Private company
Guild Holdings Co
Guild is a growth-oriented mortgage company that employs a relationship-based loan sourcing strategy to execute on our mission of delivering the promise of homeownership in neighborhoods and.4 From its latest annual report
Last updated Oct 19, 2026.
Overview
- IndustryMortgage Bankers & Loan Correspondents1
- HeadquartersSan Diego, California1
- Incorporated inDE3
- Business address5887 Copley Drive, San Diego, Ca 921113
- Filer categoryAccelerated filer, Smaller reporting company3
See how the biggest companies compare on our leaderboards
Guild is a growth-oriented mortgage company that employs a relationship-based loan sourcing strategy to execute on our mission of delivering the promise of homeownership in neighborhoods and communities across the United States. Our business model is centered on providing a personalized mortgage-borrowing experience that is delivered by our knowledgeable loan officers and supported by our diverse product offerings.4 From its latest annual report
Financials
From the company’s reports to the SEC. Every number links to the filing it came from.
Key numbers, fiscal 2024
Where the money goes
Where each dollar of revenue went, fiscal 2024
- Other costs89¢$930.5M
- Income tax2¢$22.1M
- Profit9¢$97.1M
Out of $1.0B in revenue.2
Financial statements
| Fiscal year | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|
| Revenue | $712.9M5 | $1.6B6 | $1.6B7 | $1.2B8 | $655.2M2 | $1.0B2 | |
| Operating expenses | $1.2B7 | $744.8M8 | $701.3M2 | $930.7M2 | |||
| Interest | $55.4M5 | $60.2M6 | $61.6M7 | $49.2M8 | $66.4M8 | ||
| Income before tax | $386.9M7 | $420.0M8 | -$46.1M2 | $119.1M2 | |||
| Income tax | $253.0K5 | $123.5M6 | $103.1M7 | $91.4M8 | -$7.0M2 | $22.1M2 | |
| Net income | $5.6M5 | $370.6M6 | $283.8M7 | $328.6M8 | -$39.0M2 | $97.1M2 | |
| Earnings per share | $6.186 | $4.697 | $5.398 | -$0.642 | $1.582 | ||
| Earnings per share (diluted) | $6.176 | $4.677 | $5.358 | -$0.642 | $1.562 | ||
| Shares (weighted, basic) | 60.5M shares7 | 61.0M shares8 | 61.0M shares2 | 61.4M shares2 | |||
| Shares (weighted, diluted) | 60.8M shares7 | 61.4M shares8 | 61.0M shares2 | 62.1M shares2 |
| Fiscal year | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|
| Cash | $62.8M5 | $101.7M5 | $334.6M6 | $243.1M7 | $137.9M8 | $120.3M2 | $118.2M2 |
| Property, plant and equipment | $15.8M7 | $12.1M8 | $13.9M2 | $19.0M2 | |||
| Goodwill | $175.1M8 | $176.8M2 | $186.2M2 | $198.7M2 | |||
| Intangible assets | $41.0M7 | $33.1M8 | $25.1M2 | $27.3M2 | |||
| Total assets | $2.6B5 | $4.8B6 | $4.4B7 | $3.2B8 | $3.7B2 | $4.8B2 | |
| Short-term debt | $833.8M2 | $1.4B2 | |||||
| Total liabilities | $2.2B5 | $4.1B6 | $3.5B7 | $2.0B8 | $2.5B2 | $3.5B2 | |
| Retained earnings | $877.2M7 | $1.2B8 | $1.1B2 | $1.2B2 | |||
| Shareholders’ equity | $440.9M5 | $406.0M5 | $736.0M5 | $920.0M8 | $1.2B2 | $1.2B2 | $1.3B2 |
| Shares outstanding | 928 shares5 |
Cash flow is reported year to date, not quarter by quarter, so there are no separate quarterly figures.
