This company has been marked as potentially delisted and may not be actively trading.

Guild (GHLD) Financials

Annual Income Statements for Guild

This table shows Guild's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2019	2020	2021	2022	2023	2024
Period end date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Net Income / (Loss) Attributable to Common Shareholders	5.58	371	284	329	-39	97
Consolidated Net Income / (Loss)	5.58	371	284	329	-39	97
Net Income / (Loss) Continuing Operations	5.58	371	284	329	-39	97
Total Pre-Tax Income	5.83	494	387	420	-46	119
Total Operating Income	-140	554	448	469	20	229
Total Gross Profit	189	728	652	304	192	390
Total Revenue	821	1,682	1,739	995	722	1,197
Operating Revenue	821	1,682	1,739	995	722	1,197
Total Cost of Revenue	632	954	1,087	691	530	807
Operating Cost of Revenue	632	954	1,087	691	530	807
Total Operating Expenses	329	174	204	-165	171	161
Selling, General & Admin Expense	64	159	91	38	156	107
Depreciation Expense	7.33	7.50	11	16	15	15
Other Operating Expenses / (Income)	258	7.70	101	-219	1.19	39
Total Other Income / (Expense), net	146	-60	-62	-49	-66	-110
Interest Expense	55	60	62	49	66	110
Income Tax Expense	0.25	123	103	91	-6.99	22
Net Income / (Loss) Attributable to Noncontrolling Interest	-	0.00	0.01	0.03	-0.13	-0.20
Basic Earnings per Share	$0.00	$6.18	$4.69	$5.39	($0.64)	$1.58
Weighted Average Basic Shares Outstanding	0.00	60M	60.51M	60.98M	60.97M	61.40M
Diluted Earnings per Share	$0.00	$6.17	$4.67	$5.35	($0.64)	$1.56
Weighted Average Diluted Shares Outstanding	0.00	60.06M	60.83M	61.38M	60.97M	62.11M
Weighted Average Basic & Diluted Shares Outstanding	-	60M	61.06M	60.89M	61.10M	61.90M
Cash Dividends to Common per Share	-	-	$2.00	-	$0.50	$0.50

This table shows Guild's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025
Period end date	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025
Net Income / (Loss) Attributable to Common Shareholders	-37	37	54	-93	28	38	-67	98	-24	19	33
Consolidated Net Income / (Loss)	-37	37	54	-93	28	38	-67	98	-24	19	33
Net Income / (Loss) Continuing Operations	-37	37	54	-93	28	38	-67	98	-24	19	33
Total Pre-Tax Income	-51	50	74	-119	39	45	-93	129	-32	21	46
Total Operating Income	-39	68	93	-102	55	73	-59	160	-9.55	50	75
Total Gross Profit	42	109	134	-94	68	103	117	162	95	106	138
Total Revenue	171	254	277	20	228	312	338	441	290	309	365
Operating Revenue	171	254	277	20	228	312	338	441	290	309	365
Total Cost of Revenue	129	145	143	114	160	209	221	279	195	203	227
Operating Cost of Revenue	129	145	143	114	160	209	221	279	195	203	227
Total Operating Expenses	81	41	41	7.93	13	29	176	2.17	105	56	63
Selling, General & Admin Expense	21	39	37	59	29	28	27	-39	29	51	29
Depreciation Expense	3.74	3.66	3.66	3.52	3.75	3.97	3.75	3.66	3.65	3.61	3.53
Other Operating Expenses / (Income)	56	-1.04	0.08	-54	-20	-2.92	146	38	72	1.45	30
Total Other Income / (Expense), net	-12	-17	-19	-17	-17	-29	-33	-31	-22	-29	-29
Interest Expense	12	17	19	17	17	29	33	31	22	29	29
Income Tax Expense	-14	14	19	-26	10	6.94	-26	31	-7.67	1.88	13
Net Income / (Loss) Attributable to Noncontrolling Interest	-0.01	0.00	-0.01	-0.12	-0.10	0.01	-0.06	-0.05	-0.06	0.00	0.02
Basic Earnings per Share	($0.61)	$0.61	$0.89	($1.53)	$0.47	$0.61	($1.09)	$1.59	($0.39)	$0.30	$0.54
Weighted Average Basic Shares Outstanding	60.90M	60.96M	60.96M	60.97M	61.11M	61.34M	61.39M	61.40M	61.91M	62.17M	62.25M
Diluted Earnings per Share	($0.61)	$0.60	$0.88	($1.51)	$0.46	$0.60	($1.09)	$1.59	($0.39)	$0.30	$0.53
Weighted Average Diluted Shares Outstanding	60.90M	61.80M	61.91M	60.97M	62.16M	62.39M	61.39M	62.11M	61.91M	62.62M	62.81M
Weighted Average Basic & Diluted Shares Outstanding	60.96M	60.96M	61.10M	61.10M	61.34M	61.39M	61.89M	61.90M	62.21M	62.25M	62.28M
Cash Dividends to Common per Share	-	-	$0.50	-	-	$0.50	-	-	-	-	$0.25

This table details how cash moves in and out of Guild's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2019	2020	2021	2022	2023	2024
Period end date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Net Change in Cash & Equivalents	44	233	-92	-101	-19	-2.33
Net Cash From Operating Activities	-425	-468	680	1,260	-92	-660
Net Cash From Continuing Operating Activities	-425	-468	680	1,260	-92	-660
Net Income / (Loss) Continuing Operations	5.58	371	284	329	-39	97
Consolidated Net Income / (Loss)	5.58	371	284	329	-39	97
Depreciation Expense	7.33	7.50	11	16	15	15
Amortization Expense	0.00	19	22	16	21	23
Non-Cash Adjustments To Reconcile Net Income	-434	-888	417	891	-64	-765
Changes in Operating Assets and Liabilities, net	-3.54	24	-54	8.19	-24	-29
Net Cash From Investing Activities	-13	-18	-105	-7.18	-137	-152
Net Cash From Continuing Investing Activities	-13	-18	-105	-7.18	-137	-152
Purchase of Property, Plant & Equipment	-3.71	-8.23	-4.61	-3.68	-5.51	-9.37
Acquisitions	-8.82	0.00	-100	-3.50	-8.03	-18
Purchase of Investments	-	-	-	0.00	-2.00	0.00
Sale and/or Maturity of Investments	-	-	-	0.00	10	41
Other Investing Activities, net	-1.04	-9.83	-	0.00	-131	-167
Net Cash From Financing Activities	482	719	-667	-1,354	209	810
Net Cash From Continuing Financing Activities	482	719	-667	-1,354	209	810
Repayment of Debt	-20,761	-33,729	-38,657	-20,252	-14,507	-23,196
Repurchase of Common Equity	-7.99	-4.50	0.00	-5.58	-3.27	-1.18
Payment of Dividends	-33	-37	-121	0.00	-30	-31
Issuance of Debt	21,289	34,496	38,111	18,913	14,752	24,042
Other Financing Activities, net	-5.25	-6.34	0.00	-8.40	-2.34	-4.83
Cash Interest Paid	40	46	46	30	15	45
Cash Income Taxes Paid	14	50	121	-14	-22	-5.35

