GHLD (Guild Holdings Co) Interest Expense: $-112 Mil (TTM As of Sep. 2025)

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GHLD Guild Holdings Co GHLD
49 GF Score
Price $20.01
GF Value $19.49
! 5 Warning Signs
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What is Guild Holdings Co Interest Expense?

Guild Holdings Co GHLD +0.70% 49 Interest Expense is $-112 Mil as of Sep. 2025. GuruFocus rates GHLD with a GF Score™ of 49/100 and a GF Value™ of $19.49. The stock has 5 warning signs investors should review.

Interest Expense is the amount reported by a company or individual as an expense for borrowed money. Guild Holdings Co's interest expense for the three months ended in Sep. 2025 was $ -29 Mil. Its interest expense for the trailing twelve months (TTM) ended in Sep. 2025 was $-112 Mil.

Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income(EBIT) by its Interest Expense. Guild Holdings Co's Operating Income for the three months ended in Sep. 2025 was $ Mil. Guild Holdings Co's Interest Expense for the three months ended in Sep. 2025 was $ Mil. The higher the ratio, the stronger the company's financial strength is. Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.

Guild Holdings Co Interest Expense Historical Data

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The historical data trend for Guild Holdings Co's Interest Expense 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 Interest Expense Chart

Guild Holdings Co Annual Data
Trend Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Interest Expense
Get a 7-Day Free Trial -61.96 -63.43 -51.26 -66.36 -109.84

Guild Holdings Co Quarterly Data
Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25
Interest Expense Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -33.34 -31.32 -22.08 -28.96 -29.22
GHLD
49GF Score
Guild Holdings Co GHLD
Interest Expense is just one metric. See GF Score™, valuation, warning signs, and more.
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Guild Holdings Co Interest Expense Calculation

Interest Expense is the amount reported by a company or individual as an expense for borrowed money.

Interest Expense 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 $-112 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.

Frequently Asked Questions Learn more about Interest Expense →
What does a Interest Expense of $-112 Mil mean?
Guild Holdings Co (GHLD) has a Interest Expense of $-112 Mil as of Sep. 2025. Interest Expense is the amount a company pays on its long-term debt. View historical data on Guild Holdings Co and its competitors.
Is Guild Holdings Co's Interest Expense too high?
Guild Holdings Co's current Interest Expense is $-112 Mil. 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 Interest Expense compare to UWMC and BETR?
Guild Holdings Co's Interest Expense of $-112 Mil 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 Interest Expense for a Banks company?
A good Interest Expense depends on the Banks industry context. However, Interest Expense 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 Interest Expense mean?
A high Interest Expense can signal that a stock is expensive relative to its fundamentals. Interest Expense is the amount a company pays on its long-term debt. View historical data on Guild Holdings Co and its competitors. Guild Holdings Co's current Interest Expense is $-112 Mil. 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 Interest Expense of $-112 Mil. 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 Interest Expense is $-112 Mil. 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 Interest Expense calculated?
Interest Expense is calculated from a company's financial statements. For Guild Holdings Co (GHLD), the current Interest Expense is $-112 Mil 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:

  • Interest Expense: $-112 Mil
  • GF Value™: $19.49 vs. price of $20.01 (2.7% above fair value)
  • GF Score™: 49/100 with 5 warning signs

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 Business Description

Address 5887 Copley Drive, San Diego, CA, USA, 92111
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

Interest Expense is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$20.01
Price
$19.49
GF Value