| Fiscal year | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|
| Cash from operations | -$424.7M5 | -$468.0M6 | $680.5M7 | $1.3B8 | -$91.7M2 | -$659.6M2 | |
| Depreciation and amortization | $11.5M7 | $15.5M8 | $14.6M2 | $15.1M2 | |||
| Stock-based compensation | $6.0M7 | $7.3M8 | $8.7M2 | $9.7M2 | |||
| Capital spending | $3.7M5 | $8.2M6 | $4.6M7 | $3.7M8 | $5.5M2 | $9.4M2 | |
| Free cash flow | -$428.4M | -$476.3M | $675.9M | $1.3B | -$97.2M | -$669.0M | |
| Cash from investing | -$104.7M7 | -$7.2M8 | -$136.6M2 | -$152.4M2 | |||
| Dividends paid | $32.5M5 | $37.2M6 | $121.1M7 | $08 | $30.5M2 | $30.7M2 | |
| Share buybacks | $8.0M5 | $07 | $5.6M8 | $3.3M2 | $1.2M2 | ||
| Cash from financing | -$667.3M7 | -$1.4B8 | $208.9M2 | $809.7M2 | |||
| Dividend per share | $35,010.005 | $40,050.006 | $2.007 | $0.502 | $0.502 |
Leadership
Who has led Guild Holdings Co, and when. Pick a name to see everywhere that person has worked.
Chief executive
Chief financial officer
Chief operating officer
- Chief executive officerTerry Lynn Schmidt Jul 5, 2023 to now12
- Chief executive officerMary Ann McGarry Oct 21, 2020 to Apr 18, 202313
- PresidentDavid Manuel Neylan Apr 17, 2024 to now14
- PresidentTerry Lynn Schmidt Oct 21, 2020 to Apr 18, 202315
- Chief financial officerDesiree Amber Elwell Apr 17, 2024 to now16
- Chief operating officerDavid Manuel Neylan Apr 17, 2024 to now14
Board members and other officers (11)
- OfficerBarrett Horn Oct 21, 2020 to Oct 24, 202217
- OfficerDavid Manuel Neylan Oct 21, 2020 to Oct 24, 202318
- OfficerDesiree Amber Elwell Oct 21, 2020 to Oct 24, 202319
- OfficerLisa Irene Klika Oct 21, 2020 to Oct 24, 202220
- Board memberGioia Messinger Jul 5, 2022 to now21
- Board memberEdward Bryant Jr. Oct 21, 2020 to now22
- Board memberMartha E. Marcon Oct 21, 2020 to now23
- Board memberMary Ann McGarry Oct 21, 2020 to now13
- Board memberMichael Charles Meyer Oct 21, 2020 to now24
- Board memberPatrick Joseph Duffy Oct 21, 2020 to now25
- Board memberTerry Lynn Schmidt Oct 21, 2020 to now15
Timeline
Filings
225 filings to the SEC since October 2021: 4 annual reports, 13 quarterly reports, 31 major events, 126 insider forms, 16 large holders, 35 other. The latest 20:
- Feb 12, 2026SCHEDULE 13G/A EDGAR
- Dec 8, 202515-12G EDGAR
- Dec 1, 2025EFFECT EDGAR
- Dec 1, 2025EFFECT EDGAR
- Nov 28, 20254 OWNERSHIP DOCUMENT EDGAR
- Nov 28, 20254 OWNERSHIP DOCUMENT EDGAR
- Nov 28, 20254 OWNERSHIP DOCUMENT EDGAR
- Nov 28, 20254 OWNERSHIP DOCUMENT EDGAR
- Nov 28, 20254 OWNERSHIP DOCUMENT EDGAR
- Nov 28, 20254 OWNERSHIP DOCUMENT EDGAR
- Nov 28, 20254 OWNERSHIP DOCUMENT EDGAR
- Nov 28, 20254 OWNERSHIP DOCUMENT EDGAR
- Nov 28, 20254 OWNERSHIP DOCUMENT EDGAR
- Nov 28, 2025S-8 POS EDGAR
- Nov 28, 2025POS AM EDGAR
- Nov 28, 2025POS AM EDGAR
- Nov 28, 20258-K EDGAR
- Nov 28, 2025SCHEDULE 13D/A EDGAR
- Nov 6, 202510-Q EDGAR
- Nov 5, 20258-K EDGAR
The 225 filings since October 2021 can be filtered by form type and year here when JavaScript is on.
Every filing from the last five years, summarized. The full record is on SEC EDGAR.
