Guild Holdings's Competitiveness
A competitive positioning analysis and financial ratio benchmarking of Guild Holdings (GHLD) against its publicly traded competitors: sales growth, net income, profitability, valuation and market share, plus each peer's market capitalization, revenue, income and employees. Free below: the top 5 peers. Subscriber access adds the full competitor list and CSV downloads.
Key Findings: Guild Holdings vs Its Competitors
- TTM: Trailing 12-month revenue of 1,103M vs 362M combined for tracked competitors (75.3% combined share).
- Trending: Latest-quarter revenue run-rate is accelerating (+4.8% annualized vs trailing 12 months), vs decelerating (-32.6%) for its tracked peer group.
- Growth: Guild Holdings generated 98.1% revenue growth year over year in Q3 2025, vs 30.0% for its tracked competitors combined.
- Profitability: Its 11.6% net margin compares with 33.5% for the peer group.
- Peer revenue share: Guild Holdings accounted for 82.5% of combined revenue among its tracked peer group, up from 75.6% a year earlier.
- Peer differentiation: Revenue per employee of $2.98M compares with $0.00M for the peer group (680.3x).
Every figure above is sourced and cited in detail further down this page (Market Structure, Profitability & Cost Structure, Productivity vs Peers).
GHLD Sales vs. its Competitors, Q3 2025
Guild Holdings reported revenue growth of 98.08 % year on year in Q3 2025, above its competitors' combined revenue growth of 29.98 %.
With a net margin of 11.55 %, Guild Holdings reported lower profitability than its competitors (33.51 %).
Guild Holdings generated 82.53 % of the combined sales of its peer group, up from 75.61 % a year earlier.
Guild Holdings vs. its Competitors, Q3 2025
Revenue growth, year on year
Net margin
Revenue run-rate vs trailing 12 months
TTM net margin
TTM = trailing twelve months. Run-rate annualizes the latest quarter (×4) and compares it to TTM. In millions of $. High-Confidence Competitors are named as a competitor directly in an SEC filing; Similar-Size Competitors are the closest peers by market-cap rank within the same industry; Similar Growth & Profitability Competitors are the closest peers by combined revenue growth, operating margin and ROIC, all independent of the competitor list.
TTM revenue, latest-quarter run-rate and net income/margin benchmarked across Guild Holdings and its 4 competitor groupings. Available under Commercial License.
| Entity | TTM Revenue | Rev Run-rate vs TTM |
|---|---|---|
| Guild Holdings Company | $12,345M | +12.3% · Accelerating |
| Competitors combined | $12,345M | +12.3% · Accelerating |
| High-Confidence Competitors (1) | $12,345M | +12.3% · Accelerating |
| Similar Growth & Profitability (3) | $12,345M | +12.3% · Accelerating |
TTM revenue, run-rate and net margin benchmarking across Guild Holdings's competitor groups requires a Commercial License.
For context: the Consumer Financial Services industry grew revenue 9.0% year over year, combined, vs 98.1% for Guild Holdings. Guild Holdings's share of combined industry revenue moved from 0.37% to 0.68%, a gain of 0.30 percentage points.
Guild Holdings's Competitor Quality Breadth
Share of each group, trailing 12 months: profitable (net margin > 0), expanding (revenue growth > 0), growing faster than the industry's own median, and financially distressed (Piotroski F-Score of 2 or below).
| Entity | Profitable | Expanding | Above Industry Growth | Distressed |
|---|---|---|---|---|
| Guild Holdings Company | Yes | Yes | Yes | No |
| Competitors combined (2) | ||||
| High-Confidence Competitors (2) | ||||
| Similar Growth & Profitability (8) | 100.00 % (8 of 8) | 62.50 % (5 of 8) | 62.50 % (5 of 8) | 25.00 % (2 of 8) |
Source: CSIMarket API, trailing 12 months. Altman Z-Score is not shown here: it is not populated in the underlying data for any company. Percentages are of companies in each group that report the relevant metric, not of the full group size.
GHLD Stock Performance relative to its Competitors
GHLD Stock Performance relative to High-Confidence Competitors
GHLD Stock Performance relative to Similar Growth & Profitability Competitors
5 Best-Performing Tracked Competitors, Trailing 12 Months
| # | Competitor | TTM Share Price Return | vs U.S.A. 500 |
|---|---|---|---|
| 1 | Financial Institutions Inc | 282.9% | Outperformed |
| 2 | Bank Bradesco | 282.9% | Outperformed |
TTM share price return and U.S.A. 500 outperformance for Guild Holdings's best-performing tracked competitors requires a Commercial License.
