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Guild Holdings (GHLD)
NYSE:GHLD
Earnings Data
Report Date
May 07, 2025TBA Not Confirmed
Period Ending
2025 (Q1)Consensus EPS Forecast
0.2Last Year’s EPS
0.13Same Quarter Last Year
Based on 6 Analysts Ratings
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Earnings Call Summary
Earnings Call Date:Mar 06, 2025
|% Change Since: 26.43%
|Next Earnings Date:May 07, 2025
Earnings Call Sentiment|Positive
The earnings call highlighted significant growth in originations, net income, and purchase volumes, alongside strategic acquisitions and industry recognition. However, challenges such as the decrease in retained MSR and ongoing rate headwinds were noted. Overall, the highlights significantly outweigh the lowlights.Company Guidance
In the Guild Holdings Company's fourth quarter and full year 2024 earnings call, the company reported significant growth across various metrics. Total originations increased by 57% year-over-year to $24 billion, surpassing the industry's 22% growth. Net revenue rose by 60% to $1 billion, while expenses increased by only 33%, highlighting operational efficiency. The company achieved a net income of $97.1 million compared to a prior year net loss of $39 million. Adjusted net income grew by 88% to $90.2 million, and adjusted EBITDA increased by 80% to $134.8 million. The company's gain on sale margin for the year was 332 basis points, with a fourth-quarter margin of 317 basis points. The purchase origination segment represented 88% of the closed loan volume, outperforming the industry average of 72%. The servicing portfolio grew to $93 billion, with a 9% increase from the prior year, and the refinance capture rate improved to 44%. The company maintained a HUD tier one rating for its servicing business. Looking ahead, Guild Holdings plans to continue leveraging its expanded loan officer network and make strategic investments in technology to further drive growth and market share gains.Exceptional Growth in Originations
Total originations increased 57% year over year to $24 billion, outpacing the industry's 22% growth as per the Mortgage Bankers Association.
Record Net Income and Revenue
Net income attributable to Guild was $97.1 million compared to a net loss of $39 million in the prior year. Adjusted net income rose 88% to $90.2 million.
Strong Performance in Purchase Originations
Purchase originations accounted for 88% of closed loan volumes, significantly outperforming the industry average of 72%.
Expansion of Servicing Portfolio
Servicing portfolio grew to $93 billion, a 9% increase from the previous year, maintaining high quality.
Successful Integration and Growth
Acquisitions and organic growth resulted in doubling the number of loan officers since 2020, contributing to above-industry-average loan production.
Industry Recognition and Awards
Guild received multiple industry awards, including being named the most reviewed lender on Zillow.com and receiving Fannie Mae's star performer recognition for the eighth consecutive year.
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GHLD Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
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GHLD Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
| Mar 06, 2025 | $12.60 | $12.92 | +2.54% |
| Nov 06, 2024 | $13.47 | $13.95 | +3.56% |
| Aug 08, 2024 | $15.30 | $16.15 | +5.56% |
| May 09, 2024 | $13.40 | $13.95 | +4.10% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
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FAQ
When does Guild Holdings (GHLD) report earnings?
Guild Holdings (GHLD) is schdueled to report earning on May 07, 2025, TBA Not Confirmed.
What is Guild Holdings (GHLD) earnings time?
Guild Holdings (GHLD) earnings time is at May 07, 2025, TBA Not Confirmed.
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is GHLD EPS forecast?
GHLD EPS forecast for the fiscal quarter 2025 (Q1) is 0.2.
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