This table details how cash moves in and out of Guild's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025
Period end date	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025
Net Change in Cash & Equivalents	7.27	-42	6.05	9.50	-26	6.00	3.97	13	-4.72	-5.91	2.26
Net Cash From Operating Activities	-30	-286	205	19	-261	-589	-11	202	181	-428	79
Net Cash From Continuing Operating Activities	-30	-286	205	19	-261	-589	-11	202	181	-428	79
Net Income / (Loss) Continuing Operations	-37	37	54	-93	28	38	-67	98	-24	19	33
Consolidated Net Income / (Loss)	-37	37	54	-93	28	38	-67	98	-24	19	33
Depreciation Expense	3.74	3.66	3.66	3.52	3.75	3.97	3.75	3.66	3.65	3.61	3.53
Amortization Expense	5.47	5.42	5.33	5.21	5.41	5.90	5.72	5.61	5.45	5.19	5.08
Non-Cash Adjustments To Reconcile Net Income	21	-337	121	130	-278	-655	69	99	203	-458	48
Changes in Operating Assets and Liabilities, net	-22	4.32	21	-27	-21	18	-23	-3.66	-7.57	2.61	-11
Net Cash From Investing Activities	-15	-39	-51	-31	-41	-44	-31	-37	-31	-26	-34
Net Cash From Continuing Investing Activities	-15	-39	-51	-31	-41	-44	-31	-37	-31	-26	-34
Purchase of Property, Plant & Equipment	-1.07	-1.35	-2.22	-0.87	-0.59	-3.43	-3.35	-2.00	-2.28	-2.96	-1.82
Sale and/or Maturity of Investments	0.00	-	0.73	9.36	9.19	14	8.94	8.86	9.26	9.57	10
Other Investing Activities, net	-11	-35	-47	-37	-32	-55	-36	-44	-38	-32	-42
Net Cash From Financing Activities	52	283	-148	21	277	640	45	-152	-155	448	-43
Net Cash From Continuing Financing Activities	52	283	-148	21	277	640	45	-152	-155	448	-43
Repayment of Debt	-2,609	-4,038	-4,431	-3,429	-3,630	-5,902	-6,849	-6,815	-5,152	-6,810	-7,193
Payment of Dividends	-	-	-30	-	0.00	-	-	-	-31	-	-16
Issuance of Debt	2,662	4,322	4,315	3,453	3,907	6,574	6,894	6,667	5,029	7,260	7,166
Other Financing Activities, net	-0.00	-0.52	-	-1.82	0.00	-1.09	-0.12	-3.63	-0.25	-1.98	-0.24
Cash Interest Paid	3.00	4.17	4.92	3.27	3.53	11	16	15	8.85	13	15
Cash Income Taxes Paid	-2.23	0.09	-15	-4.63	-0.36	-2.11	-3.00	0.12	-0.78	0.20	0.09

This table presents Guild's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2019	2020	2021	2022	2023	2024
Period end date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Total Assets	2,607	4,818	4,383	3,240	3,677	4,768
Total Current Assets	136	378	311	196	120	118
Cash & Equivalents	102	335	243	138	120	118
Plant, Property, & Equipment, net	0.00	0.00	0.00	0.00	14	19
Total Noncurrent Assets	1,648	4,440	4,072	3,043	3,543	4,631
Noncurrent Note & Lease Receivables	-	-	-	-	316	452
Goodwill	63	63	175	177	211	226
Other Noncurrent Operating Assets	1,585	4,377	3,856	2,834	3,015	3,953
Total Liabilities & Shareholders' Equity	2,607	4,818	4,383	3,240	3,677	4,768
Total Liabilities	2,201	4,082	3,463	1,990	2,493	3,514
Total Current Liabilities	48	41	57	34	63	92
Accounts Payable	35	41	57	34	63	92
Total Noncurrent Liabilities	1,725	4,041	3,406	1,956	2,430	3,422
Long-Term Debt	1,528	2,294	2,180	1,490	149	300
Noncurrent Deferred & Payable Income Tax Liabilities	86	89	142	233	225	251
Other Noncurrent Operating Liabilities	13	1,462	907	108	2,056	2,870
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	406	736	920	1,249	1,183	1,254
Total Preferred & Common Equity	406	736	920	1,249	1,183	1,254
Preferred Stock	0.00	0.00	0.00	0.00	0.00	0.00
Total Common Equity	406	736	920	1,249	1,183	1,254
Common Stock	22	19	43	43	48	53
Retained Earnings	384	717	877	1,206	1,135	1,201
Noncontrolling Interest	-	0.00	0.03	0.07	0.34	0.49

