Guild Holdings Co Financials

GHLD

Source SEC Filings (10-K/10-Q) Updated Sep 30, 2025 Currency USD FYE December

This page shows Guild Holdings Co (GHLD) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 6 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 35/100

Based on FY2024 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

100

Guild Holdings Co's revenue surged 60.2% year-over-year to $1.0B, reflecting rapid business expansion. This strong growth earns a score of 100/100.

Leverage

Guild Holdings Co has elevated debt relative to equity (D/E of 2.80), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 7/100, reflecting increased financial risk.

Cash Flow

While Guild Holdings Co generated -$659.6M in operating cash flow, capex of $9.4M consumed most of it, leaving -$669.0M in free cash flow. This results in a low score of 0/100, reflecting heavy capital investment rather than weak cash generation.

Returns

Guild Holdings Co's ROE of 7.8% shows moderate profitability relative to equity, earning a score of 31/100.

Piotroski F-Score Weak

3/9

Guild Holdings Co passes 3 of 9 financial strength tests. 2 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.

Earnings Quality Low Quality

-6.79x

For every $1 of reported earnings, Guild Holdings Co generates $-6.79 in operating cash flow (-$659.6M OCF vs $97.1M net income). This low ratio suggests earnings are primarily driven by accounting accruals rather than cash generation, which may not be sustainable.

Key Financial Metrics

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Revenue

$1.0B

YoY+60.2%

5Y CAGR+8.0%

Guild Holdings Co generated $1.0B in revenue in fiscal year 2024. This represents an increase of 60.2% from the prior year.

EBITDA

N/A

Free Cash Flow

-$669.0M

YoY-588.0%

Guild Holdings Co generated -$669.0M in free cash flow in fiscal year 2024, representing cash available after capex. This represents a decrease of 588.0% from the prior year.

Net Income

$97.1M

YoY+349.0%

5Y CAGR+77.1%

Guild Holdings Co reported $97.1M in net income in fiscal year 2024. This represents an increase of 349.0% from the prior year.

EPS (Diluted)

$1.56

YoY+343.8%

Guild Holdings Co earned $1.56 per diluted share (EPS) in fiscal year 2024. This represents an increase of 343.8% from the prior year.

Cash & Debt

$118.2M

YoY-1.7%

5Y CAGR+3.0%

Guild Holdings Co held $118.2M in cash against $0 in long-term debt as of fiscal year 2024.

Dividends Per Share

$0.50

YoY+0.0%

Guild Holdings Co paid $0.50 per share in dividends in fiscal year 2024. This represents an increase of 0.0% from the prior year.

Shares Outstanding

N/A

Gross Margin

N/A

Operating Margin

N/A

Net Margin

9.3%

YoY+15.2pp

5Y CAGR+8.5pp

Guild Holdings Co's net profit margin was 9.3% in fiscal year 2024, showing the share of revenue converted to profit. This is up 15.2 percentage points from the prior year.

Return on Equity

7.8%

5Y CAGR+6.4pp

Guild Holdings Co's ROE was 7.8% in fiscal year 2024, measuring profit generated per dollar of shareholder equity.

R&D Spending

N/A

Share Buybacks

$1.2M

YoY-64.1%

5Y CAGR-31.8%

Guild Holdings Co spent $1.2M on share buybacks in fiscal year 2024, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 64.1% from the prior year.

Capital Expenditures

$9.4M

YoY+70.0%

5Y CAGR+20.4%

Guild Holdings Co invested $9.4M in capex in fiscal year 2024, funding long-term assets and infrastructure. This represents an increase of 70.0% from the prior year.

