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Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Guild Holdings Co's annualized net income for the quarter that ended in Sep. 2025 was $133 Mil. Guild Holdings Co's average shareholder tangible equity for the quarter that ended in Sep. 2025 was $-312 Mil. Therefore, Guild Holdings Co's annualized Return-on-Tangible-Equity for the quarter that ended in Sep. 2025 was Negative Tangible Equity%.
The historical rank and industry rank for Guild Holdings Co's Return-on-Tangible-Equity or its related term are showing as below:
GHLD'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 222.89 Med: 356.94 Max: 490.98
Current: Negative Tangible Equity
During the past 7 years, Guild Holdings Co's highest Return-on-Tangible-Equity was 490.98%. The lowest was 222.89%. And the median was 356.94%.
GHLD's Return-on-Tangible-Equity is not ranked
in the Banks industry.
Industry Median: 11.485
vs GHLD: Negative Tangible Equity
Guild Holdings Co (NYSE:GHLD) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Guild Holdings Co Return-on-Tangible-Equity Related Terms
Guild Holdings Co Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Guild Holdings Co's Return-on-Tangible-Equity 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.
GHLD vs UWMC, BETR, VEL: Return-on-Tangible-Equity Comparison
For the Mortgage Finance subindustry, Guild Holdings Co's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Guild Holdings Co's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Guild Holdings Co's Return-on-Tangible-Equity 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 Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Sep. 2025) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of Negative Tangible Equity% mean?
Guild Holdings Co (GHLD) has a Return-on-Tangible-Equity of Negative Tangible Equity% as of Sep. 2025. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Guild Holdings Co and its competitors. Over the past decade, Guild Holdings Co's Return-on-Tangible-Equity has ranged from 222.89 to 490.98.
Is Guild Holdings Co's Return-on-Tangible-Equity too high?
Guild Holdings Co's current Return-on-Tangible-Equity is Negative Tangible Equity%. Over the past 10 years, this metric has ranged from a low of 222.89 to a high of 490.98. 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 Return-on-Tangible-Equity compare to UWMC and BETR?
Guild Holdings Co's Return-on-Tangible-Equity of Negative Tangible Equity% can be compared against companies in the Banks industry. The industry median Return-on-Tangible-Equity is 11.49. Historically, Guild Holdings Co's own Return-on-Tangible-Equity has ranged from 222.89 to 490.98 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.49, based on 1,514 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Guild Holdings Co and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.49 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Guild Holdings Co's current Return-on-Tangible-Equity is Negative Tangible Equity%. 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 Return-on-Tangible-Equity of Negative Tangible Equity%. 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 Return-on-Tangible-Equity is Negative Tangible Equity%. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Guild Holdings Co (GHLD), the current Return-on-Tangible-Equity is Negative Tangible Equity% 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.
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
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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