Guild (GHLD) Stock Price, News & Analysis

Company Overview

Guild Holdings Company originates, sells, and services residential mortgage loans in the United States. It operates in two segments, Origination and Servicing. The company offers residential mortgages through retail and correspondent channels. Guild Holdings Company was incorporated in 1960 and is headquartered in San Diego, California.

Key Stats

• Today's Range: $20.05 to $20.20
• 50-Day Range: $14.32 to $20.17
• 52-Week Range: $11.21 to $23.57
• Volume: 6,009 shs
• Average Volume: 43,727 shs
• Market Capitalization: $1.25 billion
• P/E Ratio: 51.55
• Dividend Yield: N/A
• Price Target: $18.42
• Consensus Rating: Hold

Guild Stock Analysis - MarketRank™

Guild scored higher than 53% of companies evaluated by MarketBeat, and ranked 626th out of 941 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 2.1 / 5
• Analyst Rating: Hold

Consensus Rating

Guild has received a consensus rating of Hold. The company's average rating score is 2.25, and is based on 2 buy ratings, 6 hold ratings, and no sell ratings.

Amount of Analyst Coverage

Guild has been the subject of 6 research reports in the past 90 days, demonstrating strong analyst interest in this stock.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: 13.53%

Earnings Growth

Earnings for Guild are expected to grow by 13.53% in the coming year, from $1.33 to $1.51 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Guild is 51.64, which means that it is trading at a more expensive P/E ratio than the market average P/E ratio of about 28.50.

Price to Earnings Ratio vs. Sector

The P/E ratio of Guild is 51.64, which means that it is trading at a more expensive P/E ratio than the Finance sector average P/E ratio of about 19.65.

Price to Earnings Growth Ratio

Guild has a PEG Ratio of 1.15. PEG Ratios above 1 indicate that a company could be overvalued.

Price to Book Value per Share Ratio

Guild has a P/B Ratio of 1.03. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

2.64% of the float of Guild has been sold short.

Short Interest Ratio / Days to Cover

Guild has a short interest ratio ("days to cover") of 3, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Guild has recently increased by 10.66%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 0.8 / 5
• Dividend Strength: Weak

Dividend Yield

Guild does not currently pay a dividend.

Dividend Growth

Guild does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of Guild is 256.41%. Payout ratios above 75% are not desirable because they may not be sustainable.

Dividend Sustainability

Based on earnings estimates, Guild will have a dividend payout ratio of 66.23% next year. This indicates that Guild will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

2.64% of the float of Guild has been sold short.

Short Interest Ratio / Days to Cover

Guild has a short interest ratio ("days to cover") of 3, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Guild has recently increased by 10.66%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 3.4 / 5
• News Sentiment: 1.12

News Sentiment

Guild has a news sentiment score of 1.12. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.96 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 5 news articles for Guild this week, compared to 3 articles on an average week.

MarketBeat Follows

1 people have added Guild to their MarketBeat watchlist in the last 30 days.

Company Ownership

• Score: 2.5 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, Guild insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $1,624.00 in company stock.

Percentage Held by Insiders

78.29% of the stock of Guild is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

Only 17.52% of the stock of Guild is held by institutions.

GHLD Stock Analysis - Frequently Asked Questions

How have GHLD shares performed this year?

Guild's stock was trading at $14.11 at the beginning of the year. Since then, GHLD stock has increased by 42.7% and is now trading at $20.1350.

How were Guild's earnings last quarter?

Guild Holdings Company (NYSE:GHLD) announced its quarterly earnings results on Thursday, May, 9th. The company reported $0.10 EPS for the quarter, missing analysts' consensus estimates of $0.21 by $0.11. The firm had revenue of $231.78 million for the quarter, compared to analyst estimates of $173.77 million. Guild had a trailing twelve-month return on equity of 8.92% and a net margin of 2.56%.
Read the conference call transcript.

When did Guild IPO?

Guild (GHLD) raised $153 million in an IPO on Thursday, October 22nd 2020. The company issued 8,500,000 shares at $17.00-$19.00 per share. Wells Fargo Securities, BofA Securities, J.P. Morgan and JMP Securities served as the underwriters for the IPO and Compass Point and C.L. King & Associates were co-managers.

Who are Guild's major shareholders?

Guild's top institutional shareholders include Empowered Funds LLC (0.40%), Donald Smith & CO. Inc. (0.34%), GoodHaven Capital Management LLC (0.25%) and Geode Capital Management LLC (0.17%). Insiders that own company stock include Strategic Enterprises Mcgarry, Terry Lynn Schmidt, David Manuel Neylan, Mary Ann Mcgarry, Desiree Amber Kramer, Michael Charles Meyer and Edward Bryant Jr.
View institutional ownership trends.

How do I buy shares of Guild?

Shares of GHLD stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Guild own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Guild investors own include Arista Networks (ANET), Broadcom (AVGO), GE Aerospace (GE), Adobe (ADBE), TechnipFMC (FTI), NVIDIA (NVDA) and Intuit (INTU).

Company Calendar

• Last Earnings: 5/09/2024
• Today: 8/14/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NYSE
• Sector: Finance
• Industry: FIN - MISC SVCS
• Sub-Industry: Banking
• Current Symbol: NYSE:GHLD
• CIK: 1821160
• Web: www.guildmortgage.com
• Phone: 858-560-6330
• Fax: N/A
• Employees: 5,270
• Year Founded: N/A

Price Target and Rating

• Average Price Target for Guild: $18.42
• High Price Target: $20.00
• Low Price Target: $15.00
• Potential Upside/Downside: -8.1%
• Consensus Rating: Hold
• Rating Score (0-4): 2.25
• Research Coverage: 8 Analysts

Profitability

• EPS (Trailing Twelve Months): $0.39
• Trailing P/E Ratio: 51.41
• Forward P/E Ratio: 15.08
• P/E Growth: 1.15
• Net Income: $97.13 million
• Net Margins: 2.56%
• Pretax Margin: 2.47%
• Return on Equity: 8.92%
• Return on Assets: 2.27%

Debt

• Debt-to-Equity Ratio: 1.03
• Current Ratio: 0.05
• Quick Ratio: 0.07

Sales & Book Value

• Annual Sales: $1.04 billion
• Price / Sales: 1.20
• Cash Flow: $1.90 per share
• Price / Cash Flow: 10.55
• Book Value: $19.58 per share
• Price / Book: 1.02

Miscellaneous

• Outstanding Shares: 62,210,000
• Free Float: 13,506,000
• Market Cap: $1.25 billion
• Optionable: Not Optionable
• Beta: 0.94