US · GHLD
Guild Holdings Company
- Sector
- Financial Services · Financial - Mortgages
- Headquarters
- San Diego, CA 92111
- Website
- guildmortgage.com
Price · as of 2024-12-31
—
Market cap 1.24B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $37.67 | — |
| Intrinsic Value(DCF) | $14.52 | — |
| Graham-Dodd Method(GD) | $17.60 | — |
| Graham Formula(GF) | $107.89 | — |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2010 | |||||
| 2011 | |||||
| 2012 | |||||
| 2013 | |||||
| 2014 | |||||
| 2015 | |||||
| 2016 | |||||
| 2017 | |||||
| 2018 | |||||
| 2019 | $0.00 | $0.00 | |||
| 2020 | $11.66 | $87.73 | $10,865,728.89 | $32.81 | $1,659.49 |
| 2021 | $10.07 | $115.64 | $314.77 | $5.75 | $38.13 |
| 2022 | $9.76 | $104.04 | $23.22 | $44.53 | $0.00 |
| 2023 | $12.95 | $39.06 | $3.47 | $5.66 | $18.05 |
| 2024 | $12.76 | $37.67 | $14.43 | $17.60 | $107.89 |
AI valuation
Our deep-learning model estimates Guild Holdings Company's (GHLD) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $37.67
- Current price
- —
- AI upside
- —
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$14.52
— upside
Graham-Dodd
$17.60
— upside
Graham Formula
$107.89
— upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| GHLD | Guild Holdings Company | $19.93 | 1.24B | +89% | -27% | -12% | +441% | 8.08 | 0.62 | 0.67 | 23.59 | — | -2.48 | 90.65% | 10.13% | 8.27% | 7.95% | 2.66% | 2.30% | 2.42 | 1.08 | 0.05 | 0.09 | 1.16 | -34375.00% | 6280.00% | 58804.00% | -85.39% | -0.30 | -18.38% | 3.92% | 31.70% | 32.75% | 31.08 | -5.53 | 3.15 | 0.28 |
| BETR | Better Home & Finance Hol… | $61.22 | 928.15M | -94% | -94% | — | — | -0.73 | -2.57 | 1.25 | -4.22 | -0.07 | -1.46 | -35.42% | -156.61% | -171.83% | -640.35% | -52.94% | -22.69% | -13.20 | — | 1.98 | 0.68 | -3.60 | 107672.00% | 3565.00% | 13012.00% | -260.46% | -0.87 | -109.82% | 0.00% | 0.00% | 0.00% | -3.47 | -1.67 | 5.44 | -2.82 |
| BY | Byline Bancorp, Inc. | $27.15 | 1.25B | +76% | +13% | +19% | -1% | 10.93 | 1.12 | 2.26 | 2.78 | 214.79 | 1.33 | 66.12% | 29.06% | 20.66% | 11.02% | 54.45% | 1.36% | 0.45 | 0.98 | 0.31 | 0.31 | 2.69 | 509.00% | 130.00% | -6976.00% | 3.64% | 0.01 | 20.52% | 1.28% | 14.00% | 2.95% | 2.85 | 10.08 | 0.83 | -0.09 |
| CNOB | ConnectOne Bancorp, Inc. | $24.72 | 1.24B | +78% | -57% | -5% | +35% | 16.81 | 0.86 | 2.23 | 10.46 | — | 1.05 | 44.17% | 18.59% | 13.26% | 5.72% | 5.25% | 0.67% | 0.74 | 0.39 | 391.51 | 391.51 | 9.56 | -1591.00% | 1344.00% | 7750.00% | 7.47% | 3.28 | 6.59% | 2.81% | 47.20% | 2.81% | 10.46 | 11.68 | 1.94 | 1.29 |
