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Guild Holdings Management
Management criteria checks 3/4
Guild Holdings' CEO is Terry Schmidt, appointed in Jul 2023, has a tenure of 2.33 years. total yearly compensation is $4.06M, comprised of 17.3% salary and 82.7% bonuses, including company stock and options. directly owns 4.38% of the company’s shares, worth $54.53M. The average tenure of the management team and the board of directors is 1.9 years and 5.3 years respectively.
Key information
Terry Schmidt
Chief executive officer
US$4.1m
Total compensation
| CEO salary percentage | 17.26% |
| CEO tenure | 2.3yrs |
| CEO ownership | 4.4% |
| Management average tenure | 1.9yrs |
| Board average tenure | 5.3yrs |
Recent management updates
Recent updates
Customer-for-Life Approach And AI Investments Will Expand Market Share In Financial Sector
Guild Holdings' consensus price target has increased to $19.50, primarily reflecting valuation support from Bayview Asset Management's $20 per share acquisition offer and improved sector sentiment, with shares now anchored to the deal price. Analyst Commentary Reduced probability of adverse ("left-tailed") scenarios in consumer finance is leading to a more constructive sector outlook.Guild Holdings Acquisition Is Too Low
Summary Guild Holdings excels in mortgage origination and servicing, leveraging personalized relationships and a proprietary platform for client retention and compliance. The dual-segment business model provides stability across interest rate cycles, with servicing offsetting origination cyclicality during rising rates. Growth is driven by market expansion, increased loan officer productivity, and strategic acquisitions, culminating in a $1.2B buyout by Bayview Asset Management. We think we could soon see lower rates where the company does better, so not too enthusiastic about the $20 per share buyout offer. Read the full article on Seeking AlphaGuild Holdings Company (NYSE:GHLD) Soars 28% But It's A Story Of Risk Vs Reward
Guild Holdings Company ( NYSE:GHLD ) shareholders would be excited to see that the share price has had a great month...
Acquisitions And AI Innovations Fuel Market Dominance And Margin Growth
Strategic acquisitions and organic growth strategies are enhancing Guild Holdings' market share and revenue prospects during industry downturns.Forecast: Analysts Think Guild Holdings Company's (NYSE:GHLD) Business Prospects Have Improved Drastically
Celebrations may be in order for Guild Holdings Company ( NYSE:GHLD ) shareholders, with the analysts delivering a...Guild Holdings Company (NYSE:GHLD) Could Be Riskier Than It Looks
Guild Holdings Company's ( NYSE:GHLD ) price-to-sales (or "P/S") ratio of 0.8x may look like a pretty appealing...Brokers Are Upgrading Their Views On Guild Holdings Company (NYSE:GHLD) With These New Forecasts
Guild Holdings Company ( NYSE:GHLD ) shareholders will have a reason to smile today, with the analysts making...Guild Mortgage acquires New Mexico-based lender in Southwest push
Guild Mortgage Company, a wholly owned subsidiary of Guild Holdings Company (NYSE:GHLD), said Tuesday it acquired Legacy Mortgage, a fellow mortgage lender located in Albuquerque, New Mexico. Legacy Mortgage, founded in 2002, will become part of Guild's Southwest region. The acquiree has 13 branches across four states -- Arizona, Colorado, New Mexico and Texas, and offers various purchase and refinance loan options. “This acquisition is part of the company’s continued plan to grow both in existing markets and by entering new ones with selective acquisitions of like-minded lenders,” said Guild CEO Mary Ann McGarry. Terms of the deal were not disclosed. Towards the end of 2022, Guild Mortgage launched a loan program to boost home affordability.Guild Holdings' mortgage subsidiary launches loan program to boost home affordability
Guild Holdings Company (NYSE:GHLD) stock advanced 4.6% in Tuesday early afternoon trading as its subsidiary, Guild Mortgage, introduced a new loan program that seeks to help homebuyers save on their payments against a backdrop of exceptionally high mortgage rates. Dubbed Payment Advantage, the program allows homebuyers to lock in a conventional mortgage and Guild will pay 1% of the borrower's interest rate for one year with a lender paid temporary buydown, it said. After the first year, borrowers may be eligible to refinance with San Diego, California-headquartered Guild via its Payment Protection program through December 2025 without lender fees. The financing options consist of primary purchase transactions with as little as 3% down and credit scores as low as 620. Payment Advantage is available for locks until March 31, 2023. Prospective homebuyers have stayed on the sidelines for much of 2022 with mortgage rates recently hitting two-decade highs, though early-stage homebuying demand has started to improve as rates retreat from the cyclical peak. Previously, (Dec. 2, 2022) Guild Mortgage acquired Inlanta Mortgage.Bearish: Analysts Just Cut Their Guild Holdings Company (NYSE:GHLD) Revenue and EPS estimates
