Guild Holdings Co

GHLD

Guild Holdings Co

GHLD

Insider Sentiment (TTM):

Last Purchase:2024-06-06Last Sale:2025-06-13Shares Purchased (TTM):0Shares Sold (TTM):0

Institutional Sentiment:

As of:2025-09-30Institutional Shares Owned:6,575,126Shares Outstanding:62,253,000Institutional Ownership Pct.:10.56%

Earnings Market Reaction:

Filing Date:2025-11-06Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31
Nonrelated Party	-	-	-	-	-	-	-	149	25	-6	130	126
Common Class A	0	0	22	0	-0	0	21	0	-0	0	21	0
Common Class B	0	0	40	0	0	0	40	0	0	0	40	0
Related Party	-	-	-	-	-	-	-	149	25	-6	130	126
Assets
Cash And Cash Equivalents At Carrying Value	106	107	112	118	106	102	95	120	114	106	148	138
Restricted Cash	10	7	9	7	6	6	7	7	4	6	6	9
Mortgages Held For Sale Fair Value Disclosure	1,750	1,821	1,359	1,523	1,763	1,729	1,126	901	933	1,126	858	846
Loans Receivable Fair Value Disclosure	558	517	482	452	409	376	348	316	81	37	-	0
Servicing Asset At Fair Value Amount	1,335	1,304	1,312	1,344	1,197	1,293	1,216	1,161	1,258	1,185	1,112	1,140
Property Plant And Equipment Net	22	22	20	19	18	16	14	14	-	-	-	-
Operating Lease Right Of Use Asset	58	60	63	67	68	73	76	65	-	-	-	-
Intangible Assets Net Including Goodwill	219	222	224	226	228	230	233	211	-	-	-	-
Accounts And Notes Receivable Net	-	-	-	-	-	-	-	85	64	65	62	58
Derivative Assets	-	-	-	-	-	-	-	16	24	14	12	3
Other Assets	165	160	135	119	132	133	130	116	166	182	177	186
Assets	5,097	5,034	4,550	4,768	4,644	4,580	3,956	3,677	3,497	3,533	3,182	3,240
Finite Lived Intangible Assets Net	-	-	-	-	-	-	-	25	27	29	31	33
Liabilities And Stockhold…
Goodwill	-	-	-	-	-	-	-	186	186	185	182	177
Short Term Borrowings	1,594	1,670	1,224	1,415	1,649	1,617	1,058	834	839	1,053	762	713
Securities Sold Under Agreements To Repurchase	-	-	-	-	677	575	658	700	-	-	-	650
Notes Payable	339	318	340	300	240	271	185	149	-	-	-	126
Accounts Payable And Accrued Liabilities Current A…	117	104	89	92	90	80	75	63	33	34	37	34
Operating Lease Liability	67	69	73	77	78	83	86	76	80	84	82	86
Deferred Income Tax Liabilities Net	254	241	243	251	221	245	234	225	251	233	220	233
Other Liabilities	155	154	143	136	140	129	119	144	-	-	-	-
Liabilities	3,859	3,815	3,349	3,514	3,487	3,357	2,742	2,493	2,220	2,281	1,968	1,990
Accrued Employee Benefits Current And Noncurrent	-	-	-	-	-	-	-	31	34	34	26	30
Notes Payable Related Parties Current And Noncurre…	-	-	-	-	-	-	-	-	-	-	-	1
Stockholders Equity
Preferred Stock Value	0	0	0	0	0	0	0	0	0	0	0	0
Business Combination Contingent Consideration Liab…	-	-	-	-	-	-	-	9	7	8	2	1
Derivative Liabilities	-	-	-	-	-	-	-	16	0	0	8	5
Additional Paid In Capital Common Stock	55	53	54	52	54	51	49	47	48	45	44	43
Retained Earnings Accumulated Deficit	1,182	1,164	1,146	1,201	1,103	1,170	1,164	1,135	1,228	1,206	1,169	1,206
Deferred Compensation Liability Current And Noncur…	-	-	-	-	-	-	-	99	95	95	93	96
Minority Interest	0	0	0	0	1	1	1	0	0	0	0	0
Stockholders Equity	1,238	1,218	1,200	1,254	1,158	1,222	1,214	1,183	1,277	1,251	1,213	1,249
Liabilities And Stockholders Equity	5,097	5,034	4,550	4,768	4,644	4,580	3,956	3,677	3,497	3,533	3,182	3,240
Preferred Stock Par Or Stated Value Per Share	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Preferred Stock Shares Authorized	50	50	50	50	50	50	50	50	50	50	50	50
Preferred Stock Shares Issued	0	0	0	0	0	0	0	0	0	0	0	0
Preferred Stock Shares Outstanding	0	0	0	0	0	0	0	0	0	0	0	0

