Logo image of GHLD

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

USA - NYSE:GHLD - US40172N1072 - Common Stock

19.94 USD
0 (0%)
Last: 10/3/2025, 8:04:01 PM
19.94 USD
0 (0%)
After Hours: 10/3/2025, 8:04:01 PM
Fundamental Rating

4

Overall GHLD gets a fundamental rating of 4 out of 10. We evaluated GHLD against 100 industry peers in the Financial Services industry. GHLD may be in some trouble as it scores bad on both profitability and health. GHLD is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one!


Dividend Valuation Growth Profitability Health

Quickly go to:

3

1. Profitability

1.1 Basic Checks

GHLD had positive earnings in the past year.
In the past year GHLD has reported a negative 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.
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: 64.00% of the companies in the same industry are doing better.
GHLD's Return On Equity of 2.12% is on the low side compared to the rest of the industry. GHLD is outperformed by 66.00% of its industry peers.
Looking at the Return On Invested Capital, with a value of 2.36%, GHLD is in line with its industry, outperforming 48.00% of the companies in the same industry.
GHLD had an Average Return On Invested Capital over the past 3 years of 5.63%. This is below the industry average of 7.66%.
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 worse Profit Margin (2.01%) than 66.00% of its industry peers.
GHLD's Profit Margin has improved in the last couple of years.
With a Operating Margin value of 10.92%, GHLD perfoms like the industry average, outperforming 44.00% of the companies in the same industry.
GHLD's Operating Margin has improved in the last couple of years.
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

More info and screens

1

2. Health

2.1 Basic Checks

GHLD has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
The number of shares outstanding for GHLD has been increased compared to 1 year ago.
Compared to 5 years ago, GHLD has more shares outstanding
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 0.87. This is a bad value and indicates that GHLD is not financially healthy and even has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 0.87, GHLD is in line with its industry, outperforming 55.00% of the companies in the same industry.
GHLD has a Debt/Equity ratio of 2.67. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 2.67, GHLD is doing worse than 72.00% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 2.67
Debt/FCF N/A
Altman-Z 0.87
ROIC/WACC0.41
WACC5.81%
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.
The Current ratio of GHLD (0.97) is comparable to the rest of the industry.
GHLD has a Quick 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.
GHLD's Quick ratio of 0.97 is in line compared to the rest of the industry. GHLD outperforms 48.00% 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

More info and screens

7

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 41.54% over the past year.
The Earnings Per Share has been growing by 77.01% on average over the past years. This is a very strong growth
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

The Earnings Per Share is expected to grow by 12.89% on average over the next years. This is quite good.
GHLD is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 16.69% yearly.
EPS Next Y30.96%
EPS Next 2Y19.2%
EPS Next 3Y12.89%
EPS Next 5YN/A
Revenue Next Year19.09%
Revenue Next 2Y20.44%
Revenue Next 3Y16.69%
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.
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

More info and screens

5

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 10.84, the valuation of GHLD can be described as very reasonable.
67.00% of the companies in the same industry are more expensive than GHLD, based on the Price/Earnings ratio.
GHLD's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.86.
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 23.32. GHLD is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 10.84
Fwd PE 9.68
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

The rest of the industry has a similar Enterprise Value to EBITDA ratio as GHLD.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 24.72
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

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 12.89% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.35
PEG (5Y)0.14
EPS Next 2Y19.2%
EPS Next 3Y12.89%

More info and screens

3

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.76%, GHLD has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 5.03, GHLD pays a bit more dividend than its industry peers.
GHLD's Dividend Yield is rather good when compared to the S&P500 average which is at 2.44.
Industry RankSector Rank
Dividend Yield 3.76%

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

119.90% of the earnings are spent on dividend by GHLD. This is not a sustainable payout ratio.
DP119.9%
EPS Next 2Y19.2%
EPS Next 3Y12.89%
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

More info and screens

GUILD HOLDINGS CO - CLASS A

NYSE:GHLD (10/3/2025, 8:04:01 PM)

After market: 19.94 0 (0%)

19.94

0 (0%)

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 Owners28.74%
Inst Owner Change0%
Ins Owners33.83%
Ins Owner Change1.75%
Market Cap1.24B
Analysts50
Price Target17.65 (-11.48%)
Short Float %2.62%
Short Ratio4.3
Dividend
Industry RankSector Rank
Dividend Yield 3.76%
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)3.49%
EPS NQ rev (3m)2.41%
EPS NY rev (1m)2.95%
EPS NY rev (3m)5.35%
Revenue NQ rev (1m)-3.48%
Revenue NQ rev (3m)-4.3%
Revenue NY rev (1m)-3.68%
Revenue NY rev (3m)-3.76%
Valuation
Industry RankSector Rank
PE 10.84
Fwd PE 9.68
P/S 0.96
P/FCF N/A
P/OCF N/A
P/B 1.02
P/tB 1.25
EV/EBITDA 24.72
EPS(TTM)1.84
EY9.23%
EPS(NY)2.06
Fwd EY10.33%
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
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 0.87
F-Score4
WACC5.81%
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 Y30.96%
EPS Next 2Y19.2%
EPS Next 3Y12.89%
EPS Next 5YN/A
Revenue 1Y (TTM)29.74%
Revenue growth 3Y-11.96%
Revenue growth 5Y3.01%
Sales Q2Q%12.06%
Revenue Next Year19.09%
Revenue Next 2Y20.44%
Revenue Next 3Y16.69%
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