GHLD

Earnings Release Announcement: Guild Holdings Company will release its first-quarter financial results for 2025 on May 7, 2025, after market close, followed by a conference call at 5:00 p.m. Eastern Time to discuss the results.

Company Overview: Guild Mortgage Company, a subsidiary of Guild Holdings, is an independent mortgage lender established in 1960, offering various residential mortgage products and services across 49 states and D.C.

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Insider Trading Activity: Strategic Enterprises, LLC McGarry sold 923 shares of $GHLD, reducing their ownership slightly to 4,379,817 shares, with no purchases made by insiders in the last six months, only sales.

Institutional and Analyst Insights: In the last quarter, 13 institutional investors increased their positions in $GHLD while 11 decreased theirs; analysts have issued 1 buy rating and no sell ratings for the stock recently.

Overbought Stocks in Financial Sector: As of March 24, 2025, Guild Holdings Co (GHLD) and Root Inc (ROOT) are identified as overbought stocks with RSI values of 72.6 and 71.1 respectively, indicating potential caution for momentum-focused investors.

Recent Performance Highlights: Guild Holdings reported mixed fourth-quarter results but saw an 18% stock increase over the past month, while Root Inc's stock surged by 61%, following a price target increase from UBS analyst Brian Meredith.

Analyst Ratings: Analysts have given neutral ratings to Sumitomo Mitsui Holdings (CMTDF) and Guild Holdings (GHLD), indicating no strong bullish or bearish sentiment towards these stocks.

Price Targets: J.P. Morgan set a price target of Yen4520.00 for Sumitomo Mitsui, while Wells Fargo set a target of $15.00 for Guild Holdings, with both companies currently holding consensus ratings of Hold and Moderate Buy respectively.

Analyst Ratings Overview: Guild Holdings has received mixed analyst ratings over the past three months, with one bullish rating and three somewhat bearish ratings, reflecting a shift in sentiment. The average 12-month price target is $14.0, indicating a slight increase from previous estimates.

Financial Performance Insights: Guild Holdings faces challenges with declining revenue growth of approximately -35.6% and a net margin of -40.38%, although it maintains a sound financial structure with a debt-to-equity ratio of 0.61.

Mixed Financial Results: Guild Holdings Company reported fourth quarter revenue of $373 million, exceeding expectations, but adjusted earnings per share of $0.32 fell short of the $0.34 estimate, leading to a 2.7% drop in shares.

Growth and Dividends: The company originated $6.7 billion in loans, an 86% increase year-over-year, and declared a special cash dividend of $0.50 per share while extending its share repurchase program with $10 million remaining for buybacks.

Analyst Rating and Price Target: BTIG analyst Eric Hagen has maintained a Buy rating on Guild Holdings (GHLD) with a price target of $18.00, while the stock opened at $12.61. The overall analyst consensus suggests a Moderate Buy with an average price target of $16.50.

Financial Performance and Insider Activity: Guild Holdings reported a quarterly revenue of $159.26 million and a net loss of $66.89 million, down from last year's profit. Additionally, insider sentiment is negative, with an increase in share sales by insiders, including a recent sale by Director Edward JR Bryant.

Earnings Performance: HCI Group reported quarterly earnings of $0.31 per share, significantly beating the Zacks Consensus Estimate of a loss of $2.75 per share, although revenues of $161.88 million fell short of expectations.

Market Outlook: The stock currently holds a Zacks Rank #3 (Hold), indicating it is expected to perform in line with the market, while future performance will depend on management's commentary and earnings estimate revisions.

Analyst Rating and Price Target: BTIG analyst Eric Hagen has maintained a Buy rating on Guild Holdings (GHLD) with a price target of $18.00, while the stock closed at $12.41. The overall analyst consensus suggests a Moderate Buy rating with an average price target of $16.50.

Company Performance and Insider Activity: Guild Holdings reported a quarterly revenue drop to $159.26 million and a net loss of $66.89 million compared to the previous year's profit. Additionally, insider sentiment is negative, with increased selling activity among insiders, including a recent sale by Director Edward JR Bryant.

