Guild Holdings Co

GHLD · NYSE · Financial Services / Mortgage Finance

66.04USD-0.71 (-1.06%)

Price History

Full chart

Market Stats

Previous Close66.75

Open66.16

Day Range66.04 – 66.51

52-Week Range58.96 – 94.77

Volume13.07K

Market Cap1.25B

P/E (TTM)9.91

Forward P/E8.67

EPS2.02

Dividend Yield7.54%

Beta1.08

50-Day Avg19.91

200-Day Avg17.18

About

Guild Holdings Company, through its subsidiary, originates, sells, and services residential mortgage loans in the United States. The company operates in two segments, Origination and Servicing. It is involved in loan origination, and acquisition and sale activities; servicing activities, including collection and remittance of loan payments, managing borrower's impound accounts for taxes and insurance, loan payoffs, loss mitigation, and foreclosure activities. Guild Holdings Company was founded in 1960 and is headquartered in San Diego, California.

Company Details

SectorFinancial Services
IndustryMortgage Finance
CEOMs. Terry Lynn Schmidt CPA
Employees5.27K
Headquarters5887 Copley Drive, San Diego, CA, United States, 92111, USA
Websitehttps://www.guildmortgage.com

Leadership

Ms. Terry Lynn Schmidt CPACEO & Director · b. 1962
Mr. David Manuel NeylanPresident & COO · b. 1976
Ms. Desiree A. Kramer CPASenior VP & CFO · b. 1983
Mr. Kurt ReheiserExecutive VP & Chief Information Officer
Ms. Bella GuerreroSecretary, Senior VP & Chief Compliance Officer
Mr. Mike HuberSenior VP & General Counsel
Mr. Adam O'DanielSenior VP & Chief Marketing Officer
Mr. Dave RobertsonSenior VP & Chief HR Officer
Mr. Barrett Hart HornExecutive Vice President of Growth Champion · b. 1944
Mr. David BattanyExecutive Vice President of Capital Markets

Financials

Income Statement

Currency: USD	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31
Total Revenue	553.95M	780.61M	1.69B	1.65B	1.22B	730.23M	1.17B
Growth (%)	-	+40.92%	+116.64%	-2.44%	-25.87%	-40.29%	+60.87%
Cost of Revenue	45.59M	57.52M	61.96M	63.43M	51.26M	66.36M	109.84M
Gross Profit	508.36M	723.09M	1.63B	1.59B	1.17B	663.86M	1.06B
Gross Margin	91.77%	92.63%	96.34%	96.16%	95.81%	90.91%	90.65%
Operating Expense	410.77M	717.26M	1.14B	1.20B	751.68M	709.99M	945.82M
Operating Income	97.59M	5.83M	494.07M	386.93M	420.02M	-46.13M	119.06M
Operating Margin	17.62%	0.75%	29.22%	23.45%	34.34%	-6.32%	10.13%
EBITDA	104.77M	13.16M	520.17M	420.12M	451.52M	-10.12M	156.84M
EBITDA Margin	18.91%	1.69%	30.76%	25.46%	36.92%	-1.39%	13.35%
Net Income	73.33M	5.58M	370.58M	283.77M	328.60M	-39.01M	97.13M
Net Income Margin	13.24%	0.71%	21.91%	17.20%	26.87%	-5.34%	8.27%
R&D	0.14	0.01	0.32	0.25	0.5	0.06	-
R&D as % of Total Revenue	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-
Interest Expense	45.59M	57.52M	60.17M	63.43M	51.26M	70.60M	109.84M
Interest Expense % of Total Revenue	8.23%	7.37%	3.56%	3.84%	4.19%	9.67%	9.35%

Balance Sheet

Currency: USD	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31
Total Assets	2.04B	2.61B	4.82B	4.38B	3.24B	3.68B	4.77B
Total Liabilities	1.60B	2.20B	4.08B	3.46B	1.99B	2.49B	3.51B
Total Equity	440.94M	406.03M	735.99M	919.98M	1.25B	1.18B	1.25B
Cash	58.51M	101.73M	334.62M	243.11M	137.89M	120.26M	118.20M
Total Debt	160.00M	3.24B	4.47B	4.11B	1.56B	2.09B	3.03B
Net Debt	101.50M	3.14B	2.05B	2.04B	788.02M	1.97B	2.92B

