What is Guild Holdings Co Financial Strength?
Guild Holdings Co has the Financial Strength Rank of 3. It displays poor financial strength and is likely in financial distress. Usually this is caused by too much debt for the company.
Warning Sign:
Guild Holdings Co displays poor financial strength. Usually, this is caused by too much debt for the company.
GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is based on these factors:
1. The debt burden that the company has as measured by its
Interest Coverage (current year). The higher, the better.
2. Debt to revenue ratio. The lower, the better.
3.
Altman Z-Score.
GuruFocus does not calculate Guild Holdings Co's interest coverage with the available data.
Guild Holdings Co's debt to revenue ratio for the quarter that ended in Dec. 2023 was 2.28.
Altman Z-Score does not apply to banks and insurance companies.
Guild Holdings Co Financial Strength Calculation
GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is based on these factors
A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.
1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
Guild Holdings Co's Interest Expense for the
months ended in Dec. 2023 was $-18.5 Mil. Its Operating Income for the
months ended in Dec. 2023 was $0.0 Mil. And its Long-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2023 was $496.8 Mil.
Guild Holdings Co's Interest Coverage for the quarter that ended in Dec. 2023 is
The higher the ratio, the stronger the company's financial strength is.
2. Debt to revenue ratio. The lower, the better.
Guild Holdings Co's Debt to Revenue Ratio for the quarter that ended in Dec. 2023 is
3. Altman Z-Score.
Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.
The zones of discrimination were as such:
When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.
Altman Z-Score does not apply to banks and insurance companies.
* 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.
Guild Holdings Co (Guild Holdings Co) Business Description
Traded in Other Exchanges
N/A
Address
5887 Copley Drive, San Diego, CA, USA, 92111
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 |
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