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

NYSE:GHLD - US40172N1072 - Common Stock

19.9 USD
+0.06 (+0.3%)
Last: 9/5/2025, 11:37:16 AM
Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to GHLD. GHLD was compared to 102 industry peers in the Financial Services industry. GHLD has a bad profitability rating. Also its financial health evaluation is rather negative. GHLD is not priced too expensively while it is growing strongly. Keep and eye on this one!


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

GHLD had positive earnings in the past year.
GHLD had a negative 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

With a Return On Assets value of 0.51%, GHLD is not doing good in the industry: 63.73% of the companies in the same industry are doing better.
With a Return On Equity value of 2.12%, GHLD is not doing good in the industry: 65.69% of the companies in the same industry are doing better.
The Return On Invested Capital of GHLD (2.36%) is comparable to the rest of the industry.
The Average Return On Invested Capital over the past 3 years for GHLD is in line with the industry average of 7.59%.
Industry RankSector Rank
ROA 0.51%
ROE 2.12%
ROIC 2.36%
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

Looking at the Profit Margin, with a value of 2.01%, GHLD is doing worse than 65.69% of the companies in the same industry.
GHLD's Profit Margin has improved in the last couple of years.
GHLD's Operating Margin of 10.92% is in line compared to the rest of the industry. GHLD outperforms 44.12% of its industry peers.
In the last couple of years the Operating Margin of GHLD has grown nicely.
Industry RankSector Rank
OM 10.92%
PM (TTM) 2.01%
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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1

2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), GHLD is destroying value.
Compared to 1 year ago, GHLD has more shares outstanding
The number of shares outstanding for GHLD has been increased compared to 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 0.86. This is a bad value and indicates that GHLD is not financially healthy and even has some risk of bankruptcy.
The Altman-Z score of GHLD (0.86) is comparable to the rest of the industry.
GHLD has a Debt/Equity ratio of 2.67. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 2.67, GHLD is not doing good in the industry: 72.55% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 2.67
Debt/FCF N/A
Altman-Z 0.86
ROIC/WACC0.41
WACC5.77%
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 0.97 indicates that GHLD may have some problems paying its short term obligations.
With a Current ratio value of 0.97, GHLD perfoms like the industry average, outperforming 47.06% of the companies in the same industry.
A Quick Ratio of 0.97 indicates that GHLD may have some problems paying its short term obligations.
With a Quick ratio value of 0.97, GHLD perfoms like the industry average, outperforming 48.04% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.97
Quick Ratio 0.97
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

The Earnings Per Share has grown by an impressive 41.54% 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.
The Revenue has grown by 29.74% in the past year. This is a very strong growth!
GHLD shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.01% yearly.
EPS 1Y (TTM)41.54%
EPS 3Y-30.29%
EPS 5Y77.01%
EPS Q2Q%34.69%
Revenue 1Y (TTM)29.74%
Revenue growth 3Y-11.96%
Revenue growth 5Y3.01%
Sales Q2Q%12.06%

3.2 Future

GHLD is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 10.35% yearly.
The Revenue is expected to grow by 16.89% on average over the next years. This is quite good.
EPS Next Y27.21%
EPS Next 2Y16.94%
EPS Next 3Y10.35%
EPS Next 5YN/A
Revenue Next Year23.64%
Revenue Next 2Y22.6%
Revenue Next 3Y16.89%
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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5

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 10.82, which indicates a very decent valuation of GHLD.
GHLD's Price/Earnings ratio is a bit cheaper when compared to the industry. GHLD is cheaper than 68.63% of the companies in the same industry.
GHLD is valuated cheaply when we compare the Price/Earnings ratio to 27.03, which is the current average of the S&P500 Index.
GHLD is valuated reasonably with a Price/Forward Earnings ratio of 10.04.
The rest of the industry has a similar Price/Forward Earnings ratio as GHLD.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.63, GHLD is valued rather cheaply.
Industry RankSector Rank
PE 10.82
Fwd PE 10.04
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

GHLD's Enterprise Value to EBITDA ratio is in line with the industry average.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 24.68
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

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.4
PEG (5Y)0.14
EPS Next 2Y16.94%
EPS Next 3Y10.35%

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3

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.77%, GHLD has a reasonable but not impressive dividend return.
GHLD's Dividend Yield is rather good when compared to the industry average which is at 4.24. GHLD pays more dividend than 82.35% of the companies in the same industry.
GHLD's Dividend Yield is rather good when compared to the S&P500 average which is at 2.32.
Industry RankSector Rank
Dividend Yield 3.77%

