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The historical data trend for Guild Holdings Co's OCF Margin % 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 OCF Margin %, along with its competitors' market caps and OCF Margin % 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Guild Holdings Co's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Guild Holdings Co's OCF Margin % 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.
Guild Holdings Co (GHLD) has a OCF Margin % of 25.05% as of Sep. 2025. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Guild Holdings Co and its competitors.
Is Guild Holdings Co's OCF Margin % too high?
Guild Holdings Co's current OCF Margin % is 25.05%. The Banks industry median OCF Margin % is 30.90. Guild Holdings Co's value of 25.05% is 18.9% below 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 OCF Margin % compare to UWMC and BETR?
Guild Holdings Co's OCF Margin % of 25.05% can be compared against companies in the Banks industry. The industry median OCF Margin % is 30.90. Guild Holdings Co's value of 25.05% is 18.9% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 30.90, based on 1,486 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Guild Holdings Co's current OCF Margin % of 25.05% is 18.9% below 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Guild Holdings Co and its competitors. For the Banks industry, the median OCF Margin % is 30.90 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Guild Holdings Co's current OCF Margin % is 25.05%. 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 OCF Margin % of 25.05%. 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 OCF Margin % is 25.05% and 18.9% below the Banks industry median of 30.90. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Guild Holdings Co (GHLD), the current OCF Margin % is 25.05% 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:
OCF Margin %: 25.05%
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
OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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