Source: CSIMarket API, trailing 12 months.
Guild Holdings's Comment on Competition and Industry Peers
Publicly Traded Peers of Guild Holdings Company
Revenue and income for trailing 12 months, in millions of $, except employees| Company | Market Cap | Revenues |
|---|---|---|
| Guild Holdings Company | 1,256.91 | 1,102.70 |
| Bank Bradesco | 17,745.97 | 118.96 |
| Financial Institutions Inc | 788.67 | 243.46 |
| SUBTOTAL | 19,791.55 | 1,465.12 |
Sources: Guild Holdings Company's official press releases and regulatory filings; CSIMarket.com's market research; and the financial filings and press releases of the other companies cited.
Updated on:
Focus of this report: publicly traded companies. Ten additional tables on Guild Holdings Company versus competitors, including market share analysis, are in the navigation menu under Competition. To download the tables, please subscribe.
Guild Holdings's Competitors Named by the Company
Competitive relationships identified from SEC filings and corroborating sources, each with a basis and confidence.| Competitor | Basis | Confidence |
|---|---|---|
| Bright Horizons Family Solutions Inc | Named by the company | 85% |
| Icc Holdings Inc | Named by the company | 85% |
| Bank Bradesco | Named by the company | 85% |
| Financial Institutions Inc | Named by the company | 85% |
Filing basis, confidence, active dates and source counts for Guild Holdings's named competitors require a Commercial License.
Methodology: relationships are extracted from SEC filings (named-competitor disclosures) and corroborating sources. Named by the company = explicitly disclosed as a competitor; Inferred = derived from corroborating signals. Confidence reflects evidence strength.
Guild Holdings's Business Segment Mix vs Peers
Revenue by operating segment or division, as named and reported by each company. Segment names are the filer's own and are not standardized across companies. Do not assume a same-named or similarly-named segment is defined identically between two companies. Shares are of each company's own total revenue and are not required to sum to 100% (intersegment revenue, unallocated items).| Company | Largest Segment |
|---|---|
| Guild Holdings Company | Origination 9.82 % |
Source: operating segment revenue as reported in each company's SEC filings (10-K/10-Q), via the CSIMarket API, leaf-level reportable segments only (parent roll-up segments are excluded where sub-segments are separately disclosed).
Guild Holdings's Productivity vs Peers Comparison
Revenue and income per employee, trailing 12 months, in $; market cap in millions of $| Company | Market Cap | Revenue / Employee | Income / Employee |
|---|---|---|---|
| Guild Holdings Company | 1,257 | 2,980,270 | 340,376 |
| Bank Bradesco | 17,746 | 1,449 | 55,371 |
| Financial Institutions Inc | 789 | 385,837 | 130,945 |
| PEERS TOTAL | 18,535 | 4,381 | 55,947 |
Guild Holdings's Position in Industry Market Structure
Market-capitalization share and concentration across all 29 companies in Guild Holdings's industry classification, broader than the peer set above. Market cap in millions of $.Guild Holdings ranks #0 of 29 companies by market capitalization in its industry, holding 0.00 % of total industry market cap. The industry's Herfindahl-Hirschman Index (HHI) is 1,783, indicating a moderately concentrated market structure (U.S. antitrust guidance: below 1,500 unconcentrated, 1,500 to 2,500 moderately concentrated, above 2,500 highly concentrated).
| Rank | Company | Market Cap | Industry Share |
|---|---|---|---|
| 1 | S and p Global Inc | 124,542 | 31.58 % |
| 2 | Moody s Corporation | 80,284 | 20.36 % |
| 3 | Paccar Inc | 58,907 | 14.94 % |
| 4 | Rocket Companies Inc | 33,099 | 8.39 % |
| 5 | Affirm Holdings Inc | 1,234 | 5.2% |
| 6 | Equifax Inc | 1,234 | 5.2% |
| 7 | Transunion | 1,234 | 5.2% |
| 8 | Onemain Holdings Inc | 1,234 | 5.2% |
| 9 | Credit Acceptance Corp | 1,234 | 5.2% |
| 10 | Nelnet Inc | 1,234 | 5.2% |
| 0 | Guild Holdings Company | 1,257 | 0.00 % |
Market cap and industry share for the rest of Guild Holdings's industry peers requires a Commercial License.
