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GUILD HOLDINGS CO - CLASS A (GHLD) Stock Fundamental Analysis

NYSE:GHLD - New York Stock Exchange, Inc. - US40172N1072 - Common Stock - Currency: USD

12.9  +0.12 (+0.94%)

Fundamental Rating

4

Overall GHLD gets a fundamental rating of 4 out of 10. We evaluated GHLD against 101 industry peers in the Financial Services industry. GHLD has a medium profitability rating, but doesn't score so well on its financial health evaluation. GHLD is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one!


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

In the past year GHLD was profitable.
GHLD had a negative operating cash flow in the past year.
Of the past 5 years GHLD 4 years were profitable.
In multiple years GHLD reported negative operating cash flow during the last 5 years.
GHLD Yearly Net Income VS EBIT VS OCF VS FCFGHLD Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2018 2019 2020 2021 2022 2023 2024 0 500M -500M 1B

1.2 Ratios

With a Return On Assets value of 2.04%, GHLD perfoms like the industry average, outperforming 54.46% of the companies in the same industry.
GHLD has a Return On Equity (7.75%) which is comparable to the rest of the industry.
GHLD's Return On Invested Capital of 4.05% is in line compared to the rest of the industry. GHLD outperforms 56.44% of its industry peers.
GHLD had an Average Return On Invested Capital over the past 3 years of 5.63%. This is below the industry average of 7.70%.
Industry RankSector Rank
ROA 2.04%
ROE 7.75%
ROIC 4.05%
ROA(3y)3.71%
ROA(5y)5.06%
ROE(3y)10.25%
ROE(5y)22.39%
ROIC(3y)5.63%
ROIC(5y)7.12%
GHLD Yearly ROA, ROE, ROICGHLD Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2018 2019 2020 2021 2022 2023 2024 0 10 20 30 40 50

1.3 Margins

The Profit Margin of GHLD (8.18%) is comparable to the rest of the industry.
GHLD's Profit Margin has improved in the last couple of years.
Looking at the Operating Margin, with a value of 19.28%, GHLD is in the better half of the industry, outperforming 64.36% of the companies in the same industry.
GHLD's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 19.28%
PM (TTM) 8.18%
GM N/A
OM growth 3Y-9.23%
OM growth 5Y26.39%
PM growth 3Y-20.55%
PM growth 5Y71.77%
GM growth 3YN/A
GM growth 5YN/A
GHLD Yearly Profit, Operating, Gross MarginsGHLD Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2018 2019 2020 2021 2022 2023 2024 0 10 20 30 40

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2

2. Health

2.1 Basic Checks

GHLD has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
GHLD has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, GHLD has more shares outstanding
The debt/assets ratio for GHLD is higher compared to a year ago.
GHLD Yearly Shares OutstandingGHLD Yearly Shares OutstandingYearly Shares Outstanding 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M
GHLD Yearly Total Debt VS Total AssetsGHLD Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

2.2 Solvency

Based on the Altman-Z score of 0.90, we must say that GHLD is in the distress zone and has some risk of bankruptcy.
GHLD has a Altman-Z score (0.90) which is in line with its industry peers.
GHLD has a Debt/Equity ratio of 2.36. This is a high value indicating a heavy dependency on external financing.
GHLD's Debt to Equity ratio of 2.36 is on the low side compared to the rest of the industry. GHLD is outperformed by 69.31% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.36
Debt/FCF N/A
Altman-Z 0.9
ROIC/WACC0.81
WACC5.02%
GHLD Yearly LT Debt VS Equity VS FCFGHLD Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2018 2019 2020 2021 2022 2023 2024 0 1B 2B 3B

2.3 Liquidity

A Current Ratio of 1.20 indicates that GHLD should not have too much problems paying its short term obligations.
GHLD has a Current ratio of 1.20. This is in the better half of the industry: GHLD outperforms 61.39% of its industry peers.
GHLD has a Quick Ratio of 1.20. This is a normal value and indicates that GHLD is financially healthy and should not expect problems in meeting its short term obligations.
GHLD's Quick ratio of 1.20 is fine compared to the rest of the industry. GHLD outperforms 62.38% of its industry peers.
Industry RankSector Rank
Current Ratio 1.2
Quick Ratio 1.2
GHLD Yearly Current Assets VS Current LiabilitesGHLD Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