This table presents Guild's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q2 2022	Q3 2022	Q1 2023	Q2 2023	Q3 2023	Q1 2024	Q2 2024	Q3 2024	Q1 2025	Q2 2025	Q3 2025
Period end date	6/30/2022	9/30/2022	3/31/2023	6/30/2023	9/30/2023	3/31/2024	6/30/2024	9/30/2024	3/31/2025	6/30/2025	9/30/2025
Total Assets	3,601	3,344	3,182	3,533	3,497	3,956	4,580	4,644	4,550	5,034	5,097
Total Current Assets	273	194	210	171	178	95	102	106	112	107	106
Cash & Equivalents	249	162	148	106	114	95	102	106	112	107	106
Plant, Property, & Equipment, net	0.00	0.00	0.00	0.00	0.00	14	16	18	20	22	22
Total Noncurrent Assets	3,328	3,150	2,972	3,362	3,319	3,846	4,461	4,520	4,418	4,905	4,968
Noncurrent Note & Lease Receivables	-	-	-	-	-	348	376	409	482	517	558
Goodwill	173	173	182	185	186	233	230	228	224	222	219
Other Noncurrent Operating Assets	3,118	2,941	2,758	3,111	3,024	3,265	3,855	3,883	3,712	4,166	4,191
Total Liabilities & Shareholders' Equity	3,601	3,344	3,182	3,533	3,497	3,956	4,580	4,644	4,550	5,034	5,097
Total Liabilities	2,413	2,079	1,968	2,281	2,220	2,742	3,357	3,487	3,349	3,815	3,859
Total Current Liabilities	44	41	37	34	33	75	80	90	89	104	117
Accounts Payable	44	41	37	34	33	75	80	90	89	104	117
Total Noncurrent Liabilities	2,369	2,038	1,932	2,248	2,186	2,667	3,277	3,397	3,260	3,712	3,743
Long-Term Debt	1,886	933	892	1,776	1,699	1,243	1,888	1,889	340	318	339
Noncurrent Deferred & Payable Income Tax Liabilities	228	241	220	233	251	234	245	221	243	241	254
Other Noncurrent Operating Liabilities	114	735	701	110	108	1,190	1,145	1,287	2,677	3,152	3,150
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	1,188	1,266	1,213	1,251	1,277	1,214	1,222	1,158	1,200	1,218	1,238
Total Preferred & Common Equity	1,188	1,266	1,213	1,251	1,276	1,214	1,222	1,157	1,200	1,218	1,237
Preferred Stock	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Common Equity	1,188	1,266	1,213	1,251	1,276	1,214	1,222	1,157	1,200	1,218	1,237
Common Stock	44	45	45	46	48	50	52	54	54	53	55
Retained Earnings	1,143	1,221	1,169	1,206	1,228	1,164	1,170	1,103	1,146	1,164	1,182
Noncontrolling Interest	0.07	0.06	0.06	0.06	0.48	0.61	0.62	0.54	0.43	0.43	0.44

This table displays calculated financial ratios and metrics derived from Guild's official financial filings.

