GHLD

Guild Holdings Co

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19.950

+0.08(0.403%)1D

Overview
Forecast
Valuation
Earnings

Line

Candle

YTD

High

19.980

Open

19.860

VWAP

19.91

Vol

192.52K

Mkt Cap

1.24B

Low

19.860

Amount

3.83M

EV/EBITDA(TTM)

8.63

Total Shares

61.34M

3.93B

EV/OCF(TTM)

P/S(TTM)

0.99

Guild Holdings Company is a mortgage company. The Company is engaged in providing residential mortgage products and local in-house origination and servicing. Its segments include Origination and Servicing. The Origination segment operates its loan origination business throughout the United States. The Origination segment is responsible for loan origination, acquisition and sale activities. The Servicing segment provides a steady stream of cash flow to support the origination segment. The Servicing segment is responsible for the servicing activities of all loans in the Company’s servicing portfolio, which includes collection and remittance of loan payments, managing borrower’s impound accounts for taxes and insurance, loan payoffs, loss mitigation and foreclosure activities. It has developed its in-house servicing platform. Servicing segment is based out of its servicing center in San Diego, California, and it is a licensed mortgage servicer in 49 states and the District of Columbia.

Market Estimates

Earnings Estimates

Revenue

YoY Chg

EPS

YoYChg

FY2025Q2

FY2025Q3

FY2025Q4

298.10M

+4.34%

0.441

-9.91%

320.98M

+101.55%

0.483

-5.27%

319.87M

-14.24%

0.478

+49.23%

Estimates Revision

The market is revising Downward the revenue expectations for Guild Holdings Company (GHLD) for FY2025, with the revenue forecasts being adjusted by -3.96% over the past three months. During the same period, the stock price has changed by 60.76%.

Revenue Estimates for FY2025

Revise Downward

-3.96%

In Past 3 Month

EPS Estimates for FY2025

Revise Upward

+4.03%

In Past 3 Month

Stock Price

Go Up

+60.76%

In Past 3 Month

6 Analyst Rating

-13.78% Downside

Wall Street analysts forecast GHLD stock price to fall over the next 12 months. According to Wall Street analysts, the average 1-year price target for GHLD is 17.20 USD with a low forecast of 13.00 USD and a high forecast of 20.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

1 Buy

4 Hold

1 Sell

Hold

-13.78% Downside

Current: 19.950

Low

13.00

Averages

17.20

High

20.00

-13.78% Downside

Current: 19.950

Low

13.00

Averages

17.20

High

20.00

Jefferies

Matthew Hurwit

Buy -> Hold

downgrade

$16 -> $20

2025-07-21

Reason

Jefferies

Matthew Hurwit

Price Target

$16 -> $20

2025-07-21

downgrade

Buy -> Hold

Reason

Jefferies analyst Matthew Hurwit downgraded Guild Holdings to Hold from Buy with a price target of $20, up from $16, citing the company's agreement to be acquired by a fund managed by Bayview Asset Management for $20.00 per share in cash.

JPMorgan

Neutral

maintain

$20

2025-07-11

Reason

JPMorgan

Price Target

$20

2025-07-11

maintain

Neutral

Reason

JPMorgan raised the firm's price target on Guild Holdings to $20 from $12.50 and keeps a Neutral rating on the shares. The firm established year-end 2026 price targets in the consumer finance group heading into the Q2 reports. While tariff uncertainty remains elevated, the probability of "left-tailed scenarios" has diminished, which warrants a more constructive outlook, the analyst tells investors in a research note.

Compass Point

Giuliano Bologna

Buy

Neutral

downgrade

$20

2025-06-19

Reason

Compass Point

Giuliano Bologna

Price Target

$20

2025-06-19

downgrade

Buy

Neutral

Reason

Compass Point analyst Giuliano Bologna downgraded Guild Mortgage to Neutral from Buy with a $20 price target.

BofA

Underperform -> No Rating

upgrade

$20

2025-06-19

Reason

BofA

Price Target

$20

2025-06-19

upgrade

Underperform -> No Rating

Reason

BofA moved to No Rating from Underperform on Guild Mortgage after a fund managed by Bayview Asset Management agreed to acquire all the outstanding shares of Guild common stock that Bayview does not already own in an all-cash transaction of $20 per share, or $1.3B total equity value. The firm believes that shares are no longer trading on fundamentals as a result of this transaction.

Citizens JMP

Mikhail Goberman

Outperform -> Market Perform

downgrade

2025-06-19

Reason

Citizens JMP

Mikhail Goberman

Price Target

2025-06-19

downgrade

Outperform -> Market Perform

Reason

Citizens JMP analyst Mikhail Goberman downgraded Guild Mortgage to Market Perform from Outperform without a price target after the company signed an agreement under which a fund managed by Bayview Asset Management will acquire all of the outstanding shares of Guild for $20.00 in cash.

