GHLD (Guild Holdings Co) Risk Assessment

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

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 Risk Assessment?

Risk Assessment represents the investment risk of a stock derived from our exclusive method. It suggests how risky the investment opportunity is based on the valuation and the fundamental performance of the stock. It is derived from following key aspects:

1. GuruFocus internally developed valuations of the stock, such as GF valuation.
2. Quality Rank, a business quality indicator developed by GuruFocus.
3. Fundamental performance: Piotroski F-Score, Altman Z-Score, Beneish M-Score, etc.
4. Growth opportunities: 5-year revenue growth rate, 5-Year EPS without NRI Growth Rate, etc.

Value investors are always willing to find undervalued stocks. However, not all the undervalued stocks are good deals, we should also be careful of how risky the investment opportunity is. We believe that if the company's financial strength and profitability are strong, and the stock price is within a reasonable range of the GF valuation, or stock has a high return with its price being undervalued, then it might be a good investment opportunity with low risk.

Based on those aspects listed above, GuruFocus believes the risk assessment of Guild Holdings Co is: No Data: Cannot be evaluated.

Guild Holdings Co  (NYSE:GHLD) Risk Assessment Explanation

Based on the four aspects listed above, GuruFocus provides the following 7 evaluations:

All-in-One Screener Examples (1)
Low Risk: Strong fundamentals, worth long-term holding
Moderate Risk: Sensitive, better choose undervalued stock
High Risk: High uncertainty with risk-return tradeoff
High Risk: Good fundamentals, beware of shrinking business
High Risk: Sensitive to economic or industry trends
High Risk: High uncertainty
No Data: Cannot be evaluated

(1) These are some simple examples. You can access our Risk Assessment filter under All-in-One Screener’s Fundamental tab and set your own criteria.

Guild Holdings Co Risk Assessment Related Terms

GHLD vs UWMC, BETR, VEL: Risk Assessment Comparison

For the Mortgage Finance subindustry, Guild Holdings Co's Risk Assessment, along with its competitors' market caps and Risk Assessment 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 Risk Assessment vs Banks Industry

For the Banks industry and Financial Services sector, Guild Holdings Co's Risk Assessment distribution charts can be found below:

* The bar in red indicates where Guild Holdings Co's Risk Assessment falls into.


GHLD
49GF Score
Guild Holdings Co GHLD
Risk Assessment is just one metric. See GF Score™, valuation, warning signs, and more.
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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:

  • Risk Assessment:
  • 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

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

$20.01
Price
$19.49
GF Value