Earnings Performance: XP Inc.A reported quarterly earnings of $0.38 per share, significantly missing the Zacks Consensus Estimate of $1.39, marking a 72.66% earnings surprise. Despite surpassing revenue expectations with $767.81 million, the company has struggled to meet EPS estimates over the past four quarters.

Market Outlook: The current estimate revisions trend for XP Inc.A is unfavorable, resulting in a Zacks Rank #4 (Sell), indicating expected underperformance in the near future. Investors are advised to monitor upcoming earnings estimates and industry performance, as these factors could impact stock movement.

Guild Mortgage Achievements: Guild Mortgage has become the lender with the most five-star reviews and total reviews on Zillow, attributed to its customer-centric approach and dedicated teams across the nation.

Growth Through Acquisitions: The company has experienced significant growth through strategic acquisitions, including Academy Mortgage, which added 20% to its volume and expanded its service offerings, solidifying its position as a national leader in the independent retail mortgage industry.

Stock Offering Announcement: Guild Holdings (GHLD) announced the offer and sale of up to 48.5 million shares of Class A common stock by selling stockholders, with no shares being offered by the company itself.

No Proceeds for Company: The company will not receive any proceeds from this stock offering as it is solely conducted by selling stockholders.

Earnings Conference Call Overview: Guild Holdings Company held its Q3 2024 earnings conference call on November 6, 2024, featuring key company executives and analysts discussing the company's financial performance and future expectations.

Forward-Looking Statements and Risks: The call included forward-looking statements about the company's operations and financial outlook, with a reminder that actual results may differ due to various risks outlined in their annual report and SEC filings.

Earnings Release Announcement: Guild Holdings Company will release its third-quarter financial results on November 6, 2024, after market close, followed by a conference call at 5:00 p.m. Eastern Time to discuss the results.

Company Overview: Guild Mortgage Company, a subsidiary of Guild Holdings, is an independent mortgage lender established in 1960, offering various residential mortgage products and services across 49 states and D.C.

Stock Recommendations: Zacks.com highlights PennyMac Financial Services, Velocity Financial, and Guild Holdings as attractive investment options due to recent declines in mortgage rates and increased refinancing activity following the Federal Reserve's dovish stance on interest rates.

Market Performance: The stocks of these companies have shown significant growth this year, with PennyMac up 27%, Velocity Financial up 13.5%, and Guild Holdings up 20.7%, indicating a bullish trend supported by positive earnings estimates and market conditions.

Mortgage Rate Trends: Recent cuts in interest rates by the Federal Reserve have led to a decrease in mortgage rates, with the 30-year fixed mortgage averaging 6.08%, down from 7.31% last year, resulting in increased refinancing activities and higher mortgage application volumes.

Investment Opportunities: Stocks of PennyMac Financial Services, Velocity Financial, and Guild Holdings are highlighted as attractive investments due to their strong earnings growth potential and positive market trends, with significant price target increases expected for each company.

Market Overview: After a decline in early August, U.S. stocks rebounded due to positive retail sales and comments from Federal Reserve Chair Jerome Powell regarding potential interest rate cuts, although Middle East tensions may impact this upward trend.

Breakout Stock Recommendations: Investors are advised to focus on breakout stocks like American Guild Holdings Co. (GHLD), DoubleDown Interactive Co., Ltd. (DDI), and Travelzoo (TZOO), which show promising earnings growth rates and potential for significant gains when trading above established resistance levels.

Market Overview: Following a dip in early August, Wall Street stocks rebounded due to positive retail sales and initial claims reports, alongside comments from Federal Reserve Chair Jerome Powell regarding interest rate cuts; however, ongoing Middle East tensions may impact this upward trend.

Breakout Stock Strategy: Investors are advised to focus on breakout stocks that show potential for significant gains by analyzing support and resistance levels; American Guild Holdings (GHLD), DoubleDown Interactive (DDI), and Travelzoo (TZOO) are highlighted as top breakout stock picks based on specific criteria.

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