Guild Holdings Co (GHLD) Peer Comparison
$20.01
$0.14
(0.70%)
As on 26-Nov-2025 19:00EDT
Market cap
$1,246 Mln
Revenue (TTM)
$1,297 Mln
P/E Ratio
9.9
P/B Ratio
1
Div. Yield
0 %
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| Guild Holdings Co (GHLD) | Ally Financial (ALLY) | FirstCash Holdings (FCFS) | OneMain Holdings (OMF) | Credit Acceptance (CACC) | |
|---|---|---|---|---|---|
Market cap ($ Mln) |
1,246 | 12,865 | 9,508 | 7,098 | 6,223 |
Revenue ($ Mln) |
1,297 | 15,841 | 4,120 | 6,418 | 2,324 |
Net Profit ($ Mln) |
126.03 | 1,454.00 | 388.15 | 781.00 | 501.90 |
Net Margin (%) |
9.71 | 9.18 | 9.42 | 12.17 | 21.60 |
RoE (%) |
10.35 | 9.38 | 16.88 | 23.02 | 32.25 |
Price to Earnings |
9.91 | 9.95 | 24.97 | 9.31 | 13.12 |
Price-To-Book |
1.01 | 0.97 | 4.19 | 2.18 | 3.92 |
Income Statement ($ Mln)
| Guild Holdings Co (GHLD) | Ally Financial (ALLY) | FirstCash Holdings (FCFS) | OneMain Holdings (OMF) | Credit Acceptance (CACC) | |
|---|---|---|---|---|---|
|
Operating Revenue
|
1,297.36 | 16,369.00 | 3,388.51 | 5,722.00 | 2,134.30 |
|
Cost of Revenue
|
111.57 | 9,638.00 | 1,758.98 | 3,225.00 | 802.20 |
|
Gross Profit
|
1,064.87 | 6,731.00 | 1,629.53 | 2,497.00 | 1,332.10 |
|
Operating Expenses
|
1,022.07 | 5,895.00 | 1,179.12 | 1,830.00 | 1,007.00 |
|
Operating Profit (EBIT)
|
163.72 | 836.00 | 450.41 | 667.00 | 325.10 |
|
Other Income
|
0.00 | -- | -- | -- | -- |
|
Profit before Tax
|
163.72 | 836.00 | 342.78 | 667.00 | 329.50 |
|
Provision for Tax
|
37.78 | 167.00 | 83.96 | 158.00 | 81.60 |
|
Profit after Tax (Net Income)
|
126.03 | 668.00 | 258.82 | 509.00 | 247.90 |
|
Minority Interest
|
0.09 | -- | -- | -- | -- |
|
Consolidated Profit
|
0.00 | 558.00 | -- | 509.00 | -- |
Liabilities ($ Mln)
| Guild Holdings Co (GHLD) | Ally Financial (ALLY) | FirstCash Holdings (FCFS) | OneMain Holdings (OMF) | Credit Acceptance (CACC) | |
|---|---|---|---|---|---|
|
Shareholder's Funds
|
1,237.14 | 13,903.00 | 2,054.16 | 3,191.00 | 1,749.60 |
|
Minority Interest
|
0.09 | -- | -- | -- | -- |
|
Non-Current Liabilities
|
1,465.62 | 23,339.00 | 2,083.42 | 22,719.00 | 6,672.00 |
|
Current Liabilities
|
2,393.84 | 154,594.00 | 339.40 | 40,921.00 | 433.00 |
|
Total Liabilities
|
4,768.30 | 191,836.00 | 4,476.99 | 25,910.00 | 9,741.10 |
Assets ($ Mln)
| Guild Holdings Co (GHLD) | Ally Financial (ALLY) | FirstCash Holdings (FCFS) | OneMain Holdings (OMF) | Credit Acceptance (CACC) | |
|---|---|---|---|---|---|
|
Non-Current Assets
|
4,914.15 | 161,293.00 | 3,073.24 | 23,229.00 | 145.70 |
|
Current Assets
|
182.88 | 30,543.00 | 1,403.75 | 2,681.00 | 8,708.90 |
|
Total Assets
|
4,768.30 | 191,836.00 | 4,476.99 | 25,910.00 | 9,741.10 |
|
Total Debt*
|
3,334.41 | 19,231.00 | 2,050.01 | 21,438.00 | 6,352.90 |
|
Net Current Assets
|
0.00 | -- | 1,064.34 | -- | 8,275.90 |
Cashflow ($ Mln)
| Guild Holdings Co (GHLD) | Ally Financial (ALLY) | FirstCash Holdings (FCFS) | OneMain Holdings (OMF) | Credit Acceptance (CACC) | |
