Guild Holdings Co
NYSE:GHLD
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EV/EBIT
Enterprise Value to EBIT (EV/EBIT) ratio compares a company`s total enterprise value to its earnings before interest and taxes. It shows how much investors are paying for each dollar of the company`s earnings, including both equity and debt.
Enterprise Value to EBIT (EV/EBIT) ratio compares a company`s total enterprise value to its earnings before interest and taxes. It shows how much investors are paying for each dollar of the company`s earnings, including both equity and debt.
Valuation Scenarios
If EV/EBIT returns to its 3-Year Average (19.5), the stock would be worth $88.82 (22% upside from current price).
| Scenario | EV/EBIT Value | Implied Price | Upside/Downside |
|---|---|---|---|
| Current Multiple | 16 | $73.02 |
0%
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| 3-Year Average | 19.5 | $88.82 |
+22%
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| 5-Year Average | 15.7 | $71.28 |
-2%
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| Industry Average | 20 | $90.98 |
+25%
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| Country Average | 19.6 | $89.36 |
+22%
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Forward EV/EBIT
Today’s price vs future ebit
| Today's Enterprise Value | EBIT | Forward EV/EBIT | ||
|---|---|---|---|---|
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$4.4B
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/ |
Oct 2025
$275.3m
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= |
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$4.4B
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/ |
Dec 2025
$79.1m
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= |
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$4.4B
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/ |
Dec 2026
$137.6m
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= |
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$4.4B
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/ |
Dec 2027
$63.4m
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= |
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Forward EV/EBIT shows whether today’s EV/EBIT still looks high or low once future ebit are taken into account.
Peer Comparison
| Market Cap | EV/EBIT | P/E | ||||
|---|---|---|---|---|---|---|
| US |
|
Guild Holdings Co
NYSE:GHLD
|
1.3B USD | 16 | 36.1 | |
| US |
|
Rocket Companies Inc
NYSE:RKT
|
43.1B USD | 78 | -633.3 | |
| US |
|
Mr Cooper Group Inc
NASDAQ:COOP
|
13.5B USD | 30 | 23.7 | |
| US |
|
Federal National Mortgage Association
OTC:FNMA
|
8B USD | 234.8 | 890.4 | |
| US |
|
MGIC Investment Corp
NYSE:MTG
|
6.3B USD | 0 | 8.5 | |
| US |
|
Enact Holdings Inc
NASDAQ:ACT
|
6.2B USD | 0 | 9.3 | |
| BM |
|
Essent Group Ltd
NYSE:ESNT
|
6.2B USD | 0 | 8.9 | |
| US |
|
UWM Holdings Corp
NYSE:UWMC
|
5.9B USD | 12.8 | 214.4 | |
| US |
|
Axos Financial Inc
NYSE:AX
|
5.5B USD | 0 | 12.1 | |
| US |
|
Radian Group Inc
NYSE:RDN
|
4.9B USD | 0 | 8.4 | |
| US |
|
PennyMac Financial Services Inc
NYSE:PFSI
|
4.7B USD | 36 | 9.3 |
Market Distribution
| Min | 0 |
| 30th Percentile | 13.6 |
| Median | 19.6 |
| 70th Percentile | 27.8 |
| Max | 1 826 183.2 |
Other Multiples
Guild Holdings Co
Glance View
Guild Holdings Co. operates as a growth-oriented mortgage company. The company is headquartered in San Diego, California and currently employs 5,100 full-time employees. The company went IPO on 2020-10-22. The firm operates through two segments: Origination and Servicing. The firm operates its loan origination business in approximately forty-eight states. The Originations segment is primarily responsible for loan origination, acquisition and sale activities. The firm services loans out of its corporate office in San Diego, California. The servicing segment provides a stream of cash flow to support the origination segment. The servicing segment is primarily responsible for the servicing activities of all loans in the Company’s servicing portfolio, which includes collection and remittance of loan payments, managing borrower’s impound accounts for taxes and insurance, loan payoffs, loss mitigation and foreclosure activities. The firm has developed in-house servicing platform.
