Guild Holdings Company(GHLD)

$20.01—

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Guild Holdings Company(GHLD)

NYSE

$20.01—

Ask SA Chart Studio

GHLD(GHLD)

GHLD

9/17/26

Guild (GHLD)

Thursday

11:01 AM

ThesisThe company's strategic investments in technology and market expansion are expected to enhance its competitive position and drive revenue growth…

Revenue Outlook

Metric	FY2024	FY2025E	FY2026E
Revenue	$1.2B	$1.1B	$1.3B
Rev. Growth	+60.9%	-4.0%	+19.3%
EPS	$1.58	$2.00	$1.96
EPS Growth	+347%	+26.3%	-2.0%
P/E (fwd)	12.7×	10.0×	10.2×

★ Analysts see FY2026 revenue reaching $1.3B — +19.3% growth in a single year.

What’s Driving the Stock

01Guild's recent investment in AI-driven underwriting technology has the potential to reduce processing times by 30%, enhancing customer satisfaction and operational efficiency.
02The company has expanded its footprint into underserved markets in the Midwest, targeting a 25% increase in market share over the next two years.
03Guild's partnership with a leading real estate platform could drive a 15% increase in referral business, significantly boosting origination volumes.
04A potential regulatory easing in mortgage lending standards could unlock new customer segments, leading to a projected 20% increase in new applications.
05Digital transformation in mortgage lending
06Increased focus on customer experience in financial services
07Changes in mortgage rates impacting origination volumes
08Trends in housing market activity, particularly home sales and refinancing

FY2024 Snapshot

Revenue: $1.2B
Rev. Growth: +60.9%
Gross Margin: 90.6%
Op. Margin: 10.1%
Net Margin: 8.3%
Net Income: $97M
NI Growth: +349%
EPS: $1.58
1Y Return: +54.3%

GHLD Chart

My Notes

"Our focus on technology and underserved markets positions us well for future growth."
Moat: Guild's competitive advantage is supported by its technology-driven approach and strong brand recognition in the mortgage sector.
growth - the significant revenue and net income growth rates indicate strong market potential and investor interest in expansion.
Rising interest rates can negatively impact demand for refinancing and new mortgage originations, leading to reduced revenues.
Watch on earnings: Mortgage origination volume, 30-Year Fixed Mortgage Rate, Consumer Sentiment Index.

One Sentence Summary:

The bull case is simple: analysts see revenue climbing from $1.1B to $1.3B as guild's recent investment in ai-driven underwriting technology has the potential to reduce processing times by 30%.

Auto-composed from Stock Alarm intelligence, financial statements, and analyst estimates. Not investment advice.

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Metric

FY2024

FY2025E

FY2026E

P/E (fwd)

12.7×

10.0×

10.2×

What’s Driving the Stock

01Guild's recent investment in AI-driven underwriting technology has the potential to reduce processing times by 30%, enhancing customer satisfaction and operational efficiency.

02The company has expanded its footprint into underserved markets in the Midwest, targeting a 25% increase in market share over the next two years.

03Guild's partnership with a leading real estate platform could drive a 15% increase in referral business, significantly boosting origination volumes.

04A potential regulatory easing in mortgage lending standards could unlock new customer segments, leading to a projected 20% increase in new applications.

05Digital transformation in mortgage lending

06Increased focus on customer experience in financial services

07Changes in mortgage rates impacting origination volumes

08Trends in housing market activity, particularly home sales and refinancing

My Notes

"Our focus on technology and underserved markets positions us well for future growth."

Moat: Guild's competitive advantage is supported by its technology-driven approach and strong brand recognition in the mortgage sector.

growth - the significant revenue and net income growth rates indicate strong market potential and investor interest in expansion.

Rising interest rates can negatively impact demand for refinancing and new mortgage originations, leading to reduced revenues.

Watch on earnings: Mortgage origination volume, 30-Year Fixed Mortgage Rate, Consumer Sentiment Index.