.37 | 48.51 | — | 20.62 | 31.24 | — | — | 17.24 | 23.21 | 7.10 | 39.50 | 47.28 | 262.78 | 25.77 | 47.64 |
| — | — | +111.8% | — | — | — | +70.8% | — | — | +19.6% | +34.6% | — | — | -63.5% | -91.2% | -72.5% | -17.1% | +129.7% | +889.8% | — | -5.9% | |
| Current Ratio | — | 0.08 | 0.07 | 0.09 | 0.09 | 0.07 | 0.07 | 0.08 | 0.13 | 0.14 | 0.13 | 0.18 | 0.18 | 0.17 | 0.18 | 0.19 | 0.14 | 0.08 | 0.08 | 0.07 | 0.07 |
| — | +16.0% | +1.5% | +6.6% | -29.0% | -52.5% | -46.9% | -55.1% | -27.9% | -19.9% | -28.5% | -0.7% | +29.5% | +119.5% | +133.3% | +177.0% | +99.1% | +37.2% | +81.7% | — | +41.6% | |
| Quick Ratio | — | 0.08 | 0.07 | 0.09 | 0.09 | 0.07 | 0.07 | 0.08 | 0.13 | 0.14 | 0.13 | 0.18 | 0.18 | 0.17 | 0.18 | 0.19 | 0.14 | 0.08 | 0.08 | 0.07 | 0.07 |
| — | +16.0% | +1.5% | +6.6% | -29.0% | -52.5% | -46.9% | -55.1% | -27.9% | -19.9% | -28.5% | -0.7% | +29.5% | +119.5% | +133.3% | +177.0% | +99.1% | +37.2% | +81.7% | — | +41.6% | |
| Interest Coverage | — | 1.57 | 0.71 | -1.43 | 4.11 | -2.78 | 1.55 | 2.29 | -6.86 | 4.78 | 2.91 | -3.96 | -1.69 | 7.66 | 7.16 | 19.67 | 3.81 | 6.37 | 0.99 | 12.66 | 5.69 |
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Includes 30+ ratios · 24 years · Updated daily
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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.