Logo image of GHLD

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

USA - NYSE:GHLD - US40172N1072 - Common Stock

19.85 USD
-0.01 (-0.05%)
Last: 10/28/2025, 8:04:01 PM
19.86 USD
+0.01 (+0.05%)
After Hours: 10/28/2025, 8:04:01 PM
Fundamental Rating

4

Overall GHLD gets a fundamental rating of 4 out of 10. We evaluated GHLD against 99 industry peers in the Financial Services industry. GHLD has a bad profitability rating. Also its financial health evaluation is rather negative. GHLD is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one!


Dividend Valuation Growth Profitability Health

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.
In multiple years GHLD reported negative operating cash flow during the last 5 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

The Return On Assets of GHLD (0.51%) is worse than 62.63% of its industry peers.
With a Return On Equity value of 2.12%, GHLD is not doing good in the industry: 64.65% 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 below the industry average of 7.79%.
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

GHLD has a Profit Margin of 2.01%. This is in the lower half of the industry: GHLD underperforms 64.65% of its industry peers.
In the last couple of years the Profit Margin of GHLD has grown nicely.
GHLD has a Operating Margin (10.92%) which is in line with 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

1

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.
The debt/assets ratio for GHLD is higher compared to a year ago.
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.
GHLD has a Altman-Z score (0.86) which is comparable to the rest of the industry.
A Debt/Equity ratio of 2.67 is on the high side and indicates that GHLD has dependencies on debt financing.
GHLD has a Debt to Equity ratio of 2.67. This is in the lower half of the industry: GHLD underperforms 71.72% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.67
Debt/FCF N/A
Altman-Z 0.86
ROIC/WACC0.61
WACC3.88%
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

GHLD has a Current Ratio of 0.97. This is a bad value and indicates that GHLD is not financially healthy enough and could expect problems in meeting its short term obligations.
Looking at the Current ratio, with a value of 0.97, GHLD is in line with its industry, outperforming 46.46% 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.
GHLD's Quick ratio of 0.97 is in line compared to the rest of the industry. GHLD outperforms 47.47% of its industry peers.
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

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 41.54%, 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 29.74%.
Measured over the past years, GHLD shows a small growth in Revenue. The Revenue has been growing by 3.01% on average per year.
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 13.34% yearly.
Based on estimates for the next years, GHLD will show a quite strong growth in Revenue. The Revenue will grow by 14.63% on average per year.
EPS Next Y30.84%
EPS Next 2Y19.26%
EPS Next 3Y13.34%
EPS Next 5YN/A
Revenue Next Year18.79%
Revenue Next 2Y20.56%
Revenue Next 3Y14.63%
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.
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

5

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 10.79, the valuation of GHLD can be described as very reasonable.
Based on the Price/Earnings ratio, GHLD is valued a bit cheaper than 64.65% of the companies in the same industry.
GHLD is valuated cheaply when we compare the Price/Earnings ratio to 26.83, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 9.62, which indicates a very decent valuation of GHLD.
GHLD's Price/Forward Earnings ratio is in line with the industry average.
GHLD's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.88.
Industry RankSector Rank
PE 10.79
Fwd PE 9.62
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

Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of GHLD is on the same level as its industry peers.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 24.69
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.
A more expensive valuation may be justified as GHLD's earnings are expected to grow with 13.34% in the coming years.
PEG (NY)0.35
PEG (5Y)0.14
EPS Next 2Y19.26%
EPS Next 3Y13.34%

3

5. Dividend

5.1 Amount

GHLD has a Yearly Dividend Yield of 3.77%. Purely for dividend investing, there may be better candidates out there.
GHLD's Dividend Yield is rather good when compared to the industry average which is at 4.60. GHLD pays more dividend than 80.81% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.30, GHLD pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.77%

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

GHLD pays out 119.90% of its income as dividend. This is not a sustainable payout ratio.
DP119.9%
EPS Next 2Y19.26%
EPS Next 3Y13.34%
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

GUILD HOLDINGS CO - CLASS A

NYSE:GHLD (10/28/2025, 8:04:01 PM)

After market: 19.86 +0.01 (+0.05%)

19.85

-0.01 (-0.05%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)08-07 2025-08-07/amc
Earnings (Next)11-05 2025-11-05/amc
Inst Owners28.74%
Inst Owner Change0.91%
Ins Owners33.83%
Ins Owner Change0.54%
Market Cap1.24B
Revenue(TTM)1.29B
Net Income(TTM)25.81M
Analysts50
Price Target17.65 (-11.08%)
Short Float %2.7%
Short Ratio9.02
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)-0.09%
Min Revenue beat(2)-13.08%
Max Revenue beat(2)12.89%
Revenue beat(4)3
Avg Revenue beat(4)4.28%
Min Revenue beat(4)-13.08%
Max Revenue beat(4)12.89%
Revenue beat(8)7
Avg Revenue beat(8)12.3%
Revenue beat(12)11
Avg Revenue beat(12)14.17%
Revenue beat(16)15
Avg Revenue beat(16)14.28%
PT rev (1m)0%
PT rev (3m)6.46%
EPS NQ rev (1m)-0.34%
EPS NQ rev (3m)1.87%
EPS NY rev (1m)-0.09%
EPS NY rev (3m)5.25%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-4.3%
Revenue NY rev (1m)-0.25%
Revenue NY rev (3m)-4%
Valuation
Industry RankSector Rank
PE 10.79
Fwd PE 9.62
P/S 0.96
P/FCF N/A
P/OCF N/A
P/B 1.01
P/tB 1.24
EV/EBITDA 24.69
EPS(TTM)1.84
EY9.27%
EPS(NY)2.06
Fwd EY10.39%
FCF(TTM)-1.07
FCFYN/A
OCF(TTM)-0.9
OCFYN/A
SpS20.68
BVpS19.56
TBVpS16
PEG (NY)0.35
PEG (5Y)0.14
Graham Number28.46
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%
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-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
WACC3.88%
ROIC/WACC0.61
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 Y30.84%
EPS Next 2Y19.26%
EPS Next 3Y13.34%
EPS Next 5YN/A
Revenue 1Y (TTM)29.74%
Revenue growth 3Y-11.96%
Revenue growth 5Y3.01%
Sales Q2Q%12.06%
Revenue Next Year18.79%
Revenue Next 2Y20.56%
Revenue Next 3Y14.63%
Revenue Next 5YN/A
EBIT growth 1Y17.92%
EBIT growth 3Y-20.09%
EBIT growth 5Y30.19%
EBIT Next Year419.56%
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

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 5 / 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 3 / 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 10.79 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 3 / 10 and the dividend payout ratio is 119.9%.