Guild Holdings Co (GHLD) - Net Assets
Based on the latest financial reports, Guild Holdings Co (GHLD) has net assets worth $1.24 Billion USD as of September 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($5.10 Billion) and total liabilities ($3.86 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check GHLD asset resilience ratio to evaluate the company's liquid asset resilience ratio.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $1.24 Billion |
| % of Total Assets | 24.28% |
| Annual Growth Rate | 19.02% |
| 5-Year Change | 70.38% |
| 10-Year Change | N/A |
| Growth Volatility | 30.57 |
Guild Holdings Co - Net Assets Trend (2018–2024)
This chart illustrates how Guild Holdings Co's net assets have evolved over time, based on quarterly financial data. Also explore GHLD asset base for the complete picture of this company's asset base.
Annual Net Assets for Guild Holdings Co (2018–2024)
The table below shows the annual net assets of Guild Holdings Co from 2018 to 2024. For live valuation and market cap data, see GHLD company net worth.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | $1.25 Billion | +5.96% |
| 2023-12-31 | $1.18 Billion | -5.27% |
| 2022-12-31 | $1.25 Billion | +35.79% |
| 2021-12-31 | $920.01 Million | +25.00% |
| 2020-12-31 | $735.99 Million | +81.26% |
| 2019-12-31 | $406.03 Million | -7.92% |
| 2018-12-31 | $440.94 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Guild Holdings Co's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 186.9% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $1.20 Billion | 95.80% |
| Common Stock | $619.00K | 0.05% |
| Other Components | $52.00 Million | 4.15% |
| Total Equity | $1.25 Billion | 100.00% |
Guild Holdings Co Competitors by Market Cap
The table below lists competitors of Guild Holdings Co ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Taysha Gene Therapies Inc
NASDAQ:TSHA
|
$1.25 Billion |
|
Mahanagar Gas Limited
NSE:MGL
|
$1.25 Billion |
|
RES.MINING UNSP.ADR/10
F:RSM0
|
$1.25 Billion |
|
Shanghai Prisemi Electronics Co Ltd
SHG:688230
|
$1.25 Billion |
|
Actions Technology Co Ltd
SHG:688049
|
$1.25 Billion |
|
Tilaknagar Industries Limited
NSE:TI
|
$1.25 Billion |
|
Bright Real Estate Group Co Ltd
SHG:600708
|
$1.25 Billion |
|
Guomai Technologies Inc
SHE:002093
|
$1.25 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Guild Holdings Co's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 1,183,156,000 to 1,253,523,000, a change of 70,367,000 (5.9%).
- Net income of 97,131,000 contributed positively to equity growth.
- Dividend payments of 30,702,000 reduced retained earnings.
- Share repurchases of 1,177,000 reduced equity.
- Other comprehensive income decreased equity by 1,183,493,000.
- Other factors increased equity by 1,188,608,000.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $97.13 Million | +7.75% |
| Dividends Paid | $30.70 Million | -2.45% |
| Share Repurchases | $1.18 Million | -0.09% |
| Other Comprehensive Income | $-1.18 Billion | -94.41% |
| Other Changes | $1.19 Billion | +94.82% |
| Total Change | $- | 5.95% |
Book Value vs Market Value Analysis
This analysis compares Guild Holdings Co's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 3.58x
- The company is trading at a significant premium to its book value, suggesting the market values its earnings potential, brand, or other intangibles highly.
- The price-to-book ratio has decreased from 9.82x to 3.58x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2018-12-31 | $7.35 | $72.20 | x |
| 2019-12-31 | $6.77 | $72.20 | x |
| 2020-12-31 | $12.27 | $72.20 | x |
| 2021-12-31 | $15.13 | $72.20 | x |
| 2022-12-31 | $20.35 | $72.20 | x |
| 2023-12-31 | $19.41 | $72.20 | x |
| 2024-12-31 | $20.18 | $72.20 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Guild Holdings Co utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 7.75%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 8.27%
- • Asset Turnover: 0.25x
- • Equity Multiplier: 3.80x
- Recent ROE (7.75%) is below the historical average (18.57%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2018 | 16.63% | 13.24% | 0.27x | 4.62x | $29.24 Million |
| 2019 | 1.37% | 0.71% | 0.30x | 6.42x | $-35.03 Million |
| 2020 | 50.35% | 21.91% | 0.35x | 6.55x | $296.98 Million |
| 2021 | 30.85% | 17.20% | 0.38x | 4.76x | $191.78 Million |
| 2022 | 26.30% | 26.87% | 0.38x | 2.59x | $203.68 Million |
| 2023 | -3.30% | -5.34% | 0.20x | 3.11x | $-157.32 Million |
| 2024 | 7.75% | 8.27% | 0.25x | 3.80x | $-28.22 Million |
Industry Comparison
This section compares Guild Holdings Co's net assets metrics with peer companies in the Mortgage Finance industry.
Industry Context
- Industry: Mortgage Finance
- Average net assets among peers: $3,760,963,791
- Average return on equity (ROE) among peers: 13.17%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Guild Holdings Co (GHLD) | $1.24 Billion | 16.63% | 3.12x | $1.25 Billion |
| Better Home & Finance Holding Company (BETR) | $15.42 Million | 64.09% | 22.39x | $454.20 Million |
| Better Home & Finance Holding Company (BETR) | $51.73 Million | 52.76% | 15.20x | $430.66 Million |
| Eastside Distilling, Inc. (BLNE) | $18.75 Million | -48.25% | 0.41x | $59.62 Million |
| CNFinance Holdings Ltd (CNF) | $3.05 Billion | 28.27% | 5.36x | $20.99 Million |
| Mr. Cooper Group Inc (COOP) | $28.50 Billion | -0.24% | 10.50x | $13.49 Billion |
| Greystone Housing Impact Investors LP (GHI) | $0.00 | 0.00% | 0.00x | $125.93 Million |
| Income Opportunity Realty Investors (IOR) | $73.53 Million | 2.50% | 0.59x | $73.80 Million |
| Loandepot Inc (LDI) | $375.88 Million | 9.16% | 12.18x | $176.95 Million |
| Onity Group Inc. (ONIT) | $1.76 Billion | 10.25% | 2.22x | $329.62 Million |
About Guild Holdings Co
Guild Holdings Company, through its subsidiary, originates, sells, and services residential mortgage loans in the United States. The company operates in two segments, Origination and Servicing. It is involved in loan origination, and acquisition and sale activities; servicing activities, including collection and remittance of loan payments, managing borrower's impound accounts for taxes and insur… Read more