Insider trades
19 open-market trades by officers, directors and large owners since October 2021: 10 buys and 9 sales. Grants, option exercises and gifts are left out.
| Date | Who | Trade | Shares | Price | Value | Filing |
|---|---|---|---|---|---|---|
| Jun 13, 2025 | McGarry Strategic Enterprises, LLC10% owner | Sale | 100 | $16.24 | $1.6K | Form 4 |
| Mar 31, 2025 | McGarry Strategic Enterprises, LLC10% owner | Sale | 102 | $16.25 | $1.7K | Form 4 |
| Mar 28, 2025 | McGarry Strategic Enterprises, LLC10% owner | Sale | 923 | $16.06 | $14.8K | Form 4 |
| Dec 9, 2024 | Bryant Edward JRDirector | Sale | 4,000 | $13.49 | $54.0K | Form 4 |
| Jun 6, 2024 | KRAMER DESIREE AMBERSr VP & CFO | Buy | 1,636 | $16.12 | $26.4K | Form 4 |
| Jun 6, 2024 | Neylan David ManuelPresident and COO | Buy | 1,984 | $16.12 | $32.0K | Form 4 |
| Jun 6, 2024 | Schmidt Terry LynnCEO | Buy | 3,630 | $16.12 | $58.5K | Form 4 |
| Jun 6, 2024 | McGarry Mary AnnDirector | Buy | 4,998 | $16.12 | $80.6K | Form 4 |
| Jun 6, 2024 | Marcon Martha E.Director | Buy | 1,747 | $16.12 | $28.2K | Form 4 |
| Jun 6, 2024 | Duffy Patrick JosephDirector | Buy | 1,985 | $16.12 | $32.0K | Form 4 |
| Jun 6, 2024 | Meyer Michael CharlesDirector | Buy | 1,436 | $16.12 | $23.2K | Form 4 |
| Jun 6, 2024 | Bryant Edward JRDirector | Buy | 776 | $16.12 | $12.5K | Form 4 |
| Jun 6, 2024 | Messinger GioiaDirector | Buy | 589 | $16.12 | $9.5K | Form 4 |
| May 21, 2024 | Bryant Edward JRDirector | Sale | 6,000 | $14.01 | $84.1K | Form 4 |
| May 15, 2024 | Meyer Michael CharlesDirector | Buy | 1,122 | $15.07 | $16.9K | Form 4 |
| Dec 8, 2023 | Marcon Martha E.Director | Sale | 930 | $12.75 | $11.9K | Form 4 |
| Dec 7, 2023 | Bryant Edward JRDirector | Sale | 2,500 | $12.37 | $30.9K | Form 4 |
| Jun 2, 2023 | Bryant Edward JRDirector | Sale | 8,572 | $10.36 | $88.8K | Form 4 |
| Sep 12, 2022 | Bryant Edward JRDirector | Sale | 4,000 | $11.80 | $47.2K | Form 4 |
From Forms 4 filed with the SEC.
Major holders
Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.
- MCCARTHY CAPITAL MORTGAGE INVESTORS, LLCSCHEDULE 13G/A, 1 filing Feb 12, 202626
- Bayview Asset Management, LLCSCHEDULE 13D/A, 5 filings Jan 22, 2024 to Nov 28, 202527
- Adage Capital Management, L.P.SC 13G/A, 1 filing Nov 12, 202428
- Scott LindaSC 13G/A, 2 filings Feb 8, 2023 to Feb 14, 202429
- Mary Ann McGarrySC 13G/A, 2 filings Feb 8, 2023 to Feb 13, 202430
- ADAGE CAPITAL PARTNERS GP, L.L.C.SC 13G/A, 3 filings Feb 10, 2022 to Feb 7, 202431
- Terry Lynn SchmidtSC 13G/A, 1 filing Feb 8, 202332
- Cherry TheresaSC 13G/A, 1 filing Jan 24, 202233
Sources
The numbers on this page point here. Each one links to the record it came from.
- 1
- 2
- 3
- 4
- 5
- 6
- 7
- 8
- 9
- 10
- 11
- 12
- 13
- 14SEC EDGARDavid Manuel Neylan, President
- 15SEC EDGARTerry Lynn Schmidt, President
- 16
- 17SEC EDGARBarrett Horn, Officer
- 18SEC EDGARDavid Manuel Neylan, Officer
- 19SEC EDGARDesiree Amber Elwell, Officer
- 20SEC EDGARLisa Irene Klika, Officer
- 21SEC EDGARGioia Messinger, Board member
- 22SEC EDGAREdward Bryant Jr., Board member
- 23SEC EDGARMartha E. Marcon, Board member
- 24SEC EDGARMichael Charles Meyer, Board member
- 25SEC EDGARPatrick Joseph Duffy, Board member
- 26
- 27
- 28
- 29
- 30
- 31
- 32
- 33