Here are 1-3 brief analogies for Guild (GHLD):

• Workday for employee education benefits.
• Coursera for corporate education programs.

The symbol GHLD does not correspond to a publicly traded company. However, if you are referring to Guild Education Inc., a prominent private company, its major services are:

• Education Benefits Platform: A technology platform enabling large employers to manage and offer tuition assistance, professional development, and degree programs to their workforce.
• Learning Provider Network: Curated partnerships with accredited universities and learning institutions that provide a wide range of academic and vocational programs to employees.
• Employee Coaching and Support: Personalized academic and career coaching services offered to employees to guide them through their educational paths and career growth.

Guild Education (No public symbol GHLD)

Please note: There is no public company with the stock symbol GHLD. The company commonly referred to as "Guild" or "Guild Education" is a private company.

Guild Education operates on a Business-to-Business (B2B) model, partnering with large corporations to offer education and upskilling benefits to their employees. Therefore, its major customers are these employer companies, not individuals.

Major corporate customers of Guild Education include:

• Walmart Inc. (NYSE: WMT)
• Chipotle Mexican Grill, Inc. (NYSE: CMG)
• Waste Management, Inc. (NYSE: WM)
• Discover Financial Services (NYSE: DFS)
• Target Corporation (NYSE: TGT)
• The Walt Disney Company (NYSE: DIS)
• The Coca-Cola Company (NYSE: KO)
• Yum! Brands, Inc. (NYSE: YUM)

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Terry Schmidt, Chief Executive Officer

Terry L. Schmidt has served as Chief Executive Officer of Guild Holdings Company since July 1, 2023, and as a director since August 2020. Ms. Schmidt began her career with Guild Mortgage Company in 1985 in the internal audit department. She progressed through various leadership roles, including Controller from 1991 to 1997, Chief Financial Officer from 1997 to 2020, and President from January 2020 to June 2023. Ms. Schmidt was involved in the 2007 management buyout of Guild Mortgage Company, which was backed by the private equity firm McCarthy Capital.

Amber Kramer, Senior Vice President, Chief Financial Officer

Amber Kramer is the Senior Vice President, Chief Financial Officer of Guild Mortgage Company LLC, a position she has held since January 2020. Ms. Kramer’s career at Guild Mortgage Company LLC began as a Staff Accountant from 2004 to 2005. She subsequently served in various finance positions, including Financial Analyst from 2005 to 2007, Vice President, Finance from 2010 to 2015, and Senior Vice President, Finance from 2015 to 2020. Her responsibilities as CFO include accounting, finance, treasury, payroll, and facilities functions.

David Neylan, President and Chief Operating Officer

David M. Neylan is the President and Chief Operating Officer of Guild Holdings Company. In this role, he provides strategic, organizational, and administrative leadership for day-to-day company operations and oversees the production, operations, and loan administration divisions. Mr. Neylan joined Guild Mortgage Company LLC in 2007. Prior to his current position, he served as Executive Vice President, Chief Operating Officer since January 2020, and Senior Vice President, Business Development from August 2014 to December 2019. Before joining Guild, he managed local branch, regional, and national origination divisions at CMG Mortgage Inc., where he started his mortgage banking career in 1997.

Mary Ann McGarry, Director (Former Chief Executive Officer)

Mary Ann McGarry served as Chief Executive Officer of Guild Mortgage Company from December 2007 through June 30, 2023, and remains a director on the board. She joined Guild in 1984 as an internal audit supervisor. Throughout her nearly 40-year career at Guild, she held various leadership roles, including Chief Financial Officer, Chief Production Operations Officer, Chief Operating Officer, and President. In 2007, Ms. McGarry led a management buyout of Guild Mortgage Company from its founder, which involved investment from the private equity firm McCarthy Capital.

Adam O'Daniel, Senior Vice President, Chief Marketing Officer

Adam O'Daniel is the Senior Vice President and Chief Marketing Officer of Guild Holdings Company. He is responsible for the company's marketing strategy and communications, serving as a media contact for Guild Mortgage.

