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Guild Holdings Co (NYSE:GHLD) Effective Interest Rate on Debt % Explanation
Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.
Guild Holdings Co Effective Interest Rate on Debt % Related Terms
Guild Holdings Co Effective Interest Rate on Debt % Historical Data
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The historical data trend for Guild Holdings Co's Effective Interest Rate on Debt % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Guild Holdings Co Effective Interest Rate on Debt % Chart
GHLD vs UWMC, BETR, VEL: Effective Interest Rate on Debt % Comparison
For the Mortgage Finance subindustry, Guild Holdings Co's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Guild Holdings Co Effective Interest Rate on Debt % vs Banks Industry
For the Banks industry and Financial Services sector, Guild Holdings Co's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where Guild Holdings Co's Effective Interest Rate on Debt % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data,
the Interest Expense data used here is four times the quarterly (Sep. 2025) interest expense data.
Effective Interest Rate on Debt % is displayed in the 30-year financial page.
What does a Effective Interest Rate on Debt % of 4.59% mean?
Guild Holdings Co (GHLD) has a Effective Interest Rate on Debt % of 4.59% as of Sep. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Guild Holdings Co and its competitors.
Is Guild Holdings Co's Effective Interest Rate on Debt % too high?
Guild Holdings Co's current Effective Interest Rate on Debt % is 4.59%. Overall, Guild Holdings Co has a GF Score™ of 49/100, reflecting its overall financial health beyond just this single metric.
How does Guild Holdings Co's Effective Interest Rate on Debt % compare to UWMC and BETR?
Guild Holdings Co's Effective Interest Rate on Debt % of 4.59% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Effective Interest Rate on Debt % for a Banks company?
A good Effective Interest Rate on Debt % depends on the Banks industry context. However, Effective Interest Rate on Debt % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Effective Interest Rate on Debt % mean?
A high Effective Interest Rate on Debt % can signal that a stock is expensive relative to its fundamentals. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Guild Holdings Co and its competitors. Guild Holdings Co's current Effective Interest Rate on Debt % is 4.59%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Guild Holdings Co stock overvalued right now?
Guild Holdings Co (GHLD) has a current Effective Interest Rate on Debt % of 4.59%. The stock's GF Value™ is $19.49, compared to a current price of $20.01 — trading 2.7% above its estimated fair value. The current Effective Interest Rate on Debt % is 4.59%. Guild Holdings Co's overall GF Score™ is 49/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Effective Interest Rate on Debt % calculated?
Effective Interest Rate on Debt % is calculated from a company's financial statements. For Guild Holdings Co (GHLD), the current Effective Interest Rate on Debt % is 4.59% as of Sep. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Guild Holdings Co (GHLD) Overvalued in 2026?
Based on GuruFocus' analysis, Guild Holdings Co stock appears to be overvalued.
The current stock price of $20.01 is trading 2.7% above its estimated GF Value™ of $19.49.
Key valuation signals for GHLD:
Effective Interest Rate on Debt %: 4.59%
GF Value™: $19.49 vs. price of $20.01 (2.7% above fair value)
No single metric tells the full story. See the GHLD stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Guild Holdings Co is a growth-oriented mortgage company. It operates in two segments; The origination segment operates its loan origination business throughout the United States. It is responsible for loan origination, acquisition, and sale activities. This segment is further divided into retail and correspondent channel, and The servicing segment provides a steady stream of cash flow to support the origination segment more importantly it allows for the Company to build long-standing client relationships that drive repeat and referral business back to the origination segment to recapture the client's next mortgage transaction. It is responsible for the servicing activities of all loans in its servicing portfolio. It generates a majority of its revenue from the Origination segment.
49GF Score
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Effective Interest Rate on Debt % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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