Citizens JMP

Mikhail Goberman

Outperform

downgrade

2025-05-27

Reason

Citizens JMP

Mikhail Goberman

Price Target

2025-05-27

downgrade

Outperform

Reason

Citizens JMP analyst Mikhail Goberman lowered the firm's price target on Guild Mortgage to $15.50 from $16.50 and keeps an Outperform rating on the shares. Guild's adjusted EPS beat consensus estimates, though GAAP EPS was substantially lower than the gain of 4Q24, the analyst tells investors in a research note. While Q1 results were better than expected from an origination standpoint, yet continue to be impacted by challenging industry market conditions, the firm continues to believe Guild is in a strong position to weather the current mortgage environment and outperform the competition within the residential mortgage origination industry.

See All Ratings

Valuation Metrics

The current forward P/E ratio for Guild Holdings Co (GHLD.N) is 10.95, compared to its 5-year average forward P/E of 8.96. For a more detailed relative valuation and DCF analysis to assess Guild Holdings Co 's fair value, click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.

Fair

5Y Average PE

8.96

Current PE

10.95

Overvalued PE

12.50

Undervalued PE

5.43

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.

Fair

5Y Average EV/EBITDA

21.14

Current EV/EBITDA

22.09

Overvalued EV/EBITDA

28.23

Undervalued EV/EBITDA

14.05

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.

Overvalued

5Y Average PS

0.76

Current PS

0.98

Overvalued PS

0.87

Undervalued PS

0.65

Financials

Annual

Quarterly

FY2025Q1

YoY :

+28.21%

287.59M

Total Revenue

FY2025Q1

YoY :

-16766.23%

114.50M

Operating Profit

FY2025Q1

YoY :

-184.36%

-23.96M

Net Income after Tax

FY2025Q1

YoY :

-184.78%

-0.39

EPS - Diluted

FY2025Q1

YoY :

-168.12%

178.50M

Free Cash Flow

FY2025Q1

YoY :

-49.63%

-18.27

FCF Margin - %

FY2025Q1

YoY :

-165.80%

-8.33

Net Margin - %

FY2025Q1

N/A

ROIC

Trading Trends

Insider

Insiders are Neutral. There are no significant trading trends over the last month.

Sold

0-3

Months

1.6K

USD

3-6

Months

16.5K

USD

6-9

Months

53.9K

USD

0-12

Months

0.0

USD

Bought

0-3

0.0

USD

Months

3-6

0.0

USD

Months

6-9

0.0

USD

Months

0-12

0.0

USD

Months

Hedge Fund

Hedge Funds areBuying! The buying amount has increased 2249.35% over the last quarter.

Sold

0-3

Months

0.0

Volume

3-6

Months

0.0

Volume

6-9

Months

0.0

Volume

0-12

Months

0.0

Volume

Bought

0-3

0.0

Volume

Months

3-6

36.2K

Volume

Months

6-9

1.5K

Volume

Months

0-12

0.0

Volume

Months

Congress Trading

Congress are Neutral. There are no significant trading trends over the last month.

Sold

0-3

Months

0.0

USD

3-6

Months

0.0

USD

6-9

Months

0.0

USD

0-12

Months

0.0

USD

Bought

0-3

0.0

USD

Months

3-6

0.0

USD

Months

6-9

0.0

USD

Months

0-12

0.0

USD

Months

Insider

Insiders are Neutral. There are no significant trading trends over the last month.

Sold

0-3

Months

1.6K

USD

3-6

Months

16.5K

USD

6-9

Months

53.9K

USD

0-12

Months

0.0

USD

Bought

0-3

0.0

USD

Months

3-6

0.0

USD

Months

6-9

0.0

USD

Months

0-12

0.0

USD

Months

GHLD News & Events

Events Timeline

2025-06-20 (ET)

2025-06-20

11:35:38

Guild Holdings deal valuation supportive of Onity Group, says BTIG

2025-06-18 (ET)

2025-06-18

12:00:53

Guild Mortgage rises 25.6%

2025-06-18

10:00:25

Guild Mortgage rises 25.1%

News

9.5

07-29NASDAQ.COM

SoFi Technologies, Inc. (SOFI) Q2 Earnings and Revenues Surpass Estimates

7.0

06-30Globenewswire

BRODSKY & SMITH SHAREHOLDER UPDATE: Notifying Investors of the Following Investigations: Big 5 Sporting Goods Corporation (Nasdaq - BGFV), GMS Inc. (NYSE - GMS), Guild Holdings Company (NYSE - GHLD), TaskUs, Inc. (Nasdaq - TASK)

4.0

06-20Benzinga

This Sarepta Therapeutics Analyst Is No Longer Bullish; Here Are Top 3 Downgrades For Friday