Company Analysis

Guild Holdings Company GHLD

A comprehensive view of key metrics, scores, and financial health for Guild Holdings Company

Overview of Guild Holdings Company

GHLD

Financial Services Mortgage Finance Framework: Banks & Lenders

Guild Holdings Company (GHLD), in the Mortgage Finance industry.

$ -

Enterprise Value

Overall Score

View breakdown

Overall

Growth

Good

Profitability

Fair

Health

Weak

Efficiency

Good

Valuation

Excellent

Growth

Good

Profitability

Fair

Health

Weak

Efficiency

Good

Valuation

Excellent

Completeness: 88%

Confidence: 80%

Updated: Oct 31

Top Beats

Quick Facts

Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Insufficient data

Engine Room Money Flow™

Financial Services - Where revenue goes and how value is created

Flow Steps

Interest Income

$146.4M

51.5%%

Interest Expense

$109.8M

Net Interest Income

$36.6M

18.8%%

Total Revenue

$1.2B

60.9%%

Money Flow Bridge

You are currently seeing a limited view of the money flow waterfall.

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Flow Direction: Money moves from left to right

Components: Breakdown shows composition of each stage

Industry-Specific: Financial Services

Data Quality Notes

Note: For banks, Owner Pocket percentages are relative to Net Income (not FCF), as traditional FCF is not meaningful.
Note: Credit Provisions data not available from source. This is a key credit quality metric for banks.

Quality & Reliability Indicators

Return on Equity

7.7%

Fair

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$31.9M

32.8% of Net Income

Where It Leaks

Cash Flow Health some concerns

Moderate efficiency issues detected. Review active leaks below for improvement areas.

Analysis based on partial data. Some metrics unavailable for complete assessment.

Active Leaks

1/1

Improving

High Impact

Critical

High

Interest Drag

Current: 1.1x

Allocation Leak

Improving

Scores based on quantitative metrics and qualitative factors

Full moat analysis

Key strengths

Strong Equity Cushion Equity cushion is strong (score 0.65).

Key risks

Credit Quality Concerns Credit quality is concerning (asset quality score 0.00).
Revenue Concentration Risk Revenue concentration is concerning (growth stability 0.29).

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Funding & Return Stability

Developing

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Signals, strengths and risks for Funding & Return Stability

Lending Advantage

Developing

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Signals, strengths and risks for Lending Advantage

Capital Strength

Moderate

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Signals, strengths and risks for Capital Strength

Cost Discipline

Developing

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Signals, strengths and risks for Cost Discipline

Revenue Diversification

Developing

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Signals, strengths and risks for Revenue Diversification

Risk Management

Developing

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Signals, strengths and risks for Risk Management

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 62% Coverage

Click axes to expand details. Marker shows current allocation.

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Growth

83th percentile vs peers

Key Signals

Asset Growth YoY 29.7% 91p NII Growth YoY 18.8% 75p

Strengths

Growth performance in top 20% of peers (percentile: 83)
Asset Growth YoY in top 20% of peers (29.7%, 91th percentile)
ROA in top 20% of peers (2.3%, 93th percentile)
Equity/Assets in top 20% of peers (26.3%, 94th percentile)

Risks

No significant risks identified for this axis.

Profitability

30th percentile vs peers

Key Signals

Strengths

Risks

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Safety

46th percentile vs peers

Key Signals

Strengths

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Two Futures

Scenario-based fair value ranges for Guild Holdings Company.

WACC X.X%

X%XX%

Rev CAGR 5Y X.X%

-XX%XX%

Op Margin XX.X%

-XX%XX%

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Bear

- - -

- upside

Base

- - -

- upside

Bull

- - -

- upside

Fair Value Range Current: $-

$- $- $-

Guild Holdings Company GHLD

Overview of Guild Holdings Company

Quick Facts

Next Events

Fair Value Snapshot

Engine Room Money Flow™

Flow Steps

Money Flow Bridge

Data Quality Notes

Quality & Reliability Indicators

Return on Equity

Locked Metric

Locked Metric

Locked Metric

Locked Metric

Locked Metric

Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Where It Leaks

Interest Drag

Key Metrics

Competitive Advantage Assessment

Key strengths

Key risks

Unlock full defense analysis

Funding & Return Stability

Lending Advantage

Capital Strength

Cost Discipline

Revenue Diversification

Risk Management

Trade-Off Ledger™

Growth

Profitability

Safety

Two Futures

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