Recent News
On November 11, 2025, Guild Mortgage earned Gold status as a Military Friendly® Employer for 2026, marking the third time the company received that recognition and highlighting ongoing workforce and recruitment initiatives.
Technical Analysis
ADX sits at 23.1, indicating an emerging directional strength while the directional indicators diverge: DI+ at 20.16 trends downward and DI- at 17.13 trends upward. That configuration signals bearish directional pressure building against an only-emerging trend, implying near-term downside bias against the company’s current valuation.
MACD reads slightly negative with a declining trajectory (MACD ~ -0.0; signal 0.01), which denotes falling bullish momentum. The absence of a MACD crossover above the signal line removes a common bullish confirmation, reinforcing the case for consolidation before any meaningful upside continuation.
MRO sits at 20.07 with a peak-and-reversal pattern; the positive value indicates the market price currently sits above WMDST’s target and therefore carries downward force. That dynamic aligns with the weakening momentum and elevates the probability of mean reversion toward valuation support areas.
RSI at 53.41 and trending lower suggests momentum moved off a neutral zone toward modest selling pressure rather than oversold conditions, so price stability depends on restoration of momentum rather than relief from an oversold impulse.
Price trades around $19.87, tightly compressed against the 20-day averages and the lower Bollinger band near $19.87–$19.82, indicating limited short-term volatility but susceptibility to a decisive directional move if momentum picks up. Short-term exponential moving averages (12- and 26-day EMAs near $19.89–$19.90 and trending down) sit marginally above price, adding friction to upside attempts, while the 200-day average at $16.85 provides a longer-term support context below current levels.
Ichimoku components (Tenkan/Kijun ~ $19.91; Senkou A ~$19.94; Senkou B ~$21.44) place price at or slightly below the near-term cloud boundary, implying that momentum must re-accelerate to clear the cloud and re-establish directional conviction. Low volume relative to 10/50/200-day averages reduces conviction behind intraday moves and increases the importance of a clear momentum shift to validate larger swings.
Fundamental Analysis
Guild reported EPS of $0.75 versus an estimate of $0.53, producing a 41.51% EPS surprise and signaling stronger-than-expected profitability for the period. Net income reached $33.326M, and adjusted measures reported in the quarter demonstrate improved operational leverage in origination and servicing activities.
Revenue totaled $314.716M with YoY revenue growth of 8.40% and a QoQ contraction in revenue growth of -80.275% (reflecting seasonal and quarter-to-quarter origination timing). Free cash flow amounted to $77.034M, yielding 6.32% free cash flow yield; that yield sits above the industry peer mean for free cash flow yield. WMDST values the stock as under-valued given the company’s cash generation and adjusted earnings performance.
Valuation multiples present a mixed picture: price-to-book at 0.98 sits below the industry peer mean and slightly above the industry peer median, while price-to-earnings at 36.93 falls below the industry peer mean and above the industry peer median. Price-to-sales at 3.87 sits well below the industry peer mean and median, suggesting revenue gets priced conservatively relative to peers.
Profitability and efficiency metrics show strengths and weaknesses. Asset turnover stands at 6.21% and exceeds the industry peer mean and median, indicating efficient use of assets to generate revenue. Return on assets at 0.66% sits above the industry peer mean and median, while return on equity at 2.69% falls below the industry peer mean and median. Earnings growth reads -19.70% overall, with steep quarter-over-quarter swings; those dynamics reflect volatility in mortgage origination margins and timing rather than a structural profitability collapse.
Leverage sits elevated relative to industry peers: debt-to-assets at 18.45% and debt-to-equity at 76.03% both exceed the industry peer mean and median, increasing sensitivity to funding costs despite a moderate cost of debt near 2.32%. Enterprise value totals $2,159,019,942 against market capitalization of $1,218,444,942, producing an EV-to-revenue ratio near 6.86. Cash on hand measured $106.401M and operating cash flow reached $78.852M, supporting liquidity while servicing and warehouse facilities manage funding flows.
