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Upturn AI SWOT - About
GHLD 
Guild Holdings Co (GHLD)
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Upturn Advisory Summary
10/15/2025: GHLD (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
7 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $20
1 Year Target Price $20
| 3 | Strong Buy |
| 1 | Buy |
| 2 | Hold |
| 1 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 2.03% | Avg. Invested days 53 | Today’s Advisory WEAK BUY |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/15/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.24B USD | Price to earnings Ratio 47.29 | 1Y Target Price 20 |
Price to earnings Ratio 47.29 | 1Y Target Price 20 | ||
Volume (30-day avg) 7 | Beta 0.98 | 52 Weeks Range 10.65 - 23.28 | Updated Date 10/17/2025 |
52 Weeks Range 10.65 - 23.28 | Updated Date 10/17/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.42 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 2.29% | Operating Margin (TTM) 18.14% |
Management Effectiveness
Return on Assets (TTM) 1.96% | Return on Equity (TTM) 2.1% |
Valuation
Trailing PE 47.29 | Forward PE 8.67 | Enterprise Value 4416522752 | Price to Sales(TTM) 1.1 |
Enterprise Value 4416522752 | Price to Sales(TTM) 1.1 | ||
Enterprise Value to Revenue 1.32 | Enterprise Value to EBITDA - | Shares Outstanding 21920361 | Shares Floating 10350835 |
Shares Outstanding 21920361 | Shares Floating 10350835 | ||
Percent Insiders 53.82 | Percent Institutions 28.7 |
Upturn AI SWOT
Guild Holdings Co
Company Overview
History and Background
Guild Holdings Co. was founded in 1960 by Martin Gleich. It has grown from a single retail branch to a large independent mortgage lender and servicer. Guild went public in October 2020.
Core Business Areas
- Mortgage Lending: Originates and sells residential mortgage loans, primarily in the purchase market. Focuses on government-insured loans (FHA, VA, USDA) and conventional loans.
- Loan Servicing: Services mortgage loans, generating recurring revenue from servicing fees, ancillary income, and interest income. Manages loan portfolios for investors and its own balance sheet.
Leadership and Structure
Terry A. Bryce is the Chief Executive Officer. The organizational structure includes departments for loan origination, servicing, capital markets, and corporate functions.
Top Products and Market Share
Key Offerings
- FHA Loans: Federal Housing Administration loans are popular among first-time homebuyers and those with lower credit scores. Guild is a significant originator of FHA loans. Market share data is difficult to pinpoint exactly, but Guild is a top FHA lender. Competitors: Rocket Mortgage (RKT), United Wholesale Mortgage (UWMC).
- VA Loans: Department of Veterans Affairs loans are available to eligible veterans, offering benefits such as no down payment. Guild is an active VA lender. Market share data varies. Competitors: PennyMac Financial Services (PFSI), loanDepot (LDI).
- Conventional Loans: Mortgages that are not backed by a government agency. Competitors: Wells Fargo (WFC) (though they are reducing this market), Bank of America (BAC).
Market Dynamics
Industry Overview
The mortgage industry is cyclical and influenced by interest rates, economic conditions, and government policies. The market is competitive, with banks, credit unions, and independent mortgage lenders vying for market share.
Positioning
Guild is a large independent mortgage lender with a strong focus on purchase mortgages and government-insured loans. Its competitive advantage lies in its extensive retail network and experienced loan officers.
Total Addressable Market (TAM)
The U.S. mortgage market is worth trillions of dollars annually. Guild's positioning allows it to capture a portion of this TAM, particularly in the purchase and government-insured segments.
Upturn SWOT Analysis
Strengths
- Strong Retail Network
- Experienced Loan Officers
- Focus on Purchase Market
- Expertise in Government-Insured Loans
Weaknesses
- Sensitivity to Interest Rate Changes
- Dependence on Mortgage Volume
- High competition
- Substantial Reliance on Correspondent and Wholesale Channels
Opportunities
- Expanding into New Geographic Markets
- Increasing Market Share in Existing Markets
- Diversifying Product Offerings (e.g., home equity loans)
- Leveraging Technology to Improve Efficiency
Threats
- Rising Interest Rates
- Economic Downturn
- Increased Competition
- Regulatory Changes
Competitors and Market Share
Key Competitors
- RKT
- UWMC
- PFSI
- LDI
Competitive Landscape
Guild faces stiff competition from larger, better-capitalized lenders. Its advantages include its retail network and focus on purchase mortgages. Disadvantages include sensitivity to interest rate fluctuations and competition from other large lenders with more capital.
Major Acquisitions
Residential Mortgage, Inc.
- Year: 2021
- Acquisition Price (USD millions): 22.5
- Strategic Rationale: Expanded Guild's presence in the Pacific Northwest and added experienced loan officers.
Growth Trajectory and Initiatives
Historical Growth: Guild's growth has been tied to the overall mortgage market and its ability to expand its retail network and loan origination volume.
Future Projections: Future growth depends on factors like interest rate environment, housing market conditions, and Guild's ability to execute its strategic initiatives. Analyst estimates vary.
Recent Initiatives: Recent initiatives may include expanding into new markets, launching new loan products, and investing in technology.
Summary
Guild Holdings is a mid-sized mortgage lender specializing in purchase loans. Its retail network is a strength, but the company is vulnerable to interest rate volatility. While it focuses on government-backed loans, increased competition and economic uncertainties pose risks. Expansion efforts and technology investments are critical for future growth and stability.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings
- Industry Reports
- Analyst Estimates
Disclaimers:
This analysis is for informational purposes only and should not be considered investment advice. Financial data is based on available information and may be subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Guild Holdings Co
Exchange NYSE | Headquaters San Diego, CA, United States | ||
IPO Launch date 2020-10-22 | CEO & Director Ms. Terry Lynn Schmidt CPA | ||
Sector Financial Services | Industry Mortgage Finance | Full time employees 5270 | Website https://www.guildmortgage.com |
Full time employees 5270 | Website https://www.guildmortgage.com | ||
Guild Holdings Company, through its subsidiary, originates, sells, and services residential mortgage loans in the United States. The company operates in two segments, Origination and Servicing. It is involved in loan origination, and acquisition and sale activities; servicing activities, including collection and remittance of loan payments, managing borrower's impound accounts for taxes and insurance, loan payoffs, loss mitigation, and foreclosure activities. Guild Holdings Company was founded in 1960 and is headquartered in San Diego, California.
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