Guild Holdings Co Financials
Guild Holdings Co (GHLD) reported $1.0B in revenue for fiscal year 2024, up 60.2% from the prior fiscal year. This page shows its 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).
Guild's FY2024 profit rebound masked a cash-consuming operating model that still depended on external financing to keep liquidity steady.
FY2024 showed net income of$97M alongside operating cash flow of-$660M , so reported profitability did not convert into cash. Because free cash flow was nearly the same at-$669M and capex was only$9M , the drain came from the operating balance sheet rather than from heavy reinvestment.
Financing inflow of
The recent pattern is a sharp reversal from FY2021-FY2022, when operating cash flow was positive in both periods and reached
Financial Health Signals
Guild Holdings Co does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.
Guild Holdings Co passes 3 of 5 computable financial strength tests (4 of the nine could not be computed from available data). 2 of 4 profitability signals pass, both operating efficiency signals pass.
For every $1 of reported earnings, Guild Holdings Co used $6.79 of operating cash (-$659.6M OCF vs $97.1M net income). Earnings that no cash stands behind rest on accounting accruals, which cannot be repeated indefinitely.
Key Financial Metrics
Earnings & Revenue
Guild Holdings Co generated $1.0B in revenue in fiscal year 2024. This represents an increase of 60.2% from the prior year.
Guild Holdings Co reported $97.1M in net income in fiscal year 2024. This represents an increase of 349.0% from the prior year.
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.
Not reported for fiscal year 2024.
Cash & Balance Sheet
Guild Holdings Co recorded an outflow of $669.0M in free cash flow in fiscal year 2024, representing a cash shortfall after capex. This represents a decrease of 588.0% from the prior year.
Guild Holdings Co held $118.2M in cash as of fiscal year 2024; long-term debt is not reported for that period.
Guild Holdings Co paid $0.50 per share in dividends in fiscal year 2024. That is unchanged from the prior year.
Margins & Returns
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.
Guild Holdings Co's ROE was 7.8% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is up 11.1 percentage points from the prior year.
Not reported for fiscal year 2024.
Not reported for fiscal year 2024.
Capital Allocation
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.
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.
Not reported for fiscal year 2024.
GHLD Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 |
|---|---|---|---|---|---|---|---|
| Revenue | $1.2B | $1.0B+60.2% | $655.2M-43.8% | $1.2B-26.1% | $1.6B-2.8% | $1.6B+127.5% | $712.9M |
| SG&A Expenses | $112.7M | $107.1M+28.7% | $83.2M+118.5% | $38.1M-58.3% | $91.3M-10.5% | $101.9M+59.3% | $64.0M |
| Interest Expense | $111.6M | $109.8M+65.5% | $66.4M+34.8% | $49.2M-20.1% | $61.6M+2.4% | $60.2M+8.6% | $55.4M |
| Income Tax | $37.8M | $22.1M+416.3% | -$7.0M-107.7% | $91.4M-11.4% | $103.1M-16.5% | $123.5M+48711.5% | $253K |
| Net Income | $126.0M | $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 |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.
TTM is the trailing twelve months, Q4 FY2024 through Q3 FY2025, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
GHLD Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| 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 |
| Cash & Equivalents | $118.2M-1.7% | $120.3M-12.8% | $137.9M-43.3% | $243.1M-27.3% | $334.6M+228.9% | $101.7M |
| 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 |
| 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 |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Long-Term Debt.
GHLD Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 |
|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $33.9M | -$659.6M-619.2% | -$91.7M-107.3% | $1.3B+85.1% | $680.5M+245.4% | -$468.0M-10.2% | -$424.7M |
| Capital Expenditures | $9.1M | $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 | $24.9M | -$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 | -$127.2M | -$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 | $98.2M | $809.7M+287.5% | $208.9M+115.4% | -$1.4B-102.9% | -$667.3M-192.8% | $719.0M+49.1% | $482.2M |
| Dividends Paid | $46.5M | $30.7M+0.7% | $30.5M | $0-100.0% | $121.1M+225.7% | $37.2M+14.4% | $32.5M |
| Share Buybacks | $1.7M | $1.2M-64.1% | $3.3M-41.3% | $5.6M | $0 | N/A | $8.0M |
TTM is the trailing twelve months, Q4 FY2024 through Q3 FY2025, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
GHLD Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples.
| Metric | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 |
|---|---|---|---|---|---|---|
| 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%+11.1pp | -3.3%-29.6pp | 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% |
| Debt-to-Equity | 2.80+0.7x | 2.11+0.5x | 1.59-2.2x | 3.76-1.8x | 5.55+0.1x | 5.42 |
| FCF Margin | -63.7%-48.9pp | -14.8% | 107.8% | 42.9%+72.2pp | -29.4%+30.7pp | -60.1% |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: FCF Margin.
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Where Guild Holdings Co Ranks
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 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) recorded an outflow of $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) recorded an outflow of $659.6M in operating cash flow during fiscal year 2024, representing cash used by 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.
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 5 computable signals; 4 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Guild Holdings Co's earnings high quality?
For every $1 of reported earnings, Guild Holdings Co (GHLD) used $6.79 of operating cash (-$659.6M OCF vs $97.1M net income). Earnings that no cash stands behind rest on accounting accruals, which cannot be repeated indefinitely. 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.