QoQ and YoY movements warrant attention: P/B expanded roughly 3.95% QoQ and about 20.89% YoY, while P/E grew roughly 37.42% QoQ and 22.62% YoY, reflecting multiple expansion tied to improved earnings and cash generation. Free cash flow yield contracted QoQ and YoY, but absolute free cash generation remains positive.
Brief valuation note: stronger-than-expected EPS and above-peer free cash flow yield underpin WMDST’s under-valued designation, but elevated leverage and uneven earnings growth introduce execution risk that valuation already discounts to some extent.
MOST-RECENT QUARTERLY REPORT
| REPORT PERIOD ENDING: | 2025-09-30 |
| REPORT DATE: | 2025-11-05 |
| NEXT REPORT DATE: | 2026-02-04 |
| CASH FLOW | Begin Period Cash Flow | $ 114.4 M |
| Operating Cash Flow | $ 78.9 M | |
| Capital Expenditures | $ -1.82 M | |
| Change In Working Capital | $ -21.22 M | |
| Dividends Paid | $ -15.56 M | |
| Cash Flow Delta | $ 2.3 M | |
| End Period Cash Flow | $ 116.7 M | |
| INCOME STATEMENT | REVENUE | |
| Total Revenue | $ 314.7 M | |
| Forward Revenue | $ 64.7 M | |
| COSTS | ||
| Cost Of Revenue | — | |
| Depreciation | $ 8.6 M | |
| Depreciation and Amortization | $ 8.6 M | |
| Research and Development | — | |
| Total Operating Expenses | — | |
| PROFITABILITY | ||
| Gross Profit | — | |
| EBITDA | — | |
| EBIT | — | |
| Operating Income | — | |
| Interest Income | $ 43.4 M | |
| Interest Expense | $ 29.2 M | |
| Net Interest Income | $ 14.1 M | |
| Income Before Tax | $ 46.0 M | |
| Tax Provision | $ 12.6 M | |
| Tax Rate | 27.5 % | |
| Net Income | $ 33.3 M | |
| Net Income From Continuing Operations | $ 33.3 M | |
| EARNINGS | ||
| EPS Estimate | $ 0.53 | |
| EPS Actual | $ 0.75 | |
| EPS Difference | $ 0.22 | |
| EPS Surprise | 41.509 % | |
| Forward EPS | $ 0.44 | |
| BALANCE SHEET | ASSETS | |
| Total Assets | $ 5.1 B | |
| Intangible Assets | $ 1.6 B | |
| Net Tangible Assets | $ -317.29 M | |
| Total Current Assets | — | |
| Cash and Short-Term Investments | — | |
| Cash | $ 106.4 M | |
| Net Receivables | — | |
| Inventory | — | |
| Long-Term Investments | — | |
| LIABILITIES | ||
| Accounts Payable | — | |
| Short-Term Debt | — | |
| Total Current Liabilities | — | |
| Net Debt | $ 767.3 M | |
| Total Debt | $ 940.6 M | |
| Total Liabilities | $ 3.9 B | |
| EQUITY | ||
| Total Equity | $ 1.2 B | |
| Retained Earnings | $ 1.2 B | |
| VALUATION & PER-SHARE METRICS | EQUITY & PER-SHARE METRICS | |
| Book Value Per-Share | $ 19.87 | |
| Shares Outstanding | 62.253 M | |
| Revenue Per-Share | $ 5.06 | |
| VALUATION | Market Capitalization | $ 1.2 B |
| Enterprise Value | $ 2.2 B | |
| Enterprise Multiple | — | |
| Enterprise Multiple QoQ | — | |
| Enterprise Multiple YoY | — | |
