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Guild Holdings Co (GHLD)



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Upturn Advisory Summary
08/14/2025: GHLD (1-star) has a low Upturn Star Rating. Not recommended to BUY.
1 Year Target Price $19.5
1 Year Target Price $19.5
3 | Strong Buy |
1 | Buy |
2 | Hold |
1 | Sell |
0 | Strong Sell |
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 Advisory Performance ![]() | Stock Returns Performance ![]() |
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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 |
Upturn AI SWOT
Guild Holdings Co

Company Overview
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.
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 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
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
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
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.
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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