GUILD HOLDINGS CO - CLASS A (GHLD) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:GHLD - US40172N1072 - Common Stock
20.01 USD
+0.14 (+0.7%)
20.01 USD
0 (0%)
Overall GHLD gets a fundamental rating of 4 out of 10. We evaluated GHLD against 99 industry peers in the Financial Services industry. While GHLD is still in line with the averages on profitability rating, there are concerns on its financial health. GHLD is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one!
1. Profitability
1.1 Basic Checks
In the past year GHLD was profitable.
In the past year GHLD had a positive 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.
1.2 Ratios
Looking at the Return On Assets, with a value of 2.47%, GHLD is in the better half of the industry, outperforming 66.33% of the companies in the same industry.
Looking at the Return On Equity, with a value of 10.19%, GHLD is in line with its industry, outperforming 58.16% of the companies in the same industry.
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.
The Average Return On Invested Capital over the past 3 years for GHLD is below the industry average of 8.44%.
| Industry Rank | Sector 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%
1.3 Margins
GHLD's Profit Margin of 9.60% is in line compared to the rest of the industry. GHLD outperforms 50.00% of its industry peers.
GHLD's Profit Margin has improved in the last couple of years.
GHLD has a Operating Margin of 20.97%. This is in the better half of the industry: GHLD outperforms 68.37% of its industry peers.
GHLD's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector 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
2. Health
2.1 Basic Checks
GHLD has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
GHLD has more shares outstanding than it did 1 year ago.
GHLD has more shares outstanding than it did 5 years ago.
The debt/assets ratio for GHLD is higher compared to a year ago.
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.
GHLD's Altman-Z score of 0.95 is in line compared to the rest of the industry. GHLD outperforms 58.16% of its industry peers.
GHLD has a debt to FCF ratio of 131.48. This is a negative value and a sign of low solvency as GHLD would need 131.48 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 131.48, GHLD is doing worse than 68.37% of the companies in the same industry.
A Debt/Equity ratio of 2.64 is on the high side and indicates that GHLD has dependencies on debt 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.64 | ||
| Debt/FCF | 131.48 | ||
| Altman-Z | 0.95 |
ROIC/WACC1.16
WACC3.93%
2.3 Liquidity
A Current Ratio of 1.00 indicates that GHLD may have some problems paying its short term obligations.
GHLD has a Current ratio (1.00) which is in line with its industry peers.
A Quick Ratio of 1.00 indicates that GHLD may have some problems paying its short term obligations.
GHLD has a Quick ratio (1.00) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1 | ||
| Quick Ratio | 1 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 56.39% over the past year.
GHLD shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 77.01% yearly.
GHLD shows a strong growth in Revenue. In the last year, the Revenue has grown by 21.97%.
The Revenue has been growing slightly by 3.01% on average over the past years.
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.
Based on estimates for the next years, GHLD will show a quite strong growth in Revenue. The Revenue will grow by 14.50% on average per year.
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
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 9.62, which indicates a very decent valuation of GHLD.
64.29% of the companies in the same industry are more expensive than GHLD, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 26.61. GHLD is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 9.68, which indicates a very decent valuation of GHLD.
GHLD's Price/Forward Earnings ratio is in line with the industry average.
The average S&P500 Price/Forward Earnings ratio is at 24.01. GHLD is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.62 | ||
| Fwd PE | 9.68 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of GHLD is on the same level as its industry peers.
60.20% of the companies in the same industry are cheaper than GHLD, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 50.15 | ||
| EV/EBITDA | 16.16 |
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 14.61% in the coming years.
PEG (NY)0.38
PEG (5Y)0.12
EPS Next 2Y19.43%
EPS Next 3Y14.61%
5. Dividend
5.1 Amount
No dividends for GHLD!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
20.01
+0.14 (+0.7%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners22.28%
Inst Owner Change7.44%
Ins Owners16.93%
Ins Owner Change-78.02%
Market Cap1.25B
Revenue(TTM)1.31B
Net Income(TTM)126.03M
Analysts48.89
Price Target17.65 (-11.79%)
Short Float %0.04%
Short Ratio0.18
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly Dividend0.5
Dividend Growth(5Y)N/A
DP36.91%
Div Incr Years0
Div Non Decr Years2
Ex-Date
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 Rank | Sector 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 Rank | Sector 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 Rank | Sector 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 FAQ
What is the fundamental rating for GHLD stock?
ChartMill assigns a fundamental rating of 4 / 10 to GHLD.
What is the valuation status for 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.
Can you provide the PE and PB ratios for GHLD stock?
The Price/Earnings (PE) ratio for GUILD HOLDINGS CO - CLASS A (GHLD) is 9.62 and the Price/Book (PB) ratio is 1.01.
How sustainable is the dividend of GUILD HOLDINGS CO - CLASS A (GHLD) stock?
The dividend rating of GUILD HOLDINGS CO - CLASS A (GHLD) is 4 / 10 and the dividend payout ratio is 36.91%.