| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income (loss) | 28,047 | -5,296 |
| Depreciation and amortization | 10,786 | 7,258 |
| Valuation adjustment of mortgage servicing rights | 140,258 | 111,249 |
| Valuation adjustment of mortgage loans held for sale | 16,582 | 24,663 |
| Valuation adjustment of reverse mortgage loans held for investment and hmbs-related borrowings | 9,524 | 5,506 |
| Unrealized loss (gain) on derivatives | -1,444 | -5,381 |
| Amortization of right-of-use assets | 15,723 | 10,644 |
| Provision for investor reserves | 23,246 | 15,967 |
| Provision for foreclosure losses | 4,641 | 3,493 |
| Valuation adjustment of contingent liabilities due to acquisitions, net | 5,372 | 3,263 |
| Gain on sale of mortgage loans excluding fair value of other financial instruments, net | 518,609 | 327,307 |
| Deferred income taxes | 2,273 | -9,949 |
| Stock-based compensation | 5,296 | 3,432 |
| Origination of mortgage servicing rights | 149,698 | 89,171 |
| Origination and purchase of mortgage loans held for sale | 18,303,339 | 11,563,727 |
| Proceeds on sale of and payments from mortgage loans held for sale | 18,611,748 | 11,617,957 |
| Other | -5,603 | -3,588 |
| Advances and other assets | 11,511 | -18,596 |
| Accounts payable and accrued expenses | 21,918 | 9,531 |
| Operating lease liabilities | -16,490 | -11,069 |
| Other liabilities | -18,790 | -20,711 |
| Net cash used in operating activities | -168,188 | -247,040 |
| Acquisition of businesses, net of cash acquired | 0 | 0 |
| Origination and purchase of reverse mortgage loans held for investment | 102,255 | 65,520 |
| Principal payments received on reverse mortgage loans held for investment | 29,131 | 18,829 |
| Purchases of property and equipment, net | 7,058 | 5,240 |
| Other | 10,245 | 4,676 |
| Net cash used in investing activities | -90,427 | -56,607 |
| Borrowings on warehouse lines of credit | 19,270,658 | 12,165,015 |
| Repayments on warehouse lines of credit | 19,093,102 | 11,911,778 |
| Proceeds from issuance of reverse mortgage loans and tails accounted for as hmbs-related obligations | 114,054 | 73,935 |
| Repayments on hmbs-related obligations | 29,043 | 18,756 |
| Borrowings on notes payable | 70,500 | 50,000 |
| Repayments on notes payable | 30,000 | 30,000 |
| Contingent liability payments | 481 | 406 |
| Dividends paid | 46,515 | 30,952 |
| Repurchases of class a common stock | 1,268 | 1,268 |
| Taxes paid related to net share settlement of equity awards | 1,989 | 1,828 |
| Other | -2,569 | -941 |
| Net cash provided by financing activities | 250,245 | 293,021 |
| Decrease in cash, cash equivalents and restricted cash | -8,370 | -10,626 |
| Cash and cash equivalents at beginning of period | 125,056 | - |
| Cash and cash equivalents at end of period | 116,686 | - |
Guild Holdings Co (GHLD)
Guild Holdings Co (GHLD)