Guild Holdings Company

NYSE•GHLD

CEO: Ms. Terry Lynn Schmidt

Sector: Financial Services

Industry: Financial - Mortgages

Listing Date: 2020-10-22

Guild Holdings Company originates, sells, and services residential mortgage loans in the United States. It operates in two segments, Origination and Servicing. The company offers residential mortgages through retail and correspondent channels. Guild Holdings Company was incorporated in 1960 and is headquartered in San Diego, California.

Contact Information

5887 Copley Drive, San Diego, CA, 92111, United States

858-560-6330

www.guildmortgage.com

Market Cap

$1.25B

P/E (TTM)

9.9

2.3

Dividend Yield

1.2%

52W High

$23.57

52W Low

$11.21

52W Range

71%

Rank50Top 68.9%

3.1

F-Score

Modified Piotroski Analysis

Based on 7-year fundamentals

Weak • 3.1 / 9 points

Scoring Range (0-9)

8-9: Excellent Value

6-7: Strong Fundamentals

4-5: Average Quality

0-3: Weak Performance

Data Period: 2019-2025

Financial Dashboard

Q3 2025 Data

Revenue

$343.93M+115.96%

4-Quarter Trend

EPS

$0.54-149.54%

4-Quarter Trend

FCF

$77.03M-112.69%

4-Quarter Trend

2025 Q3 Earnings Highlights

Key Highlights

Nine Month Income Reversal Net income attributable to Guild $28.09 M for nine months 2025, reversing prior year loss of ($0.81 M).

Origination Volume Surges Total originations reached $20.07 B for nine months 2025, marking a strong 16.1% increase over prior year.

Servicing Portfolio Grows Servicing portfolio UPB ended at $98.34 B, reflecting 7.5% growth compared to the prior year period.

Adjusted Earnings Strong Adjusted net income for nine months 2025 totaled $110.08 M, showing 56.3% improvement over 2024 results.

Risk Factors

MSR Valuation Volatility MSR valuation adjustment resulted in $140.26 M loss for nine months 2025, a 14.2% increase in negative impact.

Foreclosure Loss Provision Provision for foreclosure losses rose sharply to $4.64 M for nine months 2025, up 811.8% year-to-date.

Warehouse Credit Dependency Outstanding warehouse lines of credit totaled $1.60 B, indicating significant short-term funding reliance on collateralized mortgages.

Merger Transaction Risks Pending merger creates integration uncertainties and transaction costs, totaling $8.3 M recognized so far in 2025.

Outlook

Merger Expected Closing Merger expected to close by Q4 2025, converting Class A/B shares to $20.00 cash consideration per share.

Strong Recapture Strategy Purchase recapture rate was 23.4% for nine months 2025, demonstrating effective customer retention efforts.

Capital Requirements Maintained Company remains compliant with minimum adjusted net worth requirements, maintaining $289.8 M minimum level.

Peer Comparison

Revenue (TTM)

$4.43B

-11.7%

NAVI

$3.20B

-24.5%

ECPG

$1.77B

+34.4%

Gross Margin (Latest Quarter)

WABC

94.8%

-0.5pp

ECPG

93.5%

-6.3pp

GHLD

91.5%

+130.3pp

Key Metrics

Symbol	Market Cap	P/E (TTM)	ROE (TTM)	Debt to Assets
ECPG	$1.75B	6.8	28.2%	77.4%
DCOM	$1.58B	14.0	7.7%	2.4%
BY	$1.53B	11.5	10.8%	5.9%

Long-Term Trends

Last 4 Quarters

Revenue

Net Income

Operating Cash Flow

4Q Revenue CAGR

-5.6%

Growth Under Pressure

4Q Net Income CAGR

-30.2%

Declining Profitability

Cash Flow Stability

75%

Volatile Cash Flow

Deep Research

Next earnings:May 5, 2026

EPS:-

Revenue:-

Financials

Earnings Calls

Reports

News

Income Statement

Balance Sheet

Cash Flow Statement

Ratios

% Chg.

Income Statement	LTM

No Data