GUILD HOLDINGS CO - CLASS A (GHLD)
US40172N1072 - Common Stock
GHLD gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 102 industry peers in the Financial Services industry. Both the profitability and financial health of GHLD have multiple concerns. GHLD is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year GHLD was profitable.
GHLD had a negative operating cash flow in the past year.
Of the past 5 years GHLD 4 years were profitable.
In multiple years GHLD reported negative operating cash flow during the last 5 years.
1.2 Ratios
GHLD has a worse Return On Assets (-1.06%) than 72.55% of its industry peers.
With a Return On Equity value of -3.31%, GHLD is not doing good in the industry: 69.61% of the companies in the same industry are doing better.
The Return On Invested Capital of GHLD (0.45%) is worse than 62.75% of its industry peers.
The Average Return On Invested Capital over the past 3 years for GHLD is in line with the industry average of 7.93%.
The 3 year average ROIC (6.93%) for GHLD is well above the current ROIC(0.45%). The reason for the recent decline needs to be investigated.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -1.06% | ||
| ROE | -3.31% | ||
| ROIC | 0.45% |
ROA(3y)5.19%
ROA(5y)4.69%
ROE(3y)17.95%
ROE(5y)21.12%
ROIC(3y)6.93%
ROIC(5y)6.44%
1.3 Margins
GHLD has a worse Operating Margin (2.38%) than 65.69% of its industry peers.
GHLD's Operating Margin has declined in the last couple of years.
GHLD does not have Profit Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 2.38% | ||
| PM (TTM) | N/A | ||
| GM | N/A |
OM growth 3Y-56.08%
OM growth 5Y-33.37%
PM growth 3YN/A
PM growth 5YN/A
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.
The number of shares outstanding for GHLD has been increased compared to 5 years ago.
The debt/assets ratio for GHLD is higher compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of 0.90, we must say that GHLD is in the distress zone and has some risk of bankruptcy.
GHLD has a Altman-Z score of 0.90. This is comparable to the rest of the industry: GHLD outperforms 58.82% of its industry peers.
A Debt/Equity ratio of 1.68 is on the high side and indicates that GHLD has dependencies on debt financing.
With a Debt to Equity ratio value of 1.68, GHLD is not doing good in the industry: 69.61% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.68 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.9 |
ROIC/WACC0.09
WACC5.15%
2.3 Liquidity
A Current Ratio of 1.48 indicates that GHLD should not have too much problems paying its short term obligations.
The Current ratio of GHLD (1.48) is better than 64.71% of its industry peers.
GHLD has a Quick Ratio of 1.48. This is a normal value and indicates that GHLD is financially healthy and should not expect problems in meeting its short term obligations.
Looking at the Quick ratio, with a value of 1.48, GHLD is in the better half of the industry, outperforming 67.65% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.48 | ||
| Quick Ratio | 1.48 |
3. Growth
3.1 Past
GHLD shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -31.90%.
GHLD shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -14.42%.
The Revenue has been growing slightly by 1.70% on average over the past years.
EPS 1Y (TTM)-31.9%
EPS 3YN/A
EPS 5YN/A
EPS growth Q2Q-509.37%
Revenue 1Y (TTM)-14.42%
Revenue growth 3Y-24.46%
Revenue growth 5Y1.7%
Revenue growth Q2Q16.44%
3.2 Future
GHLD is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 45.43% yearly.
GHLD is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 21.75% yearly.
EPS Next Y79.47%
EPS Next 2Y45.43%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year22.87%
Revenue Next 2Y21.75%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
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
GHLD is valuated rather expensively with a Price/Earnings ratio of 17.08.
GHLD's Price/Earnings is on the same level as the industry average.
GHLD's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 25.02.
With a Price/Forward Earnings ratio of 9.51, the valuation of GHLD can be described as very reasonable.
73.53% of the companies in the same industry are more expensive than GHLD, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 21.32. GHLD is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.08 | ||
| Fwd PE | 9.51 |
4.2 Price Multiples
61.76% of the companies in the same industry are cheaper than GHLD, based on the Enterprise Value to EBITDA ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 77.38 |
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 45.43% in the coming years.
PEG (NY)0.21
PEG (5Y)N/A
EPS Next 2Y45.43%
EPS Next 3YN/A
5. Dividend
5.1 Amount
GHLD has a Yearly Dividend Yield of 3.67%. 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 3.60. GHLD pays more dividend than 85.29% of the companies in the same industry.
GHLD's Dividend Yield is rather good when compared to the S&P500 average which is at 2.40.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.67% |
5.2 History
GHLD is new to the dividend game and has less than 3 years of track record.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
The earnings of GHLD are negative and hence is the payout ratio. GHLD will probably not be able to sustain this dividend level.
DP-77.94%
EPS Next 2Y45.43%
EPS Next 3YN/A
GUILD HOLDINGS CO - CLASS A
NYSE:GHLD (4/29/2024, 3:10:04 PM)
13.49
-0.14 (-1.03%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap824.24M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.67% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
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EPS beat(8)
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EPS beat(16)
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Revenue beat(2)
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PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.08 | ||
| Fwd PE | 9.51 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)0.21
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -1.06% | ||
| ROE | -3.31% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | 2.38% | ||
| PM (TTM) | N/A | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.23
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.68 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | 1.48 | ||
| Quick Ratio | 1.48 | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-31.9%
EPS 3YN/A
EPS 5Y
EPS growth Q2Q
EPS Next Y79.47%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-14.42%
Revenue growth 3Y-24.46%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y