Event-Driven Stocks

Guild Holdings Co

GHLD

Financials · Mortgage Bankers & Loan Correspondents · DE · SEC filings ↗ · Compare ⊕

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Signs● 3 warningdetails ↓

Financials

SEC XBRL · annual
 FY24FY23FY22FY21FY20FY19
Revenue——————
Operating income——————
Net income$97.1M−$39.0M$328.6M$283.8M$370.6M$5.6M
Total assets$4.77B$3.68B$3.24B$4.38B$4.82B$2.61B
Total liabilities$3.51B$2.49B$1.99B$3.46B$4.08B$2.20B
Equity$1.25B$1.18B$1.25B$920.0M$736.0M$406.0M
EPS (diluted)$1.56$-0.64$5.35$4.67$6.17—
Shares out.62.1M61.0M61.4M60.8M60.1M928

Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.

Key ratios

from filings · FY2024
Operating margin
—
Net margin
—
Return on equity
7.7%
Return on assets
2.0%
Return on capital (ROCE)
—
Liabilities / assets
73.7%
Debt / equity
2.80×
Book value / share
$20.19
Revenue growth (YoY)
—
Net income growth (YoY)
—

Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.

Financial health

forensic scores · FY2024
Accruals / assets
15.9%high accruals
Piotroski F-Score
2/6weak

Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.

Quality score

EDS Score
54
/ 100
Profitability 100Growth n/aCatalyst 67Earnings quality 0Financial strength 50

Our own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.

Signs

● 3 warning● 0 good
  • High leverage (liabilities > 70% of assets)
  • Negative operating cash flow
  • High accruals — earnings-quality risk

Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.

5%+ owners

SEC Schedule 13D / 13G · last 3 yrs

Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.

Insider transactions

SEC Form 4 · most recent
0 acquisitions1 disposalsnet −332,790 shares · last 1
InsiderDateTypeSharesPrice
Mcgarry Mary AnnDirectorNov 28, 2025D332,790—

Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.

Short interest

FINRA · bi-monthly
SettlementShares shortDays to coverΔ vs prior
Nov 28, 20255,3821.0-97.8%
Nov 14, 2025248,13213.9-2.9%
Oct 31, 2025255,4897.6-6.6%
Oct 15, 2025273,43512.8+3.0%
Sep 30, 2025265,3809.1+0.1%

Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.

Material events

SEC Form 8-K · most recent

Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.

Recent SEC filings

All filings ↗

Event-driven situations (1)