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.