Metric	2019	2020	2021	2022	2023	2024
Period end date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Growth Metrics	-	-	-	-	-	-
Revenue Growth	0.00%	104.94%	3.40%	-42.78%	-27.50%	65.84%
EBITDA Growth	0.00%	5,841.82%	-17.08%	4.06%	-88.77%	374.18%
EBIT Growth	0.00%	22,670.67%	-19.17%	4.74%	-95.69%	1,031.32%
NOPAT Growth	0.00%	409.80%	-20.96%	11.74%	-96.14%	1,215.83%
Net Income Growth	0.00%	6,544.74%	-23.42%	15.80%	-111.91%	347.67%
EPS Growth	0.00%	0.00%	-24.31%	14.56%	-111.96%	343.75%
Operating Cash Flow Growth	0.00%	-10.20%	245.38%	85.11%	-107.28%	-619.18%
Free Cash Flow Firm Growth	0.00%	0.00%	119.80%	273.99%	125.35%	-102.67%
Invested Capital Growth	0.00%	87.38%	6.01%	-8.95%	-53.41%	18.47%
Revenue Q/Q Growth	0.00%	0.00%	8.53%	-27.97%	-13.69%	54.34%
EBITDA Q/Q Growth	0.00%	0.00%	-21.25%	-23.57%	-61.61%	6,439.43%
EBIT Q/Q Growth	0.00%	0.00%	-23.72%	-23.94%	-81.90%	790.37%
NOPAT Q/Q Growth	0.00%	0.00%	-25.52%	-22.07%	-83.76%	902.97%
Net Income Q/Q Growth	0.00%	0.00%	-11.43%	-14.81%	-200.39%	203.03%
EPS Q/Q Growth	0.00%	0.00%	-54.04%	-14.67%	-201.59%	201.30%
Operating Cash Flow Q/Q Growth	0.00%	-128.97%	-5.36%	15.32%	-185.20%	21.73%
Free Cash Flow Firm Q/Q Growth	0.00%	0.00%	0.00%	-45.61%	314.10%	79.68%
Invested Capital Q/Q Growth	0.00%	0.00%	5.40%	27.72%	-56.40%	-51.18%
Profitability Metrics	-	-	-	-	-	-
Gross Margin	23.02%	43.30%	37.50%	30.58%	26.57%	32.58%
EBITDA Margin	1.19%	34.50%	27.66%	50.32%	7.79%	22.29%
Operating Margin	-17.09%	32.95%	25.76%	47.15%	2.80%	19.13%
EBIT Margin	0.30%	32.95%	25.76%	47.15%	2.80%	19.13%
Profit (Net Income) Margin	0.68%	22.03%	16.32%	33.02%	-5.42%	8.10%
Tax Burden Percent	95.66%	75.01%	73.34%	78.24%	84.84%	81.42%
Interest Burden Percent	239.52%	89.14%	86.37%	89.51%	-228.00%	52.01%
Effective Tax Rate	4.34%	25.00%	26.66%	21.76%	0.00%	18.58%
Return on Invested Capital (ROIC)	-9.33%	20.11%	11.84%	13.45%	0.74%	14.08%
ROIC Less NNEP Spread (ROIC-NNEP)	4.21%	17.10%	9.54%	11.11%	-6.98%	-70.97%
Return on Net Nonoperating Assets (RNNOA)	10.70%	44.78%	22.44%	16.85%	-3.96%	-6.12%
Return on Equity (ROE)	1.37%	64.90%	34.27%	30.30%	-3.22%	7.95%
Cash Return on Invested Capital (CROIC)	0.00%	-40.70%	6.00%	22.82%	73.62%	-2.83%
Operating Return on Assets (OROA)	0.09%	14.93%	9.74%	12.31%	0.59%	5.42%
Return on Assets (ROA)	0.21%	9.98%	6.17%	8.62%	-1.13%	2.30%
Return on Common Equity (ROCE)	1.37%	64.90%	34.27%	30.30%	-3.22%	7.95%
Return on Equity Simple (ROE_SIMPLE)	1.37%	50.35%	30.85%	26.31%	-3.31%	7.73%
Net Operating Profit after Tax (NOPAT)	-134	416	329	367	14	186
NOPAT Margin	-16.35%	24.71%	18.89%	36.89%	1.96%	15.57%
Net Nonoperating Expense Percent (NNEP)	-13.54%	3.02%	2.30%	2.34%	7.72%	85.05%
Return On Investment Capital (ROIC_SIMPLE)	-	-	-	-	1.06%	11.99%
Cost of Revenue to Revenue	76.98%	56.70%	62.50%	69.42%	73.43%	67.42%
SG&A Expenses to Revenue	7.80%	9.45%	5.25%	3.83%	21.58%	8.95%
R&D to Revenue	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Operating Expenses to Revenue	40.11%	10.36%	11.74%	-16.57%	23.76%	13.45%
Earnings before Interest and Taxes (EBIT)	2.43	554	448	469	20	229
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	9.77	580	481	501	56	267
Valuation Ratios	-	-	-	-	-	-
Price to Book Value (P/BV)	0.24	0.39	0.86	0.46	0.70	0.70
Price to Tangible Book Value (P/TBV)	0.28	0.43	1.13	0.55	0.85	0.85
Price to Revenue (P/Rev)	0.12	0.17	0.46	0.57	1.15	0.73
Price to Earnings (P/E)	17.48	0.78	2.80	1.74	0.00	8.99
Dividend Yield	0.00%	0.00%	7.69%	0.00%	3.68%	7.09%
Earnings Yield	5.72%	127.81%	35.74%	57.54%	0.00%	11.12%
Enterprise Value to Invested Capital (EV/IC)	1.06	0.83	0.96	0.74	0.71	0.74
Enterprise Value to Revenue (EV/Rev)	1.86	1.34	1.57	1.93	1.19	0.88
Enterprise Value to EBITDA (EV/EBITDA)	155.99	3.88	5.68	3.84	15.28	3.96
Enterprise Value to EBIT (EV/EBIT)	625.95	4.06	6.10	4.10	42.47	4.61
Enterprise Value to NOPAT (EV/NOPAT)	0.00	5.41	8.31	5.24	60.68	5.66
Enterprise Value to Operating Cash Flow (EV/OCF)	0.00	0.00	4.01	1.53	0.00	0.00
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	16.40	3.09	0.61	0.00
Leverage & Solvency	-	-	-	-	-	-
Debt to Equity	3.76	3.12	2.37	1.19	0.13	0.24
Long-Term Debt to Equity	3.76	3.12	2.37	1.19	0.13	0.24
Financial Leverage	2.54	2.62	2.35	1.52	0.57	0.09
Leverage Ratio	6.42	6.50	5.56	3.51	2.84	3.46
