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.