| Enterprise Multiple IPRWA | — | |
| EV/R | 6.86 | |
| CAPITAL STRUCTURE | ||
| Asset To Equity | 4.12 | |
| Asset To Liability | 1.321 | |
| Debt To Capital | 0.432 | |
| Debt To Assets | 0.185 | |
| Debt To Assets QoQ | 5.301 % | |
| Debt To Assets YoY | 1763.939 % | |
| Debt To Assets IPRWA | high: 0.337 GHLD: 0.185 mean: 0.081 median: 0.068 low: 0.003 |
|
| Debt To Equity | 0.76 | |
| Debt To Equity QoQ | 4.956 % | |
| Debt To Equity YoY | 1812.654 % | |
| Debt To Equity IPRWA | high: 3.306 GHLD: 0.76 mean: 0.649 median: 0.287 low: 0.014 |
|
| PRICE-BASED VALUATION | ||
| Price To Book (P/B) | 0.985 | |
| Price To Book QoQ | 3.953 % | |
| Price To Book YoY | 20.894 % | |
| Price To Book IPRWA | high: 2.396 mean: 1.07 GHLD: 0.985 median: 0.974 low: 0.422 |
|
| Price To Earnings (P/E) | 36.929 | |
| Price To Earnings QoQ | 37.423 % | |
| Price To Earnings YoY | 22.617 % | |
| Price To Earnings IPRWA | high: 103.776 mean: 39.709 GHLD: 36.929 median: 34.473 low: -5.374 |
|
| PE/G Ratio | -1.875 | |
| Price To Sales (P/S) | 3.872 | |
| Price To Sales QoQ | -2.574 % | |
| Price To Sales YoY | -31.97 % | |
| Price To Sales IPRWA | high: 26.419 mean: 11.127 median: 10.808 GHLD: 3.872 low: 2.168 |
|
| FORWARD MULTIPLES | ||
| Forward P/E | 43.559 | |
| Forward PE/G | -2.211 | |
| Forward P/S | 18.841 | |
| EFFICIENCY | OPERATIONAL | |
| Operating Leverage | — | |
| ASSET & SALES | ||
| Asset Turnover Ratio | 0.062 | |
| Asset Turnover Ratio QoQ | 2.542 % | |
| Asset Turnover Ratio YoY | 72.968 % | |
| Asset Turnover Ratio IPRWA | GHLD: 0.062 high: 0.022 mean: 0.013 median: 0.012 low: 0.001 |
|
| Receivables Turnover | — | |
| Receivables Turnover Ratio QoQ | — | |
| Receivables Turnover Ratio YoY | — | |
| Receivables Turnover Ratio IPRWA | — | |
| Inventory Turnover | — | |
| Inventory Turnover Ratio QoQ | — | |
| Inventory Turnover Ratio YoY | — | |
| Inventory Turnover Ratio IPRWA | — | |
| Days Sales Outstanding (DSO) | — | |
| CASH CYCLE | ||
| Cash Conversion Cycle Days (CCC) | — | |
| Cash Conversion Cycle Days QoQ | — | |
| Cash Conversion Cycle Days YoY | — | |
| Cash Conversion Cycle Days IPRWA | high: 93.2 mean: 40.617 median: 34.388 low: 15.176 GHLD: 0 |
|
| CAPITAL DEPLOYMENT | ||
| Cash Conversion Ratio | — | |
| CapEx To Revenue | -0.006 | |
| CapEx To Depreciation | -0.211 | |
| CAPITAL, LIQUIDITY & COVERAGE | CAPITAL STRUCTURE | |
| Total Capital | $ 2.1 B | |
| Net Invested Capital | $ 2.1 B | |
| Invested Capital | $ 2.1 B | |
| Net Tangible Assets | $ -317.29 M | |
| Net Working Capital | — | |
| LIQUIDITY | ||
| Cash Ratio | — | |
| Current Ratio | — | |
| Current Ratio QoQ | — | |
| Current Ratio YoY | — | |
| Current Ratio IPRWA | — | |
| Quick Ratio | — | |
