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 investment appeal. 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 ratio of 3.24. In comparison, peers such as Velocity Financial, Inc. have a P/E of 9.22, while Regional Management Corp. stands at 17.39, highlighting Guild's relative attractiveness in the market.
Despite a recent dip in stock performance against the S&P 500 over the past week and month, Guild Holdings Co. has significantly outperformed the index year-to-date with a return of 40.89% compared to the S&P 500's 16.30%. This strong performance over multiple periods reinforces the notion that the stock is undervalued relative to its peers and the broader market.