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

Revenue: As of FY2025 Q3, the actual value is USD 307.44 M.

EPS: As of FY2025 Q3, the actual value is USD 0.53, beating the estimate of USD 0.4782.

EBIT: As of FY2025 Q3, the actual value is USD 31.84 M.

Origination Segment

• Revenue: 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.
• Net Income: The origination segment reported net income of $34.98 million for the three months ended September 30, 2025.

Servicing Segment

• Revenue: 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.
• Net Income: The servicing segment reported net income of $44.48 million for the three months ended September 30, 2025.

Cash Flow

• Operating Cash Flow: 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.

Unique Metrics

• MSR Valuation: 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.

Future Outlook and Strategy

• Core Business Focus: 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.
• Non-Core Business: 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.
• Priority: The merger is a significant strategic move, with the transaction not subject to financing conditions, indicating a focus on long-term strategic positioning.