Guild Holdings Co. (GHLD) Stock Analysis | Price, Returns, Financials & Key Metrics

Price Point

High/Low

1Day

52 Week

Valuation

Technical

Day's Volume

CASH

151.49 k

Shareholding (Mar 2025)

FII

0.25%

Held by 4 FIIs

DII

94.65%

Held by 6 DIIs

Promoter

0.00%

How big is Guild Holdings Co.?

22-Jun-2025

As of Jun 18, Guild Holdings Co. has a market capitalization of 977.94 million, with net sales of 1,084.35 million and a net profit of 44.57 million over the latest four quarters.

What does Guild Holdings Co. do?

22-Jun-2025

Guild Holdings Co. is a micro-cap mortgage company that originates, sells, and services residential mortgage loans. As of March 2025, it reported net sales of $253 million and a net profit loss of $24 million.

Is Guild Holdings Co. technically bullish or bearish?

20-Sep-2025

As of September 11, 2025, Guild Holdings Co. has a bullish technical trend, supported by daily moving averages and monthly Bollinger Bands, despite mixed signals from weekly indicators, and it has outperformed the S&P 500 year-to-date and over the past three years.

Is Guild Holdings Co. overvalued or undervalued?

05-Nov-2025

As of October 31, 2025, Guild Holdings Co. is considered an attractive investment due to its favorable valuation metrics and strong performance, with a P/E ratio of 15, a Price to Book Value of 0.73, and a year-to-date return of 40.89%, significantly outperforming the S&P 500.

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

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Dashboard

Strong Long Term Fundamental Strength with an average Return on Equity (ROE) of 10.05%

Positive results in Jun 25

With ROE of 4.78%, it has a attractive valuation with a 0.73 Price to Book Value

Market Beating Performance

Mojo Parameters

Stock DNA

Industry

Finance

Market cap

USD 1,241 Million (Micro Cap)

P/E

15.00

Industry P/E

Dividend Yield

1.30%

Debt Equity

-999,999.00

Return on Equity

2.99%

Price to Book

1.02

Revenue and Profits:

Net Sales:

297 Million

(Quarterly Results - Jun 2025)

Net Profit:

19 Million

Total Returns

Total Returns (Price + Dividend)

TimePeriod

Price Return

Dividend Return

Total Return

3 Months

0.2%

6 Months

55.84%

1 Year

46.49%

2 Years

57.19%

3 Years

81.91%

4 Years

45.42%

5 Years

38.96%

Guild Holdings Co. for the last several years.

Risk Adjusted Returns v/s

News & Corporate Actions

News

Is Guild Holdings Co. overvalued or undervalued?

As of 31 October 2025, the valuation grade for Guild Holdings Co. moved from fair to attractive, indicating a positive shift in its market perception. The company appears undervalued, supported by a P/E ratio of 15, a Price to Book Value of 0.73, and an EV to EBITDA of 3.24, which are all favorable compared to its peers. For instance, Velocity Financial, Inc. has a significantly higher P/E of 9.22, while Regional Management Corp. shows an EV to EBITDA of 1.30, suggesting Guild Holdings Co. is positioned well within its industry. In terms of performance, Guild Holdings Co. has outperformed the S&P 500 with a year-to-date return of 40.89% compared to the index's 16.30%, and a one-year return of 42.0% versus 19.89% for the S&P 500. This strong performance reinforces the notion that the stock is undervalued relative to its growth potential and market performance....

Is Guild Holdings Co. overvalued or undervalued?

As of 31 October 2025, the valuation grade for Guild Holdings Co. moved from fair to attractive, indicating a more favorable assessment of its stock. The company appears undervalued based on its key ratios, including a P/E ratio of 15, a Price to Book Value of 0.73, and an EV to EBITDA of 3.24. In comparison to peers, Velocity Financial, Inc. has a P/E of 9.22, while Regional Management Corp. shows a P/E of 17.39, suggesting that Guild Holdings Co. is positioned favorably within its industry. Despite the lack of recent return data, the company's valuation metrics indicate a solid investment opportunity. The PEG ratio of 0.18 further emphasizes its potential for growth relative to its price, reinforcing the notion that Guild Holdings Co. is undervalued in the current market context....

Is Guild Holdings Co. overvalued or undervalued?