Compound Leverage Factor	15.38	5.80	4.80	3.15	-6.48	1.80
Debt to Total Capital	79.00%	75.71%	70.33%	54.40%	11.17%	19.30%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	79.00%	75.71%	70.33%	54.40%	11.17%	19.30%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.03%	0.03%
Common Equity to Total Capital	21.00%	24.29%	29.67%	45.60%	88.81%	80.66%
Debt to EBITDA	156.42	3.95	4.53	2.98	2.65	1.13
Net Debt to EBITDA	146.01	3.38	4.03	2.70	0.51	0.68
Long-Term Debt to EBITDA	156.42	3.95	4.53	2.98	2.65	1.13
Debt to NOPAT	-11.39	5.52	6.64	4.06	10.50	1.61
Net Debt to NOPAT	-10.63	4.71	5.90	3.68	2.01	0.98
Long-Term Debt to NOPAT	-11.39	5.52	6.64	4.06	10.50	1.61
Altman Z-Score	0.59	1.06	1.22	1.54	0.87	0.92
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.02%	0.03%
Liquidity Ratios	-	-	-	-	-	-
Current Ratio	2.85	9.20	5.48	5.75	1.90	1.28
Quick Ratio	2.85	9.20	5.48	5.75	1.90	1.28
Cash Flow Metrics	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	0.00	-841	167	623	1,404	-37
Operating Cash Flow to CapEx	-11,687.04%	-5,709.21%	15,370.66%	34,246.68%	-1,663.99%	-7,040.47%
Free Cash Flow to Firm to Interest Expense	0.00	-13.98	2.70	12.65	21.15	-0.34
Operating Cash Flow to Interest Expense	-7.67	-7.78	11.05	25.58	-1.38	-6.01
Operating Cash Flow Less CapEx to Interest Expense	-7.73	-7.92	10.98	25.51	-1.47	-6.09
Efficiency Ratios	-	-	-	-	-	-
Asset Turnover	0.31	0.45	0.38	0.26	0.21	0.28
Accounts Receivable Turnover	23.72	43.13	31.13	15.71	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	0.00	0.00	0.00	0.00	0.00	72.64
Accounts Payable Turnover	17.88	24.96	22.21	15.20	10.87	10.35
Days Sales Outstanding (DSO)	15.39	8.46	11.72	23.23	0.00	0.00
Days Inventory Outstanding (DIO)	0.00	0.00	0.00	0.00	0.00	0.00
Days Payable Outstanding (DPO)	20.41	14.62	16.44	24.02	33.59	35.25
Cash Conversion Cycle (CCC)	-5.02	-6.16	-4.71	-0.79	-33.59	-35.25
Capital & Investment Metrics	-	-	-	-	-	-
Invested Capital	1,438	2,695	2,857	2,602	1,212	1,436
Invested Capital Turnover	0.57	0.81	0.63	0.36	0.38	0.90
Increase / (Decrease) in Invested Capital	0.00	1,257	162	-256	-1,390	224
Enterprise Value (EV)	1,524	2,249	2,731	1,923	859	1,055
Market Capitalization	98	290	794	571	831	873
Book Value per Share	$62.47	$37.42	$15.07	$20.46	$19.37	$20.26
Tangible Book Value per Share	$52.80	$34.23	$11.53	$17.02	$15.91	$16.60
Total Capital	1,934	3,030	3,100	2,739	1,332	1,554
Total Debt	1,528	2,294	2,180	1,490	149	300
Total Long-Term Debt	1,528	2,294	2,180	1,490	149	300
Net Debt	1,426	1,959	1,937	1,352	29	182
Capital Expenditures (CapEx)	3.63	8.20	4.43	3.68	5.51	9.37
Debt-free, Cash-free Net Working Capital (DFCFNWC)	-13	2.32	12	24	-63	-92
Debt-free Net Working Capital (DFNWC)	89	337	255	162	57	26
Net Working Capital (NWC)	89	337	255	162	57	26
Net Nonoperating Expense (NNE)	-140	45	45	39	53	89
Net Nonoperating Obligations (NNO)	1,032	1,959	1,937	1,352	29	182
Total Depreciation and Amortization (D&A)	7.33	26	33	31	36	38
Debt-free, Cash-free Net Working Capital to Revenue	-1.60%	0.14%	0.66%	2.43%	-8.79%	-7.72%
Debt-free Net Working Capital to Revenue	10.79%	20.03%	14.64%	16.29%	7.88%	2.16%
Net Working Capital to Revenue	10.79%	20.03%	14.64%	16.29%	7.88%	2.16%
Earnings Adjustments	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.00	$6.18	$4.69	$5.39	($0.64)	$1.58
Adjusted Weighted Average Basic Shares Outstanding	0.00	60M	60.51M	60.98M	60.97M	61.40M
Adjusted Diluted Earnings per Share	$0.00	$6.17	$4.67	$5.35	($0.64)	$1.56
Adjusted Weighted Average Diluted Shares Outstanding	0.00	60.06M	60.83M	61.38M	60.97M	62.11M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	0.00	60M	61.06M	60.89M	61.10M	61.90M
Normalized Net Operating Profit after Tax (NOPAT)	-134	416	329	367	14	186
Normalized NOPAT Margin	-16.35%	24.71%	18.89%	36.89%	1.96%	15.57%
Pre Tax Income Margin	0.71%	29.37%	22.25%	42.20%	-6.39%	9.95%
Debt Service Ratios	-	-	-	-	-	-
EBIT to Interest Expense	0.04	9.21	7.27	9.53	0.30	2.08
NOPAT to Interest Expense	-2.42	6.91	5.33	7.46	0.21	1.70
EBIT Less CapEx to Interest Expense	-0.02	9.08	7.20	9.46	0.22	2.00
NOPAT Less CapEx to Interest Expense	-2.49	6.77	5.26	7.38	0.13	1.61
Payout Ratios	-	-	-	-	-	-
Dividend Payout Ratio	582.75%	10.03%	42.66%	0.00%	-77.88%	31.67%
Augmented Payout Ratio	725.96%	11.24%	42.66%	1.70%	-86.24%	32.89%