The analysts covering Guild Holdings Company ( NYSE:GHLD ) delivered a dose of negativity to shareholders today, by...Guild Holdings Company Just Missed Earnings - But Analysts Have Updated Their Models
Last week, you might have seen that Guild Holdings Company ( NYSE:GHLD ) released its annual result to the market. The...CEO Compensation Analysis
| Date | Total Compensation | Salary | Company Earnings |
|---|---|---|---|
| Sep 30 2025 | n/a | n/a | US$126m |
| Jun 30 2025 | n/a | n/a | US$26m |
| Mar 31 2025 | n/a | n/a | US$45m |
| Dec 31 2024 | US$4m | US$700k | US$97m |
| Sep 30 2024 | n/a | n/a | -US$94m |
| Jun 30 2024 | n/a | n/a | US$27m |
| Mar 31 2024 | n/a | n/a | US$27m |
| Dec 31 2023 | US$3m | US$638k | -US$39m |
| Sep 30 2023 | n/a | n/a | US$39m |
| Jun 30 2023 | n/a | n/a | US$62m |
| Mar 31 2023 | n/a | n/a | US$83m |
| Dec 31 2022 | US$2m | US$550k | US$329m |
| Sep 30 2022 | n/a | n/a | US$386m |
| Jun 30 2022 | n/a | n/a | US$380m |
| Mar 31 2022 | n/a | n/a | US$331m |
| Dec 31 2021 | US$2m | US$500k | US$284m |
| Sep 30 2021 | n/a | n/a | US$320m |
| Jun 30 2021 | n/a | n/a | US$430m |
| Mar 31 2021 | n/a | n/a | US$544m |
| Dec 31 2020 | US$8m | US$500k | US$371m |
| Sep 30 2020 | n/a | n/a | US$336m |
| Jun 30 2020 | n/a | n/a | US$163m |
| Mar 31 2020 | n/a | n/a | US$16m |
| Dec 31 2019 | US$2m | US$425k | US$6m |
Compensation vs Market: Terry's total compensation ($USD4.06M) is about average for companies of similar size in the US market ($USD5.44M).
Compensation vs Earnings: Terry's compensation has been consistent with company performance over the past year.
CEO
Terry Schmidt (63 yo)
Ms. Terry Lynn Schmidt, C.P.A., served as President at Guild Holdings Company since August 2020 until July 01, 2023 and is its Director since August 2020 and is Chief Executive Officer since July 01, 2023....
Leadership Team
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| CEO & Director | 2.3yrs | US$4.06m | 4.38% $ 54.5m | |
| President & COO | 5.3yrs | US$2.50m | 0.56% $ 7.0m | |
| Senior VP & CFO | 5.1yrs | US$1.40m | 0.34% $ 4.2m | |
| Executive VP & Chief Information Officer | 1.8yrs | no data | no data | |
| Secretary | 2.2yrs | no data | no data | |
| Senior VP & General Counsel | 1.4yrs | no data | no data | |
| Senior VP & Chief Marketing Officer | 1.9yrs | no data | no data | |
| Senior VP & Chief HR Officer | no data | no data | no data | |
| Executive Vice President of Growth Champion | 1.6yrs | US$951.07k | no data | |
| Executive Vice President of Capital Markets | 1.8yrs | no data | no data | |
| Executive Vice President of Loan Servicing | no data | no data | no data | |
| Senior Vice President of Corporate Strategic Initiatives | 1.7yrs | no data | no data |
Experienced Management: GHLD's management team is not considered experienced ( 1.9 years average tenure), which suggests a new team.
Board Members
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| CEO & Director | 5.3yrs | US$4.06m | 4.38% $ 54.5m | |
| Independent Director | 5.3yrs | US$193.90k | 0.090% $ 1.1m | |
| Independent Director | 5.1yrs | US$193.90k | 0.10% $ 1.3m | |
| Chairman of the Board | 5.3yrs | US$248.18k | 0.11% $ 1.3m | |
| Independent Director | 3.3yrs | US$181.40k | 0.045% $ 557.8k | |
| Director | 5.3yrs | US$263.43k | 0.27% $ 3.3m | |
| Independent Director | 5.1yrs | US$191.40k | 0.036% $ 450.1k |
Experienced Board: GHLD's board of directors are considered experienced (5.3 years average tenure).
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/11/28 01:14 |
| End of Day Share Price | 2025/11/26 00:00 |
| Earnings | 2025/09/30 |
| Annual Earnings | 2024/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
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Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Guild Holdings Company is covered by 4 analysts. 5 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Derek Hewett | BofA Global Research |
| Eric Dray | BofA Global Research |
| Eric Hagen | BTIG |