| DFIN | Donnelley Financial Solut… | $46.29 | 1.23B | +97% | -51% | -89% | -84% | 43.12 | 3.68 | 1.82 | 7.50 | — | -11.69 | 63.44% | 18.40% | 4.22% | 7.95% | 20.02% | 3.91% | 0.48 | 10.94 | 1.06 | 0.84 | 0.76 | -6242.00% | -191.00% | 247.00% | 7.72% | 0.82 | 20.35% | 0.00% | 0.00% | 13.24% | 11.02 | 14.42 | 2.03 | 4.53 |
| ECPG | Encore Capital Group, Inc… | $42.75 | 983.75M | +509% | -31% | +74% | +946% | 6.42 | 1.69 | 0.93 | 8.62 | — | 3.74 | 68.98% | 35.38% | 14.57% | 29.45% | 10.37% | 5.07% | 4.23 | 2.17 | 14106.90 | 14106.90 | 6.09 | -28714.00% | 3389.00% | -18.00% | 7.70% | 477.26 | 2.76% | 0.00% | 0.00% | 5.49% | 9.02 | 44.30 | 3.19 | 2.25 |
| HIVE | HIVE Digital Technologies… | $5.08 | 1.17B | +375% | -84% | -33% | — | -85.84 | 0.57 | 2.23 | 9.17 | — | 0.57 | 21.81% | 1.40% | -2.60% | -0.85% | 0.18% | -0.71% | 0.12 | 0.70 | 3.72 | 0.95 | 1.10 | -10807.00% | 71.00% | 13987.00% | -61.31% | 0.25 | -43.22% | 0.00% | 0.00% | 0.00% | 164.28 | -1.68 | 2.30 | 1.78 |
| LU | Lufax Holding Ltd | $2.85 | 1.19B | +769% | +556% | +1,037% | — | 2.73 | 0.03 | 0.06 | — | — | 0.03 | 69.55% | 35.51% | 2.13% | 0.96% | 9.36% | 0.30% | 0.49 | 1.61 | 29.50 | 29.05 | — | -8984.00% | -3962.00% | 24581.00% | 618.19% | 9.63 | 15.06% | 59.23% | 161.90% | 218.32% | 0.49 | 0.49 | 0.18 | 1.00 |
| NAVI | Navient Corporation | $11.89 | 1.2B | +3,161% | -71% | -47% | -1% | -10.67 | 0.36 | 0.26 | 17.97 | — | 0.43 | 86.96% | 77.14% | -2.48% | -3.17% | 3.72% | -0.16% | 19.05 | 0.96 | 0.41 | 0.41 | 17.62 | -16864.00% | -2374.00% | -392.00% | 51.68% | 0.09 | 0.91% | 7.38% | -78.70% | 529.07% | 17.85 | 100.81 | 13.77 | 0.30 |
| OCSL | Oaktree Specialty Lending… | $13.77 | 1.21B | +177% | -62% | — | +90% | 33.62 | 0.78 | 3.81 | 16.87 | — | 0.78 | 87.21% | 50.39% | 11.32% | 2.30% | 4.91% | 1.09% | 1.01 | 1.30 | 11.20 | 11.20 | 9.32 | -4583.00% | 6093.00% | 64647.00% | 12.49% | 11.80 | 4.80% | 13.00% | 436.90% | 28.62% | 16.87 | 17.89 | 8.50 | 0.35 |
| PRA | ProAssurance Corporation | $24.03 | 1.24B | +3% | +11% | -62% | -77% | -152.14 | 0.93 | 1.15 | 12.98 | — | 0.97 | 39.40% | 6.56% | 4.64% | -0.65% | -13.15% | -0.15% | 0.33 | 3.46 | 0.15 | 0.15 | 3.85 | -388.00% | -267.00% | -9777.00% | -0.03% | 0.00 | 0.11% | 5.96% | -906.30% | 5.96% | 19.20 | -3144.85 | 1.26 | 0.15 |
About Guild Holdings Company
Guild Holdings Company, a mortgage company, originates, sells, and services residential mortgage loans in the United States. The company operates approximately 260 branches with licenses in 49 states. It originates residential mortgages through retail and correspondent channels. The company was incorporated in 1960 and is headquartered in San Diego, California.
- CEO
- Terry Lynn Schmidt
- Employees
- 5.27K
- Beta
- 1.08
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($14.52 ÷ —) − 1 = — (DCF, example).