Guild Holdings Co. (GHLD) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

MarketsMojo — Loved in India, Now Global

The power of Mojo is now in 29 countries. Explore global equities with the same cutting-edge features you love.Unlock 29 Markets

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Velocity Financial, Inc.

Regional Management Corp.

Guild Holdings Co.

Waterstone Financial, Inc.

NewtekOne, Inc.

Atlanticus Holdings Corp.

Oportun Financial Corp.

Greystone Housing Impact Investors LP

Willis Lease Finance Corp.

AFC Gamma, Inc.

TROOPS, Inc.

Why is Guild Holdings Co. ?

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

Positive results in Jun 25

RAW MATERIAL COST(Y) Fallen by -0.6% (YoY)
DEBTORS TURNOVER RATIO(HY) Highest at 19.52 times
NET SALES(Q) Highest at USD 296.53 MM

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

Over the past year, while the stock has generated a return of 46.49%, its profits have risen by 93.9% ; the PEG ratio of the company is 0.2

Market Beating Performance

The stock has generated a return of 46.49% in the last 1 year, much higher than market (S&P 500) returns of 14.11%

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to Guild Holdings Co. should be less than 10%
Overall Portfolio exposure to Finance should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Finance)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is Guild Holdings Co. for you?

High Risk, High Return

Absolute

Risk Adjusted

Volatility

Guild Holdings Co.

-100.0%

0.78

48.63%

S&P 500

15.4%

0.70

20.15%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

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

29.68%

ROCE (avg)

24.28%

ROE (avg)

10.05%

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

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

Technical 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

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

12What is working for the Company

RAW MATERIAL COST(Y)

Fallen by -0.6% (YoY

DEBTORS TURNOVER RATIO(HY)

Highest at 19.52 times

NET SALES(Q)

Highest at USD 296.53 MM

PRE-TAX PROFIT(Q)

At USD 23.72 MM has Grown at 52.38%

NET PROFIT(Q)

At USD 21.55 MM has Grown at 50.3%

-14What is not working for the Company

NET PROFIT(HY)

At USD 2.03 MM has Grown at -97.18%

OPERATING CASH FLOW(Y)

Lowest at USD -632.54 MM

DEBT-EQUITY RATIO (HY)

Highest at 262.95 %

INTEREST(Q)

At USD 28.96 MM has Grown at 31.18%

INVENTORY TURNOVER RATIO(HY)

Lowest at 0 times

Here's what is working for Guild Holdings Co.

Net Sales

Highest at USD 296.53 MM

in the last five periods

MOJO Watch

Near term sales trend is positive

Net Sales (USD MM)

Pre-Tax Profit

At USD 23.72 MM has Grown at 52.38%

over average net sales of the previous four periods of USD 15.57 MM

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Net Profit

At USD 21.55 MM has Grown at 50.3%

over average net sales of the previous four periods of USD 14.34 MM

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

Debtors Turnover Ratio

Highest at 19.52 times

in the last five Semi-Annual periods

MOJO Watch

Company has been able to sell its Debtors faster

Debtors Turnover Ratio

Raw Material Cost

Fallen by -0.6% (YoY)

MOJO Watch

The company's ability to pass on the cost of raw materials to customers has improved; this may lead to a rise in profit margin

Raw Material Cost as a percentage of Sales

Here's what is not working for Guild Holdings Co.

Operating Cash Flow

Lowest at USD -632.54 MM and Fallen

In each year in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)

Interest

At USD 28.96 MM has Grown at 31.18%

period on period (QoQ)

MOJO Watch

Rising interest cost signifies increased borrowings

Interest Paid (USD MM)

Debt-Equity Ratio

Highest at 262.95 % and Grown

In each half year in the last five Semi-Annual periods

MOJO Watch

The company is borrowing more to fund its operations; it's liquidity situation may be stressed

Debt-Equity Ratio

Inventory Turnover Ratio

Lowest at 0 times

in the last five Semi-Annual periods

MOJO Watch

Company's pace of selling inventory has slowed

Inventory Turnover Ratio