Financial Snapshot

Revenue
$882.8M
TTM
Gross Margin
Net Earnings
-$93.82M
TTM
Current Assets
$156.2M
Q3 2024
Current Liabilities
$167.9M
Q3 2024
Current Ratio
93.04%
Q3 2024
Total Assets
Q3 2024
Total Liabilities
Q3 2024
Book Value
$1.158B
Q3 2024
Cash
Q3 2024
P/E
-8.905
Nov 29, 2024 EST
Free Cash Flow
-$851.0M
TTM

Revenues

Revenues

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Revenue YoY Change

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Revenues

Concept 2023 2022 2021 2020 2019 2018
Revenue $852.9M $1.165B $1.576B $1.622B $712.9M $784.0M
YoY Change -26.78% -26.1% -2.82% 127.53% -9.07%

Expenses

Cost Of Revenues

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Gross Profit

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Gross Profit Margin

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Gross Profit

Concept 2023 2022 2021 2020 2019 2018
Revenue $852.9M $1.165B $1.576B $1.622B $712.9M $784.0M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

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Research & Development

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Depreciation, Depletion & Amortization

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SGA Expense to Gross Profit Ratio

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R&D To Gross Profit Ratio

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DDA To Gross Profit Ratio

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Operating Expenses Total

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Operating Profits/Loss

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Operational Expenses

Concept 2023 2022 2021 2020 2019 2018
Selling, General & Admin $685.6M $774.1M $1.173B $1.081B $695.8M $613.7M
YoY Change -11.43% -34.04% 8.54% 55.38% 13.38%
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $14.58M $15.53M $11.49M $7.500M $7.330M $7.180M
YoY Change -6.09% 35.14% 53.17% 2.32% 2.09%
% of Gross Profit
Operating Expenses $832.6M $744.8M $1.189B $1.128B $707.1M $642.4M
YoY Change 11.79% -37.38% 5.44% 59.53% 10.07%
Operating Profit
YoY Change

Interest Expenses

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Interest Expenses To Operating Income %

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Other Expense/Income

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Interest & Other Expense/Income

Concept 2023 2022 2021 2020 2019 2018
Interest Expense -$66.36M $49.24M $61.59M $60.17M $55.39M -$44.00M
YoY Change -234.78% -20.05% 2.36% 8.62% -225.89%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

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Income Tax

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Net Profits/Loss

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Pretax Income YoY Change

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Income Tax Rate

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Net Profits/Loss YoY Change

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Basic EPS

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Net Income To Revenue Ratio

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Pretax & Net Income

Concept 2023 2022 2021 2020 2019 2018
Pretax Income -$46.13M $420.0M $386.9M $494.1M $5.830M $97.60M
YoY Change -110.98% 8.55% -21.68% 8374.61% -94.03%
Income Tax -$6.994M $91.39M $103.1M $123.5M $253.0K $24.30M
% Of Pretax Income 21.76% 26.66% 25.0% 4.34% 24.9%
Net Earnings -$39.01M $328.6M $283.8M $370.6M $5.577M $73.30M
YoY Change -111.87% 15.8% -23.42% 6544.74% -92.39%
Net Earnings / Revenue -4.57% 28.21% 18.0% 22.85% 0.78% 9.35%
Basic Earnings Per Share -$0.64 $5.39 $4.69 $6.18
Diluted Earnings Per Share -$0.64 $5.35 $4.67 $6.17 $93.33K $1.222M

Assets & Liabilities

Cash & Short-Term Investments

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Cash & Equivalents

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Cash To Operating Expenses Ratio

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Inventory

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Receivables

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Total Short-Term Assets

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Property, Plant And Equipment

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Long-Term Investments

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Total Long-Term Assets

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Total Assets

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Net Income To Total Assets Percentage

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Accounts Payable

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Short-Term Debt

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Long Term Debt Due

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Total Short-Term Liabilities

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Long-Term Debt

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Other Long-Term Liabilities

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Total Long-Term Liabilities

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Total Liabilities

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Short-Term To Long-Term Debt Ratio

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Short-Term Assets To Debt Ratio

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Long-Term Debt To Net Income Ratio