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7

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 83.54% over the past year.
Measured over the past years, GHLD shows a very strong growth in Earnings Per Share. The EPS has been growing by 77.01% on average per year.
GHLD shows a strong growth in Revenue. In the last year, the Revenue has grown by 39.20%.
GHLD shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.01% yearly.
EPS 1Y (TTM)83.54%
EPS 3Y-30.29%
EPS 5Y77.01%
EPS Q2Q%60%
Revenue 1Y (TTM)39.2%
Revenue growth 3Y-11.96%
Revenue growth 5Y3.01%
Sales Q2Q%53.65%

3.2 Future

Based on estimates for the next years, GHLD will show a quite strong growth in Earnings Per Share. The EPS will grow by 12.05% on average per year.
GHLD is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 17.35% yearly.
EPS Next Y22.05%
EPS Next 2Y17.22%
EPS Next 3Y12.05%
EPS Next 5YN/A
Revenue Next Year26.47%
Revenue Next 2Y22.97%
Revenue Next 3Y17.35%
Revenue Next 5YN/A

3.3 Evolution

Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
GHLD Yearly Revenue VS EstimatesGHLD Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 500M 1B 1.5B
GHLD Yearly EPS VS EstimatesGHLD Yearly EPS VS EstimatesYearly EPS VS Estimates 2020 2021 2022 2023 2024 2025 2026 2027 2 4 6 8

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6

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 8.90, the valuation of GHLD can be described as very reasonable.
GHLD's Price/Earnings ratio is a bit cheaper when compared to the industry. GHLD is cheaper than 68.32% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 28.29. GHLD is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 7.29, which indicates a rather cheap valuation of GHLD.
74.26% of the companies in the same industry are more expensive than GHLD, based on the Price/Forward Earnings ratio.
GHLD's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.08.
Industry RankSector Rank
PE 8.9
Fwd PE 7.29
GHLD Price Earnings VS Forward Price EarningsGHLD Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

GHLD's Enterprise Value to EBITDA ratio is in line with the industry average.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 13.64
GHLD Per share dataGHLD EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 -10 20

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as GHLD's earnings are expected to grow with 12.05% in the coming years.
PEG (NY)0.4
PEG (5Y)0.12
EPS Next 2Y17.22%
EPS Next 3Y12.05%

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5

5. Dividend

5.1 Amount

GHLD has a Yearly Dividend Yield of 7.81%, which is a nice return.
Compared to an average industry Dividend Yield of 4.63, GHLD pays a better dividend. On top of this GHLD pays more dividend than 94.06% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.57, GHLD pays a better dividend.
Industry RankSector Rank
Dividend Yield 7.81%

5.2 History

GHLD has been paying a dividend for less than 5 years, so it still needs to build a track record.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years1
GHLD Yearly Dividends per shareGHLD Yearly Dividends per shareYearly Dividends per share 2021 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

GHLD pays out 31.61% of its income as dividend. This is a sustainable payout ratio.
DP31.61%
EPS Next 2Y17.22%
EPS Next 3Y12.05%
GHLD Yearly Income VS Free CF VS DividendGHLD Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2018 2019 2020 2021 2022 2023 2024 0 500M -500M 1B
GHLD Dividend Payout.GHLD Dividend Payout, showing the Payout Ratio.GHLD Dividend Payout.PayoutRetained Earnings

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GUILD HOLDINGS CO - CLASS A

NYSE:GHLD (4/17/2025, 8:24:44 PM)