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10‑Q10‑K

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Interactive Financial Visualizations

10‑Q10‑K

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2025	0.89%	46.37%	47.04%	0.70%	0.96%	0.75%	-	-	-	-	-	-
2024	4.30%	6.16%	4.37%	-4.84%	4.71%	-10.18%	-6.90%	-3.38%	-11.86%	23.30%	0.85%	-0.62%
2023	4.21%	13.83%	25.15%	1.03%	-9.08%	-11.73%	7.89%	26.25%	27.51%	3.87%	-1.55%	6.06%
2022	-	-	-	-	-	-	24.46%	14.27%	24.69%	-9.19%	-12.46%	-8.13%
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Performance and Valuation Metrics

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Metrics	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31
Leverage & Debt
Interest Coverage TTM	-	-	-	6.20	-4.80	-0.30	-0.39	-1.69	-0.19	0.17	0.92	7.53
Per Share Metrics
Diluted EPS TTM	2.00	0.41	0.72	1.56	-1.53	0.44	0.43	-0.64	0.63	1.01	1.37	5.35
Free Cash Flow Per Share TTM	0.40	-1.07	-3.69	-10.90	-13.86	-10.33	-5.38	-1.59	-0.61	0.18	5.83	20.60
Dividend Per Share TTM	0.75	0.50	1.00	0.50	0.50	1.00	0.50	0.50	0.50	0.00	0.00	0.00
Margin Metrics
Gross Profit Margin TTM	109.63%	111.45%	111.35%	110.46%	114.74%	111.33%	110.59%	112.00%	108.44%	107.30%	106.02%	104.23%
Operating Profit Margin TTM	14.13%	2.47%	4.81%	11.34%	-17.58%	4.48%	5.52%	-7.04%	6.82%	8.57%	11.57%	36.06%
Net Profit Margin TTM	10.86%	2.54%	4.38%	9.23%	-12.78%	3.28%	3.41%	-5.95%	5.33%	8.44%	10.61%	28.21%
Growth Metrics
Net Revenue Growth (1Y)	57.82%	21.42%	29.80%	60.22%	0.23%	13.00%	-0.49%	-43.75%	-46.69%	-51.73%	-48.63%	-26.10%
Net Income Growth (1Y)	-234.15%	-6.25%	66.94%	-348.49%	-340.38%	-56.03%	-68.04%	-111.87%	-89.88%	-83.67%	-74.79%	15.80%
EPS Growth (1Y)	-232.29%	-7.51%	64.78%	-346.73%	-338.68%	-56.30%	-68.15%	-111.87%	-89.89%	-83.64%	-74.72%	14.91%
Calculated Values
Free Cash Flow TTM	24.85M	-66.31M	-228.45M	-668.99M	-851.01M	-633.87M	-328.64M	-97.23M	-37.32M	10.69M	354.76M	1.26B
Net Debt	1.82B	1.87B	1.44B	1.59B	1.78B	1.78B	1.14B	855.17M	721.24M	941.23M	614.28M	692.65M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2025-06-13Sale

Owner: Mcgarry, Strategic Enterp…

Title: -

Shares: 100

Price/Share: $16.24

Value: $1,624.00

Shares Owned: 4,379,615

Relationship: TenPercentOwner

Ownership: Direct

2025-03-31Sale

Owner: Mcgarry, Strategic Enterp…

Title: -

Shares: 102

Price/Share: $16.25

Value: $1,657.50

Shares Owned: 4,379,715

Relationship: TenPercentOwner

Ownership: Direct

2024-12-09Sale

Owner: Bryant, Edward Jr

Title: -

Shares: 4,000

Price/Share: $13.49

Value: $53,960.00

Shares Owned: 23,838

Relationship: Director

Ownership: Direct

2024-06-06Purchase

Owner: Schmidt, Terry Lynn

Title: CEO

Shares: 3,630

Price/Share: $16.12

Value: $58,509.80

Shares Owned: 2,798,606

Relationship: Director,Officer,TenPercentOwner

Ownership: Direct

2024-06-06Purchase

Owner: Marcon, Martha E.

