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Upturn AI SWOT - About
GHLD 
Guild Holdings Co (GHLD)
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Upturn Advisory Summary
04/01/2025: GHLD (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit -12.74% | Avg. Invested days 45 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 950.22M USD | Price to earnings Ratio 9.84 | 1Y Target Price 15.58 |
Price to earnings Ratio 9.84 | 1Y Target Price 15.58 | ||
Volume (30-day avg) 10328 | Beta 1.01 | 52 Weeks Range 10.78 - 17.56 | Updated Date 04/1/2025 |
52 Weeks Range 10.78 - 17.56 | Updated Date 04/1/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 1.56 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-03-10 | When Before Market | Estimate 0.324 | Actual 0.32 |
Profitability
Profit Margin 8.38% | Operating Margin (TTM) 39.2% |
Management Effectiveness
Return on Assets (TTM) 3.52% | Return on Equity (TTM) 7.95% |
Valuation
Trailing PE 9.84 | Forward PE 9 | Enterprise Value 3859336960 | Price to Sales(TTM) 0.82 |
Enterprise Value 3859336960 | Price to Sales(TTM) 0.82 | ||
Enterprise Value to Revenue 0.89 | Enterprise Value to EBITDA - | Shares Outstanding 21570800 | Shares Floating 10147278 |
Shares Outstanding 21570800 | Shares Floating 10147278 | ||
Percent Insiders 52.36 | Percent Institutions 27.16 |
Analyst Ratings
Rating 3.67 | Target Price 16.58 | Buy - | Strong Buy 3 |
Buy - | Strong Buy 3 | ||
Hold 1 | Sell 2 | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Guild Holdings Co
Company Overview
History and Background
Guild Holdings Co. was founded in 1960. It has grown from a single branch to a nationwide mortgage lender, focusing on purchase loans.
Core Business Areas
- Loan Origination: Origination of residential mortgage loans, primarily purchase loans, through retail and direct channels.
- Loan Servicing: Servicing of mortgage loans, generating revenue from servicing fees, ancillary income, and interest income.
Leadership and Structure
Terry Schmidt serves as CEO. The organizational structure includes retail, direct, and servicing divisions.
Top Products and Market Share
Key Offerings
- Conventional Loans: Mortgages that are not insured or guaranteed by a government agency. Market share is reflected in overall loan origination volume. Competitors include Rocket Mortgage (RKT), United Wholesale Mortgage (UWMC), and PennyMac Financial Services (PFSI).
- Government-Insured Loans (FHA, VA, USDA): Mortgages insured or guaranteed by the federal government. Market share is reflected in overall loan origination volume. Competitors include Rocket Mortgage (RKT), United Wholesale Mortgage (UWMC), and PennyMac Financial Services (PFSI).
Market Dynamics
Industry Overview
The mortgage industry is highly competitive and cyclical, influenced by interest rates, economic conditions, and housing market trends.
Positioning
Guild focuses on purchase loans and servicing. Its competitive advantages include its retail network and focus on purchase loans.
Total Addressable Market (TAM)
The total addressable market for mortgage origination is estimated to be in the trillions of dollars annually. Guild has a relatively small percentage of this TAM. The estimated TAM for 2024 is 1.6 Trillion. (Source: Mortgage Bankers Association)
Upturn SWOT Analysis
Strengths
- Strong retail presence
- Focus on purchase loans
- Experienced management team
- Geographic diversification
Weaknesses
- Sensitivity to interest rate fluctuations
- Dependence on loan origination volume
- High competition in the mortgage industry
- Smaller market share compared to larger competitors
Opportunities
- Expansion into new markets
- Increased adoption of technology
- Growth in the purchase loan market
- Strategic acquisitions
Threats
- Rising interest rates
- Economic downturn
- Increased regulatory scrutiny
- Intense competition
Competitors and Market Share
Key Competitors
- RKT
- UWMC
- PFSI
- LDI
Competitive Landscape
Guild's advantages include its focus on purchase loans and retail network. Disadvantages include its smaller size compared to larger competitors.
Major Acquisitions
Residential Mortgage Inc
- Year: 2017
- Acquisition Price (USD millions): 0
- Strategic Rationale: Expansion of loan servicing capabilities and geographical reach.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been driven by expansion and acquisitions.
Future Projections: Future growth depends on market conditions and strategic initiatives.
Recent Initiatives: Recent initiatives include investments in technology and expansion of retail network.
Summary
Guild Holdings is a mortgage company with a focus on purchase loans. Strengths include their retail presence and experience, but they face challenges from interest rate volatility and competition. The company needs to navigate a dynamic market, focusing on technology and strategic growth. Guild is positioned to capitalize on the purchase market, but must innovate to grow its business.
Similar Companies
LDI
Loandepot Inc
LDI
Loandepot Inc
LOAN
Manhattan Bridge Capital Inc
LOAN
Manhattan Bridge Capital Inc
PFSI
PennyMac Finl Svcs Inc
PFSI
PennyMac Finl Svcs Inc
RKT
Rocket Companies Inc
RKT
Rocket Companies Inc
UWMC
UWM Holdings Corp
UWMC
UWM Holdings Corp
Sources and Disclaimers
Data Sources:
- SEC filings (10-K, 10-Q), Company Investor Relations, Mortgage Bankers Association (MBA) Data, MarketWatch, Yahoo Finance
Disclaimers:
Data is based on available information and may not be entirely accurate or up-to-date. This is not financial advice.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Guild Holdings Co
Exchange NYSE | Headquaters San Diego, CA, United States | ||
IPO Launch date 2020-10-22 | CEO & Director Ms. Terry Lynn Schmidt | ||
Sector Financial Services | Industry Mortgage Finance | Full time employees 5270 | Website https://www.guildmortgage.com |
Full time employees 5270 | Website https://www.guildmortgage.com | ||
Guild Holdings Company, through its subsidiary, originates, sells, and services residential mortgage loans in the United States. The company operates in two segments, Origination and Servicing. It is involved in loan origination, and acquisition and sale activities; servicing activities, including collection and remittance of loan payments, managing borrower's impound accounts for taxes and insurance, loan payoffs, loss mitigation, and foreclosure activities. Guild Holdings Company was founded in 1960 and is headquartered in San Diego, California.
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