Cash Flow

Currency: USD	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31
Operating Cash Flow	-31.77M	-424.71M	-468.04M	680.46M	1.26B	-91.72M	-659.62M
Investing Cash Flow	-25.64M	-13.49M	-18.02M	-104.66M	-7.18M	-136.60M	-152.39M
Financing Cash Flow	47.24M	482.18M	718.96M	-667.31M	-1.35B	208.95M	809.69M
Capital Expenditure	6.69M	3.71M	8.23M	4.61M	3.86M	5.51M	9.37M
Free Cash Flow	-38.45M	-428.41M	-476.27M	675.85M	1.26B	-97.23M	-668.99M
Dividends Paid	40.00M	32.50M	37.17M	121.06M	61.06M	30.48M	30.70M
FCF to OCF	121.05%	100.87%	101.76%	99.32%	99.69%	106.01%	101.42%
Dividend Paid to FCF	-104.03%	-7.59%	-7.80%	17.91%	4.86%	-31.35%	-4.59%

Earnings

Report Date	Sep 2, 2020	Dec 2, 2020	Mar 22, 2021	May 11, 2021	Aug 11, 2021	Nov 10, 2021	Mar 10, 2022	May 6, 2022	Aug 4, 2022	Nov 3, 2022	Mar 9, 2023	May 8, 2023	Aug 3, 2023	Nov 8, 2023	Mar 12, 2024	May 9, 2024	Aug 8, 2024	Nov 6, 2024	Mar 10, 2025	May 7, 2025	Aug 7, 2025	Nov 5, 2025
EPS Estimate	2.67	3.32	1.79	1.31	0.77	0.53	0.68	0.36	0.14	0.23	0.16	0.09	0.10	0.18	0.14	0.21	0.27	0.50	0.32	0.18	0.43	0.53
EPS Actual	3.00	3.44	1.49	1.77	0.87	1.27	0.37	0.53	0.23	0.40	-0.25	-0.04	0.15	0.48	0.20	0.13	0.49	0.51	0.32	0.35	0.66	0.75
Surprise	12.36%	3.61%	-16.76%	35.11%	12.99%	139.62%	-45.59%	47.22%	64.29%	73.91%	-256.25%	-144.44%	50.00%	166.67%	42.86%	-38.10%	81.48%	2.00%	-1.23%	94.44%	53.49%	41.51%
Timing	-	After-hours	After-hours	Pre-market	After-hours	After-hours	After-hours	Pre-market	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	Pre-market	After-hours	After-hours	After-hours

Key Statistics & Ratios

Market Cap1.25B

Enterprise Value4.45B

Trailing P/E9.91

Forward P/E8.67

Price / Sales0.98

Price / Book1.01

EPS2.02

Book Value19.87

Revenue (TTM)1.27B

Gross Profit (TTM)1.27B

EBITDA300.64M

Profit Margin9.92%

Operating Margin23.58%

Return on Equity10.52%

Return on Assets3.67%

Shares Outstanding21.94M

Shares Float10.36M

Beta1.08

Dividend Yield7.54%

Dividend Rate0.00

Payout Ratio36.06%

Analyst Ratings

Buy

Based on 7 analystsTarget 20.00

Strong Buy
3
Buy
1
Hold
2
Sell
1

Ownership Breakdown

Institutions: 29.54%
Insiders: 53.75%
Retail / Other: 16.71%

Top Institutional Holders

AllianceBernstein L.P.
00.00%
State Street Corp
00.00%
BlackRock Inc
00.00%
Carmignac Gestion
00.00%
Skandinaviska Enskilda Banken AB
00.00%
Tower Research Capital LLC
00.00%
Northern Trust Corp
00.00%
Bridgeway Capital Management, LLC
00.00%
SG Americas Securities, LLC
00.00%
Donald Smith & Co Inc
00.00%
Tudor Investment Corp Et AL
00.00%
Trexquant Investment LP
00.00%
One Degree Advisors Inc
00.00%
Citadel Advisors Llc
00.00%
Global Retirement Partners, LLC.
00.00%
Bridges Investment Management Inc
00.00%

Top Fund Holders

Guggenheim VT Multi-Hedge Strategies
3.65K0.01%
First Trust Multi-Strategy Cl I
2.99K0.00%
Guggenheim Multi-Hedge Strategies P
2.16K0.00%
SSgA U.S. Total Market Index Strategy
1.11K0.00%

Dividends

20251×

0.25Aug 18, 2025