Source: CSIMarket API (daily market-structure computation) across CSIMarket's industry classification, market capitalization as of 2025-11-26.
Guild Holdings's Profitability & Cost Structure
Trailing 12-month margins from SEC-filed financials. Operating margin is compared to the Consumer Financial Services industry median; gross margin, EBITDA margin and capital intensity are compared to the live industry average (37 companies). See the full Consumer Financial Services industry profitability benchmarks.| Metric | Company | Industry | Difference |
|---|---|---|---|
| Gross Margin | 105.05 % | 63.05 % (avg) | +42.0 pp |
| Operating Margin | 157.89 % | industry median | +139.5 pp |
| EBITDA Margin | 14.66 % | 30.50 % (avg) | -15.8 pp |
| Capital Intensity (Capex / Revenue) | 0.82 % | 8.55 % (avg) | -7.7 pp |
Source: CSIMarket API, trailing 12 months. SG&A and R&D as a share of revenue have limited coverage as this data is backfilled and appear only where reported. Higher capital intensity is not inherently negative; it reflects the industry's asset requirements.
Guild Holdings's Valuation vs Competitive Position
Valuation multiples vs the Consumer Financial Services industry average (37 companies, excluding loss-making/negative-equity outliers), alongside returns on capital for context on whether a premium or discount lines up with measurably stronger or weaker returns. See the full Consumer Financial Services industry valuation benchmarks.| Metric | Company | Industry Average | Difference |
|---|---|---|---|
| P/E | 9.9x | 19.3x | -9.5x |
| EV / EBITDA | 18.2x | 11.7x | +6.5x |
| P/B | 1.0x | 2.7x | -1.6x |
| Return on Equity | 10.26 % | industry aggregate | -3.64 % |
| Return on Invested Capital | 35.60 % | 4.81 % (avg) | 30.79 % |
Source: CSIMarket API, trailing 12 months. A valuation premium or discount is not, by itself, a judgment of over- or under-valuation. Compare it against the return and growth context shown elsewhere on this page.
Guild Holdings's Multi-Year Financial Trajectory
Fiscal-year revenue growth, operating margin, return on invested capital and P/E, as reported in SEC filings.| Metric | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|
| Revenue Growth | - | - | - | - | 64.60 % |
| Operating Margin | - | 28.21 % | - | 92.41 % | 111.90 % |
| Return on Invested Capital | - | 19.03 % | - | 10.88 % | 19.64 % |
| P/E | - | 3.0x | 2.0x | - | 8.2x |
Source: CSIMarket API, fiscal-year figures. P/E is this company's own historical ratio at each fiscal year end and can swing sharply around an earnings trough: that is real, not a data error.
Guild Holdings's Strategic Group Map
Every company in Guild Holdings's industry and named-competitor list, plotted by trailing 12-month revenue growth and operating margin. Guild Holdings is shown in red; its closest peers by combined growth, margin and ROIC (the Similar Growth & Profitability group above) are labeled.
Source: CSIMarket API, trailing 12 months. Extreme outlier values (from near-zero-revenue companies) are excluded from the plotted cloud but never from the highlighted company or its labeled peers.
Guild Holdings's Competitive Forces (Porter's Five Forces)
Only the forces this data can support honestly are shown; the other three are marked as such rather than guessed.| Force | Assessment | Basis |
|---|---|---|
| Competitive Rivalry | Moderate | Industry HHI of 1,783 (see Industry Market Structure & Concentration above) |
| Barriers to Entry | Lower than typical for the industry | Capital intensity (capex / revenue) of 0.82 % vs industry average 8.55 % (see Profitability & Cost Structure above) |
| Supplier Power | Not covered on this page | See Guild Holdings's dedicated suppliers page for concentration and dependency data |
| Buyer Power | Not covered on this page | See Guild Holdings's dedicated customers page for concentration and dependency data |
| Threat of Substitutes | - | No systematic data source for cross-product substitution exists in this system; not estimated |
Note: this is a partial, data-grounded application of the framework, not a complete strategic assessment. Rivalry and barriers-to-entry readings are mechanical translations of the HHI and capital-intensity figures shown elsewhere on this page, not independent judgments.
