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Retained earnings is the accumulated portion of net income that is not distributed to shareholders. Guild Holdings Co's retained earnings for the quarter that ended in Sep. 2025 was $1,182 Mil.
Guild Holdings Co's quarterly retained earnings
increased
from Mar. 2025 ($1,146 Mil) to Jun. 2025 ($1,164 Mil) and
increased
from Jun. 2025 ($1,164 Mil) to Sep. 2025 ($1,182 Mil).
Guild Holdings Co's annual retained earnings
declined
from Dec. 2022 ($1,206 Mil) to Dec. 2023 ($1,135 Mil) but then
increased
from Dec. 2023 ($1,135 Mil) to Dec. 2024 ($1,201 Mil).
Guild Holdings Co (NYSE:GHLD) Retained Earnings Explanation
Historically profitable companies sometimes have negative retained earnings. This is because they have cumulatively paid out more to shareholders than they reported in profits.
For example, in 2011, Microsoft had negative retained earnings. This does not mean the company lost more money than it made over the years. It just means it paid out more money than it earned.
If a company has negative retained earnings, investors should check the 10-year financial results. They should not assume that negative retained earnings prove a company has generally lost money in the past.
Of course, many companies with negative retained earnings have indeed lost money in the past.
Retained Earnings: Warren Buffett's Secret.
One of the most important indicators of durable competitive advantage. Net earnings can be paid out as dividends, used to buy back shares or retained for growth.
If the company loses more than it has accumulated, retained earnings is negative.
If a company isn't adding to its retained earnings, it isn't growing its net worth.
Rate of growth of retained earnings is good indicator whether it's benefiting from a competitive advantage.
Microsoft is negative because it chose to buyback stock and pay dividends.
The more earnings retained, the faster it grows and increases growth rate for future earnings.
Guild Holdings Co Retained Earnings Historical Data
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The historical data trend for Guild Holdings Co's Retained Earnings 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.
Retained Earnings is the accumulated portion of net income that is not distributed to shareholders. Because the net income was not distributed to shareholders, shareholders' equity is increased by the same amount.
Of course, if a company loses, it is called retained losses, or accumulated losses.
Guild Holdings Co (GHLD) has a Retained Earnings of $1,182 Mil as of Sep. 2025. Retained earnings is the amount of net income not issued to shareholders. View historical data on Guild Holdings Co and its competitors.
Is Guild Holdings Co's Retained Earnings too high?
Guild Holdings Co's current Retained Earnings is $1,182 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 Retained Earnings compare to UWMC and BETR?
Guild Holdings Co's Retained Earnings of $1,182 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 Retained Earnings for a Banks company?
A good Retained Earnings depends on the Banks industry context. However, Retained Earnings 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 Retained Earnings mean?
A high Retained Earnings can signal that a stock is expensive relative to its fundamentals. Retained earnings is the amount of net income not issued to shareholders. View historical data on Guild Holdings Co and its competitors. Guild Holdings Co's current Retained Earnings is $1,182 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 Retained Earnings of $1,182 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 Retained Earnings is $1,182 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 Retained Earnings calculated?
Retained Earnings is calculated from a company's financial statements. For Guild Holdings Co (GHLD), the current Retained Earnings is $1,182 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:
Retained Earnings: $1,182 Mil
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
Retained Earnings is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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