Guild Holdings [GHLD] vs Better Home [BETR] Detailed Stock Comparison

Guild Holdings Company

NYSE
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Better Home & Finance Holding Inc.

NASDAQ
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TLDR: Quick Comparison Summary

Based on 21 vital metrics comparison: Guild Holdings Company wins in 15 metrics, Better Home & Finance Holding Inc. wins in 3 metrics, with 0 ties. Guild Holdings Company appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Guild Holdings Company Better Home & Finance Holding Inc. Better
P/E Ratio (TTM) 9.91 55.51 Guild Holdings Company
Price-to-Book Ratio 1.01 19.29 Guild Holdings Company
Debt-to-Equity Ratio 269.43 1,672.79 Guild Holdings Company
PEG Ratio -0.07 16.54 Better Home & Finance Holding Inc.
EV/EBITDA 14.81 -9.48 Guild Holdings Company
Profit Margin (TTM) 9.92% -100.61% Guild Holdings Company
Operating Margin (TTM) 23.58% -87.27% Guild Holdings Company
EBITDA Margin (TTM) 23.58% N/A N/A
Return on Equity 10.52% -446.10% Guild Holdings Company
Return on Assets (TTM) 3.67% -13.72% Guild Holdings Company
Free Cash Flow (TTM) $-668.99M $-177.80M Better Home & Finance Holding Inc.
Dividend Yield 3.18% N/A N/A
1-Year Return 48.22% 116.88% Better Home & Finance Holding Inc.
Price-to-Sales Ratio (TTM) 0.98 4.47 Guild Holdings Company
Enterprise Value $4.45B $1.28B Guild Holdings Company
EV/Revenue Ratio 3.51 7.79 Guild Holdings Company
Gross Profit Margin (TTM) N/A -10.62% N/A
Revenue per Share (TTM) $20 $11 Guild Holdings Company
Earnings per Share (Diluted) $2.02 $-10.80 Guild Holdings Company
Beta (Stock Volatility) 1.08 1.93 Guild Holdings Company
Short % of Float 1.79% 35.80% Guild Holdings Company

Guild Holdings Company vs Better Home & Finance Holding Inc. Stock Performance Analysis

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GHLD
BETR

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Guild Holdings Company0.70%0.60%0.76%0.20%41.21%43.13%
Better Home & Finance Holding Inc.-6.81%7.06%-31.83%-19.03%-35.18%-18.42%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Guild Holdings Company48.22%82.07%32.43%34.30%34.30%34.30%
Better Home & Finance Holding Inc.116.88%-94.35%-94.10%-94.36%-94.36%-94.36%

Performance & Financial Health Analysis: Guild Holdings Company vs Better Home & Finance Holding Inc.

MetricGHLDBETR
Market Information
Market Cap i$1.25B$676.26M
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i45,170656,694
90 Day Avg. Volume i33,413568,175
Last Close$20.01$26.41
52 Week Range$11.21 - $23.57$10.81 - $94.06
% from 52W High-15.10%-71.92%
All-Time High$23.57 (Aug 08, 2025)$99.00 (Aug 21, 2023)
% from All-Time High-15.10%-73.32%
Growth Metrics
Quarterly Revenue Growth0.75%0.77%
Quarterly Earnings Growth0.90%0.41%
Financial Health
Profit Margin (TTM) i0.10%-1.01%
Operating Margin (TTM) i0.24%-0.87%
Return on Equity (TTM) i0.11%-4.46%
Debt to Equity (MRQ) i269.431,672.79
Cash & Liquidity
Book Value per Share (MRQ)$19.87$2.32
Cash per Share (MRQ)$2.08$6.32
Operating Cash Flow (TTM) i$33.91M$-166,575,008
Levered Free Cash Flow (TTM) i$-127,797,248$-107,966,000
Dividends
Last 12-Month Dividend Yield i3.18%N/A
Last 12-Month Dividend i$0.50N/A

Valuation & Enterprise Metrics Analysis: Guild Holdings Company vs Better Home & Finance Holding Inc.

MetricGHLD (Dec 07, 2025)BETR (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i9.9155.51
Forward P/E i11.3716.54
PEG Ratio i-0.0716.54
Price to Sales (TTM) i0.984.47
Price to Book (MRQ) i1.0119.29
Market Capitalization
Market Capitalization i$1.25B$676.26M
Enterprise Value i$4.45B$1.28B
Enterprise Value Metrics
Enterprise to Revenue i3.517.79
Enterprise to EBITDA i14.81-9.48
Risk & Other Metrics
Beta i1.081.93
Book Value per Share (MRQ) i$19.87$2.32

Financial Statements Comparison: Guild Holdings Company vs Better Home & Finance Holding Inc.

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricGHLD (2024)BETR (2025)
Revenue/Sales i1.06B206.90M
Cost of Goods Sold iN/A217.07M
COGS % of Revenue i0.0%104.9%
Gross Profit iN/A-10.18M
Gross Margin i0.0%-4.9%
Research & Development iN/AN/A
Operating Income (EBIT) iN/A-149.48M
Operating Margin i0.0%-72.2%
EBITDA iN/A-135.41M
EBITDA Margin i0.0%-65.4%
Pre-Tax Income i119.06M-165.82M
Pre-Tax Income % of Revenue i11.2%-80.1%
Income Tax i22.13M53,000
Income Tax % of Revenue i2.1%0.0%
Net Income (Profit) i96.93M-165.87M
Profit Margin i9.1%-80.2%

Balance Sheet & Liquidity Metrics

MetricGHLD (2024)BETR (2025)
Cash & Equivalents i118.20M99.83M
Total Current Assets iN/A1.46B
Total Current Assets % of Revenue i0.0%706.5%
Total Current Liabilities iN/A1.25B
Total Current Liabilities % of Revenue i0.0%606.3%
Long-Term Debt i802.96M203.43M
Long-Term Debt % of Revenue i75.4%98.3%
Total Shareholders Equity i1.25B37.18M
Retained Earnings i1.20B-2.08B
Retained Earnings % of Revenue i112.8%-1,003.5%
Property, Plant & Equipment iN/A4.68M

Cash Flow Statement Comparison

MetricGHLD (2024)BETR (2025)
Operating Cash Flow i-84.78M-180.95M
Operating Cash Flow % of Revenue i-8.0%-87.5%
Capital Expenditures i-9.37M-1.19M
Free Cash Flow i-668.99M-177.80M
FCF Margin i-62.8%-85.9%
Debt Repayment i-23.21B-111.61M
Common Stock Repurchase i-1.18MN/A

Short Interest & Institutional Ownership Analysis

MetricGHLDBETR
Shares Short i248,1322.50M
Short Ratio i9.616.05
Short % of Float i1.79%35.80%
Shares Outstanding i62.25M16.00M
Float Shares i10.36M8.73M
% Held by Insiders i53.76%37.03%
% Held by Institutions i29.54%40.52%
% Held by Public i16.70%22.45%

Dividend Analysis & Yield Comparison: Guild Holdings Company vs Better Home & Finance Holding Inc.

MetricGHLDBETR
Last 12-Month Dividend i$0.50N/A
Last 12-Month Dividend Yield i3.18%N/A
3-Year Avg Annual Dividend i$0.33N/A
3-Year Avg Dividend Yield i3.49%N/A
3-Year Total Dividends i$1.00N/A
Ex-Dividend DateMar 17, 2025N/A