Guild Holdings Company

NYSE•GHLD

CEO: Ms. Terry Lynn Schmidt

セクター: Financial Services

業種: Financial - Mortgages

上場日: 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.

連絡先情報

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

858-560-6330

www.guildmortgage.com

時価総額

$1.25B

PER (TTM)

9.9

2.3

配当利回り

1.2%

52週高値

$23.57

52週安値

$11.21

52週レンジ

71%

順位50Top 68.9%

3.1

F-Score

改良版 Piotroski 分析

7年ファンダメンタル

弱い • 3.1 / 9 ポイント

スコアレンジ (0-9)

8-9: 価値が優れている

6-7: 基礎体質が強い

4-5: 全体的に堅調

0-3: パフォーマンスが弱い

データ期間: 2019-2025

財務ダッシュボード

Q3 2025 データ

売上高

$343.93M+115.96%

直近4四半期の推移

EPS

$0.54-149.54%

直近4四半期の推移

フリーCF

$77.03M-112.69%

直近4四半期の推移

2025 Q3 決算ハイライト

主なハイライト

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.

リスク要因

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.

見通し

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.

同業比較

売上高 (TTM)

$4.43B

-11.7%

NAVI

$3.20B

-24.5%

ECPG

$1.77B

+34.4%

粗利益率 (最新四半期)

WABC

94.8%

-0.5pp

ECPG

93.5%

-6.3pp

GHLD

91.5%

+130.3pp

主要指標

銘柄コード	時価総額	PER (TTM)	ROE (TTM)	負債比率
ECPG	$1.51B	5.9	28.2%	77.4%
DCOM	$1.42B	12.6	7.7%	2.4%
BY	$1.39B	10.4	10.8%	5.9%

長期トレンド

直近4四半期

売上高

純利益

営業キャッシュフロー

4四半期売上高CAGR

-5.6%

成長鈍化

4四半期純利益CAGR

-30.2%

収益性の低下

キャッシュフロー安定性

75%

キャッシュフローの変動が大きい

深度リサーチ

次回決算:2026年5月5日

EPS:-

売上高:-

財務データ

決算説明会

財務レポート

ニュース

損益計算書

バランスシート

キャッシュフロー計算書

財務比率

変化率

損益計算書	直近12ヶ月

データなし