| Quick Ratio QoQ | — | |
| Quick Ratio YoY | — | |
| Quick Ratio IPRWA | — | |
| COVERAGE & LEVERAGE | ||
| Debt To EBITDA | — | |
| Cost Of Debt | 2.324 % | |
| Interest Coverage Ratio | — | |
| Interest Coverage Ratio QoQ | — | |
| Interest Coverage Ratio YoY | — | |
| Interest Coverage Ratio IPRWA | — | |
| Operating Cash Flow Ratio | — | |
| TIMING / LIQUIDITY | ||
| Days Payables Outstanding (DPO) | — | |
| DIVIDENDS | ||
| Dividend Coverage Ratio | 2.141 | |
| Dividend Payout Ratio | 0.467 | |
| Dividend Rate | $ 0.25 | |
| Dividend Yield | 0.013 | |
| PERFORMANCE | GROWTH | |
| Asset Growth Rate | 1.261 % | |
| Revenue Growth | 8.404 % | |
| Revenue Growth QoQ | -80.275 % | |
| Revenue Growth YoY | -119.628 % | |
| Revenue Growth IPRWA | high: 20.816 % GHLD: 8.404 % median: 2.668 % mean: 1.927 % low: -10.179 % |
|
| Earnings Growth | -19.697 % | |
| Earnings Growth QoQ | -122.239 % | |
| Earnings Growth YoY | -582.533 % | |
| Earnings Growth IPRWA | high: 61.667 % mean: 3.99 % median: -0.719 % GHLD: -19.697 % low: -53.247 % |
|
| MARGINS | ||
| Gross Margin | — | |
| Gross Margin QoQ | — | |
| Gross Margin YoY | — | |
| Gross Margin IPRWA | — | |
| EBIT Margin | — | |
| EBIT Margin QoQ | — | |
| EBIT Margin YoY | — | |
| EBIT Margin IPRWA | — | |
| Return On Sales (ROS) | — | |
| Return On Sales QoQ | — | |
| Return On Sales YoY | — | |
| Return On Sales IPRWA | — | |
| CASH FLOW | ||
| Free Cash Flow (FCF) | $ 77.0 M | |
| Free Cash Flow Yield | 6.322 % | |
| Free Cash Flow Yield QoQ | -116.931 % | |
| Free Cash Flow Yield YoY | -522.029 % | |
| Free Cash Flow Yield IPRWA | high: 12.009 % GHLD: 6.322 % median: 3.151 % mean: 2.492 % low: -6.017 % |
|
| Free Cash Growth | -117.882 % | |
| Free Cash Growth QoQ | -65.464 % | |
| Free Cash Growth YoY | 20.758 % | |
| Free Cash Growth IPRWA | high: 410.807 % mean: 29.333 % median: -0.346 % GHLD: -117.882 % low: -542.365 % |
|
| Free Cash To Net Income | 2.312 | |
| Cash Flow Margin | 13.324 % | |
| Cash Flow To Earnings | 1.258 | |
| VALUE & RETURNS | ||
| Economic Value Added | $ 0.03 | |
| Return On Assets (ROA) | 0.658 % | |
| Return On Assets QoQ | 69.152 % | |
| Return On Assets YoY | -145.379 % | |
| Return On Assets IPRWA | high: 0.732 % GHLD: 0.658 % mean: 0.344 % median: 0.311 % low: -0.372 % |
|
| Return On Capital Employed (ROCE) | — | |
| Return On Equity (ROE) | 0.027 | |
| Return On Equity QoQ | 75.734 % | |
| Return On Equity YoY | -146.609 % | |
| Return On Equity IPRWA | high: 0.071 median: 0.033 mean: 0.032 GHLD: 0.027 low: -0.037 |
|
| DuPont ROE | 2.715 % | |
| Return On Invested Capital (ROIC) | — | |
| Return On Invested Capital QoQ | — | |
| Return On Invested Capital YoY | — | |
| Return On Invested Capital IPRWA | — | |