Guild Holdings Co is a growth-oriented mortgage company. It operates in two segments; The origination segment operates its loan origination business throughout the United States. It is responsible for loan origination, acquisition, and sale activities. This segment is further divided into retail and correspondent channel, and The servicing segment provides a steady stream of cash flow to support the origination segment more importantly it allows for the Company to build long-standing client relationships that drive repeat and referral business back to the origination segment to recapture the client's next mortgage transaction. It is responsible for the servicing activities of all loans in its servicing portfolio. It generates a majority of its revenue from the Origination segment.

Financial Strength

4/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	0.23
Equity-to-Asset	0.32
Debt-to-Equity	0.45
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Beneish M-Score	-2.29	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

2/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	-26.2
	3-Year FCF Growth Rate	41.4
	3-Year Book Growth Rate	16.4

Momentum Rank

9/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	36.33
	9-Day RSI	33.04
	14-Day RSI	37.69
	6-1 Month Momentum %	40.77
	12-1 Month Momentum %	49.2

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	3-Year Average Share Buyback Ratio	-0.6
	Shareholder Yield %	-9.83

Profitability Rank

3/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	-5.88
	FCF Margin %	-14.65
	ROE %	-3.16
	ROA %	-1.14
	Years of Profitability over Past 10-Year	5

GF Value Rank

1/10

	Name	Current	Vs Industry		Vs History
	Forward PE Ratio	7.8
	PS Ratio	1.25
	PB Ratio	0.7
	EV-to-Revenue	1.87
	EV-to-Forward-Revenue	0.55
	EV-to-FCF	-12.67
	FCF Yield %	-11.67

GF Value: $6.07

GHLD

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