|---|---|---|---|---|---|
|
Cash From Operating Activities
|
-659.62 | 4,528.00 | 539.96 | 2,699.00 | 1,137.90 |
|
Cash Flow from Investing Activities
|
-152.39 | 4,991.00 | -441.59 | -3,266.00 | -1,721.10 |
|
Cash from Financing Activities
|
809.69 | -5,566.00 | -38.19 | 161.00 | 957.30 |
|
Net Cash Inflow / Outflow
|
-- | -- | -- | -- | -- |
Ratios
Profitability Ratios
| Guild Holdings Co (GHLD) | Ally Financial (ALLY) | FirstCash Holdings (FCFS) | OneMain Holdings (OMF) | Credit Acceptance (CACC) | |
|---|---|---|---|---|---|
|
ROCE (%)
|
2.57 | 1.97 | 6.45 | 2.14 | 3.32 |
|
ROE (%)
|
10.35 | 4.84 | 12.78 | 15.96 | 14.15 |
|
ROA (%)
|
2.50 | 0.34 | 5.90 | 2.03 | 2.73 |
|
EBIT Margin (%)
|
12.62 | -- | -- | -- | -- |
|
Net Margin (%)
|
9.71 | 4.08 | 7.64 | 8.90 | 11.62 |
|
Cash Profit Margin (%)
|
0.00 | -- | -- | -- | -- |
Growth Ratios
| Guild Holdings Co (GHLD) | Ally Financial (ALLY) | FirstCash Holdings (FCFS) | OneMain Holdings (OMF) | Credit Acceptance (CACC) | |
|---|---|---|---|---|---|
|
Revenue Growth (%)
|
62.41 | 0.03 | 0.08 | 0.08 | 0.12 |
|
EBIT Growth (%)
|
226.85 | -- | -- | -- | -- |
|
Net Profit Growth (%)
|
234.34 | -30.20 | 18.02 | -20.59 | -13.35 |
|
EPS Growth (%)
|
229.61 | -0.31 | 0.19 | -0.21 | -0.10 |
|
Book Value Growth (%)
|
4.78 | -- | -- | -- | -- |
Valuation Ratios
| Guild Holdings Co (GHLD) | Ally Financial (ALLY) | FirstCash Holdings (FCFS) | OneMain Holdings (OMF) | Credit Acceptance (CACC) | |
|---|---|---|---|---|---|
|
Price / Earnings
|
9.08 | 16.78 | 18.00 | 12.30 | 23.46 |
|
Price / Book Value
|
0.70 | 0.81 | 2.27 | 1.96 | 3.32 |
|
Dividend Yield (%)
|
-- | -- | -- | -- | -- |
|
EV/EBITDA
|
19.07 | 0.56 | 6.62 | 27.23 | 32.06 |
|
Market Cap ($ Cr)
|
-- | -- | -- | -- | -- |
Solvency Ratios
| Guild Holdings Co (GHLD) | Ally Financial (ALLY) | FirstCash Holdings (FCFS) | OneMain Holdings (OMF) | Credit Acceptance (CACC) | |
|---|---|---|---|---|---|
|
Debt to Equity
|
0.71 | 1.38 | 1.00 | 6.72 | 3.63 |
|
Short term debt to equity ratio
|
1.93 | 0.12 | 0.05 | 0.00 | 0.05 |
|
Current Ratio
|
0.08 | 0.20 | 4.14 | 0.08 | 20.11 |
|
Quick Ratio
|
0.08 | 0.25 | 3.15 | 0.04 | -2.33 |
|
Interest Coverage
|
2.47 | 0.11 | 4.26 | 0.56 | 1.39 |
Operating Efficiency Ratios
| Guild Holdings Co (GHLD) | Ally Financial (ALLY) | FirstCash Holdings (FCFS) | OneMain Holdings (OMF) | Credit Acceptance (CACC) | |
|---|---|---|---|---|---|
|
Debtors to sales (%)
|
5.90 | 7.58 | 21.80 | 351.21 | 0.20 |
|
Asset Turnover
|
0.26 | 0.08 | 0.77 | 0.23 | 0.24 |
|
Receivable days
|
17.04 | 26.39 | 75.26 | 1,219.46 | 0.73 |
|
Inventory Days
|
6.62 | -441.95 | 67.14 | 175.32 | 431.00 |
|
Payable days
|
207.89 | 52.34 | 5.98 | -- | 144.47 |
|
Cash Conversion Cycle
|
-184.22 | -467.90 | 136.41 | -- | 287.25 |
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
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