GHLD Income Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Revenue	$1.0B+60.2%	$655.2M-43.8%	$1.2B-26.1%	$1.6B-2.8%	$1.6B+127.5%	$712.9M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$107.1M+28.7%	$83.2M+118.5%	$38.1M-58.3%	$91.3M-10.5%	$101.9M+59.3%	$64.0M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$109.8M+65.5%	$66.4M+34.8%	$49.2M-20.1%	$61.6M+2.4%	$60.2M+8.6%	$55.4M
Income Tax	$22.1M+416.3%	-$7.0M-107.7%	$91.4M-11.4%	$103.1M-16.5%	$123.5M+48711.5%	$253K
Net Income	$97.1M+349.0%	-$39.0M-111.9%	$328.6M+15.8%	$283.8M-23.4%	$370.6M+6544.7%	$5.6M
EPS (Diluted)	$1.56+343.8%	$-0.64-112.0%	$5.35+14.6%	$4.67-24.3%	$6.17	N/A

Metric	Q3'25	Q2'25	Q1'25	Q4'23	Q3'24	Q2'24	Q1'24	Q4'22
Revenue	$307.4M+10.0%	$279.4M+40.8%	$198.5M+246.8%	$57.2M-77.8%	$257.3M+8.6%	$236.8M+128.0%	$103.9M-22.6%	$134.3M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$29.3M-6.6%	$31.4M+7.8%	$29.2M+26.4%	$23.1M+22.7%	$18.8M-8.0%	$20.4M-2.1%	$20.9M+16.5%	$17.9M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$29.2M+0.9%	$29.0M+31.2%	$22.1M+27.0%	$17.4M-10.4%	$19.4M+11.9%	$17.3M+41.3%	$12.3M-4.4%	$12.8M
Income Tax	$12.6M+572.5%	$1.9M+124.5%	-$7.7M+70.7%	-$26.2M-235.7%	$19.3M+42.8%	$13.5M+199.3%	-$13.6M-65.4%	-$8.2M
Net Income	$33.3M+78.6%	$18.7M+178.1%	-$23.9M+74.3%	-$93.0M-271.4%	$54.2M+46.9%	$36.9M+199.3%	-$37.2M-147.8%	-$15.0M
EPS (Diluted)	$0.53+76.7%	$0.30+176.9%	$-0.39+74.2%	$-1.51-271.6%	$0.88+46.7%	$0.60+198.4%	$-0.61-154.2%	$-0.24

GHLD Balance Sheet

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Total Assets	$4.8B+29.7%	$3.7B+13.5%	$3.2B-26.1%	$4.4B-9.0%	$4.8B+84.8%	$2.6B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$118.2M-1.7%	$120.3M-12.8%	$137.9M-43.3%	$243.1M-27.3%	$334.6M+228.9%	$101.7M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$198.7M+6.7%	$186.2M+5.3%	$176.8M+0.9%	$175.1M+178.7%	$62.8M0.0%	$62.8M
Total Liabilities	$3.5B+41.0%	$2.5B+25.3%	$2.0B-42.5%	$3.5B-15.2%	$4.1B+85.4%	$2.2B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$1.3B+6.0%	$1.2B-5.3%	$1.2B+35.8%	$920.0M+25.0%	$736.0M+81.3%	$406.0M
Retained Earnings	$1.2B+5.8%	$1.1B-5.8%	$1.2B+37.5%	$877.2M+22.3%	$717.4M+86.8%	$383.9M

Metric	Q3'25	Q2'25	Q1'25	Q4'23	Q3'24	Q2'24	Q1'24	Q4'22
Total Assets	$5.1B+1.3%	$5.0B+10.6%	$4.5B+23.7%	$3.7B+5.2%	$3.5B-1.0%	$3.5B+11.0%	$3.2B-1.8%	$3.2B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$106.4M-0.9%	$107.4M-3.9%	$111.7M-7.1%	$120.3M+5.2%	$114.4M+7.9%	$106.0M-28.3%	$147.8M+7.2%	$137.9M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$198.7M0.0%	$198.7M0.0%	$198.7M+6.7%	$186.2M0.0%	$186.2M+0.7%	$184.9M+1.5%	$182.2M+3.0%	$176.8M
Total Liabilities	$3.9B+1.2%	$3.8B+13.9%	$3.3B+34.3%	$2.5B+12.3%	$2.2B-2.7%	$2.3B+15.9%	$2.0B-1.1%	$2.0B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$1.2B+1.6%	$1.2B+1.5%	$1.2B+1.4%	$1.2B-7.3%	$1.3B+2.0%	$1.3B+3.1%	$1.2B-2.9%	$1.2B
Retained Earnings	$1.2B+1.5%	$1.2B+1.6%	$1.1B+0.9%	$1.1B-7.6%	$1.2B+1.9%	$1.2B+3.2%	$1.2B-3.1%	$1.2B