5.2 History

GHLD has paid a dividend for less than 5 years, so there is no long track record yet.
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

GHLD pays out 119.90% of its income as dividend. This is not a sustainable payout ratio.
DP119.9%
EPS Next 2Y16.94%
EPS Next 3Y10.35%
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 (9/5/2025, 11:37:16 AM)

19.9

+0.06 (+0.3%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)08-07 2025-08-07/amc
Earnings (Next)11-04 2025-11-04/amc
Inst Owners27.24%
Inst Owner Change7.72%
Ins Owners33.82%
Ins Owner Change1.88%
Market Cap1.24B
Analysts76.36
Price Target17.65 (-11.31%)
Short Float %2.67%
Short Ratio2.66
Dividend
Industry RankSector Rank
Dividend Yield 3.77%
Yearly Dividend0.5
Dividend Growth(5Y)N/A
DP119.9%
Div Incr Years0
Div Non Decr Years2
Ex-Date08-18 2025-08-18 (0.25)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)47.65%
Min EPS beat(2)45.4%
Max EPS beat(2)49.9%
EPS beat(4)2
Avg EPS beat(4)21.56%
Min EPS beat(4)-8.62%
Max EPS beat(4)49.9%
EPS beat(8)5
Avg EPS beat(8)42.6%
EPS beat(12)7
Avg EPS beat(12)14.42%
EPS beat(16)9
Avg EPS beat(16)19.27%
Revenue beat(2)1
Avg Revenue beat(2)-2.47%
Min Revenue beat(2)-13.08%
Max Revenue beat(2)8.15%
Revenue beat(4)3
Avg Revenue beat(4)3.09%
Min Revenue beat(4)-13.08%
Max Revenue beat(4)8.91%
Revenue beat(8)7
Avg Revenue beat(8)11.71%
Revenue beat(12)11
Avg Revenue beat(12)13.78%
Revenue beat(16)15
Avg Revenue beat(16)13.98%
PT rev (1m)6.46%
PT rev (3m)6.46%
EPS NQ rev (1m)-0.94%
EPS NQ rev (3m)-0.76%
EPS NY rev (1m)2.33%
EPS NY rev (3m)-0.09%
Revenue NQ rev (1m)-0.85%
Revenue NQ rev (3m)10.61%
Revenue NY rev (1m)-0.08%
Revenue NY rev (3m)-0.41%
Valuation
Industry RankSector Rank
PE 10.82
Fwd PE 10.04
P/S 0.96
P/FCF N/A
P/OCF N/A
P/B 1.02
P/tB 1.24
EV/EBITDA 24.68
EPS(TTM)1.84
EY9.25%
EPS(NY)1.98
Fwd EY9.96%
FCF(TTM)-1.07
FCFYN/A
OCF(TTM)-0.9
OCFYN/A
SpS20.68
BVpS19.56
TBVpS16
PEG (NY)0.4
PEG (5Y)0.14
Profitability
Industry RankSector Rank
ROA 0.51%
ROE 2.12%
ROCE 2.89%
ROIC 2.36%
ROICexc 2.41%
ROICexgc 4.95%
OM 10.92%
PM (TTM) 2.01%
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-Score4
Asset Turnover0.26
Health
Industry RankSector Rank
Debt/Equity 2.67
Debt/FCF N/A
Debt/EBITDA 18.32
Cap/Depr 28.89%
Cap/Sales 0.82%
Interest Coverage 2.67
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.97
Quick Ratio 0.97
Altman-Z 0.86
F-Score4
WACC5.77%
ROIC/WACC0.41
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)41.54%
EPS 3Y-30.29%
EPS 5Y77.01%
EPS Q2Q%34.69%
EPS Next Y27.21%
EPS Next 2Y16.94%
EPS Next 3Y10.35%
EPS Next 5YN/A
Revenue 1Y (TTM)29.74%
Revenue growth 3Y-11.96%
Revenue growth 5Y3.01%
Sales Q2Q%12.06%
Revenue Next Year23.64%
Revenue Next 2Y22.6%
Revenue Next 3Y16.89%
Revenue Next 5YN/A
EBIT growth 1Y17.92%
EBIT growth 3Y-20.09%
EBIT growth 5Y30.19%
EBIT Next Year339.61%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-731.49%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-489.65%
OCF growth 3YN/A
OCF growth 5YN/A