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EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Guild Holdings Co's Enterprise Value is $3,675 Mil.
Guild Holdings Co's Free Cash Flow for the trailing twelve months (TTM) ended in Sep. 2025 was $25 Mil. Therefore, Guild Holdings Co's EV-to-FCF for today is 147.86.
The historical rank and industry rank for Guild Holdings Co's EV-to-FCF or its related term are showing as below:
GHLD'
s EV-to-FCF Range Over the Past 10 Years
Min: -55.87 Med: -1.71 Max: 148.3
Current: 147.86
During the past 7 years, the highest EV-to-FCF of Guild Holdings Co was 148.30. The lowest was -55.87. And the median was -1.71.
GHLD's EV-to-FCF is not ranked
in the Banks industry.
Industry Median: 6.875
vs GHLD: 147.86
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Guild Holdings Co (NYSE:GHLD) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Guild Holdings Co's PE Ratio (TTM) for today is calculated as:
Guild Holdings Co's share price for today is $20.01.
Guild Holdings Co's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Sep. 2025 adds up the quarterly data reported by the company within the most recent 12 months, which was $2.010.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Guild Holdings Co EV-to-FCF Related Terms
Guild Holdings Co EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Guild Holdings Co's EV-to-FCF 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.
For the Mortgage Finance subindustry, Guild Holdings Co's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Guild Holdings Co's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Guild Holdings Co's EV-to-FCF falls into.
Guild Holdings Co's current Enterprise Value is $3,675 Mil.
Guild Holdings Co's Free Cash Flow for the trailing twelve months (TTM) ended in Sep. 2025 adds up the quarterly data reported by the company within the most recent 12 months, which was $25 Mil.
* 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 (GHLD) has a EV-to-FCF of 147.86 as of Jul. 28, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Guild Holdings Co and its competitors.
Is Guild Holdings Co's EV-to-FCF too high?
Guild Holdings Co's current EV-to-FCF is 147.86. The Banks industry median EV-to-FCF is 6.88. Guild Holdings Co's value of 147.86 is 2050.7% above this industry median. 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 EV-to-FCF compare to UWMC and BETR?
Guild Holdings Co's EV-to-FCF of 147.86 can be compared against companies in the Banks industry. The industry median EV-to-FCF is 6.88. Guild Holdings Co's value of 147.86 is 2050.7% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.88, based on 1,196 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Guild Holdings Co's current EV-to-FCF of 147.86 is 2050.7% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Guild Holdings Co and its competitors. For the Banks industry, the median EV-to-FCF is 6.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Guild Holdings Co's current EV-to-FCF is 147.86. 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 EV-to-FCF of 147.86. 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 EV-to-FCF is 147.86 and 2050.7% above the Banks industry median of 6.88. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Guild Holdings Co (GHLD), the current EV-to-FCF is 147.86 as of Jul. 28, 2026. 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:
EV-to-FCF: 147.86
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
Get the complete analysis for GHLD
EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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