GUILD HOLDINGS CO - CLASS A (GHLD) Fundamental Analysis & Valuation

NYSE:GHLD • US40172N1072

Current stock price

20.01 USD
+0.14 (+0.7%)
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This GHLD fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. GHLD Profitability Analysis

1.1 Basic Checks

  • GHLD had positive earnings in the past year.
  • GHLD had a positive operating cash flow in the past year.
  • Of the past 5 years GHLD 4 years were profitable.
  • The reported operating cash flow has been mixed in the past 5 years: GHLD reported negative operating cash flow in multiple years.
GHLD Yearly Net Income VS EBIT VS OCF VS FCFGHLD Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2018 2019 2020 2021 2022 2023 2024 0 500M -500M 1B

1.2 Ratios

  • GHLD has a Return On Assets of 2.47%. This is in the better half of the industry: GHLD outperforms 66.33% of its industry peers.
  • GHLD's Return On Equity of 10.19% is in line compared to the rest of the industry. GHLD outperforms 58.16% of its industry peers.
  • GHLD has a Return On Invested Capital of 4.56%. This is in the better half of the industry: GHLD outperforms 64.29% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for GHLD is below the industry average of 8.07%.
Industry RankSector Rank
ROA 2.47%
ROE 10.19%
ROIC 4.56%
ROA(3y)3.71%
ROA(5y)5.06%
ROE(3y)10.25%
ROE(5y)22.39%
ROIC(3y)5.63%
ROIC(5y)7.12%
GHLD Yearly ROA, ROE, ROICGHLD Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2018 2019 2020 2021 2022 2023 2024 0 10 20 30 40 50

1.3 Margins

  • The Profit Margin of GHLD (9.60%) is comparable to the rest of the industry.
  • GHLD's Profit Margin has improved in the last couple of years.
  • GHLD has a better Operating Margin (20.97%) than 68.37% of its industry peers.
  • GHLD's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 20.97%
PM (TTM) 9.6%
GM N/A
OM growth 3Y-9.23%
OM growth 5Y26.39%
PM growth 3Y-20.55%
PM growth 5Y71.77%
GM growth 3YN/A
GM growth 5YN/A
GHLD Yearly Profit, Operating, Gross MarginsGHLD Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2018 2019 2020 2021 2022 2023 2024 0 10 20 30 40

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. GHLD Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so GHLD is still creating some value.
  • The number of shares outstanding for GHLD has been increased compared to 1 year ago.
  • Compared to 5 years ago, GHLD has more shares outstanding
  • Compared to 1 year ago, GHLD has a worse debt to assets ratio.
GHLD Yearly Shares OutstandingGHLD Yearly Shares OutstandingYearly Shares Outstanding 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M
GHLD Yearly Total Debt VS Total AssetsGHLD Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

2.2 Solvency

  • GHLD has an Altman-Z score of 0.95. This is a bad value and indicates that GHLD is not financially healthy and even has some risk of bankruptcy.
  • With a Altman-Z score value of 0.95, GHLD perfoms like the industry average, outperforming 58.16% of the companies in the same industry.
  • The Debt to FCF ratio of GHLD is 131.48, which is on the high side as it means it would take GHLD, 131.48 years of fcf income to pay off all of its debts.
  • With a Debt to FCF ratio value of 131.48, GHLD is not doing good in the industry: 68.37% of the companies in the same industry are doing better.
  • GHLD has a Debt/Equity ratio of 2.64. This is a high value indicating a heavy dependency on external financing.
  • GHLD's Debt to Equity ratio of 2.64 is on the low side compared to the rest of the industry. GHLD is outperformed by 75.51% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.64
Debt/FCF 131.48
Altman-Z 0.95
ROIC/WACC1.16
WACC3.93%
GHLD Yearly LT Debt VS Equity VS FCFGHLD Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2018 2019 2020 2021 2022 2023 2024 0 1B 2B 3B

2.3 Liquidity

  • A Current Ratio of 1.00 indicates that GHLD may have some problems paying its short term obligations.
  • Looking at the Current ratio, with a value of 1.00, GHLD is in line with its industry, outperforming 46.94% of the companies in the same industry.
  • GHLD has a Quick Ratio of 1.00. This is a bad value and indicates that GHLD is not financially healthy enough and could expect problems in meeting its short term obligations.
  • GHLD's Quick ratio of 1.00 is in line compared to the rest of the industry. GHLD outperforms 47.96% of its industry peers.
Industry RankSector Rank
Current Ratio 1
Quick Ratio 1
GHLD Yearly Current Assets VS Current LiabilitesGHLD Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