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Assets & Liabilities

Concept 2023 2022 2021 2020 2019 2018
Cash & Short-Term Investments $120.3M $137.9M $243.1M $334.6M $101.7M $58.50M
YoY Change -12.79% -43.28% -27.34% 229.01% 73.85%
Cash & Equivalents $120.3M $137.9M $243.1M $334.6M $101.7M $58.50M
Short-Term Investments
Other Short-Term Assets $28.73M $31.50M $32.90M $16.70M $11.30M $13.20M
YoY Change -8.79% -4.26% 97.01% 47.79% -14.39%
Inventory
Prepaid Expenses
Receivables $85.36M $58.30M $68.36M $43.40M $34.60M $27.90M
Other Receivables $0.00 $0.00 $0.00 $1.500M $2.600M $3.100M
Total Short-Term Assets $205.6M $227.7M $344.4M $396.2M $150.2M $102.7M
YoY Change -9.7% -33.88% -13.08% 163.78% 46.25%
Property, Plant & Equipment $79.19M $86.78M $102.3M $102.3M $9.800M $12.90M
YoY Change -8.75% -15.19% 0.02% 943.88% -24.03%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments $1.217B $845.9M $2.204B $2.369B $1.505B $966.2M
YoY Change 43.89% -61.63% -6.95% 57.41% 55.75%
Other Assets $7.121M $8.863M $5.012M $5.000M $5.000M $4.300M
YoY Change -19.65% 76.84% 0.24% 0.0% 16.28%
Total Long-Term Assets $3.471B $3.012B $4.039B $4.422B $2.457B $1.936B
YoY Change 15.25% -25.43% -8.66% 79.96% 26.95%
Total Assets $3.677B $3.240B $4.383B $4.818B $2.607B $2.038B
YoY Change
Accounts Payable $32.64M $34.10M $56.84M $41.10M $35.30M $28.00M
YoY Change -4.27% -40.01% 38.29% 16.43% 26.07%
Accrued Expenses $106.6M $115.6M $172.9M $201.2M $45.30M $30.00M
YoY Change -7.74% -33.16% -14.06% 344.15% 51.0%
Deferred Revenue
YoY Change
Short-Term Debt $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
YoY Change
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $139.3M $149.7M $229.8M $261.8M $80.60M $58.00M
YoY Change -6.95% -34.86% -12.24% 224.81% 38.97%
Long-Term Debt $1.985B $1.490B $2.907B $3.566B $1.934B $1.333B
YoY Change 33.25% -48.76% -18.49% 84.42% 45.09%
Other Long-Term Liabilities $144.1M $118.1M $184.2M $164.8M $100.8M $94.40M
YoY Change 22.02% -35.9% 11.79% 63.49% 6.78%
Total Long-Term Liabilities $2.129B $1.608B $3.091B $3.731B $2.035B $1.427B
YoY Change 32.42% -47.99% -17.15% 83.39% 42.55%
Total Liabilities $2.494B $1.990B $3.463B $4.082B $2.201B $1.597B
YoY Change 25.28% -42.53% -15.16% 85.43% 37.82%

Ownership

Basic Shares Outstanding

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Diluted Shares Outstanding

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Preferred Stock

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Treasury Stock Shares

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Stock Issuance & Repurchase

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Ownership Data

Concept 2023 2022 2021 2020 2019 2018
Basic Shares Outstanding 60.97M shares 60.98M shares 60.51M shares 60.00M shares
Diluted Shares Outstanding 60.97M shares 61.38M shares 60.83M shares 60.06M shares
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

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Book Value

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Free Cash Flow

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Free Cash Flow YoY

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Free Cash Flow Margin

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Dividends

Dividends

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Stock Price

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Market Cap: $835.46 Million

About Guild Holdings Co

Guild Holdings Co.is a growth-oriented mortgage company, which engages in the provision of personalized mortgage-borrowing services. The company is headquartered in San Diego, California and currently employs 4,200 full-time employees. The company went IPO on 2020-10-22. The company is engaged in providing residential mortgage products and local in-house origination and servicing. Its segments include Origination and Servicing. The Origination segment operates its loan origination business throughout the United States. The Origination segment is responsible for loan origination, acquisition and sale activities. The Servicing segment provides a steady stream of cash flow to support the origination segment. The Servicing segment is responsible for the servicing activities of all loans in the Company’s servicing portfolio, which includes collection and remittance of loan payments, managing borrower’s impound accounts for taxes and insurance, loan payoffs, loss mitigation and foreclosure activities. The company has developed its in-house servicing platform. Its servicing segment is based out of its servicing center in San Diego, California, and it is a licensed mortgage servicer in 49 states and the District of Columbia.

Industry: Mortgage Bankers & Loan Correspondents Peers: Bridgewater Bancshares Inc FEDERAL NATIONAL MORTGAGE ASSOCIATION FANNIE MAE GREENE COUNTY BANCORP INC Kearny Financial Corp. Luther Burbank Corp Northfield Bancorp, Inc. Rocket Companies, Inc. SOUTHERN MISSOURI BANCORP, INC. TRUSTCO BANK CORP N Y