Guild Holdings's Industry Attractiveness & Competitive Strength
A CSIMarket composite, not a standard field: each axis is an equal-weighted average of three factors already shown elsewhere on this page (industry growth, industry profitability and rivalry for attractiveness; relative market share, profitability and growth vs industry for strength). Disclosed as a designed methodology, not a precision measurement.
Guild Holdings falls in the Medium attractiveness / Medium strength cell: Selective.
Source: CSIMarket API, trailing 12 months. Each axis score is a simple 1(low)/2(medium)/3(high) average across its three inputs -- a transparent, disclosed simplification, not a validated academic scoring model.
Guild Holdings's SWOT
Every point below is a fixed rule applied to a metric already shown elsewhere on this page (Market Structure, Profitability, Valuation, Run-Rate, Stock Performance, Quality Breadth) not an independent strategic assessment. A blank quadrant means no rule was met, not that none apply.Strengths
- Operating margin 139.5 points above the industry median.
- Latest-quarter revenue run-rate is accelerating (+4.8% annualized vs trailing 12 months).
- Outperforming the U.S.A. 500 over the trailing 12 months.
Weaknesses
No rule matched.
Opportunities
- Trades at a lower P/E than the industry average (9.9x vs 19.3x) despite a higher return on invested capital -- a possible re-rating opportunity.
Threats
- Tracked peer group's revenue run-rate is broadly decelerating (-32.6% annualized).
Methodology: mechanical, rule-based SWOT. Each bullet reuses a figure already sourced and cited elsewhere on this page; nothing here is generated narrative or independent analyst judgment.
Guild Holdings's Financial Strength vs Peers Comparison
Quick ratio, working capital, debt to equity and asset turnover, trailing 12 months| Company | Quick Ratio | Working Capital | Debt / Equity |
|---|---|---|---|
| Guild Holdings Company | 0.04 | 0.64 | 1.47 |
| Bank Bradesco | - | 6.18 | - |
| Financial Institutions Inc | 0.01 | 1.33 | 0.37 |
Quick ratio = cash / current liabilities; working capital ratio = current assets / current liabilities; asset turnover = revenue / total assets. Peers in the Blank Checks industry are excluded.
Guild Holdings's Revenue and Income Growth vs Peers
Quarterly revenue and net income growth, year over year and quarter over quarter| Company | Period | Revenue Y/Y | Income Y/Y |
|---|---|---|---|
| Guild Holdings Company | Q3 2025 | +98.1 % | - |
| Bank Bradesco | Q4 2025 | -71.8 % | +36.4 % |
| Financial Institutions Inc | Q2 2026 | +7.0 % | +20.8 % |
| PEERS TOTAL | -24.9 % | +40.1 % |
Growth is shown only where both periods are positive. Peers in the Blank Checks industry are excluded.
Guild Holdings's Peers' Costs of Sales and Capital Expenditures
Context for revenue growth: peer costs and capex, year over year and quarter over quarter| Company | Period | Costs Y/Y | Capex Y/Y |
|---|---|---|---|
| Guild Holdings Company | Q3 2025 | - | -45.7 % |
| Bank Bradesco | Q4 2025 | - | +118.7 % |
| Financial Institutions Inc | Q2 2026 | +21.3 % | -46.9 % |
Guild Holdings's Returns and Turnover vs Peers
ROA, ROI and ROE (trailing 12 months), receivables and inventory turnover| Company | ROA | ROI | ROE |
|---|---|---|---|
| Guild Holdings Company | 2.59% | 3.44% | 10.26% |
| Bank Bradesco | 1.03% | 1.03% | 13.37% |
| Financial Institutions Inc | 1.31% | 3.75% | 13.09% |
ROA = net income / total assets; ROI = net income / investments; ROE = net income / equity; turnover ratios use trailing 12 month revenue (receivables) and cost of sales (inventory).
Guild Holdings's Valuation vs Peers
P/E, price to sales, PEG, price to cash flow and price to book| Company | P/E | Price / Sales |
|---|---|---|
| Guild Holdings Company | 9.90 | 1.14 |
| Bank Bradesco | 0.75 | 149.18 |
| Financial Institutions Inc | 9.67 | 3.24 |
| PEERS AVERAGE | 4.16 | 13.51 |
P/E = price / diluted EPS (trailing 12 months); PEG = P/E divided by EPS growth; the average row divides the peers' combined market cap by their combined income, sales, cash flow and equity.