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Guild Company (GHLD) investor relations material
Guild Company Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary5 Nov, 2025
Executive summary
Originated $7.4B in mortgage loans in Q3 2025, up 7% year-over-year, with 85.9%–86% from purchase originations, outperforming industry averages and reflecting a focus on purchase market share.
Net income was $33.3M for Q3 2025, reversing a loss in the prior year period and up 78.7% sequentially; diluted EPS was $0.53–$0.54 for Q3.
Adjusted net income was $47.0M and adjusted EBITDA was $72.0M for Q3, both showing strong sequential and year-over-year growth.
Servicing portfolio reached $98.3B UPB at Q3 end, up 2.3% sequentially and 8.4% year-over-year.
Announced a pending merger to become a private company, with a $20.00/share cash offer, expected to close by Q4 2025.
Financial highlights
Q3 2025 revenue: $307.4M, up 10% sequentially and 93% year-over-year; YTD revenue: $785.4M, up 16.1% year-over-year.
Loan origination fees and gain on sale: $243.9M in Q3, up 3.3% sequentially; gain on sale margin increased to 347 bps in Q3.
Loan servicing and other fees: $73.9M in Q3, up 1.6% sequentially; $219.4M YTD, up 7.3% year-over-year.
Book value per share: $19.87 at Q3 end; tangible net book value per share: $16.35.
MSR valuation adjustment loss: $(29.0)M in Q3, $(140.3)M YTD, reflecting negative fair value changes.
Outlook and guidance
Industry origination volume forecasted to rise 20.5% in 2025; company expects continued growth but notes ongoing margin pressure from competition and market volatility.
Merger expected to close by end of Q4 2025, with no financing conditions; company to become private.
Focus remains on customer-for-life strategy and expanding the platform.
MSR valuation impact on future earnings
Purchase recapture rate decline rationale
Merger's influence on capital allocation strategy
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Next Guild Company earnings date
Q4 20256 Mar, 2026
Next Guild Company earnings date
Q4 20256 Mar, 2026
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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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