Guild/$GHLD
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About Guild
Guild Holdings Co is a growth-oriented mortgage company. It operates in two segments; The origination segment operates its loan origination business throughout the United States. It is responsible for loan origination, acquisition, and sale activities. This segment is further divided into retail and correspondent channel, and The servicing segment provides a steady stream of cash flow to support the origination segment more importantly it allows for the Company to build long-standing client relationships that drive repeat and referral business back to the origination segment to recapture the client's next mortgage transaction. It is responsible for the servicing activities of all loans in its servicing portfolio. It generates a majority of its revenue from the Origination segment.
Ticker
$GHLD
Sector
Primary listing
NYSE
Employees
5,270
Headquarters
Website
Guild Metrics
BasicAdvanced
$1.2B
47.72
$0.42
0.98
$0.75
3.76%
Price and volume
Market cap
$1.2B
Beta
0.98
52-week high
$23.57
52-week low
$11.99
Average daily volume
31K
Dividend rate
$0.75
Financial strength
Current ratio
31.457
Quick ratio
0.086
Long term debt to equity
272.251
Total debt to equity
272.251
Dividend payout ratio (TTM)
119.90%
Interest coverage (TTM)
1.30%
Profitability
EBITDA (TTM)
164.214
Gross margin (TTM)
100.00%
Net profit margin (TTM)
2.29%
Operating margin (TTM)
13.28%
Effective tax rate (TTM)
-2.97%
Revenue per employee (TTM)
$210,000
Management effectiveness
Return on assets (TTM)
1.94%
Return on equity (TTM)
2.10%
Valuation
Price to earnings (TTM)
47.721
Price to revenue (TTM)
1.094
Price to book
1.02
Price to tangible book (TTM)
-4.03
Price to free cash flow (TTM)
-18.579
Free cash flow yield (TTM)
-5.38%
Free cash flow per share (TTM)
-1.073
Dividend yield (TTM)
3.76%
Growth
Revenue change (TTM)
23.19%
Earnings per share change (TTM)
-5.52%
3-year revenue growth (CAGR)
-10.70%
3-year earnings per share growth (CAGR)
-59.28%
Bulls say / Bears say
Total originations surged 44% quarter-over-quarter to $7.5 billion in Q2 2025, reflecting strong execution of Guild’s retail origination platform despite challenging market conditions (Nasdaq).
The servicing portfolio’s unpaid principal balance grew to $96.3 billion in Q2 2025, providing a steady fee-based revenue stream that underpins the origination business and supports client recapture strategies (TipRanks).
Bayview Asset Management’s agreement to acquire the remaining shares at $20 per share, a 56% premium over pre-offer prices, underscores strong investor confidence in Guild’s long-term value proposition (Reuters).
Gain on sale margins on originations narrowed by 47 basis points to 329 bps in Q2 2025, down from 376 bps in Q1 2025, signaling margin pressure amid competitive market conditions (Guild IR).
The servicing segment incurred a $69.9 million mark-to-market loss on mortgage servicing rights in Q1 2025 versus a $84.3 million gain in Q4 2024, highlighting volatility in fee income driven by interest rate fluctuations (Guild IR).
Guild operates in an industry experiencing consolidation driven by high interest rates and limited loan growth, which could constrain its ability to organically expand origination volumes (Reuters).
Data summarised monthly by Lightyear AI. Last updated on 30 Sept 2025.
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
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Upcoming events
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FAQs
What’s the current market cap for Guild stock?
Guild (GHLD) has a market cap of $1.2B as of October 14, 2025.
What is the P/E ratio for Guild stock?
The price to earnings (P/E) ratio for Guild (GHLD) stock is 47.72 as of October 14, 2025.
Does Guild stock pay dividends?
Yes, the Guild (GHLD) stock pays dividends to shareholders. As of October 14, 2025, the dividend rate is $0.75 and the yield is 3.76%. Guild has a payout ratio of 119.9% on a trailing twelve-month basis.
When is the next Guild dividend payment date?
The next Guild (GHLD) dividend payment date is unconfirmed.
What is the beta indicator for Guild?
Guild (GHLD) has a beta rating of 0.98. This means that it is less volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 0.5 would mean it moves half as much as the market.