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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

12.4  -0.04 (-0.32%)

Fundamental Rating

3

Taking everything into account, GHLD scores 3 out of 10 in our fundamental rating. GHLD was compared to 101 industry peers in the Financial Services industry. GHLD may be in some trouble as it scores bad on both profitability and health. GHLD is not priced too expensively while it is growing strongly. Keep and eye on this one!


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

In the past year GHLD was profitable.
In the past year GHLD has reported a negative cash flow from operations.
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 0 500M 1B

1.2 Ratios

With a Return On Assets value of -2.02%, GHLD is not doing good in the industry: 85.15% of the companies in the same industry are doing better.
The Return On Equity of GHLD (-8.11%) is worse than 80.20% of its industry peers.
Industry RankSector Rank
ROA -2.02%
ROE -8.11%
ROIC N/A
ROA(3y)5.19%
ROA(5y)4.69%
ROE(3y)17.95%
ROE(5y)21.12%
ROIC(3y)N/A
ROIC(5y)N/A
GHLD Yearly ROA, ROE, ROICGHLD Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2018 2019 2020 2021 2022 2023 0 10 20 30 40 50

1.3 Margins

GHLD's Operating Margin has declined in the last couple of years.
The Profit Margin and Operating Margin and Gross Margin are not available for GHLD so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM N/A
OM growth 3Y-56.08%
OM growth 5Y-33.37%
PM growth 3YN/A
PM growth 5YN/A
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 0 10 20 30 40

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1

2. Health

2.1 Basic Checks

GHLD does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, GHLD has more shares outstanding
Compared to 5 years ago, GHLD has more shares outstanding
GHLD has a worse debt/assets ratio than last year.
GHLD Yearly Shares OutstandingGHLD Yearly Shares OutstandingYearly Shares Outstanding 2018 2019 2020 2021 2022 2023 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 1B 2B 3B 4B

2.2 Solvency

GHLD has an Altman-Z score of 0.67. This is a bad value and indicates that GHLD is not financially healthy and even has some risk of bankruptcy.
GHLD has a Altman-Z score (0.67) which is comparable to the rest of the industry.
GHLD has a Debt/Equity ratio of 2.56. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 2.56, GHLD is not doing good in the industry: 69.31% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 2.56
Debt/FCF N/A
Altman-Z 0.67
ROIC/WACCN/A
WACC5.37%
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 0 1B 2B 3B

2.3 Liquidity

GHLD has a Current Ratio of 0.93. This is a bad value and indicates that GHLD is not financially healthy enough and could expect problems in meeting its short term obligations.
The Current ratio of GHLD (0.93) is comparable to the rest of the industry.
A Quick Ratio of 0.93 indicates that GHLD may have some problems paying its short term obligations.
GHLD has a Quick ratio (0.93) which is comparable to the rest of the industry.
Industry RankSector Rank
Current Ratio 0.93
Quick Ratio 0.93
GHLD Yearly Current Assets VS Current LiabilitesGHLD Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2018 2019 2020 2021 2022 2023 100M 200M 300M

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7

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 125.42% over the past year.
The Revenue has grown by 30.69% in the past year. This is a very strong growth!
Measured over the past years, GHLD shows a small growth in Revenue. The Revenue has been growing by 1.70% on average per year.
EPS 1Y (TTM)125.42%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%6.25%
Revenue 1Y (TTM)30.69%
Revenue growth 3Y-24.46%
Revenue growth 5Y1.7%
Sales Q2Q%30.61%

3.2 Future

The Earnings Per Share is expected to grow by 38.63% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 21.45% on average over the next years. This is a very strong growth
EPS Next Y87.73%
EPS Next 2Y46.22%
EPS Next 3Y38.63%
EPS Next 5YN/A
Revenue Next Year25.97%
Revenue Next 2Y24.59%
Revenue Next 3Y21.45%
Revenue Next 5YN/A

3.3 Evolution

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 500M 1B 1.5B
GHLD Yearly EPS VS EstimatesGHLD Yearly EPS VS EstimatesYearly EPS VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 2 4 6 8

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6

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 9.32, which indicates a very decent valuation of GHLD.
Compared to the rest of the industry, the Price/Earnings ratio of GHLD indicates a somewhat cheap valuation: GHLD is cheaper than 72.28% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 29.62, GHLD is valued rather cheaply.
The Price/Forward Earnings ratio is 7.34, which indicates a rather cheap valuation of GHLD.
GHLD's Price/Forward Earnings ratio is rather cheap when compared to the industry. GHLD is cheaper than 83.17% of the companies in the same industry.
GHLD's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.70.
Industry RankSector Rank
PE 9.32
Fwd PE 7.34
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

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
GHLD Per share dataGHLD EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 -10

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.
GHLD's earnings are expected to grow with 38.63% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.11
PEG (5Y)N/A
EPS Next 2Y46.22%
EPS Next 3Y38.63%

