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GUILD HOLDINGS CO - CLASS A (GHLD) Stock Fundamental Analysis

NYSE:GHLD - New York Stock Exchange, Inc. - US40172N1072 - Common Stock - Currency: USD

19.85  -0.01 (-0.05%)

Fundamental Rating

4

Overall GHLD gets a fundamental rating of 4 out of 10. We evaluated GHLD against 100 industry peers in the Financial Services industry. GHLD has a bad profitability rating. Also its financial health evaluation is rather negative. GHLD is growing strongly while it is still valued neutral. This is a good combination!


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year GHLD was profitable.
In the past year GHLD has reported a negative cash flow from operations.
GHLD had positive earnings in 4 of the past 5 years.
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's Return On Assets of 0.98% is in line compared to the rest of the industry. GHLD outperforms 44.00% of its industry peers.
Looking at the Return On Equity, with a value of 3.73%, GHLD is doing worse than 68.00% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 3.05%, GHLD is in line with its industry, outperforming 52.00% of the companies in the same industry.
GHLD had an Average Return On Invested Capital over the past 3 years of 5.63%. This is significantly below the industry average of 11.85%.
Industry RankSector Rank
ROA 0.98%
ROE 3.73%
ROIC 3.05%
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 (3.58%) is worse than 65.00% of its industry peers.
GHLD's Profit Margin has improved in the last couple of years.
With a Operating Margin value of 13.14%, GHLD perfoms like the industry average, outperforming 45.00% of the companies in the same industry.
In the last couple of years the Operating Margin of GHLD has grown nicely.
Industry RankSector Rank
OM 13.14%
PM (TTM) 3.58%
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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2

2. Health

2.1 Basic Checks

GHLD has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
Compared to 1 year ago, GHLD has more shares outstanding
GHLD has more shares outstanding than it did 5 years ago.
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 0.97. This is a bad value and indicates that GHLD is not financially healthy and even has some risk of bankruptcy.
GHLD has a Altman-Z score of 0.97. This is comparable to the rest of the industry: GHLD outperforms 60.00% of its industry peers.
GHLD has a Debt/Equity ratio of 2.34. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of GHLD (2.34) is worse than 66.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.34
Debt/FCF N/A
Altman-Z 0.97
ROIC/WACC0.51
WACC6.02%
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 1.09 indicates that GHLD should not have too much problems paying its short term obligations.
GHLD has a Current ratio (1.09) which is in line with its industry peers.
A Quick Ratio of 1.09 indicates that GHLD should not have too much problems paying its short term obligations.
Looking at the Quick ratio, with a value of 1.09, GHLD is in line with its industry, outperforming 54.00% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.09
Quick Ratio 1.09
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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7

3. Growth

3.1 Past

GHLD shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 73.96%, which is quite impressive.
The Earnings Per Share has been growing by 77.01% on average over the past years. This is a very strong growth
The Revenue has grown by 37.99% in the past year. This is a very strong growth!
The Revenue has been growing slightly by 3.01% on average over the past years.
EPS 1Y (TTM)73.96%
EPS 3Y-30.29%
EPS 5Y77.01%
EPS Q2Q%169.23%
Revenue 1Y (TTM)37.99%
Revenue growth 3Y-11.96%
Revenue growth 5Y3.01%
Sales Q2Q%-11.62%

3.2 Future

The Earnings Per Share is expected to grow by 12.05% on average over the next years. This is quite good.
The Revenue is expected to grow by 16.99% on average over the next years. This is quite good.
EPS Next Y24.31%
EPS Next 2Y17.57%
EPS Next 3Y12.05%
EPS Next 5YN/A
Revenue Next Year23.74%
Revenue Next 2Y25.05%
Revenue Next 3Y16.99%
Revenue Next 5YN/A

3.3 Evolution

The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in 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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5

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 11.89 indicates a reasonable valuation of GHLD.
Based on the Price/Earnings ratio, GHLD is valued a bit cheaper than 63.00% of the companies in the same industry.
GHLD's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.04.
A Price/Forward Earnings ratio of 9.90 indicates a reasonable valuation of GHLD.
The rest of the industry has a similar Price/Forward Earnings ratio as GHLD.
GHLD is valuated cheaply when we compare the Price/Forward Earnings ratio to 37.64, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 11.89
Fwd PE 9.9
GHLD Price Earnings VS Forward Price EarningsGHLD Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

The rest of the industry has a similar Enterprise Value to EBITDA ratio as GHLD.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 18.93
GHLD Per share dataGHLD EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10 15 20

4.3 Compensation for Growth

GHLD's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as GHLD's earnings are expected to grow with 12.05% in the coming years.
PEG (NY)0.49
PEG (5Y)0.15
EPS Next 2Y17.57%
EPS Next 3Y12.05%