This table displays calculated financial ratios and metrics derived from Guild's official financial filings.

Metric	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025
Period end date	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	-45.04%	-8.38%	1.51%	-85.26%	45.39%	23.68%	-30.38%	2,130.34%	27.29%	-1.02%	8.12%
EBITDA Growth	-109.72%	-20.04%	-3.66%	-3,088.33%	319.06%	8.07%	-149.08%	281.77%	-100.70%	-29.79%	267.53%
EBIT Growth	-113.18%	-24.15%	-5.19%	-880.38%	242.93%	7.97%	-164.03%	257.12%	-117.33%	-32.35%	226.39%
NOPAT Growth	-112.34%	-25.30%	-21.63%	-880.38%	250.46%	24.48%	-160.75%	270.57%	-116.46%	-27.19%	230.94%
Net Income Growth	-117.88%	-36.63%	-29.89%	-520.85%	176.35%	1.77%	-223.43%	205.12%	-184.36%	-50.35%	149.80%
EPS Growth	-118.05%	-36.84%	-30.16%	-529.17%	175.41%	0.00%	-223.86%	205.30%	-184.78%	-50.00%	148.62%
Operating Cash Flow Growth	-103.39%	-596.25%	-18.44%	-75.86%	-784.63%	-105.87%	-105.25%	966.35%	169.15%	27.43%	831.81%
Free Cash Flow Firm Growth	-73.75%	94.14%	-188.54%	430.57%	-265.51%	-486.61%	69.94%	-107.75%	354.73%	2,737.28%	852.34%
Invested Capital Growth	-11.20%	2.13%	36.47%	-53.41%	20.66%	4.28%	5.79%	18.47%	-39.52%	-52.48%	-50.00%
Revenue Q/Q Growth	27.40%	48.63%	8.86%	-92.85%	1,156.93%	26.45%	-38.73%	129.03%	-34.26%	6.47%	18.27%
EBITDA Q/Q Growth	-903.39%	362.02%	32.62%	-191.44%	168.94%	29.26%	-160.23%	438.66%	-100.26%	13,144.52%	43.72%
EBIT Q/Q Growth	-270.70%	275.85%	37.11%	-209.68%	154.05%	32.84%	-181.30%	369.16%	-105.96%	618.65%	51.89%
NOPAT Q/Q Growth	-270.70%	283.96%	38.14%	-204.08%	156.89%	52.20%	-167.41%	392.20%	-105.49%	773.15%	21.24%
Net Income Q/Q Growth	-147.98%	199.30%	46.86%	-271.67%	130.50%	32.36%	-278.10%	246.21%	-124.47%	177.90%	78.66%
EPS Q/Q Growth	-154.17%	198.36%	46.67%	-271.59%	130.46%	30.43%	-281.67%	245.87%	-124.53%	176.92%	76.67%
Operating Cash Flow Q/Q Growth	-137.64%	-868.89%	171.67%	-90.77%	-1,479.50%	-125.48%	98.17%	1,975.59%	-10.55%	-336.65%	118.43%
Free Cash Flow Firm Q/Q Growth	-11.52%	-104.77%	-6,325.29%	295.48%	-175.11%	83.08%	-229.25%	49.62%	1,007.53%	75.19%	-6.07%
Invested Capital Q/Q Growth	-24.75%	47.35%	-3.63%	-56.40%	15.46%	27.34%	-2.23%	-51.18%	-0.51%	0.05%	2.87%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
Gross Margin	24.82%	42.98%	48.44%	-475.27%	43.65%	39.89%	-3.33%	36.80%	32.78%	34.30%	37.71%
EBITDA Margin	-17.15%	30.24%	36.84%	-471.23%	25.85%	26.42%	-25.97%	38.41%	-0.15%	18.89%	22.95%
Operating Margin	-22.54%	26.67%	33.59%	-515.35%	22.16%	23.28%	-30.89%	36.30%	-3.29%	16.03%	20.59%
EBIT Margin	-22.54%	26.67%	33.59%	-515.35%	22.16%	23.28%	-30.89%	36.30%	-3.29%	16.03%	20.59%
Profit (Net Income) Margin	-21.75%	14.53%	19.61%	-470.86%	11.42%	11.96%	-34.76%	22.19%	-8.26%	6.04%	9.13%
Tax Burden Percent	73.22%	73.23%	73.77%	78.06%	73.68%	84.42%	72.12%	75.99%	75.76%	90.85%	72.52%
Interest Burden Percent	131.82%	74.43%	79.13%	117.05%	69.97%	60.85%	156.04%	80.44%	331.31%	41.49%	61.15%
Effective Tax Rate	0.00%	26.77%	26.23%	0.00%	26.32%	15.58%	0.00%	24.01%	0.00%	9.15%	27.48%
Return on Invested Capital (ROIC)	-6.48%	5.69%	8.60%	-136.51%	6.04%	5.73%	-5.86%	24.94%	-1.53%	8.24%	8.69%
ROIC Less NNEP Spread (ROIC-NNEP)	-7.61%	4.91%	7.34%	-139.67%	4.75%	4.32%	-7.40%	2.30%	-4.04%	5.61%	6.58%
Return on Net Nonoperating Assets (RNNOA)	-5.91%	6.59%	6.57%	-79.27%	3.71%	5.97%	-9.99%	0.20%	-2.30%	4.59%	5.54%
Return on Equity (ROE)	-12.39%	12.28%	15.17%	-215.78%	9.75%	11.70%	-15.85%	25.13%	-3.83%	12.83%	14.23%
Cash Return on Invested Capital (CROIC)	17.96%	1.92%	-27.22%	73.62%	-15.50%	-1.24%	-6.44%	-2.83%	57.15%	77.68%	76.27%
Operating Return on Assets (OROA)	-5.66%	6.22%	8.21%	-107.53%	4.96%	4.93%	-5.88%	10.29%	-0.97%	4.19%	5.42%
Return on Assets (ROA)	-5.46%	3.39%	4.79%	-98.24%	2.56%	2.53%	-6.62%	6.29%	-2.45%	1.58%	2.41%
Return on Common Equity (ROCE)	-12.39%	12.28%	15.17%	-215.74%	9.74%	11.70%	-15.84%	25.13%	-3.83%	12.83%	14.22%
Return on Equity Simple (ROE_SIMPLE)	6.88%	4.96%	3.05%	0.00%	2.18%	2.22%	-8.13%	0.00%	3.72%	0.00%	0.00%
Net Operating Profit after Tax (NOPAT)	-27	50	69	-71	41	62	-42	122	-6.68	45	55
NOPAT Margin	-15.78%	19.53%	24.78%	-360.74%	16.33%	19.65%	-21.62%	27.59%	-2.30%	14.57%	14.93%
Net Nonoperating Expense Percent (NNEP)	1.12%	0.78%	1.26%	3.15%	1.29%	1.42%	1.54%	22.63%	2.51%	2.64%	2.10%
Return On Investment Capital (ROIC_SIMPLE)	-	-	-	-5.36%	-	-	-	7.83%	-0.43%	2.93%	3.46%
Cost of Revenue to Revenue	75.18%	57.02%	51.56%	575.27%	56.35%	60.11%	103.33%	63.20%	67.22%	65.70%	62.29%
SG&A Expenses to Revenue	12.21%	15.29%	13.50%	296.36%	19.72%	15.51%	25.30%	-8.93%	10.05%	16.63%	8.03%
R&D to Revenue	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Operating Expenses to Revenue	47.36%	16.32%	14.85%	40.08%	21.49%	16.61%	27.56%	0.49%	36.07%	18.27%	17.12%
Earnings before Interest and Taxes (EBIT)	-39	68	93	-102	55	73	-59	160	-9.55	50	75
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	-29	77	102	-93	64	83	-50	169	-0.45	58	84
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.48	0.51	0.51	0.70	0.72	0.74	0.88	0.70	0.79	1.01	1.00
Price to Tangible Book Value (P/TBV)	0.59	0.62	0.61	0.85	0.89	0.92	1.10	0.85	0.97	1.23	1.22
Price to Revenue (P/Rev)	0.69	0.77	0.77	1.15	1.09	1.06	1.32	0.73	0.75	0.98	0.97
Price to Earnings (P/E)	7.03	10.33	16.55	0.00	32.59	33.20	0.00	8.99	21.17	47.64	9.85
Dividend Yield	0.00%	0.00%	4.72%	3.68%	3.51%	6.76%	6.01%	7.09%	6.54%	5.06%	3.76%
Earnings Yield	14.22%	9.68%	6.04%	0.00%	3.07%	3.01%	0.00%	11.12%	4.72%	2.10%	10.15%
Enterprise Value to Invested Capital (EV/IC)	0.68	0.79	0.77	0.71	0.85	0.90	0.95	0.74	0.82	1.01	1.00
Enterprise Value to Revenue (EV/Rev)	1.56	2.73	2.57	1.19	2.53	3.13	3.62	0.88	0.93	1.15	1.15
Enterprise Value to EBITDA (EV/EBITDA)	7.85	15.13	14.66	15.28	13.47	17.26	687.65	3.96	5.82	8.13	4.74
Enterprise Value to EBIT (EV/EBIT)	9.62	19.47	19.22	42.47	17.72	22.58	0.00	4.61	7.16	10.25	5.36
Enterprise Value to NOPAT (EV/NOPAT)	10.49	19.78	24.63	60.68	28.95	31.07	0.00	5.66	7.85	9.96	6.96
Enterprise Value to Operating Cash Flow (EV/OCF)	3.72	159.69	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	43.48
Enterprise Value to Free Cash Flow (EV/FCFF)	3.56	41.45	0.00	0.61	0.00	0.00	0.00	0.00	1.09	0.84	0.88
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.74	1.42	1.33	0.13	1.02	1.54	1.63	0.24	0.28	0.26	0.27
