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 97 industry peers in the Financial Services industry. There are concerns on the financial health of GHLD while its profitability can be described as average. GHLD is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one!
1. Profitability
1.1 Basic Checks
- GHLD had positive earnings in the past year.
- GHLD had a positive operating cash flow in the past year.
- GHLD had positive earnings in 4 of the past 5 years.
- In multiple years GHLD reported negative operating cash flow during the last 5 years.
1.2 Ratios
- With a decent Return On Assets value of 2.47%, GHLD is doing good in the industry, outperforming 66.33% of the companies in the same industry.
- The Return On Equity of GHLD (10.19%) is comparable to the rest of the industry.
- GHLD's Return On Invested Capital of 4.56% is fine compared to the rest of the industry. GHLD outperforms 64.29% of its industry peers.
- GHLD had an Average Return On Invested Capital over the past 3 years of 5.63%. This 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
- The Profit Margin of GHLD (9.60%) is comparable to the rest of the industry.
- In the last couple of years the Profit Margin of GHLD has grown nicely.
- Looking at the Operating Margin, with a value of 20.97%, GHLD is in the better half of the industry, outperforming 68.37% of the companies in the same industry.
- 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
- 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.
- GHLD has more shares outstanding than it did 5 years ago.
- Compared to 1 year ago, GHLD has a worse debt to assets ratio.
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.
- The Debt to FCF ratio of GHLD (131.48) is worse than 68.37% of its industry peers.
- 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.64 | ||
| Debt/FCF | 131.48 | ||
| Altman-Z | 0.95 |
ROIC/WACC1.16
WACC3.93%
2.3 Liquidity
- GHLD has a Current 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 has a Current ratio of 1.00. This is comparable to the rest of the industry: GHLD outperforms 46.94% of its industry peers.
- 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 has a Quick ratio of 1.00. This is comparable to the rest of the industry: GHLD outperforms 47.96% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1 | ||
| Quick Ratio | 1 |
3. Growth
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.
- The Earnings Per Share has been growing by 77.01% on average over the past years. This is a very strong growth
- GHLD shows a strong growth in Revenue. In the last year, 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
- Based on estimates for the next years, GHLD will show a quite strong growth in Earnings Per Share. The EPS will grow by 14.61% on average per year.
- 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
- 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.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 9.62 indicates a reasonable valuation of GHLD.
- Based on the Price/Earnings ratio, GHLD is valued a bit cheaper than 64.29% of the companies in the same industry.
- When comparing the Price/Earnings ratio of GHLD to the average of the S&P500 Index (27.38), we can say GHLD is valued rather cheaply.
- GHLD is valuated reasonably with a Price/Forward Earnings ratio of 9.68.
- 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 24.29, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.62 | ||
| Fwd PE | 9.68 |
4.2 Price Multiples
- GHLD's Enterprise Value to EBITDA is on the same level as the industry average.
- 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 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.
- 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%
5. Dividend
5.1 Amount
- GHLD does not give a dividend.
| 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)11-05 2025-11-05/amc
Earnings (Next)03-04 2026-03-04/amc
Inst Owners22.28%
Inst Owner Change-0.47%
Ins Owners16.93%
Ins Owner Change-77.85%
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 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-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 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 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.