As of 31 October 2025, the valuation grade for Guild Holdings Co. has moved from fair to attractive, indicating a positive shift in its perceived value. The company appears to be undervalued based on its current metrics. Key valuation ratios include a P/E ratio of 15, a Price to Book Value of 0.73, and an EV to EBITDA of 3.24, all of which suggest that the stock is trading at a discount compared to its peers. In comparison to its industry, Guild Holdings Co. has a higher P/E ratio than Velocity Financial, Inc. at 9.22 and Regional Management Corp. at 17.39, but lower than the high of 34.06 for its own valuation. The PEG ratio of 0.18 further supports the notion of undervaluation, indicating strong growth potential relative to its price. Notably, Guild Holdings Co. has outperformed the S&P 500 with a year-to-date return of 40.89% compared to the index's 16.30%, reinforcing the attractiveness of the stock....

No announcement available

Corporate Actions

No corporate action available

Key Factors

Quality key factors

Factor

Value

Sales Growth (5y)

-10.84%

EBIT Growth (5y)

-28.27%

EBIT to Interest (avg)

3.62

Debt to EBITDA (avg)

Negative Net Debt

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

8.83%

Dividend Payout Ratio

31.97%

Pledged Shares

Institutional Holding

27.64%

ROCE (avg)

24.28%

ROE (avg)

10.05%

Valuation key factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

0.73

EV to EBIT

3.85

EV to EBITDA

3.24

EV to Capital Employed

0.70

EV to Sales

0.70

PEG Ratio

0.18

Dividend Yield

1.22%

ROCE (Latest)

18.28%

ROE (Latest)

4.78%

Technicals key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Sideways

Mildly Bullish

Moving Averages

Mildly Bullish (Daily)

KST

Mildly Bearish

Bullish

Dow Theory

No Trend

OBV

No Trend

Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Shareholding

Shareholding Snapshot : Mar 2025

Shareholding Compare (%holding)

Majority shareholders

Domestic Funds

Held in 6 Schemes (5.1%)

Foreign Institutions

Held by 4 Foreign Institutions (0.25%)

Strategic Entities with highest holding

Highest Public shareholder

Financial

[
  {
    "link": "quarterly",
    "btn_text": "All Quarterly Results",
    "header": "Quarterly Results Snapshot (Consolidated) - Jun'25 - QoQ",
    "rhs": [
      {
        "prefix": "Net Sales ",
        "suffix": "QoQ Growth in quarter ended Jun 2025 is 17.43% vs -8.65% in Mar 2025",
        "dir": 1
      },
      {
        "prefix": "Consolidated Net Profit ",
        "suffix": "QoQ Growth in quarter ended Jun 2025 is 177.92% vs -124.51% in Mar 2025",
        "dir": 1
      }
    ],
    "table": {
      "header": [
        "Jun'25",
        "Mar'25",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Net Sales",
          "val1": "296.50",
          "val2": "252.50",
          "chgp": "17.43%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "72.40",
          "val2": "9.00",
          "chgp": "704.44%",
          "chgp_class": "positive"
        },
        {
          "field": "Interest",
          "val1": "29.00",
          "val2": "22.10",
          "chgp": "31.22%",
          "chgp_class": "negative"
        },
        {
          "field": "Exceptional Items",
          "val1": "-3.20",
          "val2": "-4.40",
          "chgp": "27.27%",
          "chgp_class": "positive"
        },
        {
          "field": "Consolidate Net Profit",
          "val1": "18.70",
          "val2": "-24.00",
          "chgp": "177.92%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "177.70%",
          "val2": "-20.50%",
          "chgp": "19.82%",
          "chgp_class": "positive"
        }
      ]
    }
  },
  {
    "link": "annual",
    "btn_text": "All Annual Results",
    "header": "Annual Results Snapshot (Consolidated) - Dec'24",
    "rhs": [
      {
        "prefix": "Net Sales ",
        "suffix": "YoY Growth in year ended Dec 2024 is 39.33% vs -14.59% in Dec 2023",
        "dir": 1
      },
      {
        "prefix": "Consolidated Net Profit ",
        "suffix": "YoY Growth in year ended Dec 2024 is 347.83% vs -111.90% in Dec 2023",
        "dir": 1
      }
    ],
    "table": {
      "header": [
        "Dec'24",
        "Dec'23",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Net Sales",
          "val1": "1,000.50",
          "val2": "718.10",
          "chgp": "39.33%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "292.40",
          "val2": "68.20",
          "chgp": "328.74%",
          "chgp_class": "positive"
        },
        {
          "field": "Interest",
          "val1": "109.80",
          "val2": "66.40",
          "chgp": "65.36%",
          "chgp_class": "negative"
        },
        {
          "field": "Exceptional Items",
          "val1": "-10.50",
          "val2": "-3.30",
          "chgp": "-218.18%",
          "chgp_class": "negative"
        },
        {
          "field": "Consolidate Net Profit",
          "val1": "96.90",
          "val2": "-39.10",
          "chgp": "347.83%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "239.30%",
          "val2": "32.70%",
          "chgp": "20.66%",
          "chgp_class": "positive"
        }
      ]
    }
  }
]