Long-Term Debt to Equity	0.74	1.42	1.33	0.13	1.02	1.54	1.63	0.24	0.28	0.26	0.27
Financial Leverage	0.78	1.34	0.89	0.57	0.78	1.38	1.35	0.09	0.57	0.82	0.84
Leverage Ratio	2.91	2.92	2.69	2.84	2.94	3.28	3.34	3.46	3.52	3.94	4.07
Compound Leverage Factor	3.83	2.18	2.13	3.33	2.06	2.00	5.22	2.79	11.67	1.63	2.49
Debt to Total Capital	42.37%	58.66%	57.08%	11.17%	50.59%	60.69%	62.00%	19.30%	22.07%	20.73%	21.51%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	42.37%	58.66%	57.08%	11.17%	50.59%	60.69%	62.00%	19.30%	22.07%	20.73%	21.51%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.02%	0.03%	0.02%	0.02%	0.02%	0.03%	0.03%	0.03%	0.03%
Common Equity to Total Capital	57.63%	41.34%	42.90%	88.81%	49.39%	39.29%	37.98%	80.66%	77.90%	79.25%	78.46%
Debt to EBITDA	5.26	11.81	11.59	2.65	8.30	12.10	463.22	1.13	1.68	1.80	1.09
Net Debt to EBITDA	4.39	10.86	10.26	0.51	7.66	11.44	437.19	0.68	1.13	1.19	0.75
Long-Term Debt to EBITDA	5.26	11.81	11.59	2.65	8.30	12.10	463.22	1.13	1.68	1.80	1.09
Debt to NOPAT	7.03	15.44	19.47	10.50	17.83	21.77	-81.39	1.61	2.27	2.20	1.60
Net Debt to NOPAT	5.87	14.20	17.23	2.01	16.47	20.59	-76.82	0.98	1.52	1.46	1.10
Long-Term Debt to NOPAT	7.03	15.44	19.47	10.50	17.83	21.77	-81.39	1.61	2.27	2.20	1.60
Altman Z-Score	0.99	0.99	1.04	0.76	0.86	0.77	0.64	0.87	0.80	0.80	0.82
Noncontrolling Interest Sharing Ratio	0.00%	0.01%	0.02%	0.02%	0.03%	0.03%	0.04%	0.03%	0.04%	0.04%	0.04%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Current Ratio	5.74	5.08	5.36	1.90	1.27	1.27	1.18	1.28	1.25	1.03	0.91
Quick Ratio	5.74	5.08	5.36	1.90	1.27	1.27	1.18	1.28	1.25	1.03	0.91
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	220	-10	-674	1,318	-364	-62	-203	-102	927	1,624	1,525
Operating Cash Flow to CapEx	-2,759.48%	-21,179.36%	9,240.34%	2,183.41%	-44,162.67%	-17,181.55%	-321.74%	10,119.93%	7,935.95%	-14,443.65%	4,337.29%
Free Cash Flow to Firm to Interest Expense	17.93	-0.61	-34.77	75.85	-21.99	-2.15	-6.08	-3.26	41.97	56.06	52.20
Operating Cash Flow to Interest Expense	-2.41	-16.52	10.58	1.09	-15.81	-20.58	-0.32	6.45	8.19	-14.77	2.70
Operating Cash Flow Less CapEx to Interest Expense	-2.50	-16.60	10.47	1.04	-15.84	-20.70	-0.42	6.39	8.08	-14.87	2.64
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.25	0.23	0.24	0.21	0.22	0.21	0.19	0.28	0.30	0.26	0.26
Accounts Receivable Turnover	17.69	18.79	17.46	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	0.00	0.00	0.00	0.00	0.00	0.00	0.00	72.64	73.24	66.44	63.76
Accounts Payable Turnover	13.97	14.38	15.30	10.87	9.72	10.28	10.45	10.35	10.26	9.07	8.16
Days Sales Outstanding (DSO)	20.63	19.43	20.90	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Days Inventory Outstanding (DIO)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Days Payable Outstanding (DPO)	26.13	25.39	23.86	33.59	37.55	35.50	34.93	35.25	35.59	40.22	44.75
Cash Conversion Cycle (CCC)	-5.49	-5.96	-2.96	-33.59	-37.55	-35.50	-34.93	-35.25	-35.59	-40.22	-44.75
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	1,958	2,884	2,780	1,212	2,362	3,008	2,941	1,436	1,429	1,429	1,470
Invested Capital Turnover	0.41	0.29	0.35	0.38	0.37	0.29	0.27	0.90	0.66	0.57	0.58
Increase / (Decrease) in Invested Capital	-247	60	743	-1,390	404	123	161	224	-933	-1,579	-1,470
Enterprise Value (EV)	1,331	2,275	2,148	859	2,018	2,693	2,804	1,055	1,176	1,441	1,474
Market Capitalization	587	642	645	831	870	907	1,021	873	947	1,230	1,241
Book Value per Share	$19.93	$20.53	$20.94	$19.37	$19.86	$19.92	$18.85	$20.26	$19.38	$19.57	$19.87
Tangible Book Value per Share	$16.42	$17.02	$17.44	$15.91	$16.05	$16.16	$15.14	$16.60	$15.77	$16.01	$16.35
Total Capital	2,105	3,027	2,976	1,332	2,457	3,110	3,047	1,554	1,540	1,537	1,577
Total Debt	892	1,776	1,699	149	1,243	1,888	1,889	300	340	318	339
Total Long-Term Debt	892	1,776	1,699	149	1,243	1,888	1,889	300	340	318	339
Net Debt	744	1,633	1,503	29	1,148	1,785	1,783	182	228	211	233
Capital Expenditures (CapEx)	1.07	1.35	2.22	0.87	0.59	3.43	3.35	2.00	2.28	2.96	1.82
Debt-free, Cash-free Net Working Capital (DFCFNWC)	26	31	30	-63	-75	-80	-90	-92	-89	-104	-117
Debt-free Net Working Capital (DFNWC)	173	137	145	57	20	22	16	26	22	3.50	-10
Net Working Capital (NWC)	173	137	145	57	20	22	16	26	22	3.50	-10
Net Nonoperating Expense (NNE)	10	13	14	22	12	24	25	24	17	26	21
Net Nonoperating Obligations (NNO)	744	1,633	1,503	29	1,148	1,785	1,783	182	228	211	233
Total Depreciation and Amortization (D&A)	9.21	9.08	9.00	8.73	9.16	9.87	9.47	9.27	9.10	8.80	8.61
Debt-free, Cash-free Net Working Capital to Revenue	2.99%	3.78%	3.64%	-8.79%	-9.36%	-9.34%	-11.56%	-7.72%	-7.10%	-8.27%	-9.10%
Debt-free Net Working Capital to Revenue	20.27%	16.51%	17.32%	7.88%	2.54%	2.55%	2.13%	2.16%	1.78%	0.28%	-0.81%
Net Working Capital to Revenue	20.27%	16.51%	17.32%	7.88%	2.54%	2.55%	2.13%	2.16%	1.78%	0.28%	-0.81%
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	($0.61)	$0.61	$0.89	($1.53)	$0.47	$0.61	($1.09)	$1.59	($0.39)	$0.30	$0.54
Adjusted Weighted Average Basic Shares Outstanding	60.90M	60.96M	60.96M	60.97M	61.11M	61.34M	61.39M	61.40M	61.91M	62.17M	62.25M
Adjusted Diluted Earnings per Share	($0.61)	$0.60	$0.88	($1.51)	$0.46	$0.60	($1.09)	$1.59	($0.39)	$0.30	$0.53
Adjusted Weighted Average Diluted Shares Outstanding	60.90M	61.80M	61.91M	60.97M	62.16M	62.39M	61.39M	62.11M	61.91M	62.62M	62.81M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	60.96M	60.96M	61.10M	61.10M	61.34M	61.39M	61.89M	61.90M	62.21M	62.25M	62.28M
Normalized Net Operating Profit after Tax (NOPAT)	-27	50	69	-71	41	62	-42	122	-6.68	45	55
Normalized NOPAT Margin	-15.78%	19.53%	24.78%	-360.74%	16.33%	19.65%	-21.62%	27.59%	-2.30%	14.57%	14.93%
Pre Tax Income Margin	-29.71%	19.85%	26.58%	-603.22%	15.51%	14.17%	-48.20%	29.20%	-10.91%	6.65%	12.59%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	-3.14	3.91	4.79	-5.86	3.33	2.55	-1.78	5.11	-0.43	1.71	2.57
NOPAT to Interest Expense	-2.20	2.86	3.53	-4.11	2.45	2.16	-1.25	3.89	-0.30	1.55	1.87
EBIT Less CapEx to Interest Expense	-3.23	3.83	4.68	-5.91	3.29	2.43	-1.89	5.05	-0.54	1.61	2.51
NOPAT Less CapEx to Interest Expense	-2.29	2.79	3.42	-4.16	2.42	2.04	-1.35	3.82	-0.41	1.45	1.80
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	0.00%	0.00%	78.18%	-77.88%	0.00%	225.65%	-32.63%	31.67%	138.32%	120.69%	36.93%
Augmented Payout Ratio	7.37%	8.46%	90.35%	-86.24%	11.18%	235.27%	-34.69%	32.89%	141.42%	128.47%	38.25%

