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
47.67
$0.42
0.98
$0.50
2.51%
Price and volume
Market cap
$1.2B
Beta
0.98
52-week high
$23.57
52-week low
$11.99
Average daily volume
80K
Dividend rate
$0.50
Financial strength
Current ratio
31.457
Quick ratio
1.034
Long term debt to equity
150.799
Total debt to equity
272.251
Dividend payout ratio (TTM)
119.90%
Interest coverage (TTM)
1.29%
Profitability
EBITDA (TTM)
165.23
Gross margin (TTM)
100.00%
Net profit margin (TTM)
2.29%
Operating margin (TTM)
13.37%
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)
47.673
Price to revenue (TTM)
1.093
Price to book
1.02
Price to tangible book (TTM)
-4.03
Price to free cash flow (TTM)
-18.56
Free cash flow yield (TTM)
-5.39%
Free cash flow per share (TTM)
-1.073
Dividend yield (TTM)
2.51%
Growth
Revenue change (TTM)
23.19%
Earnings per share change (TTM)
-5.58%
3-year revenue growth (CAGR)
-10.70%
3-year earnings per share growth (CAGR)
-59.28%
Bulls say / Bears say
Bayview Asset Management’s purchase of all remaining Guild shares at $20 per share amounts to a 56% premium over pre-announcement prices, providing immediate value to shareholders. (Reuters)
The partnership with Bayview’s Lakeview Loan Servicing affiliate will strengthen Guild’s origination platform and is expected to unlock further mortgage origination opportunities after the deal closes. (Reuters)
Analysts expect that mortgage servicers such as Guild will benefit from future interest rate declines, which should increase refinancing activity and boost servicing fee income. (Reuters)
Guild shares are trading at $19.77 after the announcement, reflecting that the stock is priced close to the $20 acquisition offer, leaving limited room for upside until the deal closes. (Reuters)
Ongoing high interest rates and a difficult environment for loan growth continue to pressure mortgage profitability, highlighting headwinds for Guild’s origination and servicing margins. (Reuters)
Industry consolidation in the mortgage sector could distract management and require integration resources, which may slow Guild’s organic growth ahead of the transaction closing. (Reuters)
Data summarised monthly by Lightyear AI. Last updated on 29 Aug 2025.
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Capital at risk
Upcoming events
Sept2
Guild
Dividend·Payment
$0.25Per share
FAQs
What’s the current market cap for Guild stock?
Guild (GHLD) has a market cap of $1.2B as of September 01, 2025.
What is the P/E ratio for Guild stock?
The price to earnings (P/E) ratio for Guild (GHLD) stock is 47.67 as of September 01, 2025.
Does Guild stock pay dividends?
Yes, the Guild (GHLD) stock pays dividends to shareholders. As of September 01, 2025, the dividend rate is $0.5 and the yield is 2.51%. 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 is scheduled for September 02, 2025.
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.