Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2025 OR San Diego, California 92111 (Address of principal executive offices) (Zip Code) ☐ TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 (Exact Name of Registrant as Specified in its Charter) _______________ (State or other jurisdiction of incorpor ...

Exhibit 99.1 GUILD HOLDINGS COMPANY REPORTS SECOND QUARTER 2025 RESULTS SAN DIEGO, California – August 7, 2025 – Guild Holdings Company (NYSE: GHLD) ("Guild" or the "Company"), a growth-oriented mortgage company that employs a relationship-based loan sourcing strategy to execute on its mission of delivering the promise of homeownership, today announced results for the second quarter ended June 30, 2025. "Our team delivered in the second quarter the strongest performance in many categories that we've reporte ...

The proven Zacks Rank system focuses on earnings estimates and estimate revisions to find winning stocks. Nevertheless, we know that our readers all have their own perspectives, so we are always looking at the latest trends in value, growth, and momentum to find strong picks.Of these, value investing is easily one of the most popular ways to find great stocks in any market environment. Value investors use tried-and-true metrics and fundamental analysis to find companies that they believe are undervalued at ...

The proven Zacks Rank system focuses on earnings estimates and estimate revisions to find winning stocks. Nevertheless, we know that our readers all have their own perspectives, so we are always looking at the latest trends in value, growth, and momentum to find strong picks.Of these, perhaps no stock market trend is more popular than value investing, which is a strategy that has proven to be successful in all sorts of market environments. Value investors use a variety of methods, including tried-and-true v ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2025 OR ☐ TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from _____________ to _____________ Commission File Number: 001-39645 GUILD HOLDINGS COMPANY (Exact Name of Registrant as Specified in its Charter) _______________ ...

The sustainability of the stock's immediate price movement based on the recently-released numbers and future earnings expectations will mostly depend on management's commentary on the earnings call. Guild Holdings Company (GHLD) came out with quarterly earnings of $0.35 per share, beating the Zacks Consensus Estimate of $0.17 per share. This compares to earnings of $0.13 per share a year ago. These figures are adjusted for non-recurring items. This quarterly report represents an earnings surprise of 105.88% ...

Guild Company (GHLD) Q1 2025 Earnings Call May 07, 2025 05:00 PM ET Company Participants None - ExecutiveTerry Schmidt - CEO & DirectorDavid Neylan - President & COOAmber Kramer - SVP & CFODonald Fandetti - Managing DirectorMikhail Goberman - VP - Equity Research Conference Call Participants Richard Shane - AnalystJake Katsikas - Equity Research Analyst Operator Good afternoon, ladies and gentlemen, and welcome to the Guild Holdings Company First Quarter twenty twenty five Earnings Conference Call. At this ...

Financial Data and Key Metrics Changes - In Q1 2025, the company achieved total loan originations of $5.2 billion, a 35% increase year-over-year from $3.9 billion in Q1 2024, but a decrease from $6.7 billion in Q4 2024 [12] - Net revenue for Q1 2025 was $198 million, down from $232 million in the prior year and $373 million in the previous quarter [12] - The company reported a net loss of $24 million in Q1 2025, compared to a net income of $28 million in Q1 2024 and a net income of $98 million in Q4 2024 [12] - Adjusted net income was $22 million, or $0.35 per diluted share, with adjusted EBITDA at $36 million [12] Business Line Data and Key Metrics Changes - The origination segment saw a net loss of $3 million in Q1 2025, an improvement from a net loss of $24 million in the prior year [12] - The gain on sale margin for Q1 2025 was 376 basis points, up from 364 basis points in Q1 2024 and 317 basis points in Q4 2024 [13] - The servicing portfolio grew to $94 billion, but the segment reported a net loss of $5 million compared to a net income of $84 million in the prior year [14] Market Data and Key Metrics Changes - The company has more than doubled its loan officer headcount since the end of 2020, contributing to its growth in originations [4] - The company is seeing strong early results in serving first-time homebuyers through educational events across major markets in the U.S. [10] Company Strategy and Development Direction - The company focuses on a balanced business model, emphasizing market share gains, operational efficiencies, and organic growth through recruiting and acquisitions [5][7] - The strategy includes leveraging a servicing book for stability and cash flow, and pursuing opportunistic acquisitions [5][6] - The company aims to capitalize on market volatility while maintaining a disciplined approach to growth [7] Management's Comments on Operating Environment and Future Outlook - Management anticipates continued market volatility but believes the company is well-positioned for success due to its durable business model [5][7] - The outlook for the peak spring and summer home purchase market is cautiously optimistic, with a focus on community-driven origination teams [10] - Management remains confident in the company's strategic direction despite market challenges [11] Other Important Information - As of March 31, cash and cash equivalents totaled $112 million, with unutilized loan funding capacity at $1.5 billion [15] - The company repurchased approximately 35,000 shares at an average price of $12.94 per share during Q1 2025 [16] - A special cash dividend of $0.50 per share was declared and paid during the quarter [16] Q&A Session Summary Question: Amortization expense on the MSR - The amortization expense was down sharply, attributed to lower prepayments and a service release percentage of 40% [19][21] Question: Impact of ROCCAT acquisition of Redfin and Mr. Cooper - The company is focused on engaging customers earlier in the process and believes its local presence and expertise remain strong [28][30] Question: Growth outlook for organic vs. acquisition - The company is seeing stronger organic growth compared to M&A in the first half of the year, with a strong brand presence aiding both strategies [33][35] Question: Loan officer compensation rules - The company has not changed its loan officer compensation and does not foresee significant impacts from regulatory changes [40][42] Question: Home prices and tariffs impact - The company is monitoring the effects of tariffs on construction costs and home values, but does not expect significant impacts on volume [43][44]

Exhibit 99.1 GUILD HOLDINGS COMPANY REPORTS FIRST QUARTER 2025 RESULTS SAN DIEGO, California – May 7, 2025 – Guild Holdings Company (NYSE: GHLD) ("Guild" or the "Company"), a growth-oriented mortgage company that employs a relationship-based loan sourcing strategy to execute on its mission of delivering the promise of homeownership, today announced results for the first quarter ended March 31, 2025. "We are pleased to report first-quarter results that highlight our consistent momentum and balanced business ...

Investors with an interest in Financial - Miscellaneous Services stocks have likely encountered both Guild Holdings Company (GHLD) and Moody's (MCO) . But which of these two stocks presents investors with the better value opportunity right now? Let's take a closer look.The best way to find great value stocks is to pair a strong Zacks Rank with an impressive grade in the Value category of our Style Scores system. The Zacks Rank is a proven strategy that targets companies with positive earnings estimate revis ...