<span item_type="fundamental" item_id="a5a7e3f5395e63ddb860e925448a6340" counter_id="ST/US/GHLD" env="prod"></span><span item_type="announcement" item_id="579912030711582337" env="prod"></span><p>Revenue: As of FY2025 Q3, the actual value is USD 307.44 M.</p><p>EPS: As of FY2025 Q3, the actual value is USD 0.53, beating the estimate of USD 0.4782.</p><p>EBIT: As of FY2025 Q3, the actual value is USD 31.84 M.</p><p></p><h3>Origination Segment</h3><ul><li><strong>Revenue</strong>: Loan origination fees and gain on sale of loans, net were $243.85 million for the three months ended September 30, 2025, an increase from $236.00 million in the previous quarter.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1821160/000162828025050292/ghld-20250930.htm"></span></li><li><strong>Net Income</strong>: The origination segment reported net income of $34.98 million for the three months ended September 30, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1821160/000162828025050292/ghld-20250930.htm"></span></li></ul><h3>Servicing Segment</h3><ul><li><strong>Revenue</strong>: Loan servicing and other fees were $73.93 million for the three months ended September 30, 2025, up from $72.75 million in the previous quarter.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1821160/000162828025050292/ghld-20250930.htm"></span></li><li><strong>Net Income</strong>: The servicing segment reported net income of $44.48 million for the three months ended September 30, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1821160/000162828025050292/ghld-20250930.htm"></span></li></ul><h3>Cash Flow</h3><ul><li><strong>Operating Cash Flow</strong>: Net cash used in operating activities was -$168.19 million for the nine months ended September 30, 2025, compared to -$861.72 million for the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1821160/000162828025050292/ghld-20250930.htm"></span></li></ul><h3>Unique Metrics</h3><ul><li><strong>MSR Valuation</strong>: The fair value of mortgage servicing rights (MSRs) decreased by $29.01 million due to changes in model inputs and assumptions for the three months ended September 30, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1821160/000162828025050292/ghld-20250930.htm"></span></li></ul><h3>Future Outlook and Strategy</h3><ul><li><strong>Core Business Focus</strong>: The company plans to continue leveraging its origination and servicing segments to drive growth, with a focus on maintaining a strong servicing portfolio and optimizing origination margins.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1821160/000162828025050292/ghld-20250930.htm"></span></li><li><strong>Non-Core Business</strong>: The company is undergoing a merger with Gulf MSR HoldCo, LLC, expected to close by the end of the fourth quarter of 2025, which will result in the company becoming a private entity.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1821160/000162828025050292/ghld-20250930.htm"></span></li><li><strong>Priority</strong>: The merger is a significant strategic move, with the transaction not subject to financing conditions, indicating a focus on long-term strategic positioning.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1821160/000162828025050292/ghld-20250930.htm"></span></li></ul>

Guild | 10-Q: FY2025 Q3 Revenue: USD 307.44 M