7

3. GHLD Growth Analysis

3.1 Past

  • GHLD shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 56.39%, which is quite impressive.
  • GHLD shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 77.01% yearly.
  • Looking at the last year, GHLD shows a very strong growth in Revenue. The Revenue has grown by 21.97%.
  • GHLD shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.01% yearly.
EPS 1Y (TTM)56.39%
EPS 3Y-30.29%
EPS 5Y77.01%
EPS Q2Q%47.06%
Revenue 1Y (TTM)21.97%
Revenue growth 3Y-11.96%
Revenue growth 5Y3.01%
Sales Q2Q%-8.5%

3.2 Future

  • The Earnings Per Share is expected to grow by 14.61% on average over the next years. This is quite good.
  • GHLD is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 14.50% yearly.
EPS Next Y25.5%
EPS Next 2Y19.43%
EPS Next 3Y14.61%
EPS Next 5YN/A
Revenue Next Year16.06%
Revenue Next 2Y21.32%
Revenue Next 3Y14.5%
Revenue Next 5YN/A

3.3 Evolution

  • Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
GHLD Yearly Revenue VS EstimatesGHLD Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 500M 1B 1.5B
GHLD Yearly EPS VS EstimatesGHLD Yearly EPS VS EstimatesYearly EPS VS Estimates 2020 2021 2022 2023 2024 2025 2026 2027 2 4 6 8

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Find the best growth stocksShow best growing peers

5

4. GHLD Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 9.62, the valuation of GHLD can be described as very reasonable.
  • Compared to the rest of the industry, the Price/Earnings ratio of GHLD indicates a somewhat cheap valuation: GHLD is cheaper than 64.29% of the companies listed in the same industry.
  • GHLD is valuated cheaply when we compare the Price/Earnings ratio to 25.23, which is the current average of the S&P500 Index.
  • A Price/Forward Earnings ratio of 9.68 indicates a reasonable valuation of GHLD.
  • The rest of the industry has a similar Price/Forward Earnings ratio as GHLD.
  • When comparing the Price/Forward Earnings ratio of GHLD to the average of the S&P500 Index (22.51), we can say GHLD is valued rather cheaply.
Industry RankSector Rank
PE 9.62
Fwd PE 9.68
GHLD Price Earnings VS Forward Price EarningsGHLD Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • The rest of the industry has a similar Enterprise Value to EBITDA ratio as GHLD.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of GHLD indicates a slightly more expensive valuation: GHLD is more expensive than 60.20% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 50.15
EV/EBITDA 16.16
GHLD Per share dataGHLD EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • GHLD's earnings are expected to grow with 14.61% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.38
PEG (5Y)0.12
EPS Next 2Y19.43%
EPS Next 3Y14.61%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. GHLD Dividend Analysis

5.1 Amount

  • No dividends for GHLD!.
Industry RankSector Rank
Dividend Yield N/A

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Find the best dividend stocksShow peers with best dividend

GHLD Fundamentals: All Metrics, Ratios and Statistics

GUILD HOLDINGS CO - CLASS A

NYSE:GHLD (11/26/2025, 8:04:00 PM)

After market: 20.01 0 (0%)