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4

5. Dividend

5.1 Amount

GHLD has a Yearly Dividend Yield of 4.05%, which is a nice return.
GHLD's Dividend Yield is rather good when compared to the industry average which is at 3.85. GHLD pays more dividend than 86.14% of the companies in the same industry.
GHLD's Dividend Yield is rather good when compared to the S&P500 average which is at 2.27.
Industry RankSector Rank
Dividend Yield 4.05%

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 0.5 1 1.5

5.3 Sustainability

The earnings of GHLD are negative and hence is the payout ratio. GHLD will probably not be able to sustain this dividend level.
DP-32.7%
EPS Next 2Y46.22%
EPS Next 3Y38.63%
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 0 500M 1B

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GUILD HOLDINGS CO - CLASS A

NYSE:GHLD (2/24/2025, 2:30:17 PM)

12.4

-0.04 (-0.32%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-06 2024-11-06/amc
Earnings (Next)03-06 2025-03-06/amc
Inst Owners27.19%
Inst Owner Change-97.43%
Ins Owners31.78%
Ins Owner Change-0.78%
Market Cap767.44M
Analysts80
Price Target17 (37.1%)
Short Float %0.12%
Short Ratio1.34
Dividend
Industry RankSector Rank
Dividend Yield 4.05%
Yearly Dividend0.5
Dividend Growth(5Y)N/A
DP-32.7%
Div Incr Years0
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)37.44%
Min EPS beat(2)-0.44%
Max EPS beat(2)75.33%
EPS beat(4)2
Avg EPS beat(4)20.34%
Min EPS beat(4)-38.13%
Max EPS beat(4)75.33%
EPS beat(8)4
Avg EPS beat(8)7.57%
EPS beat(12)6
Avg EPS beat(12)7.23%
EPS beat(16)9
Avg EPS beat(16)15.29%
Revenue beat(2)2
Avg Revenue beat(2)13.92%
Min Revenue beat(2)8.38%
Max Revenue beat(2)19.46%
Revenue beat(4)4
Avg Revenue beat(4)16.43%
Min Revenue beat(4)8.38%
Max Revenue beat(4)20.88%
Revenue beat(8)8
Avg Revenue beat(8)18.59%
Revenue beat(12)12
Avg Revenue beat(12)14.66%
Revenue beat(16)16
Avg Revenue beat(16)16.45%
PT rev (1m)1.01%
PT rev (3m)-5.44%
EPS NQ rev (1m)-2.7%
EPS NQ rev (3m)-18.99%
EPS NY rev (1m)-2.28%
EPS NY rev (3m)-7.27%
Revenue NQ rev (1m)2.14%
Revenue NQ rev (3m)-4.39%
Revenue NY rev (1m)-0.25%
Revenue NY rev (3m)-8.59%
Valuation
Industry RankSector Rank
PE 9.32
Fwd PE 7.34
P/S 0.71
P/FCF N/A
P/OCF N/A
P/B 0.66
P/tB 0.83
EV/EBITDA N/A
EPS(TTM)1.33
EY10.73%
EPS(NY)1.69
Fwd EY13.62%
FCF(TTM)-13.75
FCFYN/A
OCF(TTM)-13.62
OCFYN/A
SpS17.39
BVpS18.7
TBVpS15.01
PEG (NY)0.11
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -2.02%
ROE -8.11%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM N/A
ROA(3y)5.19%
ROA(5y)4.69%
ROE(3y)17.95%
ROE(5y)21.12%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)8.85%
ROCE(5y)8.23%
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y-56.08%
OM growth 5Y-33.37%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score1
Asset Turnover0.23
Health
Industry RankSector Rank
Debt/Equity 2.56
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 55.39%
Cap/Sales 0.77%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.93
Quick Ratio 0.93
Altman-Z 0.67
F-Score1
WACC5.37%
ROIC/WACCN/A
Cap/Depr(3y)34.32%
Cap/Depr(5y)52.6%
Cap/Sales(3y)0.43%
Cap/Sales(5y)0.42%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)125.42%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%6.25%
EPS Next Y87.73%
EPS Next 2Y46.22%
EPS Next 3Y38.63%
EPS Next 5YN/A
Revenue 1Y (TTM)30.69%
Revenue growth 3Y-24.46%
Revenue growth 5Y1.7%
Sales Q2Q%30.61%
Revenue Next Year25.97%
Revenue Next 2Y24.59%
Revenue Next 3Y21.45%
Revenue Next 5YN/A
EBIT growth 1Y-129.66%
EBIT growth 3Y-66.83%
EBIT growth 5Y-32.24%
EBIT Next Year102.74%
EBIT Next 3Y26.9%
EBIT Next 5YN/A
FCF growth 1Y-178.22%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-177.15%
OCF growth 3YN/A
OCF growth 5YN/A