The increasing prevalence and employer acceptance of direct skill credentialing and micro-credentialing programs offered by major industry players (e.g., Google Career Certificates, Microsoft Certifications) and specialized online platforms. These programs often provide more targeted, job-specific skills faster and at a lower cost than traditional university degrees or certificates, which form the core of Guild's educational network. As employers prioritize skills-based hiring over degree-based qualifications, the demand for Guild's traditional academic partnerships could diminish in favor of these alternative, industry-aligned credentials.

The addressable markets for Guild Holdings Company's (GHLD) main products and services in the U.S. are as follows:

• Residential Mortgage Loan Origination (U.S.): The total mortgage origination volume in the United States is expected to reach approximately $2.3 trillion in 2025. Purchase originations are forecast to be around $1.46 trillion in 2025. The U.S. home loan market is projected to reach $2.29 trillion in 2025 and is forecasted to grow to $3.02 trillion by 2030.
• Residential Mortgage Loan Servicing (U.S.): Americans owe $12.94 trillion on 86.47 million mortgages, which represents the total addressable market for mortgage servicing in the U.S. The broader U.S. home mortgage market, encompassing lending and borrowing activities related to residential real estate financing, was valued at approximately $204.49 billion in 2024 and is projected to reach $571.64 billion by 2033. Another estimate for the U.S. home mortgage market size was around $180.91 billion in 2023 and is predicted to grow to about $501.67 billion by 2032.

Here are 3-5 expected drivers of future revenue growth for Guild Holdings Company (GHLD) over the next 2-3 years:

1. Growth in Loan Originations and Market Share Gains: Guild has demonstrated a strong focus on increasing its loan originations, particularly in the purchase mortgage segment, outperforming industry estimates. This growth is supported by an expanded loan officer headcount and a strategy to opportunistically increase market share during volatile market conditions. The company has also benefited from industry consolidation and its strong brand presence, which aids in organic growth.
2. Expansion of Servicing Portfolio: The continued growth of Guild's servicing portfolio is a significant driver of stable revenue. The company actively retains mortgage servicing rights (MSRs) for a substantial portion of the loans it originates and sells. This expanding portfolio provides a consistent revenue stream, supporting the overall business.
3. Customer-for-Life Strategy and Recapture Rates: Guild's emphasis on a "customer-for-life" strategy, supported by its servicing segment, aims to foster repeat business. The company has demonstrated strong refinance and purchase recapture rates, indicating success in retaining existing customers for future mortgage needs.
4. Strategic Investments in Product and Technology Platforms: Guild plans to continue investing in its leading product and technology platforms to position itself for long-term growth. This includes leveraging technology to streamline the mortgage process and offering innovative products such as digital mortgage applications and personalized loan options, which can attract new customers and enhance efficiency.
5. Strategic Acquisitions: The company's growth strategy has also involved acquisitions. Acquiring smaller mortgage companies or related businesses can provide Guild with access to new markets, technologies, and talent, thereby contributing to future revenue growth.

Share Repurchases

• On May 5, 2022, Guild Holdings Company's Board of Directors authorized a share repurchase program for up to $20.0 million of its outstanding Class A common stock.
• This program was extended to May 5, 2026, on March 5, 2025, but subsequently terminated on June 18, 2025, in connection with a merger agreement.
• During the three months ended December 31, 2024, the company repurchased 27,641 shares of Class A common stock at an average price of $13.95 per share.

Share Issuance

• In July 2021, Guild issued 996,644 shares of its Class A common stock as part of the acquisition of Residential Mortgage Services Holdings, Inc. (RMS).
• The number of Class A common shares outstanding increased from 20,771,607 as of March 7, 2024, to 21,920,361 as of September 30, 2025.

Inbound Investments

• In June 2025, Guild entered into a definitive merger agreement to be acquired by a fund managed by Bayview Asset Management, LLC.
• The all-cash transaction values the outstanding shares of common stock not already owned by Bayview at approximately $1.3 billion in aggregate equity value.
• Guild stockholders are set to receive $20.00 in cash for each share of common stock they hold.

Outbound Investments

• In July 2021, Guild acquired Residential Mortgage Services Holdings, Inc. (RMS), which expanded its presence in the Northeast region.
• In December 2022, the company completed the acquisition of certain assets of Inlanta Mortgage, Inc., further expanding its footprint in the Midwest.
• Guild acquired Legacy Mortgage LLC in February 2023, broadening its local presence in the Southwest region.