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2

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.52%, GHLD has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 4.53, GHLD pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.35, GHLD has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.52%

5.2 History

GHLD has been paying a dividend for less than 5 years, so it still needs to build a track record.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years2
GHLD Yearly Dividends per shareGHLD Yearly Dividends per shareYearly Dividends per share 2021 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

137.82% of the earnings are spent on dividend by GHLD. This is not a sustainable payout ratio.
DP137.82%
EPS Next 2Y17.57%
EPS Next 3Y12.05%
GHLD Yearly Income VS Free CF VS DividendGHLD Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2018 2019 2020 2021 2022 2023 2024 0 500M -500M 1B
GHLD Dividend Payout.GHLD Dividend Payout, showing the Payout Ratio.GHLD Dividend Payout.PayoutRetained Earnings

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GUILD HOLDINGS CO - CLASS A

NYSE:GHLD (7/25/2025, 4:10:03 PM)

19.85

-0.01 (-0.05%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)05-07 2025-05-07/amc
Earnings (Next)08-07 2025-08-07/amc
Inst Owners26.89%
Inst Owner Change0%
Ins Owners33.9%
Ins Owner Change1.88%
Market Cap1.24B
Analysts78.33
Price Target16.58 (-16.47%)
Short Float %2.37%
Short Ratio3.6
Dividend
Industry RankSector Rank
Dividend Yield 2.52%
Yearly Dividend0.5
Dividend Growth(5Y)N/A
DP137.82%
Div Incr Years0
Div Non Decr Years2
Ex-Date03-17 2025-03-17 (0.5)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)18.39%
Min EPS beat(2)-8.62%
Max EPS beat(2)45.4%
EPS beat(4)2
Avg EPS beat(4)27.92%
Min EPS beat(4)-8.62%
Max EPS beat(4)75.33%
EPS beat(8)5
Avg EPS beat(8)43.07%
EPS beat(12)6
Avg EPS beat(12)9.89%
EPS beat(16)9
Avg EPS beat(16)16.83%
Revenue beat(2)1
Avg Revenue beat(2)-2.08%
Min Revenue beat(2)-13.08%
Max Revenue beat(2)8.91%
Revenue beat(4)3
Avg Revenue beat(4)5.92%
Min Revenue beat(4)-13.08%
Max Revenue beat(4)19.46%
Revenue beat(8)7
Avg Revenue beat(8)14.38%
Revenue beat(12)11
Avg Revenue beat(12)13.72%
Revenue beat(16)15
Avg Revenue beat(16)14.16%
PT rev (1m)1.04%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)3.26%
EPS NY rev (1m)0%
EPS NY rev (3m)5.06%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.6%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-2.16%
Valuation
Industry RankSector Rank
PE 11.89
Fwd PE 9.9
P/S 0.99
P/FCF N/A
P/OCF N/A
P/B 1.03
P/tB 1.27
EV/EBITDA 18.93
EPS(TTM)1.67
EY8.41%
EPS(NY)2
Fwd EY10.1%
FCF(TTM)-3.67
FCFYN/A
OCF(TTM)-3.49
OCFYN/A
SpS20.09
BVpS19.28
TBVpS15.68
PEG (NY)0.49
PEG (5Y)0.15
Profitability
Industry RankSector Rank
ROA 0.98%
ROE 3.73%
ROCE 3.74%
ROIC 3.05%
ROICexc 3.13%
ROICexgc 7.29%
OM 13.14%
PM (TTM) 3.58%
GM N/A
FCFM N/A
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%
ROICexcg growth 3Y-17.01%
ROICexcg 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-Score6
Asset Turnover0.27
Health
Industry RankSector Rank
Debt/Equity 2.34
Debt/FCF N/A
Debt/EBITDA 13.51
Cap/Depr 25.64%
Cap/Sales 0.88%
Interest Coverage 3.25
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1.09
Quick Ratio 1.09
Altman-Z 0.97
F-Score6
WACC6.02%
ROIC/WACC0.51
Cap/Depr(3y)21.76%
Cap/Depr(5y)42.92%
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)73.96%
EPS 3Y-30.29%
EPS 5Y77.01%
EPS Q2Q%169.23%
EPS Next Y24.31%
EPS Next 2Y17.57%
EPS Next 3Y12.05%
EPS Next 5YN/A
Revenue 1Y (TTM)37.99%
Revenue growth 3Y-11.96%
Revenue growth 5Y3.01%
Sales Q2Q%-11.62%
Revenue Next Year23.74%
Revenue Next 2Y25.05%
Revenue Next 3Y16.99%
Revenue Next 5YN/A
EBIT growth 1Y44.27%
EBIT growth 3Y-20.09%
EBIT growth 5Y30.19%
EBIT Next Year332.37%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-164.44%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-160.68%
OCF growth 3YN/A
OCF growth 5YN/A