Guild Holdings Q3 revenue misses expectations

Guild Holdings Co

05/11/2025 21:51

Overview

Guild Holdings Q3 revenue misses analyst expectations despite 7% yr/yr growth in originations

Adjusted EPS for Q3 beats consensus, reflecting strong operational performance

Adjusted net income for Q3 exceeds analyst estimates, driven by operational strength

Outlook

Company did not provide specific financial guidance for future quarters

Result Drivers

PURCHASE ORIGINATIONS - 86% of loan volume were purchase originations, compared to industry estimate of 67%

GAIN ON SALE MARGIN - Gain on sale margin on originations increased 18 bps quarter-over-quarter and 14 bps year-over-year to 347 bps

OPERATIONAL EFFICIENCIES - Higher adjusted net income and adjusted EBITDA indicate improved operational efficiencies

Key Details

Metric
Beat/Miss
Actual
Consensus Estimate
Q3 Revenue
Miss
$307.40 mln
$324.40 mln (3 Analysts)
Q3 Adjusted EPS
Beat
$0.75
$0.49 (6 Analysts)
Q3 EPS
$0.53
Q3 Adjusted Net Income
Beat
$47 mln
$31.30 mln (3 Analysts)
Q3 Net Income
$33.3 mln
Q3 Adjusted EBITDA
$72 mln


Analyst Coverage

The current average analyst rating on the shares is "hold" and the breakdown of recommendations is no "strong buy" or "buy", 5 "hold" and no "sell" or "strong sell"

The average consensus recommendation for the consumer lending peer group is "buy."

Wall Street's median 12-month price target for Guild Holdings Co is $18.00, about 10.4% below its November 4 closing price of $19.88

The stock recently traded at 10 times the next 12-month earnings vs. a P/E of 11 three months ago

Press Release: ID:nBw2Ws84ca

For questions concerning the data in this report, contact Estimates.Support@lseg.com. For any other questions or feedback, contact RefinitivNewsSupport@thomsonreuters.com.

(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)