GHLD Cash Flow Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Operating Cash Flow	-$659.6M-619.2%	-$91.7M-107.3%	$1.3B+85.1%	$680.5M+245.4%	-$468.0M-10.2%	-$424.7M
Capital Expenditures	$9.4M+70.0%	$5.5M+49.9%	$3.7M-20.1%	$4.6M-44.1%	$8.2M+122.2%	$3.7M
Free Cash Flow	-$669.0M-588.0%	-$97.2M-107.7%	$1.3B+85.8%	$675.9M+241.9%	-$476.3M-11.2%	-$428.4M
Investing Cash Flow	-$152.4M-11.6%	-$136.6M-1803.1%	-$7.2M+93.1%	-$104.7M-480.6%	-$18.0M-33.6%	-$13.5M
Financing Cash Flow	$809.7M+287.5%	$208.9M+115.4%	-$1.4B-102.9%	-$667.3M-192.8%	$719.0M+49.1%	$482.2M
Dividends Paid	$30.7M+0.7%	$30.5M	$0-100.0%	$121.1M+225.7%	$37.2M+14.4%	$32.5M
Share Buybacks	$1.2M-64.1%	$3.3M-41.3%	$5.6M	$0	N/A	$8.0M

Metric	Q3'25	Q2'25	Q1'25	Q4'23	Q3'24	Q2'24	Q1'24	Q4'22
Operating Cash Flow	$78.9M+118.4%	-$427.8M-336.7%	$180.8M+853.9%	$19.0M-90.8%	$205.2M+171.7%	-$286.3M-868.9%	-$29.6M-137.6%	$78.5M
Capital Expenditures	$1.8M-38.6%	$3.0M+30.0%	$2.3M+162.4%	$868K-60.9%	$2.2M+64.3%	$1.4M+26.2%	$1.1M+106.0%	$520K
Free Cash Flow	$77.0M+117.9%	-$430.8M-341.3%	$178.5M+887.1%	$18.1M-91.1%	$203.0M+170.6%	-$287.7M-839.4%	-$30.6M-139.3%	$78.0M
Investing Cash Flow	-$33.8M-31.6%	-$25.7M+16.8%	-$30.9M-0.5%	-$30.8M+40.2%	-$51.4M-31.3%	-$39.2M-157.0%	-$15.2M-263.1%	-$4.2M
Financing Cash Flow	-$42.8M-109.6%	$447.6M+389.5%	-$154.6M-825.7%	$21.3M+114.4%	-$147.7M-152.1%	$283.3M+444.2%	$52.1M+153.4%	-$97.5M
Dividends Paid	$15.6M	$0-100.0%	$31.0M	$0-100.0%	$30.5M	N/A	N/A	$0
Share Buybacks	$0-100.0%	$812K+78.1%	$456K-60.1%	$1.1M+12.6%	$1.0M+84.4%	$550K-3.2%	$568K-78.3%	$2.6M

GHLD Financial Ratios

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	9.3%+15.2pp	-5.9%-34.2pp	28.2%+10.2pp	18.0%-4.9pp	22.9%+22.1pp	0.8%
Return on Equity	7.8%	N/A	26.3%-4.5pp	30.8%-19.5pp	50.3%+49.0pp	1.4%
Return on Assets	2.0%+3.1pp	-1.1%-11.2pp	10.1%+3.7pp	6.5%-1.2pp	7.7%+7.5pp	0.2%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	2.80+0.7	2.11+0.5	1.59-2.2	3.76-1.8	5.55+0.1	5.42
FCF Margin	-63.7%-48.9pp	-14.8%-122.7pp	107.8%+64.9pp	42.9%+72.2pp	-29.4%+30.7pp	-60.1%