20.01

+0.14 (+0.7%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-05
Earnings (Next)03-04
Inst Owners22.28%
Inst Owner Change-98.39%
Ins Owners16.93%
Ins Owner Change-77.99%
Market Cap1.25B
Revenue(TTM)1.31B
Net Income(TTM)126.03M
Analysts48.89
Price Target17.65 (-11.79%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly Dividend0.5
Dividend Growth(5Y)N/A
DP36.91%
Div Incr Years0
Div Non Decr Years2
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)49.47%
Min EPS beat(2)49.05%
Max EPS beat(2)49.9%
EPS beat(4)3
Avg EPS beat(4)33.93%
Min EPS beat(4)-8.62%
Max EPS beat(4)49.9%
EPS beat(8)5
Avg EPS beat(8)27.13%
EPS beat(12)7
Avg EPS beat(12)16.36%
EPS beat(16)9
Avg EPS beat(16)13.91%
Revenue beat(2)1
Avg Revenue beat(2)2.91%
Min Revenue beat(2)-7.08%
Max Revenue beat(2)12.89%
Revenue beat(4)2
Avg Revenue beat(4)0.41%
Min Revenue beat(4)-13.08%
Max Revenue beat(4)12.89%
Revenue beat(8)6
Avg Revenue beat(8)8.42%
Revenue beat(12)10
Avg Revenue beat(12)12.53%
Revenue beat(16)14
Avg Revenue beat(16)11.1%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.67%
EPS NY rev (1m)-4.09%
EPS NY rev (3m)-1.35%
Revenue NQ rev (1m)0.02%
Revenue NQ rev (3m)-4.34%
Revenue NY rev (1m)-2.3%
Revenue NY rev (3m)-6.13%
Valuation
Industry RankSector Rank
PE 9.62
Fwd PE 9.68
P/S 0.95
P/FCF 50.15
P/OCF 36.75
P/B 1.01
P/tB 1.22
EV/EBITDA 16.16
EPS(TTM)2.08
EY10.39%
EPS(NY)2.07
Fwd EY10.34%
FCF(TTM)0.4
FCFY1.99%
OCF(TTM)0.54
OCFY2.72%
SpS21.08
BVpS19.86
TBVpS16.34
PEG (NY)0.38
PEG (5Y)0.12
Graham Number30.49
Profitability
Industry RankSector Rank
ROA 2.47%
ROE 10.19%
ROCE 5.6%
ROIC 4.56%
ROICexc 4.66%
ROICexgc 9.78%
OM 20.97%
PM (TTM) 9.6%
GM N/A
FCFM 1.89%
ROA(3y)3.71%
ROA(5y)5.06%
ROE(3y)10.25%
ROE(5y)22.39%
ROIC(3y)5.63%
ROIC(5y)7.12%
ROICexc(3y)5.86%
ROICexc(5y)7.52%
ROICexgc(3y)17.58%
ROICexgc(5y)17.8%
ROCE(3y)6.91%
ROCE(5y)8.74%
ROICexgc growth 3Y-17.01%
ROICexgc growth 5Y22.92%
ROICexc growth 3Y-23.63%
ROICexc growth 5Y15.15%
OM growth 3Y-9.23%
OM growth 5Y26.39%
PM growth 3Y-20.55%
PM growth 5Y71.77%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.26
Health
Industry RankSector Rank
Debt/Equity 2.64
Debt/FCF 131.48
Debt/EBITDA 11.98
Cap/Depr -350.29%
Cap/Sales 0.69%
Interest Coverage 5.29
Cash Conversion 12.43%
Profit Quality 19.72%
Current Ratio 1
Quick Ratio 1
Altman-Z 0.95
F-Score7
WACC3.93%
ROIC/WACC1.16
Cap/Depr(3y)41.62%
Cap/Depr(5y)54.84%
Cap/Sales(3y)0.61%
Cap/Sales(5y)0.5%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)56.39%
EPS 3Y-30.29%
EPS 5Y77.01%
EPS Q2Q%47.06%
EPS Next Y25.5%
EPS Next 2Y19.43%
EPS Next 3Y14.61%
EPS Next 5YN/A
Revenue 1Y (TTM)21.97%
Revenue growth 3Y-11.96%
Revenue growth 5Y3.01%
Sales Q2Q%-8.5%
Revenue Next Year16.06%
Revenue Next 2Y21.32%
Revenue Next 3Y14.5%
Revenue Next 5YN/A
EBIT growth 1Y930.29%
EBIT growth 3Y-20.09%
EBIT growth 5Y30.19%
EBIT Next Year419.56%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y166.27%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y205.3%
OCF growth 3YN/A
OCF growth 5YN/A

GUILD HOLDINGS CO - CLASS A / GHLD Fundamental Analysis FAQ

What is the fundamental rating for GHLD stock?

ChartMill assigns a fundamental rating of 4 / 10 to GHLD.


What is the valuation status of GUILD HOLDINGS CO - CLASS A (GHLD) stock?

ChartMill assigns a valuation rating of 6 / 10 to GUILD HOLDINGS CO - CLASS A (GHLD). This can be considered as Fairly Valued.


What is the profitability of GHLD stock?

GUILD HOLDINGS CO - CLASS A (GHLD) has a profitability rating of 4 / 10.


What is the financial health of GUILD HOLDINGS CO - CLASS A (GHLD) stock?

The financial health rating of GUILD HOLDINGS CO - CLASS A (GHLD) is 1 / 10.


What is the earnings growth outlook for GUILD HOLDINGS CO - CLASS A?

The Earnings per Share (EPS) of GUILD HOLDINGS CO - CLASS A (GHLD) is expected to grow by 25.5% in the next year.