Financials Breakdown Chart

Key Financial Trends

Guild Holdings Co (GHLD) shows a mix of improving cash generation and ongoing balance-sheet leverage when looking at the last four years of quarterly data. Notable trends include stronger profitability in several 2024–2025 quarters, a shift toward positive operating cash flow in mid-2025, and a substantial debt-financing activity that provides liquidity but raises leverage concerns. Below are the 10 most pertinent observations, categorized by potential impact.

Net income attributable to common shareholders has been positive in multiple 2024–2025 quarters, including Q4 2024 ($97.94M), Q3 2024 ($54.29M), Q2 2024 ($18.67M), Q1 2024 ($28.50M), and Q3 2025 ($33.326M). This indicates recurring profitability across several periods rather than a one-off spike.
Cash flow from continuing operating activities turned positive in Q3 2025 at about $78.85M, signaling improving operating liquidity despite volatility in other quarters.
Net cash from continuing operating activities for Q3 2025 was $78.85M, with net change in cash of $2.26M, suggesting a modest cash balance progression during the quarter.
Cash and cash equivalents stood around $106.4M in Q3 2025, providing a solid liquidity cushion against near-term needs, while total assets rose to roughly $5.10B.
Total common equity reached about $1.237B in Q3 2025, reflecting a strengthening equity base alongside the growth in assets.
Guild continued to return capital to shareholders via a quarterly cash dividend of $0.25 per share (as reflected in the Q3 2025 data), supporting an income-focused investor appeal alongside growth.
Significant debt financing occurred in Q3 2025, with issuance of debt totaling about $7.17B, which improves near-term liquidity but increases leverage and future interest obligations.
Balance-sheet size expanded to approximately $5.10B in total assets by Q3 2025, indicating scale-up versus earlier years, though this is not a direct measure of profitability or cash flow quality.
Leverage remains substantial, with total liabilities around $3.86B and long-term debt about $0.34B in Q3 2025, implying a heavy liability load relative to cash flow in some periods.
Profitability has shown volatility, including a notable quarterly loss in Q4 2023 (net income attributable to common shareholders around -$93.0M), underscoring that several quarters can still produce negative results despite subsequent improvements.

05/22/26 04:31 PM ETAI Generated. May Contain Errors.

Guild Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Guild's fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

Guild's net income appears to be on a downward trend, with a most recent value of $96.93 million in 2024, rising from $5.58 million in 2019. The previous period was -$39.14 million in 2023. Check out Guild's forecast to explore projected trends and price targets.

Guild's total operating income in 2024 was $228.90 million, based on the following breakdown:

Total Gross Profit: $389.81 million
Total Operating Expenses: $160.91 million

Over the last 5 years, Guild's total revenue changed from $820.81 million in 2019 to $1.20 billion in 2024, a change of 45.8%.

Guild's total liabilities were at $3.51 billion at the end of 2024, a 41.0% increase from 2023, and a 59.6% increase since 2019.

In the past 5 years, Guild's cash and equivalents has ranged from $101.74 million in 2019 to $334.62 million in 2020, and is currently $118.20 million as of their latest financial filing in 2024.

Over the last 5 years, Guild's book value per share changed from 62.47 in 2019 to 20.26 in 2024, a change of -67.6%.

Related Companies

Financial statements for NYSE:GHLD last updated on 11/14/2025 by MarketBeat.com Staff. New filings and market data are monitored continuously.

From Our Partners

Get 30 Days of MarketBeat All Access for Free

Start Your 30-Day Trial

In-depth profiles and analysis for 20,000 public companies.
Real-time analyst ratings, insider transactions, earnings data, and more.
Our daily ratings and market update email newsletter.

Sign In
Create Account

Your Email Address:

Your Password:

Forgot your password?

Your Email Address:

Choose a Password:

By creating a free account, you agree to our terms of service. This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

Guild (GHLD) Financials

Financials Breakdown Chart

Key Financial Trends

Guild Financials - Frequently Asked Questions

Best-in-Class Portfolio Monitoring

Stock Ideas and Recommendations

Advanced Stock Screeners and Research Tools

About MarketBeat

MarketBeat Products

Popular Tools

Financial Calendars

Terms & Info

Guild (GHLD) Financials

Annual Income Statements for Guild

Quarterly Income Statements for Guild

Annual Cash Flow Statements for Guild

Quarterly Cash Flow Statements for Guild

Annual Balance Sheets for Guild

Quarterly Balance Sheets for Guild

Annual Metrics And Ratios for Guild

Quarterly Metrics And Ratios for Guild

Financials Breakdown Chart

Key Financial Trends

Guild Financials - Frequently Asked Questions

When does Guild's financial year end?

How has Guild's net income changed over the last 5 years?

What is Guild's operating income?

How has Guild's revenue changed over the last 5 years?

How much debt does Guild have?

How much cash does Guild have?

How has Guild's book value per share changed over the last 5 years?

MarketBeat All Access Features

Best-in-Class Portfolio Monitoring

Stock Ideas and Recommendations

Advanced Stock Screeners and Research Tools