Quarterly Results Snapshot (Consolidated) - Jun'25 - QoQ

Jun'25

Mar'25

Change(%)

Net Sales

296.50

252.50

17.43%

Operating Profit (PBDIT) excl Other Income

72.40

9.00

704.44%

Interest

29.00

22.10

31.22%

Exceptional Items

-3.20

-4.40

27.27%

Consolidate Net Profit

18.70

-24.00

177.92%

Operating Profit Margin (Excl OI)

177.70%

-20.50%

19.82%

USD in Million.

Compare with Peers

Net Sales

QoQ Growth in quarter ended Jun 2025 is 17.43% vs -8.65% in Mar 2025

Consolidated Net Profit

QoQ Growth in quarter ended Jun 2025 is 177.92% vs -124.51% in Mar 2025

All Quarterly Results

Annual Results Snapshot (Consolidated) - Dec'24

Dec'24

Dec'23

Change(%)

Net Sales

1,000.50

718.10

39.33%

Operating Profit (PBDIT) excl Other Income

292.40

68.20

328.74%

Interest

109.80

66.40

65.36%

Exceptional Items

-10.50

-3.30

-218.18%

Consolidate Net Profit

96.90

-39.10

347.83%

Operating Profit Margin (Excl OI)

239.30%

32.70%

20.66%

USD in Million.

Compare with Peers

Net Sales

YoY Growth in year ended Dec 2024 is 39.33% vs -14.59% in Dec 2023

Consolidated Net Profit

YoY Growth in year ended Dec 2024 is 347.83% vs -111.90% in Dec 2023

All Annual Results

Company CV

About Guild Holdings Co.

Guild Holdings Co.

Finance

Guild Holdings Company is a mortgage company that originates, sells, and services residential mortgage loans. The Company operates through two segments: Loan Origination and Servicing. The Company operates its loan origination business in approximately forty-eight states. The Originations segment is primarily responsible for loan origination, acquisition and sale activities. The Company services loans out of its corporate office in San Diego, California. The servicing segment provides a stream of cash flow to support the origination segment. The servicing segment is primarily responsible for the servicing activities of all loans in the Company’s servicing portfolio which includes collection and remittance of loan payments, managing borrower’s impound accounts for taxes and insurance, loan payoffs, loss mitigation and foreclosure activities.

Company Coordinates

Company Details

5887 Copley Drive , SAN DIEGO CA : 92111

Tel: 1 858 5606330

Registrar Details

Guild Holdings Co.

1Day

52 Week

CASH

FII

DII

Promoter

How big is Guild Holdings Co.?

Watch in Real-Time

What does Guild Holdings Co. do?

Is Guild Holdings Co. technically bullish or bearish?

Is Guild Holdings Co. overvalued or undervalued?

MarketsMojo — Loved in India, Now Global

Dashboard

Strong Long Term Fundamental Strength with an average Return on Equity (ROE) of 10.05%

Positive results in Jun 25

With ROE of 4.78%, it has a attractive valuation with a 0.73 Price to Book Value

Market Beating Performance

Mojo Parameters

Stock DNA

Total Returns (Price + Dividend)

Risk Adjusted Returns v/s

News

Is Guild Holdings Co. overvalued or undervalued?

Is Guild Holdings Co. overvalued or undervalued?

Is Guild Holdings Co. overvalued or undervalued?

Announcements

Corporate Actions

Quality key factors

Valuation key factors

Technicals key factors

Shareholding Snapshot : Mar 2025

Shareholding Compare (%holding)

Quarterly Results Snapshot (Consolidated) - Jun'25 - QoQ

Annual Results Snapshot (Consolidated) - Dec'24

About Guild Holdings Co.

Company Coordinates