GHLD · Guild Holdings Co - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $307.44M | $279.44M | $198.49M | - | $159.26M | $285.69M | $231.78M | - | $257.26M | $236.81M |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | $29.34M | $31.43M | $29.15M | - | $26.72M | $28.40M | $29.21M | - | $18.81M | - |
| Total Operating Expenses | $261.46M | $258.90M | $230.11M | - | $252.09M | $241.16M | $193.24M | - | $183.73M | $186.37M |
| D&A | $3.53M | $3.61M | $3.65M | - | $3.75M | $3.97M | $3.75M | - | $1.70M | $1.70M |
| Operating Income | $45.98M | $20.54M | ($31.62M) | - | ($92.83M) | $44.53M | $38.54M | - | $73.53M | $50.44M |
| Interest Expense | - | - | - | - | - | - | $16.54M | - | $19.39M | $17.33M |
| Income Tax | $12.64M | $1.88M | ($7.67M) | - | ($25.88M) | $6.94M | $10.14M | - | $19.28M | $13.51M |
| Net Income | $33.33M | $18.66M | ($23.90M) | - | ($66.89M) | $37.58M | $28.50M | - | $54.25M | $36.94M |
| EPS - Basic | $0.54 | $0.30 | ($0.39) | - | ($1.09) | $0.61 | $0.47 | - | $0.89 | $0.61 |
| EPS - Diluted | $0.53 | $0.30 | ($0.39) | - | ($1.09) | $0.60 | $0.46 | - | $0.88 | $0.60 |
Balance Sheet
| Line item | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $106.40M | $107.36M | $111.73M | $118.20M | $106.15M | $102.19M | $95.15M | $120.26M | $114.35M | $105.96M |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $5.10B | $5.03B | $4.55B | $4.77B | $4.64B | $4.58B | $3.96B | $3.68B | $3.50B | $3.53B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - | - | - | - | - |
| Total Liabilities | $3.86B | $3.82B | $3.35B | $3.51B | $3.49B | $3.36B | $2.74B | $2.49B | $2.22B | $2.28B |
| Stockholders' Equity | $1.24B | $1.22B | $1.20B | $1.25B | $1.16B | $1.22B | $1.21B | $1.18B | $1.28B | $1.25B |
| Retained Earnings | $1.18B | $1.16B | $1.15B | $1.20B | $1.10B | $1.17B | $1.16B | $1.14B | $1.23B | $1.21B |
Cash Flow
| Line item | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | - | - | $180.78M | - | - | - | ($261.44M) | - | - | - |
| Investing Cash Flow | - | - | ($30.90M) | - | - | - | ($40.94M) | - | - | - |
| Financing Cash Flow | - | - | ($154.59M) | - | - | - | $276.81M | - | - | - |
| CapEx | - | - | $2.28M | - | - | - | $592.0K | - | - | - |
| Free Cash Flow | - | - | $178.50M | - | - | - | ($262.04M) | - | - | - |
Ratios
| Metric | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | 15.0% | 7.4% | -15.9% | - | -58.3% | 15.6% | 16.6% | - | 28.6% | 21.3% |
| EBITDA margin | 16.1% | 8.6% | -14.1% | - | -55.9% | 17.0% | 18.2% | - | 29.2% | 22.0% |
| Net margin | 10.8% | 6.7% | -12.0% | - | -42.0% | 13.2% | 12.3% | - | 21.1% | 15.6% |
| Free cash flow margin | - | - | 89.9% | - | - | - | -113.1% | - | - | - |
| FCF / Net income | - | - | -7.47 | - | - | - | -9.19 | - | - | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | 9.5% | 11.2% | 14.7% | - | 16.8% | 9.9% | 12.6% | - | 7.3% | - |
| Effective tax rate | 27.5% | 9.1% | - | - | - | 15.6% | 26.2% | - | 26.2% | 26.8% |
| Return on assets | 0.7% | 0.4% | -0.5% | - | -1.4% | 0.8% | 0.7% | - | 1.6% | 1.0% |
| Return on equity | 2.7% | 1.5% | -2.0% | - | -5.8% | 3.1% | 2.3% | - | 4.2% | 3.0% |
| Return on invested capital | - | - | - | - | - | - | - | - | - | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | - | - | - | - | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Interest coverage | - | - | - | - | - | - | 2.3x | - | 3.8x | 2.9x |
| Equity multiplier | 4.12 | 4.13 | 3.79 | 3.80 | 4.01 | 3.75 | 3.26 | 3.11 | 2.74 | 2.82 |
| Liabilities / Assets | 0.76 | 0.76 | 0.74 | 0.74 | 0.75 | 0.73 | 0.69 | 0.68 | 0.63 | 0.65 |
| Efficiency | ||||||||||
| Asset turnover | 0.06 | 0.06 | 0.04 | - | 0.03 | 0.06 | 0.06 | - | 0.07 | 0.07 |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | - | - | - | - | - | - | - | - | - | - |
| P / B | - | - | - | - | - | - | - | - | - | - |
| P / S | - | - | - | - | - | - | - | - | - | - |
| EV / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Growth | ||||||||||
| Revenue growth (YoY) | 93.0% | -2.2% | -14.4% | - | -38.1% | 20.6% | 123.1% | - | -1.5% | -17.6% |
| Revenue CAGR (3y) | 5.6% | -0.9% | -25.6% | - | -27.2% | -13.1% | 10.8% | - | 5.7% | - |
| Revenue CAGR (5y) | 7.1% | - | - | - | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | - | -53.9% | - | - | - | -11.7% | - | - | -15.2% | -35.7% |
| Net income growth (YoY) | - | -50.3% | - | - | - | 1.8% | - | - | -29.9% | -36.6% |
| EPS growth (YoY) | - | -50.0% | - | - | - | 0.0% | - | - | -30.2% | -36.8% |
| EPS CAGR (3y) | -25.1% | -31.9% | - | - | - | 58.7% | -44.4% | - | - | - |
| EPS CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| FCF growth (YoY) | - | - | - | - | - | - | -755.6% | - | - | - |
| FCF CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| Book value growth (YoY) | 6.9% | -0.4% | -1.1% | 6.0% | -9.3% | -2.3% | 0.1% | -5.3% | 0.9% | 5.4% |
Sales by segment
From XBRL dimensional facts in the 10-K period ending 2024-12-31.
Business segments
$1.07B totalOrigination$780.49M · 73.1%
Servicing$287.14M · 26.9%
Peer comparison
Same SIC group: Mortgage Bankers & Loan Correspondents
Comparing Guild Holdings Co against the 5 most active filers in the same SIC group.