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Guild Holdings Co (GHLD)

Upturn stock ratingUpturn stock rating
$20.08
Last Close (24-hour delay)
Profit since last BUY35.95%
upturn advisory
Consider higher Upturn Star rating
BUY since 49 days
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
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Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
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Upturn Advisory Summary

08/14/2025: GHLD (1-star) has a low Upturn Star Rating. Not recommended to BUY.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

7 Analysts rated it

Limited analyst coverage, niche firm, research info may be scarce.

1 Year Target Price $19.5

1 Year Target Price $19.5

Analysts Price Target For last 52 week
$19.5 Target price
52w Low $10.78
Current$20.08
52w High $23.57

Analysis of Past Performance

Type Stock
Historic Profit 1.98%
Avg. Invested days 46
Today’s Advisory Consider higher Upturn Star rating
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 2.0
Stock Returns Performance Upturn Returns Performance 1.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 08/14/2025

Key Highlights

Company Size Small-Cap Stock
Market Capitalization 1.25B USD
Price to earnings Ratio 47.81
1Y Target Price 19.5
Price to earnings Ratio 47.81
1Y Target Price 19.5
Volume (30-day avg) 7
Beta 0.98
52 Weeks Range 10.78 - 23.57
Updated Date 08/15/2025
52 Weeks Range 10.78 - 23.57
Updated Date 08/15/2025
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 2025-08-07
When -
Estimate 0.43
Actual 0.66

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 47.81
Forward PE 11.81
Enterprise Value 4430217728
Price to Sales(TTM) 1.11
Enterprise Value 4430217728
Price to Sales(TTM) 1.11
Enterprise Value to Revenue 1.33
Enterprise Value to EBITDA -
Shares Outstanding 21903400
Shares Floating 10409349
Shares Outstanding 21903400
Shares Floating 10409349
Percent Insiders 53.79
Percent Institutions 27.59

ai summary icon Upturn AI SWOT

Guild Holdings Co

stock logo

Company Overview

overview logo History and Background

Guild Holdings Co. was founded in 1960 as a mortgage lender. Over the years, it has grown through acquisitions and organic expansion, becoming a significant player in the residential mortgage industry. Guild focuses on purchase loans and offers a range of loan products.

business area logo Core Business Areas

  • Mortgage Origination: Origination of residential mortgage loans for purchase and refinance, primarily through retail channels.
  • Mortgage Servicing: Servicing of mortgage loans, including collecting payments, managing escrow accounts, and handling defaults.

leadership logo Leadership and Structure

Terry Schmidt is the CEO. The company operates with a typical corporate structure, including executive leadership, functional departments (finance, marketing, operations), and regional sales teams.

Top Products and Market Share

overview logo Key Offerings

  • Purchase Loans: Mortgages for home buyers. Guild focuses on the purchase market. Competitors include Rocket Mortgage (RKT), United Wholesale Mortgage (UWMC), and various regional and local lenders. Market share data specifically for Guild on purchase loans is difficult to pinpoint and would require subscription to a financial data provider.
  • Refinance Loans: Mortgages used to refinance existing loans. Revenue from refinance loans varies significantly with interest rate environment. Competitors include Rocket Mortgage (RKT), United Wholesale Mortgage (UWMC), and various regional and local lenders. Market share data specifically for Guild on refinance loans is difficult to pinpoint and would require subscription to a financial data provider.

Market Dynamics

industry overview logo Industry Overview

The mortgage industry is cyclical and highly sensitive to interest rates. Factors like inflation, economic growth, and housing supply impact mortgage demand. The industry is becoming increasingly digitized.

Positioning

Guild positions itself as a purchase-focused lender with a strong retail presence. Its competitive advantages include strong customer relationships and a diverse product portfolio.

Total Addressable Market (TAM)

The U.S. mortgage market is estimated to be trillions of dollars annually. Guild captures a small percentage of this TAM. Guild is positioned as a regional lender, and can scale with digital transformation and improved mortgage operations efficiency.

Upturn SWOT Analysis

Strengths

  • Strong retail presence
  • Purchase-focused strategy
  • Diverse product portfolio
  • Strong relationships with real estate agents

Weaknesses

  • Sensitivity to interest rate fluctuations
  • Reliance on retail channel
  • Geographic concentration
  • Smaller size compared to larger national lenders

Opportunities

  • Expansion into new geographic markets
  • Increased adoption of digital mortgage technology
  • Growth in the purchase market
  • Strategic acquisitions

Threats

  • Rising interest rates
  • Increased competition from larger lenders
  • Economic downturn
  • Regulatory changes

Competitors and Market Share

competitor logo Key Competitors

  • RKT
  • UWMC
  • LDI

Competitive Landscape

Guild faces stiff competition from larger, better-capitalized lenders. Its strength lies in its retail network and customer relationships.

Major Acquisitions

Residential Mortgage Inc.

  • Year: 2023
  • Acquisition Price (USD millions): 20
  • Strategic Rationale: Expand into new geographic markets and add additional loan officers.

Growth Trajectory and Initiatives

Historical Growth: Guild's growth has been driven by organic expansion and acquisitions.

Future Projections: Future growth depends on market conditions, interest rates, and Guild's ability to execute its strategy. Analyst estimates vary.

Recent Initiatives: Recent initiatives include investments in technology and expansion into new markets.

Summary

Guild Holdings is a regional mortgage lender focused on the purchase market. The company's strength lies in its retail network and customer relationships, but faces challenges from interest rate fluctuations and larger competitors. Guild can benefit from expansion and technology investments. Keeping a close watch on interest rates is essential for Guild's long term prospects.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • Company filings (SEC)
  • Industry reports
  • Financial news sources

Disclaimers:

This analysis is based on publicly available information and is not financial advice. Market share values are approximate and subject to change.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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
Full time employees 5270

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.