For the quarter ending 2025-09-30, GHLD had $2,256K increase in cash & cash equivalents over the period. $77,034K in free cash flow.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income (loss) | 33,343 | -5,296 |
| Depreciation and amortization | 3,528 | 7,258 |
| Valuation adjustment of mortgage servicing rights | 29,009 | 111,249 |
| Valuation adjustment of mortgage loans held for sale | -8,081 | 24,663 |
| Valuation adjustment of reverse mortgage loans held for investment and hmbs-related borrowings | 4,018 | 5,506 |
| Unrealized loss (gain) on derivatives | 3,937 | -5,381 |
| Amortization of right-of-use assets | 5,079 | 10,644 |
| Provision for investor reserves | 7,279 | 15,967 |
| Provision for foreclosure losses | 1,148 | 3,493 |
| Valuation adjustment of contingent liabilities due to acquisitions, net | 2,109 | 3,263 |
| Gain on sale of mortgage loans excluding fair value of other financial instruments, net | 191,302 | 327,307 |
| Deferred income taxes | 12,222 | -9,949 |
| Stock-based compensation | 1,864 | 3,432 |
| Origination of mortgage servicing rights | 60,527 | 89,171 |
| Origination and purchase of mortgage loans held for sale | 6,739,612 | 11,563,727 |
| Proceeds on sale of and payments from mortgage loans held for sale | 6,993,791 | 11,617,957 |
| Other | -2,015 | -3,588 |
| Advances and other assets | 30,107 | -18,596 |
| Accounts payable and accrued expenses | 12,387 | 9,531 |
| Operating lease liabilities | -5,421 | -11,069 |
| Other liabilities | 1,921 | -20,711 |
| Net cash used in operating activities | 78,852 | -247,040 |
| Acquisition of businesses, net of cash acquired | 0 | 0 |
| Origination and purchase of reverse mortgage loans held for investment | 36,735 | 65,520 |
| Principal payments received on reverse mortgage loans held for investment | 10,302 | 18,829 |
| Purchases of property and equipment, net | 1,818 | 5,240 |
| Other | 5,569 | 4,676 |
| Net cash used in investing activities | -33,820 | -56,607 |
| Borrowings on warehouse lines of credit | 7,105,643 | 12,165,015 |
| Repayments on warehouse lines of credit | 7,181,324 | 11,911,778 |
| Proceeds from issuance of reverse mortgage loans and tails accounted for as hmbs-related obligations | 40,119 | 73,935 |
| Repayments on hmbs-related obligations | 10,287 | 18,756 |
| Borrowings on notes payable | 20,500 | 50,000 |
| Repayments on notes payable | 0 | 30,000 |
| Contingent liability payments | 75 | 406 |
| Dividends paid | 15,563 | 30,952 |
| Repurchases of class a common stock | 0 | 1,268 |
| Taxes paid related to net share settlement of equity awards | 161 | 1,828 |
| Other | -1,628 | -941 |
| Net cash provided by financing activities | -42,776 | 293,021 |
| Decrease in cash, cash equivalents and restricted cash | 2,256 | -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)