Metric	Q3'25	Q2'25	Q1'25	Q4'23	Q3'24	Q2'24	Q1'24	Q4'22
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	10.8%+4.2pp	6.7%+18.7pp	-12.0%+150.5pp	-162.5%-183.6pp	21.1%+5.5pp	15.6%+51.4pp	-35.8%-24.6pp	-11.2%
Return on Equity	2.7%+1.2pp	1.5%-0.8pp	2.4%	N/A	4.3%+1.3pp	2.9%	N/A	N/A
Return on Assets	0.7%+0.3pp	0.4%+0.9pp	-0.5%+2.0pp	-2.5%-4.1pp	1.6%+0.5pp	1.1%+2.2pp	-1.2%-0.7pp	-0.5%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	3.12-0.0	3.13+0.3	2.79+0.7	2.11+0.4	1.74-0.1	1.82+0.2	1.62+0.0	1.59
FCF Margin	25.1%+179.2pp	-154.2%-244.1pp	89.9%+58.3pp	31.6%-47.3pp	78.9%+200.4pp	-121.5%-92.0pp	-29.5%-87.5pp	58.1%

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Frequently Asked Questions

What is Guild Holdings Co's annual revenue?

Guild Holdings Co (GHLD) reported $1.0B in total revenue for fiscal year 2024. This represents a 60.2% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Guild Holdings Co's revenue growing?

Guild Holdings Co (GHLD) revenue grew by 60.2% year-over-year, from $655.2M to $1.0B in fiscal year 2024.

Is Guild Holdings Co profitable?

Yes, Guild Holdings Co (GHLD) reported a net income of $97.1M in fiscal year 2024, with a net profit margin of 9.3%.

What is Guild Holdings Co's earnings per share (EPS)?

Guild Holdings Co (GHLD) reported diluted earnings per share of $1.56 for fiscal year 2024. This represents a 343.8% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

What is Guild Holdings Co's net profit margin?

Guild Holdings Co (GHLD) had a net profit margin of 9.3% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.

Does Guild Holdings Co pay dividends?

Yes, Guild Holdings Co (GHLD) paid $0.50 per share in dividends during fiscal year 2024.

What is Guild Holdings Co's return on equity (ROE)?

Guild Holdings Co (GHLD) has a return on equity of 7.8% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.

What is Guild Holdings Co's free cash flow?

Guild Holdings Co (GHLD) generated -$669.0M in free cash flow during fiscal year 2024. This represents a -588.0% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Guild Holdings Co's operating cash flow?

Guild Holdings Co (GHLD) generated -$659.6M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.

What are Guild Holdings Co's total assets?

Guild Holdings Co (GHLD) had $4.8B in total assets as of fiscal year 2024, including both current and long-term assets.

What are Guild Holdings Co's capital expenditures?

Guild Holdings Co (GHLD) invested $9.4M in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.

Does Guild Holdings Co buy back shares?

Yes, Guild Holdings Co (GHLD) spent $1.2M on share buybacks during fiscal year 2024, returning capital to shareholders by reducing shares outstanding.

What is Guild Holdings Co's debt-to-equity ratio?

Guild Holdings Co (GHLD) had a debt-to-equity ratio of 2.80 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Guild Holdings Co's return on assets (ROA)?

Guild Holdings Co (GHLD) had a return on assets of 2.0% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.

What is Guild Holdings Co's cash runway?

Based on fiscal year 2024 data, Guild Holdings Co (GHLD) had $118.2M in cash against an annual operating cash burn of $659.6M. This gives an estimated cash runway of approximately 2 months at the current burn rate. Cash runway measures how long a company can continue operating before running out of cash, assuming no additional funding.

What is Guild Holdings Co's Piotroski F-Score?

Guild Holdings Co (GHLD) has a Piotroski F-Score of 3 out of 9, indicating weak financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Guild Holdings Co's earnings high quality?

Guild Holdings Co (GHLD) has an earnings quality ratio of -6.79x, considered low quality (accrual-driven). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Guild Holdings Co?

Guild Holdings Co (GHLD) scores 35 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.