GHLD trades 11.9% above Wall Street's consensus target of $17.63.
Last 12 months price action with 12-month analyst target path
The base valuation assumes GHLD achieves its forward estimates and maintains a stable P/E multiple of 10.2x. This scenario reflects the blended consensus of 6 Wall Street analysts, balancing both positive catalysts and macroeconomic headwinds over the next 12 months.
As of September 24, 2026, Guild Holdings Company (GHLD) has a Wall Street consensus price target of $17.63, based on estimates from 6 covering analysts. With the stock currently trading at $20.01, this represents a potential downside of -11.9%. The company has a market capitalization of $439M.
Analyst price targets range from a low of $15.50 to a high of $19.00, representing a 20% spread in expectations. The median target of $18.00 aligns closely with the consensus average. The tight target dispersion indicates high conviction among analysts.
The current analyst consensus rating is Hold, with 1 analysts rating the stock as a Buy or Strong Buy,5 rating it Hold, and 0 rating it Sell or Strong Sell. The bearish sentiment suggests caution about the stock at current levels.
From a valuation perspective, GHLD trades at a trailing P/E of 12.8x and forward P/E of 10.2x. The forward PEG ratio of 0.14 suggests the stock may be undervalued relative to its growth. Analysts expect EPS to grow -2.8% over the next year.
Our proprietary valuation model, which blends historical multiples with forward estimates, suggests a base-case price target of $31.73, with bear and bull scenarios of $19.99 and $41.81 respectively. Model confidence stands at 41/100, suggesting limited visibility into future performance.
| Company | Market Cap | Price | Target | Upside Potential | Rating | Fwd P/E | Analysts |
|---|---|---|---|---|---|---|---|
 UWMCUWM Holdings Corporation | $190M | $1.22 | $2.90 | +137.7% | Hold | 6.4x | 15 |
 RKTRocket Companies, Inc. | $34.3B | $12.15 | $18.63 | +53.3% | Hold | 19.8x | 27 |
 PFSIPennyMac Financial Services, Inc. | $3.4B | $65.61 | $89.80 | +36.9% | Buy | 12.2x | 21 |
 LOANManhattan Bridge Capital, Inc. | $45M | $3.90 | — | — | — | — | — |
 LDIloanDepot, Inc. | $225M | $0.67 | $1.00 | +48.6% | Hold | — | 12 |
 ONITOnity Group Inc. | $265M | $31.48 | $50.00 | +58.8% | Buy | 14.2x | 3 |
 WALWestern Alliance Bancorporation | $8.3B | $75.60 | $86.00 | +13.8% | Buy | 8.4x | 24 |
 HBANHuntington Bancshares Incorporated | $31.1B | $15.38 | $20.11 | +30.8% | Hold | 11.2x | 49 |
 ICEIntercontinental Exchange, Inc. | $88.2B | $156.35 | $184.50 | +18.0% | Buy | 19.3x | 36 |
 ESNTEssent Group Ltd. | $6.0B | $65.45 | $70.00 | +7.0% | Buy | 8.8x | 19 |
Quick answers to the most common questions about buying GHLD stock.
GHLD's consensus price target is $17.63, -11.9% below the current price of $20.01. The 6 analysts tracking GHLD see downside risk at present valuations.
GHLD has a consensus rating of "Hold" based on 6 Wall Street analysts. The rating breakdown is mixed, with 5 Hold ratings making up the largest segment. The consensus 12-month price target of $17.63 implies -11.9% downside from current levels.
With a forward P/E of 10.2301x, GHLD trades at a relatively low valuation. The consensus target of $17.63 implies -11.9% move, suggesting the market may be pricing in risks.
The most bullish Wall Street analyst has a price target of $19 for GHLD, while the most conservative target is $15.5. The consensus of $17.63 represents the median expectation. Our quantitative valuation model projects a bull case target of $42 based on optimistic growth and margin assumptions. These targets typically reflect 12-month expectations.
GHLD is moderately covered, with 6 analysts providing price targets and ratings. Of these, 0 have Strong Buy ratings, 1 have Buy ratings, 5 recommend Hold, and 0 have Sell or Strong Sell ratings. Higher analyst coverage generally indicates greater institutional interest and more reliable consensus estimates.
The 12-month GHLD stock forecast based on 6 Wall Street analysts shows a consensus price target of $17.63, with estimates ranging from $15.5 (bear case) to $19 (bull case). The median consensus rating is "Hold". Our proprietary valuation model produces a base case fair value of $32, with bear/bull scenarios of $20/$42.
Our quantitative valuation model calculates GHLD's fair value at $32 (base case), with a bear case of $20 and bull case of $42. The model uses discounted cash flow analysis, historical growth rates, and margin mean-reversion to project FY+2 earnings, then applies an appropriate P/E multiple. The model confidence score is 41/100.
GHLD trades at a forward P/E ratio of 10.2x based on next-twelve-months earnings estimates compared to a trailing P/E of 12.8x. The lower forward P/E indicates analysts expect earnings growth. A forward P/E is useful for comparing valuations when earnings are expected to change significantly.
Analysts are cautious on GHLD, with 0 Sell ratings and a price target of $17.63 (-11.9% from current price). The "Hold" consensus suggests careful evaluation before buying. This information is for educational purposes only. Always conduct your own research, consider your financial situation, and consult a financial advisor before making investment decisions.
GHLD analyst price targets range from $15.5 to $19, a 20% tight range reflecting strong analyst consensus. Differences stem from varying assumptions about revenue growth, profit margins, competitive dynamics, and valuation multiples. The $17.63 consensus represents the middle ground. Our model's $20-$42 range provides an independent fundamental perspective.
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