Guild Holdings Company Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Net Income	125.94	96.93	-39.14	328.63	283.78	370.58
Depreciation & Amortization	35.78	37.78	36.01	31.5	33.19	26.1
Provision for Credit Losses	33.18	16.78	9.86	7.18	9.57	14.79
Stock-Based Compensation	7.32	9.7	8.66	7.32	5.98	1.05
Net Change in Loans Held-for-Sale	691.06	-70.37	310.65	1,842	1,851	515.63
Other Adjustments	-807.31	-705.8	-400.23	-645	-1,001	-1,138
Changes in Accrued Interest and Accounts Receivable	-	-	-	12.29	-21.82	-13.31
Changes in Accounts Payable	24.43	29.11	-3.13	-22.74	0.44	7.85
Changes in Accrued Expenses	-	-	-	-31.01	-97.12	81.49
Changes in Other Operating Activities	-76.49	-73.75	-14.41	-270.69	-384.24	-334.63
Operating Cash Flow	33.91	-659.62	-91.72	1,260	680.46	-468.04
Operating Cash Flow Growth	-	-	-	85.11%	-	-
Net Change in Loans Held-for-Investment	-105.49	-102.07	-106.5	-	-	-
Payments for Business Acquisitions	-	-17.71	-8.03	-3.5	-100.23	-
Capital Expenditures	-9.06	-9.37	-5.51	-3.68	-4.61	-8.23
Sale of Property, Plant & Equipment	-	-	-	-	0.18	0.04
Other Investing Activities	-12.67	-23.24	-16.56	-	-	-9.83
Investing Cash Flow	-127.22	-152.39	-136.6	-7.18	-104.66	-18.03
Short-Term Debt Issued	25,969	23,899	14,645	18,913	38,111	34,496
Short-Term Debt Repaid	-25,896	-23,167	-14,501	-20,250	-38,655	-33,727
Net Short-Term Debt Issued (Repaid)	73.55	732.35	144.05	-1,337	-543.97	768.93
Long-Term Debt Issued	153.08	142.92	106.69	-	-	-
Long-Term Debt Repaid	-40.49	-41.8	-5.14	-	-	-
Net Long-Term Debt Issued (Repaid)	112.59	101.12	101.55	-	-	-
Repurchase of Common Stock	-	-5.77	-5.23	-6.68	-	-
Net Common Stock Issued (Repurchased)	-	-5.77	-5.23	-6.68	-	-
Common Dividends Paid	-	-30.7	-30.48	-	-121.06	-37.17
Other Financing Activities	-4.14	12.69	-0.95	-9.61	-2.28	-12.8
Financing Cash Flow	98.23	809.69	208.95	-1,354	-667.31	718.96
Net Cash Flow	4.92	-2.33	-19.37	-101.37	-91.51	232.9
Beginning Cash & Cash Equivalents	111.77	127.38	146.75	248.12	339.63	106.74
Ending Cash & Cash Equivalents	116.69	125.06	127.38	146.75	248.12	339.63
Free Cash Flow	24.85	-668.99	-97.23	1,256	675.85	-476.27
Free Cash Flow Growth	-	-	-	85.83%	-	-
FCF Margin	2.21%	-64.77%	-15.07%	108.49%	43.14%	-29.63%
Free Cash Flow Per Share	0.39	-10.77	-1.59	20.46	11.11	-7.93
Levered Free Cash Flow	286.83	914.37	219.55	-1,293	-734.35	898.76
Unlevered Free Cash Flow	-25.34	-16.23	12.96	-284.34	-474.15	-240.75

Updated Sep 30, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q