Title: -

Shares: 1,747

Price/Share: $16.12

Value: $28,166.96

Shares Owned: 65,879

Relationship: Director

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2025-06-13	Mcgarry, Strategic Enterp…	TenPercentOwner	-	Direct	Sale	100	16.24	$1,624.00	4,379,615	4
2025-03-31	Mcgarry, Strategic Enterp…	TenPercentOwner	-	Direct	Sale	102	16.25	$1,657.50	4,379,715	4
2024-12-09	Bryant, Edward Jr	Director	-	Direct	Sale	4,000	13.49	$53,960.00	23,838	4
2024-06-06	Schmidt, Terry Lynn	Director,Officer,TenPercentOwner	CEO	Direct	Purchase	3,630	16.12	$58,509.80	2,798,606	4
2024-06-06	Marcon, Martha E.	Director	-	Direct	Purchase	1,747	16.12	$28,166.96	65,879	4
2024-06-06	Bryant, Edward Jr	Director	-	Direct	Purchase	776	16.12	$12,509.44	27,592	4
2024-06-06	Duffy, Patrick Joseph	Director,TenPercentOwner	-	Direct	Purchase	1,985	16.12	$32,003.20	77,334	4
2024-06-06	Meyer, Michael Charles	Director	-	Direct	Purchase	1,436	16.12	$23,156.06	55,546	4
2024-06-06	Mcgarry, Mary Ann	Director,TenPercentOwner	-	Direct	Purchase	4,998	16.12	$80,572.43	372,996	4
2024-06-06	Messinger, Gioia	Director	-	Direct	Purchase	589	16.12	$9,496.61	27,379	4
2024-06-06	Neylan, David Manuel	Officer	President and COO	Direct	Purchase	1,984	16.12	$31,982.89	396,597	4
2024-06-06	Kramer, Desiree Amber	Officer	CFO	Direct	Purchase	1,636	16.12	$26,365.07	260,913	4
2024-05-21	Bryant, Edward Jr	Director	-	Direct	Sale	6,000	14.01	$84,060.00	26,816	4
2024-05-15	Meyer, Michael Charles	Director	-	Direct	Purchase	1,122	15.07	$16,908.54	54,110	4
2023-12-08	Marcon, Martha E.	Director	-	Direct	Sale	930	12.75	$11,857.50	55,406	4
2023-12-07	Bryant, Edward Jr	Director	-	Direct	Sale	2,500	12.37	$30,925.00	25,889	4
2023-06-02	Bryant, Edward Jr	Director	-	Direct	Sale	8,572	10.36	$88,805.92	27,926	4
2022-09-12	Bryant, Edward Jr	Director	-	Direct	Sale	4,000	11.80	$47,200.00	27,881	4
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Institutional Ownership

No data available for chart

2025-09-30

10.56%

Inst. Shares: 6,575,126

Shares Outstanding: 62,253,000

2025-06-30

9.45%

Inst. Shares: 5,874,489

Shares Outstanding: 62,168,000

2025-03-31

9.48%

Inst. Shares: 5,866,095

Shares Outstanding: 61,909,000

2024-12-31

9.52%

Inst. Shares: 5,846,890

Shares Outstanding: 61,402,000

2024-09-30

9.08%

Inst. Shares: 5,574,168

Shares Outstanding: 61,390,000

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2025-09-30	6,575,126	62,253,000	10.56%
2025-06-30	5,874,489	62,168,000	9.45%
2025-03-31	5,866,095	61,909,000	9.48%
2024-12-31	5,846,890	61,402,000	9.52%
2024-09-30	5,574,168	61,390,000	9.08%
2024-06-30	5,478,029	61,337,000	8.93%
2024-03-31	4,671,110	61,109,000	7.64%
2023-12-31	4,595,035	60,967,000	7.54%
2023-09-30	4,592,932	60,956,000	7.53%
2023-06-30	4,772,838	60,962,000	7.83%
2023-03-31	4,451,170	60,900,000	7.31%
2022-12-31	4,380,061	60,981,000	7.18%
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Guild Holdings Co (GHLD) — SEC Financial Statements & Analysis

Guild Holdings Co (GHLD) is a mortgage bankers & loan correspondents company, incorporated in DE. Guild Holdings Co trades on NYSE as: GHLD. Based on its latest SEC filing (Form 10-Q, period ending 2025-09-30), Guild Holdings Co reported a 57.82% year-over-year revenue growth, a Gross Profit Margin of 109.63% (TTM). Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: 57.82%
Gross Profit Margin TTM: 109.63%

Data as of 2025-09-30 · Source: SEC EDGAR

Frequently Asked Questions

What industry is Guild Holdings Co in?

Guild Holdings Co (GHLD) operates in the Mortgage Bankers & Loan Correspondents industry.

What exchange does GHLD trade on?

Guild Holdings Co (GHLD) trades on the NYSE.

Where is Guild Holdings Co incorporated?

Guild Holdings Co is incorporated in DE.