12.9

+0.12 (+0.94%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)03-06 2025-03-06/amc
Earnings (Next)05-07 2025-05-07/amc
Inst Owners27.19%
Inst Owner Change0%
Ins Owners31.78%
Ins Owner Change-0.56%
Market Cap798.51M
Analysts78.33
Price Target16.58 (28.53%)
Short Float %0.11%
Short Ratio1.43
Dividend
Industry RankSector Rank
Dividend Yield 7.81%
Yearly Dividend0.5
Dividend Growth(5Y)N/A
DP31.61%
Div Incr Years0
Div Non Decr Years1
Ex-Date03-17 2025-03-17 (0.5)
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-4.53%
Min EPS beat(2)-8.62%
Max EPS beat(2)-0.44%
EPS beat(4)1
Avg EPS beat(4)7.03%
Min EPS beat(4)-38.13%
Max EPS beat(4)75.33%
EPS beat(8)4
Avg EPS beat(8)18.99%
EPS beat(12)6
Avg EPS beat(12)9.92%
EPS beat(16)9
Avg EPS beat(16)16.03%
Revenue beat(2)2
Avg Revenue beat(2)8.65%
Min Revenue beat(2)8.38%
Max Revenue beat(2)8.91%
Revenue beat(4)4
Avg Revenue beat(4)14.41%
Min Revenue beat(4)8.38%
Max Revenue beat(4)20.88%
Revenue beat(8)8
Avg Revenue beat(8)18.2%
Revenue beat(12)12
Avg Revenue beat(12)15.34%
Revenue beat(16)16
Avg Revenue beat(16)16.17%
PT rev (1m)-2.5%
PT rev (3m)-1.52%
EPS NQ rev (1m)-19.09%
EPS NQ rev (3m)-24.36%
EPS NY rev (1m)4.77%
EPS NY rev (3m)2.66%
Revenue NQ rev (1m)-11.22%
Revenue NQ rev (3m)-17.39%
Revenue NY rev (1m)3.13%
Revenue NY rev (3m)-2.8%
Valuation
Industry RankSector Rank
PE 8.9
Fwd PE 7.29
P/S 0.67
P/FCF N/A
P/OCF N/A
P/B 0.64
P/tB 0.78
EV/EBITDA 13.64
EPS(TTM)1.45
EY11.24%
EPS(NY)1.77
Fwd EY13.72%
FCF(TTM)-10.81
FCFYN/A
OCF(TTM)-10.66
OCFYN/A
SpS19.18
BVpS20.25
TBVpS16.6
PEG (NY)0.4
PEG (5Y)0.12
Profitability
Industry RankSector Rank
ROA 2.04%
ROE 7.75%
ROCE 4.98%
ROIC 4.05%
ROICexc 4.16%
ROICexgc 9.39%
OM 19.28%
PM (TTM) 8.18%
GM N/A
FCFM N/A
ROA(3y)3.71%
ROA(5y)5.06%
ROE(3y)10.25%
ROE(5y)22.39%
ROIC(3y)5.63%
ROIC(5y)7.12%
ROICexc(3y)5.86%
ROICexc(5y)7.52%
ROICexgc(3y)17.58%
ROICexgc(5y)17.8%
ROCE(3y)6.91%
ROCE(5y)8.74%
ROICexcg growth 3Y-17.01%
ROICexcg growth 5Y22.92%
ROICexc growth 3Y-23.63%
ROICexc growth 5Y15.15%
OM growth 3Y-9.23%
OM growth 5Y26.39%
PM growth 3Y-20.55%
PM growth 5Y71.77%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.25
Health
Industry RankSector Rank
Debt/Equity 2.36
Debt/FCF N/A
Debt/EBITDA 11.09
Cap/Depr 24.8%
Cap/Sales 0.79%
Interest Coverage 5.06
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1.2
Quick Ratio 1.2
Altman-Z 0.9
F-Score5
WACC5.02%
ROIC/WACC0.81
Cap/Depr(3y)21.76%
Cap/Depr(5y)42.92%
Cap/Sales(3y)0.61%
Cap/Sales(5y)0.5%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)83.54%
EPS 3Y-30.29%
EPS 5Y77.01%
EPS Q2Q%60%
EPS Next Y22.05%
EPS Next 2Y17.22%
EPS Next 3Y12.05%
EPS Next 5YN/A
Revenue 1Y (TTM)39.2%
Revenue growth 3Y-11.96%
Revenue growth 5Y3.01%
Sales Q2Q%53.65%
Revenue Next Year26.47%
Revenue Next 2Y22.97%
Revenue Next 3Y17.35%
Revenue Next 5YN/A
EBIT growth 1Y1028.7%
EBIT growth 3Y-20.09%
EBIT growth 5Y30.19%
EBIT Next Year296.37%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-588.04%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-619.18%
OCF growth 3YN/A
OCF growth 5YN/A