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Guild Company (GHLD) investor relations material
Guild Company Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary7 Aug, 2025
Executive summary
Originated $7.5B in mortgage loans in Q2 2025, up 43.6% sequentially and 15% year-over-year, with 89% from purchase originations.
Net income was $18.7M for Q2 2025, reversing a Q1 2025 loss; adjusted net income was $41.4M and adjusted EBITDA $58.0M, both highest since 2021.
Pending merger with Gulf MSR HoldCo, LLC/Bayview Asset Management to take company private at $20 per share; special dividend declared and share repurchase program terminated.
Servicing portfolio UPB reached $96.3B at June 30, 2025, up 8.7% year-over-year.
Diluted EPS was $0.30 in Q2 2025, compared to $(0.39) in Q1 2025; adjusted EPS (diluted) was $0.66.
Financial highlights
Q2 2025 revenue: $279.4M, up 40.8% sequentially; H1 2025 revenue: $477.9M, down 7.6% year-over-year.
Gain on sale margin on originations was 329 bps, down 47 bps sequentially but up 3 bps year-over-year.
Loan servicing and other fees: $72.7M in Q2 2025, flat sequentially; $145.5M for H1 2025, up 9.0% year-over-year.
Cash and equivalents: $107.4M at June 30, 2025.
Tangible net book value per share: $16.01 at June 30, 2025.
Outlook and guidance
Merger expected to close in Q4 2025; each share to be converted to $20.00 in cash.
Special cash dividend of $0.25 per share declared, payable September 2, 2025.
Management expects continued growth through a balanced business model despite market challenges.
No conference call held due to the pending merger; further updates to be provided as the transaction progresses.
Interest rates expected to remain volatile; 30-year mortgage rates projected near 7.0% for 2025.
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Next Guild Company earnings date
Q3 20255 Nov, 2025
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Q3 20255 Nov, 2025
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Frequently asked questions
Guild Holdings Company is a mortgage company providing residential mortgage lending services across the United States. The company originates a wide range of loan products, including conventional, government-backed, and jumbo loans, serving homebuyers and refinancers. Guild also offers loan servicing, guiding customers through the lifecycle of their mortgages. Its operations focus on delivering personalized support through a network of loan officers and branches, as well as digital platforms. The company is headquartered in San Diego, California, and its shares are listed on the NYSE.
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