Guild Holdings Co (Guild Holdings Co) Debt-to-Equity : 0.45 (As of Dec. 2023)

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What is Guild Holdings Co Debt-to-Equity?

Guild Holdings Co's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2023 was $30.0 Mil. Guild Holdings Co's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2023 was $496.8 Mil. Guild Holdings Co's Total Stockholders Equity for the quarter that ended in Dec. 2023 was $1,183.2 Mil. Guild Holdings Co's debt to equity for the quarter that ended in Dec. 2023 was 0.45.

A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.

The historical rank and industry rank for Guild Holdings Co's Debt-to-Equity or its related term are showing as below:

GHLD' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.33 Med: 0.41 Max: 0.74
Current: 0.45

During the past 6 years, the highest Debt-to-Equity Ratio of Guild Holdings Co was 0.74. The lowest was 0.33. And the median was 0.41.

GHLD's Debt-to-Equity is ranked better than
63.53% of 1393 companies
in the Banks industry
Industry Median: 0.69 vs GHLD: 0.45

Guild Holdings Co Debt-to-Equity Historical Data

The historical data trend for Guild Holdings Co's Debt-to-Equity can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Guild Holdings Co Debt-to-Equity Chart

Guild Holdings Co Annual Data

Trend

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Debt-to-Equity

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0.55

0.33

0.38

0.74

0.45

Guild Holdings Co Quarterly Data
	Dec18	Jun19	Sep19	Dec19	Mar20	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23
Debt-to-Equity	Get a 7-Day Free Trial															0.74	0.80	1.01	0.89	0.45

Competitive Comparison of Guild Holdings Co's Debt-to-Equity

For the Mortgage Finance subindustry, Guild Holdings Co's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Guild Holdings Co's Debt-to-Equity Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Guild Holdings Co's Debt-to-Equity distribution charts can be found below:

* The bar in red indicates where Guild Holdings Co's Debt-to-Equity falls into.

Guild Holdings Co Debt-to-Equity Calculation

Debt to Equity measures the financial leverage a company has.

Guild Holdings Co's Debt to Equity Ratio for the fiscal year that ended in Dec. 2023 is calculated as

Debt to Equity	=	Total Debt			/	Total Stockholders Equity
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Total Stockholders Equity
	=	(30	+	496.781)	/	1183.156
	=	0.45

Guild Holdings Co's Debt to Equity Ratio for the quarter that ended in Dec. 2023 is calculated as

Debt to Equity	=	Total Debt			/	Total Stockholders Equity
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Total Stockholders Equity
	=	(30	+	496.781)	/	1183.156
	=	0.45

Guild Holdings Co (NYSE:GHLD) Debt-to-Equity Explanation

In the calculation of Debt to Equity, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Stockholders Equity. In some calculations, Total Liabilities is used to for calculation.

Be Aware

Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.

Guild Holdings Co Debt-to-Equity Related Terms

Thank you for viewing the detailed overview of Guild Holdings Co's Debt-to-Equity provided by GuruFocus.com. Please click on the following links to see related term pages.

Guild Holdings Co (Guild Holdings Co) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Guild Holdings Co (NYSE:GHLD) » Definitions » Debt-to-Equity

Comparable Companies

Traded in Other Exchanges

N/A

Address

5887 Copley Drive, San Diego, CA, USA, 92111

Website

https://www.guildmortgage.com

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.

Executives

Martha E. Marcon	director	4484 WILSHIRE BLVD, LOS ANGELES CA 90010
Edward Jr Bryant	director	5887 COPLEY DRIVE, SAN DIEGO CA 92111
Gioia Messinger	director	VICON INDUSTRIES, INC., 135 FELL COURT, HAUPPAUGE NY 11788
Patrick Joseph Duffy	director, 10 percent owner	5887 COPLEY DRIVE, SAN DIEGO CA 92111
Lisa Irene Klika	officer: SEE REMARKS	5887 COPLEY DRIVE, SAN DIEGO CA 92111
David Manuel Neylan	officer: See Remarks	5887 COPLEY DRIVE, SAN DIEGO CA 92111
Mary Ann Mcgarry	director, 10 percent owner, officer: CHIEF EXECUTIVE OFFICER	5887 COPLEY DRIVE, SAN DIEGO CA 92111
Terry Lynn Schmidt	director, 10 percent owner, officer: PRESIDENT	5887 COPLEY DRIVE, SAN DIEGO CA 92111
Barrett Horn	officer: See Remarks	5887 COPLEY DRIVE, SAN DIEGO CA 92111
Desiree Amber Elwell	officer: See Remarks	5887 COPLEY DRIVE, SAN DIEGO CA 92111
Mccarthy Partners, Llc	10 percent owner	1601 DODGE STREET, SUITE 3800, OMAHA NE 68102
Mcgarry Strategic Enterprises, Llc	10 percent owner	10666 FRANK DANIEL WAY, SAN DIEGO CA 92131
Mccarthy Capital Mortgage Investors, Llc	10 percent owner	1601 DODGE ST., SUITE 3800, OMAHA NE 68102
Michael Charles Meyer	director	5887 COPLEY DRIVE, SAN DIEGO CA 92111
Mccarthy Partners Management, Llc	10 percent owner	1601 DODGE STREET, SUITE 3800, OMAHA NE 68102